| 07/13/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Complaint Summary : employees at Ameriahome provided false information on several occasions, withheld valuable information about my home loan as well as COVID relief home owner assistance information, and not following through when ask to send or complete documents and then falsely claiming it was done. These three complaints have cost me money, wasted time on the phone, as well as time away from work to discuss issues not being resolved about my loan, and prevented me from receiving funds from XXXX XXXX.
A detailed description is provided below. I do have copies of all things mentioned below as well as email records and loan document upload receipts if needed to discuss or provide additionally evidence if needed.
I would like to file an official complaint against AmeriXXXXhome Mortgage Company. Back in XXXX I was laid off due to my current employer shutting down because of Covid. This took place in XX/XX/XXXX and lasted until XX/XX/XXXX. I finally found a job in XX/XX/XXXX but was laid off again in because of COVID. Both times I filed for unemployment which took Louisiana over 6 months to process. During the processing time I borrowed money from family members, ran up my credit cards, and took out additional loans to survive. Since I was laid off I contacted AmeriXXXXhome and my first request for a mortgage deferment was applied to my home loan. During this time I received a letter in the mail from AmeriXXXXhome stating that my monthly mortgage would increase from $ XXXXto {$1200.00}. After I found a steady job and resumed payments I contacted AmeriXXXXhome again to discuss my reduced income and higher mortgage note this took place on XX/XX/XXXX @ XXXX. I spoke with XXXX who said we needed to refinance for a lower monthly note. He took our information down and called us back XXXX minutes later to inform us we did not qualify. I explained our situation and why we were struggling to make the mortgage payment especially with the new increase. He said at this point there was nothing he could do. ( 1st time false information was told to me, as well as not mentioning there was COVID relief for home mortgages ) That afternoon my wife informed me that she heard from a coworker there was covid relief being provided for home mortgages who were in a forbearance during Covid. At this point I was worried I might loss my home because I was making payments but the payments were late and additionally fees started adding up. A few days later we contacted AmeriXXXXhome again. The lady from AmeriXXXXhome said we should defer the past due amount and complete a mortgage assistance packet due to covid. We received the packet in the mail a few days later. I filled the packet out and my wife emailed them to AmeriXXXXhomeXXXX document center on XX/XX/XXXX. ( see p1 ) On XX/XX/XXXX I contacted AmeriXXXXhome to check on receipt of the document and was informed they needed me to resend the documents via email and upload them to their document center. On XX/XX/XXXX I received a notification that the Loss Mitigation Application was complete. ( See P2a ) This was done the same day. ( see p2 ). On XXXX the XXXX, XXXX I was sent a Burrower in Special Flood Document to complete and send. I emailed the document on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. Contacted AmeriXXXXhome because I was getting an error message which thought was my fault. I resent the document on XX/XX/XXXX to AmeriXXXXhomes message center because DCCDOCs was having issues. ( See P3 ). At this point I started uploading all further documents to loansolutions website as well as emailing them to their document center. On XX/XX/XXXX I contacted AmeriXXXXhome to check on the status of the application. At first I was told they did not get any of the paper work. After several minutes of going back and forth I was informed that they do have it but I now needed to send in a hardship letter. I am not sure why this request was not sent along with the other additional requested documents. For example, I spoke with AmeriXXXXhome on XX/XX/XXXX and XX/XX/XXXX and this was not mentioned. Most importantly, the Mitigation packet said no letter was needed. ( see P3a ) The hardship letter was never mentioned to me until I called to check again on XX/XX/XXXX. ( See P1 and P3 for proof of communication ) This new request gave AmeriXXXXhome another month to complete my hardship/loss mitigation request. I wrote the letter and uploaded the document on XX/XX/XXXX at XXXX. ( See P4 ) On XX/XX/XXXX I contacted AmeriXXXXhome to check on the status and was informed they didnt receive the hardship letter so I resent the letter via AmeriXXXXhomes message center ( See P4 and P5 for proof ). On XX/XX/XXXX I contacted AmeriXXXXhome to check on the status of the application and was told it was now complete. ( See P6 backdated to XX/XX/XXXX ) This confuses me because on XX/XX/XXXX I was told to resend a new hardship letter, so how was it completed without hardship letter? Another missed opportunity and more time wasted. On XX/XX/XXXX I contacted AmeriXXXXhome to get the status of the application, which was now 2 months later. I was informed that the application was being review by the underwriting department. I was very worried because my payments were falling behind again. The lady informed me and make a payment and this will improve your chances of getting approved for the modification also I would suggest you defer the other month as well. So we did what lady at AmeriXXXXhome instructed us to do. We borrowed the money we didnt have to cover the increased mortgage note from my parents and made a payment on XX/XX/XXXX. AmeriXXXXhome deferred the rest. I want to point out never was Hud counseling every mentioned by anyone up until XXXX. They show letters being mailed to me but I had NO CLUE WHAT OR WHY THIS WAS OFFERED. On XX/XX/XXXX I emailed AmeriXXXXhome checking on the status again. ( See P7 ) I was informed again it was still being looked at by underwriting. On XX/XX/XXXX I received an email stating my application was complete. I was determined INELIGIBLE because I was current on my account, and my account is not at risk of default, making me ineligible for this program ( See P8 for proof ). That night my wife and I emailed AmeriXXXXhome to discuss why we were denied for something they being AmeriXXXXhome instructed told us to do on XX/XX/XXXX. Additionally, why or how could it take 2 months to apply a loan modification that is a government issued program for COVID? We receive a reply back saying it was being looked into and to give them until XX/XX/XXXX to research it. ( See P9 and P9a ) After not hearing back from AmeriXXXXhome we called again but no one could answer us. We called back on XX/XX/XXXX. ( see P10 ) The lady from AmeriXXXXhome apologized for the miss guided information and lack of communication on their part. She told us to contact HUD Counseling ( first time I hear about them ) and to also write a HAND WRITTEN appeal letter and upload it to the document center or email it. She also said they will mail another mortgage assistance packet and write a new hardship letter. Lastly, she told us to contact XXXX XXXXXXXX to check on any government assistance. The first thing I did was send the hand written appeal letter on XX/XX/XXXX ( see P10 ) as well as telling them verbally over the phone. I had to wait on the packet in the mail about the process of the appeal and paperwork because I was out of ink in my printer. Once I received the packet on XX/XX/XXXX I completed it and emailed and uploaded it that day. ( See P10a 2 documents ) On XX/XX/XXXX missing documents were requested and sent the same day. ( P10a and P11 documents ) I contacted AmeriXXXXhome on XX/XX/XXXX and was notified that I needed to send in my wifes information. This was emailed and uploaded on XX/XX/XXXX. ( See P11a ). On XX/XX/XXXX I called AmeriXXXXhome to check on receiving the paper work, one lady said yes it is here but when I was transferred to another department I was informed their document center was having issues to please send it again. ( see P12 ). On XX/XX/XXXX I received a notification that the paperwork was complete on XX/XX/XXXX. Which I was told they didnt have it and requested me to send it again on XX/XX/XXXX ( P12 and P13 ) I contacted AmeriXXXXhome via email and a phone call on XX/XX/XXXX to discuss our debt counseling conducted by HudXXXX XXXX XXXX XXXX XXXXgested we ask AmeriXXXXhome to do a loan modification to help our debt to income ratio. I also informed them about me applying for XXXX XXXXXXXX on XX/XX/XXXX ) to ensure this communication was not lost I also emailed it. ( See P14 ) I contacted AmerXXXXhome biweekly to check on the status via a phone call. On XX/XX/XXXX XXXX XXXX website said it was now waiting on AmeriXXXXhome to send them proof of my mortgage loan. So on XX/XX/XXXX I contacted AmeriXXXXhome to request this paperwork to be sent as soon as possible, the lady said I will send the request right now as we speak. Which I find out later she didnt. On XX/XX/XXXX I was notified that the loan modification packet was now incomplete, which again confused me because I was sent a letter in the mail that it was complete. Also on XX/XX/XXXX I contacted XXXX XXXXXXXX to see if they received proof of my mortgage from AmeriXXXXhome and was informed that they were still waiting on AmeriXXXXhome. At this point we called AmeriXXXXhome on XX/XX/XXXX to find out what was missing because all my paperwork was signed and sent. After 20 minutes the representative said, I cant find it so just send it again and to send an updated check stub. So on XX/XX/XXXX we uploaded and emailed the paper work again ( See P15 ). By now we go from checking weekly to almost daily. On XX/XX/XXXX I received a notification from AmeriXXXXhome that my application was now completed for the 2nd time. ( P16 ) On XX/XX/XXXX we called AmeriXXXXhome to check to see if they have sent XXXX XXXXXXXX the proof of mortgage and the status of the application. Again I was told they will email the department and it takes time to process this request to be patient. On XX/XX/XXXX we called AmeriXXXXhome to discuss changing our insurance, XXXX XXXXXXXX proof of mortgage, and the status of application. I conducted a three way call with my wife on the phone. The gentleman told us he sees where XXXX requested the information but does not show AmeriXXXXhome sending it so he will email them again. He also informed us that the underwriting department is still looking at our application then he transferred us to the insurance department. We notified them of the change due to XXXXXXXX XXXX filing bankrupt. On XX/XX/XXXX XXXX XXXX was added as a person who can call to get information. On XX/XX/XXXX my wife calls AmeriXXXXhome to check the status of the application and to see if they sent XXXX XXXX proof of montage. Employee # XXXX said you are not on the list so I cant help you. She then said yes I am, I was added on XX/XX/XXXX. He puts her on hold for 10 minutes comes back and says OH, we have it. My wife asked about the status of the application and was told it wasnt completed. She then ask about XXXX XXXXXXXX and he transfers her to XXXX XXXX # XXXX. She said the same thing and to call XXXX XXXX to resend it. She called and XXXX said they sent the request twice. My wife calls AmeriXXXXhome back and spoke with employee # XXXX. The Employee proceeded to tell my wife we were DOUBLE DIPPING and Ameriahome will not accept money from XXXX XXXXXXXX nor will they email them proof of the mortgage because we applied for a loan modification. At this point my wife got nervous and started to cry. She explained that AmeriXXXXhome was the one who told her to apply and she has called AmeriXXXXhome weekly to check on this request for over a month and AmeriXXXXhome was the one who told us to apply. The lady again tells her WE ARE DOUBLE DIPPING and you cant apply for help. My wife then asked to speak to a manager. At this point she looks at the account and says your mortgage modification is complete. My wife said no it not I just talked to two employees before you that said it wasnt complete. The lady said they dont know what they are talking about. My wife then asked to speak with a manager again. The employee puts her on hold for 3-5 minutes comes back and says, The manager can not talk with you right now and she will call you back within 2-3 days. My wife said I really need to talk with her now. The lady then proceeds to pretend to email the manager. We find his out on XX/XX/XXXX that everything this employee was telling my wife was not true. She was not reporting it to a manager nor requesting one to call my wife back. She only documented talking to her about the modification being completed. Which she did tell my wife you have 14 days to accept the modification so make sure you watch for the paperwork in the mail. She also told my wife she was documenting all AmeriXXXXhome employees that told us to apply for XXXX XXXXXXXX and they were going to be reported for giving out false information and the manager will get back with me. Which was again was not true. At this point my wife informs her she will contact Hud Counseling, XXXX XXXX and the Consumer Financial Housing Department concerning all the miscommunication by AmeriXXXXhome.
My wife contacted XXXX XXXX talked with XXXX and was told that everything was conducted correctly. However, the lady did not ask any questions nor asked for proof, which we included in this letter. So basically XXXX XXXX is only seeing what AmeriXXXXhome sent and not our side. My wife then said ok I will be sure to note that.
On XX/XX/XXXX the modification papers had not come in yet so my wife called and was put on hold for XXXX minutes and then it hung up. At this point she emailed AmeriXXXXhome on the message center. On XX/XX/XXXX she called back to tell them we had not received the paperwork. The lady on the phone said we had until the next day to accept the offer. At this point our only opition was to verbally accept it. She then transferred her to XXXX, which we had no clue who this company was. We were told AmeriXXXXhome contracts them to complete modifications and sending they are also in charge of the sending XXXX XXXXXXXX information. My wife explained what happened and Employee # XXXX requested we call continue XXXX XXXX to allow XXXX to receive and give information on our loan. We did and she also requested we submit this complaint to XXXX directly XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Again, we are not out to get a free home we just needed help until our financial situation improved. We did not cause COVID, nor did we tell our president to shut everything down. Since XXXX I have lost XXXX jobs, XXXX sister to XXXX, XXXX on XXXX because of XXXX, caught XXXX twice, and now fighting to keep our home. Since everyone at AmeriXXXXhome and XXXX XXXX believe it is ok to falsely report information to a client, hold back information, call us DOUBLE DIPPERS, and refuse money from the government program we believe all parties involved should be made aware of this. We also believe the whole process was very intentional. If false information was not provided to us back during our 1st modification request we would have gotten a lower interest rate then our monthly note would have remained where it was when we originally got the loan. However AmeriXXXXhome waited for the interest rates to increase then approved our modification and failed to submit the XXXX XXXX paper work after multiple request which in turn increased our mortgage note from paying {$1200.00} to now {$1300.00}.
Again, all communication can be provided along with additionally communication. I am not sure what the outcome of this letter might be but I truly hope it helps someone who is going through the same situation.
This complaint was also mailed to XXXX XXXX along with all supporting documents on XX/XX/XXXX at XXXX pm. I will also mail a copy to XXXX,
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| 09/27/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was in Forbearance with my mortgage lender due to XXXX XXXX related financial hardships, they gave me a 2 month extension on my forbearance, giving it an end date of XX/XX/2022. I spoke with them shortly before the end of my forbearance period was to commence, and they informed me they would be sending a packet/application to be filled out for their Underwriting Dept to review the best options moving forward with the reconvening of my loan payments while address the additional Forbearance deficit. On XX/XX/XXXX, on the launch date of the government HAF program-XXXX XXXX I immediately applied. My application was submitted fully complete with all required supporting documentation. I was contacted the following week to re-sign two authorization forms, which I did within that week and re-submitted. All required documents and phases of my application have been completed-time and date stamp, XX/XX/2022 @ XXXX. During my last conversations at the end of XXXX XXXX with my lenderXXXX XXXX. I was advised my loan was potentially being sold. I was advised any payments granted by the XXXX would be submitted to the new lender when their information became available. I was told in the meantime I would still be receiving the packet my lender had previously told me would be sent out in XX/XX/2022, at the commencing of my ( extended ) Forbearance period. I was also advised I should not make any payments until they were able to review my completed paperwork-as it would not be applied to any current payments due.
In XXXX and XXXX a man came to my home taking pictures-advising my loan has been reassigned and that he was simply conducting routine monthly photographs per the lender. He was unable to give me any documentation nor provide me the name or contact info for my new servicer. In XXXX I began receiving calls from a XXXX number, I typically do not answer such numbers, assuming them to likely be spam. At the end of XXXX one of the calls resulted in a voicemail left on my cell phone-upon listening to the message I was made aware that a company by the name of AmeriHome was trying to contact me. Still assuming it was likely a sales solicitation to refinance, I returned the call. After several transfers, I was told that I was in an active foreclosure with a sales day, a month away on XXXX XXXX. I was in complete shock and demanded to understand how this could be. I was given a state local number to call, and told that I needed to speak to someone at that number, as they were the foreclosure dept. When I tried to explain that I was in the middle of completing my next steps to proceed at the close of my forbearance when my loan was apparently transferred to them without proper notice or instruction as how to contact or proceed with the new servicer-I was met with ghastly denial and was in fact told that they ( AmeriHome ) has always had my loan.
I was told that they would send a packet out that must be completed before the XXXX to avoid sale but would take 7-10 business days to arrive. Once again advised to call the foreclosure department. I hung up and proceeded to call the number provided, and I reached a legal office. I left a voicemail on a Friday afternoon at XXXX, XX/XX/XXXX. I was in a complete panic, overcome with worry, confusion, and immense anxiety the entire weekend. I looked up my application status on XXXX and found the status stating XXXX XXXX Authorization Needed-set up. This lead me to believe they have been waiting on a response from the mortgage company to proceed with funding disbursement. On Monday I contacted the XXXX customer service line promptly at XXXX. The associate I spoke with advised she would unlock my account and I was to update the section of the application regarding my mortgage lenders contact info. She proceeded to hang up on me when I inquired further as to how to ensure this would be addressed and that I had a time sensitive foreclosure sale impeding. I went through my unopened mail and found a statement from XXXX most recent from AmeriHome and XXXX other correspondence from XX/XX/2022, also a payment statement. No where did it indicate I was in default or in threat of foreclosure. It did mention my delinquent payments-from my forbearance period, though the forbearance itself was not mentioned at all. There was a piece of paper with a Hud Counseling agencys contact info include separately, stating it was provide by the law office whom I had contacted on the previous Friday and indicated it was on behalf of them and XXXX XXXX dba XXXX XXXX?? Yet another mortgage name given, making it impossible to decipher what information I should even update my XXXX app with to ensure it the correct lender and mortgagee clause be provided. I was able to schedule a phone appt for later that day with XXXX of the HUD counselors from the agency provided in that included sheet of paper. She proved to be a wonderful and most helpful resource. She struggled to find any indication of AmeriHome as having a judgment or even a delinquent account status reported to my credit, she could not find any info on the upcoming sheriff sale that had been mentioned by two diff dates in the one phone conversation I had with AmeriHome. She advised I reach out to my local sheriffs office, which I did and they were unable to find any information on a foreclosure sale of my home, let along a scheduled auction sale in a month. I decided to try the law firm again, as they had not returned my call/message from Friday and the HUD counselor thought they might have more info as to the true status of my mortgage and verify or deny upcoming sale. I was advised they would have had to attempted to contact me 5 weeks prior to the scheduled sales date and on 3 occasions. I was transferred several times within the lawyers office staff voicemails, 2 of which were full and I could not even leave a message. I called back and demand I be able to speak with someone, I would hold if need be but I had a time pertinent matter to address. Finally I was given a staff member who proceeded to tell me she didnt know what I was seeking, that my loan servicer was Cenlar-after I had to stop her and request she spell it, as this was yet another lender I was being told was MY mortgage lender. I asked if i could get their address and phone number to contact, and also to provide XXXX. To which she responded, " I dont know that info ''. When I inquired about the validity of a foreclosure sale-she told me she could not comment on that and would have to wait for her " servicer 's report. I told her I didnt understand what that meant and that I was working with a HUD counselor who had advised me there was a 5 week timeline requirement-which clearly we were outside of, as the conversation was being had on XX/XX/XXXX, with an alleged sales date of XX/XX/XXXX which I had no paperwork on and both her office and the local county sheriffs office had no record of any such paperwork being served by either offices-nor a request to deliver in the future. She told me she didnt know anything about a sheriffs sale but they would have their sale, but she could not comment on when that may or may not take place. I expressed my deep uneasiness with the lack of information from anyone yet a vague non committal reference to a potential sale by all parties I had reached out to. She said she didnt know what I was needing, and hung up on me.
I reached back out to the HUD counselor who instructed me to attempt to log in my online account from my previous and last known mortgage company, XXXX XXXX to see if I had received any correspondence to inform me of the sale of my mortgage and provide me with the information that AmeriHome was now my new lender and their contact info, also when this might have taking place. I attempted to access my previous account but was denied access. Due to the continued lack of information and general confusion, and nearly purposeful uncooperative nature or willingness for any of the involved parties to take responsibility and give direction as to the the actual mortgage servicer, status of loan, or foreclosure, and scheduled sale/and or remediation options, the HUD counselor informed me she would like to bring my situation to one of her supervisors. At the end of the business day she called back with some advice from her supervisor and her opinion that my previous lender, XXXXXXXX XXXX and/or my new lender, which was determined to be AmeriHome-had neglected to properly and accurately transfer my loan for servicing. Among the issues Ive stated, and in addition to-My forbearance period and dates were not correctly accounted for, and the extension was not included nor mentioned to the new servicer. This seemingly has caused the appearance of longer delinquent period, over 90 days, than the mortgage in actuality was at the time AmeriHome bought it, in-what we now learned from the Notice of Sale document we called BACK to the law office for the 5th time and were able to request, after being specifically advised what to ask for by the HUD supervisor-on exactly XX/XX/2022. The day the XXXX program launch for applications to be submitted and I subsequently submitted my application, at that time showing XXXXXXXX XXXX as my mortgage lender, which they were.
I am now working with the HUD counselor to proceed with options to equip myself with the pending sale. I am beyond flabbergasted and appalled at the treatment I have received thus far and the seemingly nearly purposeful concealment of information I have the right to as a consumer, particularly concerning my largest purchase to date in my XXXX years, and undoubtedly my greatest asset. Aside from the blatantly inconsiderate and counterproductive unprofessional encounters I have had thus far-can we for a moment consider the cruelty to be so flippant and irresponsible regarding another persons home?! I am a XXXX mom with XXXX children, who saved my entire down payment myself while making {$12.00}, prior to being laid off during XXXX I had never been late or missed a single payment on my mortgage. The day I closed on my home is and was one of the best moments of my entire life. I take great pride in the fact I was able to give my children a safe, consistent, and stable place where we dont have to rely on anyone or be separated due to lack of space or affordable housing in the rental market. I am astounded that the customer service, providing of information I can not otherwise obtain, and the literal battle to be given what should if nothing else, and surely not short of LEGALLY is due me. Ive had far better service at almost any drive thru Ive been too at this point then I am receiving from the holder of my mortgage. I have been physically Ill with worry and anxiety over the situation alone, and meet with an almost sabotaging agenda principle to merely gain information, I am apparently being held responsible for holding-yet it is literally being withheld creates a rather desperate and counterproductive futile chasing of ones own tail-so to speak. Considering that Foreclosures, are by their very nature a time sensitive and time obligated occurrences, it is simply unacceptable to allow lenders, services, and the third parties they employ to fulfill tasks on their behalf, to continue to operate with such a flagrant disregard and negligence for the consumers right to information, resolution options, timely and transparent access to documents, and contact information that can prevent the default or foreclosure of their mortgage loans. Particularly in regards to undermining the help for FHA and other government backed loans, when such allocated funds become available-especially following any national or world crisis, such as we saw and continue to see with XXXX XXXX. It is my sincere hope that the remainder of my attempt to work with the mortgage lender now holding me seemingly hostage in an active Foreclosure, will prove a better experience than the lack of such diligences and void of business principles and their seemingly unimportant integrity to adhere has brought us to this day.
Thank you greatly for your time and consideration in this matter. My apologies for the overly wordy and unedited copy-I was not planning to share in the depth at which this became. I truly am shocked and concerned for my fellow American homeowners, who have gone or will go through a similar experience with their lender or this particular servicer. I doubt most have the tenacity to even continue to pursue what should not be a scavenger hunt of wasted precious time and energy to obtain in the first place. I know I have been left with an overwhelming sense of mistrust, disregard, and almost malicious opposition where I never imagined I would. Shame on me.
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| 03/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We received our Annual Escrow Account Disclosure statement dated XX/XX/XXXX, which detailed an escrow shortage of - {$48.00}. It explained if we preferred to pay the escrow shortage of - {$48.00}, due by XX/XX/XXXX our new mortgage payment would then be {$2400.00}. If we did not submit the shortage payment our new mortgage would be {$2400.00}.
We paid Amerihome {$48.00} and a separate payment of {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement from Amerihome, payment dueXX/XX/XXXX mortgage showed the total amount due was {$2400.00}.
On XX/XX/XXXX, we contacted Amerihome for the first time to inquire why our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}. They stated the escrow shortage received XX/XX/XXXX of {$48.00} was not correctly applied to the escrow account and that they would correct it.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage on XX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXXMonthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage on XX/XX/XXXX.
We contacted Amerihome in XX/XX/XXXX and spoke to Agent # XXXX and they assured us the escrow shortage payment received of {$48.00} would be applied correctly to the escrow account.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage onXX/XX/XXXX.
We paid Amerihome {$2400.00} onXX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage on XX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage on XX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage onXX/XX/XXXX.
We paid Amerihome {$2400.00} onXX/XX/XXXX.
Our XX/XX/XXXX Monthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage on XX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
We contacted Amerihome in XX/XX/XXXX and spoke to XXXX Agent # XXXX he assured us the escrow shortage payment received of {$48.00} would be applied correctly to the escrow account.
Our XX/XX/XXXXMonthly Statement still reflected a payment of {$2400.00} due XX/XX/XXXX and not {$2400.00}, since we paid the {$48.00} escrow shortage onXX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
We contacted Amerihome at XXXX on XX/XX/XXXXand spoke to XXXX XXXX Agent # XXXX. She transferred us to her supervisor XXXX Agent # XXXX, she assured us the escrow shortage payment received of {$48.00} would be applied correctly to the escrow account and would be corrected in 72 business hours. - 2nd issue InXX/XX/XXXX, we received our Homeowners Insurance policy renewal packet from XXXX XXXX for policy period XX/XX/XXXX-XX/XX/XXXX.
On XX/XX/XXXX we received the following from AmeriHome mortgage Subject : Please provide hazard insurance information Our records show that your hazard insurance has expired, and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect for which you do not have insurance.
Our hazard insurance has never changed since the beginning of our loan XX/XX/XXXX, so we were very confused by this notice.
OnXX/XX/XXXX we received the following from XXXX XXXX : an Important Notice about the Bill to Your Mortgage Company. At this time, XXXX XXXX has not received payment from your mortgage company, and your premium is overdue. We have sent a second request on your behalf requesting payment from your mortgage company. If this second attempt is not successful, you will receive a bill in the mail requesting payment.
We contacted Amerihome on XX/XX/XXXX at XXXX and spoke to XXXX # XXXX regarding Amerihome not having our Home Insurance policy- which we could not unstand why, as our policy has never changed since the beginning of our loan XX/XX/XXXX. We were transferred to XXXX XXXX at XXXX and then XXXX and confirmed it was issued on XX/XX/XXXX.
We called Amerihome back at XXXX and requested a call back.
We received an email from AmeriHome on XX/XX/XXXX that on XX/XX/XXXX a disbursement for {$1100.00} was made out of our escrow account.
On XX/XX/XXXX we received the following from AmeriHome mortgage : The insurance cover we ordered on your behalf has been cancelled.
This issue appears to be resolved.
- Continuation of 1st issue Our XX/XX/XXXX Monthly Statement reflected a correct payment of {$2400.00}, due XX/XX/XXXX.
We paid Amerihome {$2400.00} on XX/XX/XXXX.
- 3rd issue We contacted Amerihome on XX/XX/XXXX at XXXX and spoke to XXXX # XXXX. We prepaid our XX/XX/XXXX County Taxes and wanted to know what Amerihome needed. They needed an email sent to XXXX with copy of the receipt for our payment to be readjusted to not include taxes for XX/XX/XXXX.
I emailed XXXX on XX/XX/XXXX to request our payment be adjusted to not include taxes for XX/XX/XXXX as we have pre-paid them directly with XXXX County in the amount of {$5700.00} and attached a copy of the check to the county.
I received an XXXX # XXXX on XX/XX/XXXXfrom AmeriHome that they have received our recent inquiry regarding our mortgage account. The information provided was been forwarded to the tax department for further review, research, and resolution.
- Continuation of 1st issue We contacted Amerihome on XX/XX/XXXXat XXXX and spoke to XXXX # XXXX she stated the adjustment would be effective XX/XX/XXXX.
- 4th issue We contacted AmeriHome on XX/XX/XXXX at XXXX and spoke with XXXX and then was transferred to XXXX # XXXX at XXXX. XXXX informed us that we were 10 payments past due and owed over {$26000.00}, that there was a mix up in funds and that our escrow shortage payment of {$48.00} was received, but never applied to the correct account. They needed to remove the funds to sitting in suspense. A supervisor was to call us back by XXXX.
XXXX called us at XXXX and stated a holding account wasnt correctly redistributed and she would have it reapplied and completed byXX/XX/XXXX
On XX/XX/XXXX we received a return receipt requested notice from AmeriHome that the Amount Due as of the date of this letter : {$2400.00} and that You are hereby notified that the captioned loan is in default. You have breached the terms of the mortgage/deed of trust securing your loan by failing to make the monthly payments due XX/XX/XXXXthrough XX/XX/XXXX.
We received our Annual Escrow Account Disclosure Statement dated :XX/XX/XXXX, which shows an escrow surplus of {$4200.00}, which does not appear correct. Our new mortgage payment is {$2400.00}, which also does not appear correct. Principal and/or Interest : {$1800.00} and Escrow ( Taxes and/or Insurance ) : {$570.00}.
We emailed XXXX onXX/XX/XXXX with the following : After speaking with customer service twice today, they informed me that our Payment due XX/XX/XXXX was not received. I'm inquiring why our payment of {$2400.00}, screenshot attached, has not posted to our account.
On XX/XX/XXXX we received the following from AmeriHome : Thank you for contacting us. To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form.
We emailed XXXX onXX/XX/XXXX with the following : Per the reference number indicated in the subject, I'm inquiring why our payment of {$2400.00}, has not posted to our account. I'm including the electronic transmittal form as requested.
We contacted AmeriHome onXX/XX/XXXX at XXXX They informed us that we owed a {$92.00} late fee due to a missing mortgage payment. We spoke to XXXX Agent # XXXX and he informed us they were still researching. The call disconnected after 25 mins.
We called AmeriHome back on XX/XX/XXXX at XXXX and spoke to XXXX and he informed us this was a Customer Service issue. I was on the phone for a total of 15 mins and was disconnected.
We called AmeriHome back at XXXX and spoke to XXXX # XXXX, he stated Ive never seen an account like this. He provided us a number to contact XXXX We spoke to XXXX # XXXX. She took this to her manager and asked if we made 2 payments. She confirmed our payment posted on XX/XX/XXXX and told us this was not a collections issue and transferred us back to customer service. The total call time was 1 hr and 3 mins.
We then spoke with XXXX # XXXX, she asked for the XXXX # and said something doesnt look right, let me review the documents you sent she determined that XX/XX/XXXX payment went to our escrow account instead of our mortgage and that this would be corrected by XX/XX/XXXX.
We contacted AmeriHome on XX/XX/XXXX at XXXX and the automated message stated our last payment was received on XX/XX/XXXXand that ourXX/XX/XXXX payment had not been received. At XXXX we spoke with XXXX # XXXX and she said it looked like we need to speak to loss and mitigation since there was a flag on our account. At XXXX we spoke to XXXX # XXXX I was on hold until XXXX so she could review our account. She reviewed the customer service notes from XX/XX/XXXX and stated that we needed to call the bank for a transmittal # and that we needed to email that to XXXX. She stated that our account does not show a {$92.00} late fee, but that are past due on our XX/XX/XXXX payment. At XXXX she advised I give customer service a call back regarding the tax department.
On XX/XX/XXXX we reached out to XXXX to request the transmittal # and were told it could be a few days to receive the information. It should be emailed to us and we will provide it AmeriHome as soon as we receive it.
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| 12/22/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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We have had several unfortunate medical and financial burdens happen to us, including XXXX and it's after effects, since XX/XX/XXXX. We have an FHA Loan for our mortgage and was never offered a proper explanation about forbearance and our FHA loan options. They never put us on the forbearance plan like the CARES Act says that they are supposed to. They ultimately offered me a loan modification plan, but neglected to put the delinquent payment amounts as a partial claim, as is required for an FHA Loan in the CARES Act.
Here is the chain of events that happened - On XX/XX/XXXX we were handed the keys to our new home.
On XX/XX/XXXX I lost my job and was not able to find employment for 2 months.
In XX/XX/XXXX I was able to get a job. Unfortunately, I found out that the Health Care plan available to me was a high deductible plan that resulted in high out of pocket costs for everything medical until the deductible was met. The out of pocket cost per individual being {$3000.00}. There are XXXX people in our family and because of the high deductible for each person, we had not met it and were still paying, out of pocket, full price for all medical including Dr. visits, prescriptions, procedures, etcwell into " COVID '' affecting jobs and the economy. The out of pocket cost ( s ) for prescriptions and dr. visits has been a huge burden. The monthly cost of my medications alone was over $ 1,000/month. My wife has chronic health issues and must go to the doctors often. And all XXXX of our children were in XXXX for various reasons which were all new things that have happened since we moved into our new house.
Because of my initial job loss, coupled with my wife 's unexpected/unplanned XXXX, it was determined that we could not keep up with all of our bill payments. We fell behind and I ultimately claimed XXXX XXXX bankruptcy in XX/XX/XXXX. The house was never part of the bankruptcy and I filed that way. As a term of the initial bankruptcy filing, I was required to have less than {$300.00} in my accounts. Because of this requirement I sent a cashiers check to my Mortgage Company on XX/XX/XXXX to go towards XXXX mortgage payment. I found out later that by paying this way, the money sent does not go towards the mortgage payment, just the general principal balance. I am assuming that this was applied to my overall mortgage, but have never received confirmation in any statements showing this.
My wife started a new job, at a High School, shortly after the beginning of the school year in XXXX of XXXX. She was only able to work 17 hours a week. All of the schools were shut down for COVID in XXXX of XXXX. When this happened her job at the school district ended. My wife stopped getting paid by the school at this point.
My wife 's ex-husband has not been current on child support since XXXX, only making very sporadic payments, which we had used to pay for medical bills in the past. Per her divorce decree, he is ordered to pay 50 % of all costs associated with our daughter but to date is significantly behind. This had contributed to the financial burden we found ourselves in.
My ex-wife is also not current on her financial obligations. Per the divorce decree, she is obligated to pay 50 % of all costs associated with our children but to date is behind as well. This had also contributed to the financial burden we found ourselves in.
I tried to access the online portal to make my mortgage payments but was unable to. By the time I was able figure out why a couple months had passed. After getting transferred to several different people, my mortgage company finally told me that I had to coordinate communication through my bankruptcy attorney because I was in a bankruptcy. I told the Mortgage Company that I didn't understand why they wouldn't talk to me because the house wasn't part of the bankruptcy. They wouldn't give me a straight answer. This happened in XXXX of XXXX.
On XX/XX/XXXX I obtained a letter from my bankruptcy attorney that I sent to my Mortgage Company authorizing them to speak to me. I faxed this to my mortgage company on XX/XX/XXXX ( attached file named 01 - XX/XX/XXXX Letter faxed on Attorney ). They called me back and told me that I was delinquent on payments, but that there were options. I asked what the options were and one of the options they offered was a forbearance. I asked what that meant and they said that my payments would be put on hold and at the end of the forbearance I would have to pay the money back in a lump sum. I told them that there was no way I could do this and they offered another option of a loan modification. I asked them to send me the paperwork on this.
The mortgage company sent me the loan modification paperwork in the mail. I filled out all of the paperwork and faxed it back in. I'm not sure of the exact date and my record of this was lost. The application and hardship letter was signed on XX/XX/XXXX ( attached named 01a - Loan Assistance Submission XX/XX/XXXX ) .There were several subsequent letters from my mortgage company stating that I was missing this document or that document even though I had sent them a complete package. On XX/XX/XXXX I faxed over the final " missing '' documents they asked for. ( attached named 02 - XXXX Fax with Missing Docs. ( Wife 's 1st check since COVID ) ).
On XX/XX/XXXX I received another letter stating that more documents were missing. This was incorrect. ( attached named 03 - XXXX Letter Stating that Docs Still Missing ( Incorrect ) ). They were asking for information that I had explained I did not have, namely paycheck stubs. I had explained to them that she had not received any paycheck stubs because her job was suspended/terminated due to COVID.
I received another letter from my mortgage company on XX/XX/XXXX stating that my application was incomplete and the deadline passed therefore was denied. ( attached named 04 - XXXX Incomplete Application - Deadline Passed ). This was very confusing and frustrating to me because I thought that I had sent everything in, multiple times.
On XX/XX/XXXX I received two letters. One stating that I was in default and the other giving me notice of options ( attached named 05 - XXXX Letter Default Notice and 06 - XXXX Letter Notice of Options ( Forbearance but not good- Highlighted ) ).
At this time I didn't know what to do. I got a hold of a HUD counselor to see what they could do to help me. The HUD counselor tried multiple time over the course of 3 months to get answers. Because we weren't getting any straight answers, on XX/XX/XXXX I submitted the application, along with another hardship letter, for another loan modification to my HUD Counselor. She sent this to my mortgage company. ( attached named 07 - XXXX Copy of Info Sent to HUD Counselor for Submission ).
On XX/XX/XXXX a letter was sent from my mortgage company stating that my loan modification was approved ( attached named 08 - Loan Modification Approval - XXXX ). This loan modification was NOT what was discussed, or what I was supposed to receive. They did not treat this as an FHA Loan. They took all of the delinquent monies and added them to the backend of the loan. They did not file a partial claim ( as is required for an FHA Loan ), they did not reduce the payment amount to be 30 % of my income ( as is required for an FHA Loan ), they did reduce my interest rate by .5 % but because they added the delinquent money owed to the backend, this only reduced my monthly payment by {$27.00} which is not realistic or doable.
On XX/XX/XXXX my HUD counselor and I filed an appeal letter to the mortgage company stating reasons that we felt their conclusions were wrong. ( attached named 09 - To Whom it May Concern ). My HUD counselor tried for months to get someone at the mortgage company to talk to her clearly and intelligently about my case and what was going on. She got nowhere with them ; transferred from department to department, person to person.
Finally on XX/XX/XXXX my HUD Counselor and I were able to have a conference call with my mortgage company and after being transferred to three different people, spoke to someone in the Single Point of Contact Department. We got nowhere speaking to him and threatened to file a complaint with Consumer Finance since the mortgage company wasn't helping. The mortgage company said that they would escalate this to the underwriter to see what they would do.
I received a packet in the mail on XX/XX/XXXX with a letter dated XX/XX/XXXX providing, for the third time, the loan modification application with no explanation ( that was promised ) as to why they are denying the partial claim ( attached named 10 - Letter with Loan Modification Docs & No Explanation XXXX ).
This is a never ending process, with no clear communication from the mortgage company nor any reasonable understanding of what they are obligated to do in my situation.
In the meantime, my wife only started earning money again from her job, in XXXX of XXXX as the new school year started again and kids went back to school. Unfortunately her hours were greatly reduced because the school she worked at adopted a hybrid online-in school learning model. Between being quarantined because she works at a school, and the fact that she was exposed to COVID, coupled with the fact that my wife got XXXX on XX/XX/XXXX, she was out from work until XX/XX/XXXX, and was not able to go back before then, or get paid for that time.
When she went back to work after her bout with XXXX, because of the condition of the student she was following/helping she was relegated to only working 1-2 hours a day, 4 days a week, through the remainder of the XXXX school year ( which ended XX/XX/XXXX ).
It is my understanding that since I have an FHA loan, the mortgage company was supposed to not only automatically put me on the forbearance plan after payments were missed, but once the forbearance period was over, file the delinquent payments as a partial claim to be a 2nd mortgage in which payments wouldn't start until the 1st mortgage was paid for. This is clearly stated in the CARES Act but not one of the 1/2 dozen or so people I have spoken to over the course of the last 16-18 months will listen to.
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| 04/19/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am a homeowner in XXXX County, Wisconsin. XXXX County allows for taxes to be paid in a lump sum or in XXXX XXXXnstallments throughout the next year. They will accept either a payment to the annual amount or a XXXX payment by XXXX, but the latter results in additional due dates on XXXX, XXXX, and XXXX. This is reflected in the copy of my XXXX tax bill, publicly available online through XXXX Countys website : XXXX : XXXX? XXXX & XXXX In XXXX I closed on my current home with XXXX XXXX who are not the subject of this complaint. My escrow account was created with the intent of paying my XXXX tax bill in quarterly payments. It was set to disburse a XXXX amount of the tax on XXXX, XXXX, XXXX, and XXXX. This is recorded in my Initial Escrow Disclosure as part of my closing documents.
XXXX XXXX sold my mortgage to Amerihome in XXXX of XXXX. My escrow rolled over to them with a balance of {$3500.00}. Another {$630.00} was added from the XXXX payment on XXXX once the loan was received by Amerihome. The balance was then {$4100.00}.
Amerihome then received a tax bill from the county. The bill, which is linked above, delineates the monthly payment plan clearly and states that either a XXXX payment or Annual payment is due by XXXX. Amerihome pays the annual amount on XXXX driving my escrow account into a - {$2800.00} balance. They then advance me {$2800.00} to meet the imbalance.
On XXXX Amerihome generated a letter asking me to specify how I elect to have my taxes paid, identifying that XXXX County allows for installment payments. On that communication Amerihome indicated that my election, per their records, was for annual payment. At that time I had made no election with Amerihome, and my Initial Escrow Disclosure was clear that the escrow account was organized for quarterly payments.
On XXXX Amerihome finishes escrow analysis for my account, at which point the overdraft of my escrow comes to my attention. The letter states that my account has a balance of - {$4200.00} due to the need to {$6900.00} to my taxing authority. The analysis shows my predicted quarterly payments from the Initial Disclosure, but provides no explanation as to why an annual payment was made.
The escrow analysis statement also indicates my escrow payment will increase to meet the difference between the estimated total tax of {$6700.00} and the actual total tax of {$6900.00}. I have no complaint or issue with this increase.
I call Amerihome, and the Customer Service Representative indicates that the annual payment was paid because it was required by XXXX County. They also state that my balance was {$2800.00} at time of payment which is why my overdraft was - {$4200.00}.
The conversation with Amerihomes Customer Service Representative prompts me to contact XXXX XXXX, as at that time I expected an issue in communicating my quarterly elections from XXXX XXXX to Amerihome. I work with the same loan officer who managed the closing process of my home. Eventually XXXX XXXX prompts Amerihome to adopt my installment tax strategy, and the tax disbursement schedule for the XXXX tax year is changed to reflect this plan. XXXX XXXX tells me that Amerihome has told them I need to initiate an escrow reanalysis. This process takes until midXXXX.
I call Amerihome and request escrow reanalysis. That second analysis is complete on XXXX. It now indicates that I owed Amerihome- {$2800.00} due to the lump sum annual tax payment made by Amerihome on XXXX. My XXXX and XXXX escrow payments have been applied to this balance. The remaining balance of - {$1500.00} will be recovered by increasing my monthly payment. There is still nothing addressing the fundamental error that an annual payment was made by Amerihome against the Initial Escrow Disclosure.
Throughout this time I have contacted Amerihome frequently. I have requested a case number, or a consistent point of contact, but been told that it is impossible for them to provide anything of the sort. I requested escalation to either the Escrow Analysis Team or a Supervisor and was consistently told that was not possible. The Customer Service Representatives to whom I have spoken have placed requests to modify my monthly payment for XXXX to the previous amount until the issue with my escrow account can be resolved. This was not approved. I was advised to discontinue my automatic payments instead of paying the increased amount while the issue with my escrow was looked into. This would make my payment late, but not incur a fee until after XXXX. I followed this advice.
One Customer Service Representative requested a reimbursement from XXXX County. They told me that even though it was Amerihomes error that the annual payment was made, the debt resulting from that payment can only be removed from my account if the county refunded what was paid. I voiced the opinion that XXXX County was under no obligation to reimburse taxes, and that their decision whether to do so has no bearing on the issue at hand. I was told that because Amerihome was out money that money either had to come from XXXX County or myself, even though the inciting incident for the advance was Amerihomes own inexplicable decision to pay the annual amount of my taxes all at once. Predictably, XXXX County did not refund any money.
The resolutions to these work requests were in no way communicated to me despite my requests to be contacted once they resolved.
Other Customer Service Representatives have told me that they pay only what XXXX Count Communicated to them needed to be paid. They insist this was the annual amount. When I request a copy of the communication that XXXX County provided to Amerihome, which apparently differed from the publicly available record, I was told that I could not be furnished with the document.
One representative told me to create a secure message documenting this issue, to be responded to in 3-5 business days. I sent this communication on XXXX. I amended it to include the solution and schedule of payments presented in the proposed solution portion of this complaint. As of submitting this request the message has received no reply.
One customer service representative did create a work order that I be contacted by a supervisor before end of date on XXXX. During this call it was requested that I upload a copy of my suggested solution as a .pdf to the messaging center. The supervisor to whom I spoke said that they will present the letter to the escrow team, but could not guarantee that the schedule of payments would be adopted. I was told I could not speak to an escrow team member directly. The team should respond within 3-5 business days.
The team contacted did not respond either via message center or contact through a customer service agent. I called back at the end of that period and was told a new work order on my account had been initiated for XXXX. This was after the XXXX due date for my mortgage payment after which a late fee would be applied. When I mentioned this to the agent they offered to forward me to another area of Amerihome where I could request that the payment be delayed by a month. Not wanting my payment to be construed as accepting the debt I asked to be forward and was dumped into an automated phone tree which requested for my extension or to hold for the front desk ; but holding only prompted the message to replay. This occurred both times I called the number and resulted in my payment of XXXX mortgage despite the increased amount.
When I contacted Amerihome on XXXX the customer service agent told me that research had been conducted on my account and that it had determined that the correct tax amount was paid. I attempted to explain my position once again, noting that the crux of the issue had not in any way been addressed. The reply was that I could leave additional information in the message center. The message center in which my XXXX message had received a we are working on it reply on XXXX before eliciting no other response. No, I could not speak to the research team directly. No, the CS agent could do nothing to help with my account.
I speak in generalities regarding these interactions, but if needed I can provide recordings of each call. I do not have records of my interactions with the Chat team.
To reiterate, my central complaint is that the escrow account was overdrawn without need and against instruction. The debt resulting from this overdraft is being recouped by increasing my monthly payment when it could be paid by my standard escrow payments ( as demonstrated in my proposed solution ). Additionally, the customer support provided by Amerihome is contradictory, unfamiliar with the internal processes of the company, unable to interpret the escrow analysis statements, gives varying recommendations, and is not set-up to provide continuous support on a complex issues.
To wit, the escrow analysis by Amerihome seems only to compare the projected amount of the escrow against the actual amount. They see a shortage and try to pass that on to me. At no point is the reason for the shortage addressed or understood. Most of the representatives to whom I speak assume I do not understand my own Countys property tax payment options and refuse to advance the conversation beyond a condescending explanation that I needed to pay my taxes and there was not enough money. No one can provide an explanation as to why my Initial Escrow Disbursement plan was ignored and an annual payment, not required by the county, was made. This apparently includes annotations left by Amerihomes own tax analysis specialists ( sic ) read to me on XXXX.
This is not to mention that the original analysis of my account resulted in the wrong figure being used for my debt, an easily identifiable mistake that would not have been caught or rectified without my intervention. In summary, Amerihomes mismanagement of the account results in my financial detriment and they have no interest in acknowledging their culpability in the situation.
The treatment almost seems malicious; creating a system designed to wait out my patience and ignore my problem. However, I do not want to assign malice where incompetence is a reasonable explanation.
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| 09/17/2018 |
Yes |
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Web |
Servicemember |
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Good Day My Name Is XXXX XXXX XXXX I've recently purchased a home in XXXX moving from XXXX back so my family could help whenever needed. My hands and wrist are at times not corporative. It will take a whiel to write this. I signed my documents on the home a day or so before the sellers signed, as I was in town and had to go back to XXXX to close on the house there. I was assured this was done all the time and very normal, though not in XXXX. I did a walk through of the home the day before I signed to get measurements. It did not occur to me that a detailed walk through to check everything that was suppose to be repaired and in working condition as it was inspected by XXXX XXXX XXXX who gave it an all clear basically. Even after reading the so called termite report that was only XXXX for the sellers and Out of XXXX, XXXX which takes me by a huge surprise. Not to mention when I asked for all the work orders that was suppose to have been done before taking ownership, the electricians paid copy with nothing on it but added 2 GFIC outlets, but the date was XX/XX/XXXX, several days after I signed and had already moved in. I mention this because the day I moved in the double ovens on the wall in kitchen were not working at all and still not. My realator came over with an electrician she uses to check the circuit breaker, and it was fine he said. I was told that the Ovens could be repaired and the previous owners would pay, this I denied, simply because the previios owner was not honest with me or reports on any level, so using someone that would be sent over from them to take them out and try to repair would have been a nightmare. There is no way this home was inspected for bugs or practically anything. The day I moved in I wouldn't even sleep for fear of the abundance of roaches and other small bugs all in the house, garage, attic ( which I still have not cleaned out ) This went on for days, I used bombs in the attic, garage, sprayed the outside and inside several times, sweeped up the dead and Prayed it would get better, which after about 10 days it did and a lot of bug control. This house had been a complete wreck upon move in. One wall had 2 holes and its ship lack so repairs are not easy on this, the previous owners said the owners before them had a TV there, but again why wasn't this disclosed. Also on another wall in Living room a Very large hole in wall with a cable hanging out, I do not remember the excuse on that one. But it was never told to me and it was covered, more holes smaller here and there. Master Bath a complete, not sure how to describe it, holes where attempts to cover with caulking but didn't stay, I had asked for any and all outside wood on the house to be replaced before move in. None of this was done. The relators came over when I wasn't home and walked around the home and said they didn't see anything that needed replaced, as usual you have to look closer. I was concerned that water had been dripping out of the attic down the wood under the gutter on back side above AC unit, so I asked for the work done on this Unit as well, because I had asked and it was recommended that it be cleaned. Since my dad does HVAC for a living commercially in XXXX XXXX I asked him to come over and check the AC unit in the attic. Upon doing so it was discovered that the pan under the one in the attic was all rusted out and has holes in it leading the water to drip through to secondary drip and following the path down the side of the wood from attic to outside, and this entire area was soaked and saturated with water for a while. The outside vent was bent back to allow drying if it will even get that far. The wood is soaked inside through out. how they never saw this was a complete, no words can describe how I feel. I looked at the report the AC company gave the previous owners when they had it checked out per my request. It states everything was fine and no recommendation for any repairs, all checks are ok, but they added gas to it R22. How does a professional sign off on this when it clearly was not ok, and the wood was drenched from attic to the water standing on the outside vent and dripping constantly which it now has a pipe that drips the water to the ground temporally but is not a fix, and it pours out constantly. So I could be looking at Mold or fungus if this dries out soon. Beyond the Ovens not being in working order at move in and still have not been replaced, yes I know I denied their offer to repair them simply because everything that had not been told to me or missed by the Inspector completely ad been a complete nightmare. The exterminator invoice has nothing on it but XXXX paid, and was done on XX/XX/XXXX18. Mentions a side fence that has some infestation but does not tell what, and there is a huge workshop in back yard, its all fenced in together and no inspection or anything was done on it and by looking at it inside and out it had a termite problem but nothing about treatment or anything, wasn't even told it was on a separate electrical system also billed separately. The day I was coming to move in they left this place a wreck, it was disgusting and I had asked for professional cleaning also. My mother and my realtor came over to check things out before I arrived and the realtor called din a cleaning crew to re clean the house. First I don't know how the inspector missed all the things that were wrong youd have to be blind, the ovens just happened to stop working when they moved out, not buying it. They also knew about the condition of the AC and had to know the wood was saturated and would needed to dry and treat for mold or mildew, and replacing a few pieces. As the the heating and air company should of been 100 % honest of their report and went on notice that the pan was rusted, holes, and draining by secondary drain option through a pipe that looked new, down the wood and out a vent leading outside. I paid XXXX for the house. To replace the ovens and have it installed Im looking at over XXXX plus if the repairs needed to the wiring behind them or the hook up. maybe more. The wood that has to be replaced, treated, and an AC unit that needs replaced and has a false service list. To miss everything wrong he would have had to be, well just didn't go in the attic, and it wasn't cleaned because their were weeds covering the outside unit. to replace, repair wood, and treat for Mildew or other if needed could get over XXXX that's depending if when it finally dries out there isn't any mold. They also were asked to fix the garage door, as it sometimes slams against the motor when opened, but not all times, the latch comes loose and re aligned. But of course denied anything was wrong with it and when my realtor came to look of course it did not do it, yet a couple times later slam. This is scary as if you go to close and it goes that fast and doesn't stop it could injure myself or another badly. I was told that everything had been done that was on the list, yet found out after moving in that it just wasn't so. Holes in walls is one thing, non working ovens is a little different, the previous owner said he had replaced something on them when they moved into the house, and guessed it probably went out again, so repairing it again especially at their age, with someone they would send I just cant trust that. The whole thing with the AC unit, the wood, the leak the rotted pan, and a 100 % pass by the company is far different. I can't afford to do all these repairs and pay my bills. The inspector is got to be blind or just didn't do a complete inspection, and how the building out back was missed completely is a complete, again no words. I haven't spoken with my realtor since she was here with an electrician to check the box, which he said everything was fine yet I have outlets that do not work in house. It was told that the previous owner was some sort of contractor or worked for one and he did all the electrical in the house, which you can tell it wasn't professionally done, their are barely any outlets in the house to begin with so they need to work, the outside lights are suppose to cut off and back on when something crosses them, they all stay on at night so I am having to replace them as well. I just do not understand how and it being a VA Loan all this was missed, wrote up falsely, and orjust completely skipped. I am XXXX XXXX XXXX and unemployable and this is an outrage. We go with VA loans to prevent being stabbed in the back and run all over, supposedly getting a better rate with good score, yet that didn't happen. This has been the worse nightmare ever and still going. Someone is responsible for the AC problems, the wood, repairs, the ovens not even sure how to handle that one. There has been too much dishonesty going around since I bought it and I need help. I have no idea how to handle this, and my XXXX and XXXX is really bad due to this. All these people involved did a disaster job on repairs, and overlooking the shape of things in front of them, and it makes me think if anyting was actually checked to begin with. They are in breach of contract because of the AC unit. I wanted it checked out and they agreed and the report is false. There is also the ceiling fan in Maser room, it had been hanging down and is determined that they shoved a couple pieces of wood up in the ceiling above it to try and make it stay, looking closer there is hole in ceiling around it and everything has to be repaired and replaced as well.
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| 09/06/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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My wife and I refinanced our home with XXXX XXXX in XXXX, 2019. We immediately got the paperwork completed with them to start Budget Drafting ( bi-weekly ) payments to start in XXXX. I was proactive to get this done, ASAP, so we could use the bi-weekly payment plan to pay down our loan sooner and save years of interest.
In XXXX, before the drafts started, XXXX. XXXX sold the loan to Amerihome Mortgage Company. I immediately contacted XXXX. XXXX and was told that they had passed along the Budget Drafting document and all other documents to Amerihome. I then called Amerihome to be sure they had received all the documents from XXXX. XXXX including the signed and agreed upon Budget Drafting document so we could start that month.
Budget Drafting did not start in XXXX. So, I called Amerihome again and they told me they didnt receive the document and wed need to fill out Amerihomes version of the document. We did that and faxed it back to them within a couple days. I continued to follow up with Amerihome who could not find it for a long time. Finally, they sent us a document stating theyd received it and we were setup for Budget Drafting ( see attached 061819 Budget Draft Approval Letter.pdf ).
So, XXXX and XXXX came around and no drafts came out. Again, after many conversations, next ( new first draft date ) was to come out Friday XX/XX/XXXX. Again, it did not. So, I called Amerihome on Monday XX/XX/XXXX and again on the XXXX to find out why. Since those customer support workers couldnt help resolve the issue, I went online on the Amerihome site and paid a full payment directly via the same bank savings account information Id setup there from the beginning ( see attached 071719 Amerihome Full Payment.png ).
I contacted them again to find out why Budget Drafting hadnt started. They said the reason was that even though we were totally current on the loan, that their company policy was that we had to pay an extra month in advance before Budget Drafting could begin. So, 2 days later on XX/XX/XXXX, I went online and paid an extra full {$1400.00} payment ( see attached 071919 Loan Detail ( shows Balance - before 2nd pymt ) .pdf and 071919 Loan Payment for XX/XX/XXXX get ahead so Budget Drafting starts in XXXX ( for XXXX ) .pdf ).
After that payment was posted, I went online to find that the {$1400.00} payment had not been applied 100 % to principle, even though paid in advance, and shouldve been. Instead, it was treated as a normal monthly payment ( which this was not ) where they only put the normal {$330.00} towards principle, but then kept the Escrow payments and Mortgage Insurance ( PMI ) payment totaling {$340.00} plus the {$730.00} in interest for themselves. In any type of Federally regulated Mortgage this should be illegal all by itself and prosecutable on criminal, as well as, civil charges but even worse, as ours is an FHA Mortgage, I believe they are now liable for criminal charges from the Federal government on top of that.
I called thru Amerihomes many layers of blockage to talk to a manager which I have now done many times since this excruciating process can take hours and days of continued effort to get thru to any person that can really help. One such manager I finally got thru to was XXXX ( I believe her last name is XXXX, ID : XXXX ) in Customer Service. She seemed so nice and so sincere. I told her about the problem of my extra up-front full payment not going 100 % towards principle, but instead being disseminated as small principle, then regular Escrow, PMI and interest. She looked at it and agreed that was what had been done in this case, but said that was Amerihomes company policy and theres nothing she could do about it. She did agree with me ( on recorded conversation, as Amerihome states all conversations are being recorded ) that that action was not right and disagreed w/that company policy. She gave me her location in the US, her department, her ID number ( no extension though ), and told me that I could call and ask for her directly and shed be more than happy to follow-up and help me anytime. That NEVER happened again. No matter how many times I called at later times, again thru the many layers of blockage, to reach XXXX, she would not be around, could not take my calls and would never return any calls.
Next iteration in this saga was that the next ( new first date for ) Budget Drafting was to come out Friday XX/XX/XXXX. Of course, it did not, again. I called on the XXXX and then again on Monday the XXXX and was told the reason it didnt come out on XXXX was because they had mistakenly put in the draft for {$0.00}. I was told they guaranteed theyd fix that immediately so the next draft on the XXXX would go fine. But was told that I needed to make the 9th draft amount over the phone so not to mess up going forward ( thats funny NOT ). So, I gave her permission to go ahead and draft {$700.00} ( I was rounding up ). She did that without me giving her my savings account information, since she said she already had it from my previous online payments and in the Budget Drafting info that she could see in our account.
After waiting two more business days and not seeing it show up as a draft at my bank online, I tried to follow up with XXXX to get stonewalled. I finally got thru to XXXX, at xXXXX, who works for XXXX. XXXX said she would make sure the draft was posted and told me that she would personally follow up with me on the XXXX ( next draft date ) to be sure it was completed.
Finally, on XX/XX/XXXX it showed up as a draft in our savings account ( see attached XXXX Records for 8030 Savings Account for Mortgage Drafts.png ).
So, Friday XX/XX/XXXX comes and NO draft, again. Im not shocked at this point in Amerihomes ineptness and lack of capability to accomplish normal, simple business tasks. I called XXXX, because she did NOT call me, but could only leave a voicemail for her. She did not return that call. So, on Monday the XXXX I called again, but XXXX wasnt available, so lady ( in same department ) told me that she could see that the payment had been posted on their side as of that day, so we agreed to give it a couple more days to show up on our bank.
So, on Wednesday the XXXX it had not shown up so I called back for XXXX. Even though Id jumped thru all the hoops and had given my loan #, the person told me that XXXX said she could not talk to me unless I gave my loan # and all info again so I did. So, after jumping thru many hoops giving all my info again and again and again, as I was passed from one inept worker to another, then magically XXXX nor XXXX were no longer available even though she was there to give the previous instructions to her customer support worker. XXXX nor XXXX would ever be available again.
On Friday, XX/XX/XXXX we received the attached letter XXXX Letter _ Notice.pdf stating that A payment made on your loan has not been honored by your bank. So, I went online and saw that they tried to draft against the wrong savings account actually a childs savings account ( see NSF fee in attached XXXX Shows Amerihome tried to debt the wrong Savings Account, but still had more than enough to cover the {$700.00} pymt.png ) showing the attempt by Amerihome. Even though that was the wrong account, please note that there was more than enough funds available to cover the approximate {$700.00} payment, so no excuse about insufficient funds there. Then look again at the XXXX Records for 8030 Savings Account for Mortgage Drafts.png showing that the proper savings account ( they have on record ) had more than sufficient funds in it on the XXXX also so, no excuse there either.
Then on Tuesday, XX/XX/XXXX we received the attached letter 082819 2 Page Letter.pdf from Amerihome now stating that our bank has told them the reason they could not draft was because the exact same savings account uses numerous times previously with Amerihome is now, all of a sudden, a Non-transaction account. Therefore, they terminated Budget Drafting stating Your account has been removed from our Payment Drafting Program, and the drafting information has been deleted from our system. Back to square one before XXXX XXXX.
So, now weve been cheated out of our extra payment not being applied 100 % towards principle, as it shouldve been. Bottom line Amerihome has done three things : ( 1 ) caused great aggravation and undue stress to both my wife and myself over the last 5 months ; ( 2 ) wasted over 100 hours of my time over 5 months ; and ( 3 ) stolen our money.
I looked at XXXX online to find that Amerihome has XXXX Complaints currently. When I get done it will be XXXX.
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| 12/16/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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These links has the XXXX IN XXXX XXXX created for this matter : https : XXXX? XXXX With XXXX, this COMPLAINT against the above named ENTITIES, I, XXXX XXXX ; XXXX, XXXX XXXX TO THE XXXX XXXX XXXX XXXX / XXXX enters into the records as such ; This has been an ongoing dispute and has now reach the point that GOVERNMENT AGENCIES must be notified of the actions of these CORPORATIONS, PERSONS, AND ENTITIES in regards to multiple VIOLATIONS AND BLATANT DISREGARD OF FAIR BUSINESS TRADE EVOLVING GOVERNMENTAL AGENCIES AND XXXX XXXX XXXX XXXX XXXX in ; Deceptive Trade Practices-Consumer Protection Act, DEBT COLLECTIONS ACT, MORTGAGE LENDING, TILA, SERVICING, IRS TAX CODES, TEXAS DEBT COLLECTIONS CHAPTER 392 , STATUES OF FRAUDS SEC 112.004, SECTION 112.005, SECTION 112.008 OF TEXAS PROPERTY CODE TITLE 9, UCC ARTICLE 8, NOTICE OF ADVERSE CLAIM , UCC ARTICLE 3 SECTION 3407. ALTERATION SECTION 3406. NEGLIGENCE CONTRIBUTING TO FORGED SIGNATURE OR ALTERATION OF INSTRUMENT, SECTION 3308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. SECTION 3307. NOTICE OF BREACH OF FIDUCIARY DUTY SECTION 3306. CLAIMS TO AN INSTRUMENT, Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45, 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt,, U.S.C. Title 18 2071 and 2073, U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the XXXX XXXX Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names. U.S.C. 676 - U.S. Code Title 26.
INCLUDED WITH THIS COMPLAINT, ARE EXBITS NAMED EX1 27.
SUMMARY OF EVENTS : UNDER A REQUEST FOR PROOF OF CLAIM TO XXXX XXXX, DATED XX/XX/XXXX, XX/XX/XXXX SEE EX9 AND EX9A, HER RESPONSE DATED XX/XX/XXXX, XX/XX/XXXX, SEE EX1, FROM EARLIER REQUEST DATED XX/XX/XXXX XX/XX/XXXX, REPRESENTATIVE OF AMERIHOME MORTGAGE, I WAS PRESENTED WITH DOCUMENT NAMED XXXX AS XXXX, FROM XXXX XXXX, REPRESENTATIVE OF AMERIHOME MORTGAGE, DATED XX/XX/XXXX, XX/XX/XXXX, STATING : A DEFAULT ON XX/XX/XXXX CAUSED A TRANSFER XXXX XXXX Mortgage Electronic Registration System TO XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX PLACED LOAN IN MORTGAGE-BACKED SECURITY OF XXXX XXXX AND CONVEYED RIGHTS TO XXXX FOR ALL SERVICING DECISIONS VIA A CONTRACT BETWEEN XXXX XXXX AND XXXX ; ALTHOUGH THE CLOSING DATE OF THE LOAN WAS XX/XX/XXXX ; IN XXXX XXXX XXXX XXXX TEXAS, NOT XX/XX/XXXX STATE OF KANSAS, CITY OF XXXX XXXX ; SEE XXXX, THREE DAYS ( 3DAYS ) AFTER CLOSING, PER THE CLAIM OF DEFAULT FROM AMERIHOME MORTGAGE, SEE XXXX. INADDITION SEE XXXX, FROM AMERIHOME MORTGAGE, XXXX XXXX, DATED XX/XX/XXXX STATED THAT XXXX XXXX WAS AN INVESTOR AND THAT AMERIHOME MORTGAGE WAS THE SERVICER ; RESEARCH HAS SHOWN THAT XXXX XXXX XXXX HAS BEEN DISSOLVED OR RENAMED TO ITS MOTHER COMPANY, XXXX XXXX XXXXXXXX XXXX, WHICH IS LISTED IN DOCUMENTS FROM AMERIHOME MORTGAGE SEE XXXX, ALTHOUGH AMERIHOME HAS STATED THAT FIRST HOME WAS THE ORGINATOR OF THE LOAN, AND STATED THAT XXXX XXXXXXXX XXXX WAS ALSO THE ORGINATOR AND XXXX XXXX WAS THE INVESTOR. DOCUMENTS FROM AMERIHOME MORTGAGE STATES, SEEEX8, XXXX XXXX XXXX AS ORIGINATOR, ALSO EX14 AND EX16 FROM AMERIHOME MORTGAGE XXXX XXXX XXXXXXXX XXXX AS THE ORGINATOR ; SEE EX2 DATED XX/XX/XXXX, XX/XX/XXXX, NOTICE FROM XXXX XXXX WHICH HAS XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX TRANSFERRING TXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NJ ; SEE EX3, THAT HAS AMERIHOME MORTGAGE ALSO WITH ADDRESS AS XXXX XXXX XXXXXXXX XXXX NJ, AS WELL AS XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX SEE EX4 ; XXXX TO NOTE RECEIVED FROM AMERIHOME AS DISCLOSURE, WHICH WAS NOT ATTACHED OR PRESENT WITH/TO CLOSING DOCUMENTS ON XX/XX/XXXX, SEE EX5, SENT TO XXXX FROM XXXX XXXXXXXX XXXX SEE EX21, NO XXXX TO NOTE MARKED ; XXXX TO NOTE DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXXXXXX XXXX, MONEY ORDER SIGNED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR {$370000.00}. THIS WAS SENT AS XXXX FROM AMERIHOME ; SEE EX23, THREE CLOSING DISCLOSURES DATED XX/XX/XXXX, EX 23B DATED XX/XX/XXXX PRESENT AT CLOSING, EX23C DATED XX/XX/XXXX EMAILED 65 DAYS AFTER CLOSING ON XX/XX/XXXX FOR SIGNATURE, AN ATTEMPT TO CONTRACT ; SEE EX18 AND EX20 UNLAWFUL NOTICE OF SUBSTITUTE TRUSTEE, AND NON JUDICIAL FORECLOSURE SALE ON XX/XX/XXXX FROM XXXX XXXX XXXX, NAMING THEMSELVES XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) SUBSTITUTE TRUSTEE, NAMING AMERIHOME AS SERVICER, MORTAGAGEE, AND CLIENT, NAMING XXXX AS ORIGINAL MORTGAGEE WITHOUT XXXX. XXXX WAS ONLY A NOMONIEE, SEE EX18A PAGE TWO NAMING AMERIHOME AS GRANTOR TO SOMETHING ; THERE HAS BEEN NO DOCUMENTATION, NO NOTICES FROM THE ORGINAL TRUSTEE XXXX XXXX XXXX XXXX ONLY NOTICE IS ENCLOSED ; NOTICE OF ACCELERATED MATURITY AND NOTE OF NON JUDICIAL FORECLOSURE DATED XX/XX/XXXX DELIVERED XX/XX/XXXX, FROM XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX, CC TO XXXX XXXX XXXX XXXX XXXX XXXX ALSO STATES THAT XXXX XXXX IS ONLY LICENSED TO PRACTICE LAW IN STATE OF MASSACHUSETTS AND RHODE ISLAND. EX20A IS PAGE TWO. AS PER THE CLOSURE DISCLOSURE STATES THAT THER IS NO DEMAND FEATURE ; SEE EX15 LETTER FROM AMERIHOME STATING XXXX IS SUBSERVICER FOR XXXX, HAS NOT STATED RELATION TO AMERIHOME, TRANSFERRED TO AMERIHOME FROM XXXX, AND XXXX IS SUBSERVICER TO XXXX, XXXX HAS NO STANDING WHATSOEVER YET THEY ARE NAMED BY XXXX XXXX XXXX ; SEE EX12 AMERIHOME NOTICE OF DELAYED DISCOVERY DATED RECEIVED XX/XX/XXXX ; SEE EX26A-D FILED WITH COUNTY OF XXXX TEXAS XXXX NOTICE OF ADVERSE CLAIM, HAS BEEN SENT TO ALL PARTIES HEREIN MENTIONED ; SEE EX7 INITIAL ESCROW STATEMENT SHOWING DATE CLOSING XX/XX/XXXX AND FIRST PAYMENT DUE XX/XX/XXXX TO XXXX XXXX XXXX XXXX PREPAYMENT MADE XX/XX/XXXX FROM XXXX XXXX XXXX XXXX HOWEVER SEE EX21 TRANSFER TO XXXX WAS ACCORDING TO XXXX TO NOTE XX/XX/XXXX, ALSO SEE EX23B DATED XX/XX/XXXX EMAILED 65 DAYS AFTER CLOSING, FROM XXXX XXXX XXXX XXXX AND AFTER NOTICE FROM XXXX, SEE EX27 FROM XXXX XXXX XXXX, NOTICE OF TRANSFER DATED XX/XX/XXXX, SEE EX2 DATED XX/XX/XXXX, XX/XX/XXXX, NOTICE FROM XXXX XXXX WHICH HAS XXXXXXXX XXXX XXXX XXXX XXXX TRANSFER ; SEE EX19 COMPLAINT TO SHERIFF, XXXX XXXX DEPARTMENT , FILE NUMBER XXXX DATED XX/XX/XXXX ; Parties named : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ORIGINATOR XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX. XXXX XXXX Corporate XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX : XXXX XXXX CALIFORNIA XXXX Code : XXXX AmeriHome Mortgage Company XXXX LLC- XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- STATED AS Nominee BENEFICIARY TO THE DEED OF TRUST, SELECTED BY FIRST HOME BANK AND TRUSTEE, ABOVE-REFERENCED.
Service of Process that does not require a signature should be sent to : XXXX XXXX XXXX XXXX, MI XXXX ; Service of Process requiring a signature should be sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my home a few months back and the loan was bought up by Amerihome Mortgage I set up my bank info on their website, get the first payment made, and then go to set up auto draft. They way their system is set up you can *only* auto draft from an account that matches your name, if you want to auto draft from an account that does not match your name, you have to mail in a voided check. I have a different bank account for house expenses for accounting purposes. I send in a voided check, the new account shows up in the website, I switch the auto draft over to the new account and go on my merry way.
The auto draft fails. I happen to check back on the site later and I see that I'm late, so I call in to see what's going on, the Amerihome Mortgage phone rep tells me payments are not working and they can not help that I'll have to call my bank. I figure, this is more headache than it's worth, I switch auto draft back to the first account, confirm with the Amerihome Mortgage phone rep that it looks right, make a manual payment and go on my merry way. The Amerihome Mortgage website reported that a payment had been made. Next month the auto draft fails again ( this is the account that it was working on before, and that I'd been making manual payments from ). I don't notice for a few weeks, so of course loan then went unpaid and I was unaware of this. The loan fell two payments behind, I happened to look on the site, and saw that the auto draft was seemingly not working. Calling them does not seem to help so I figure I'll give up on auto draft and just make manual payments every month. It's super annoying, but it's not like you can argue the bank that owns your house. So I make a manual payment from the account with my name.
I get an email from Amerihome confirming that I paid.
Just to be sure though I then contacted their support on the Amerihome Mortgage website ( amerihome.loanadministration.com ), and they tell me : Amerihome chat support rep : Thank you for your recent email regarding your loan payments. This message is to inform you that your XX/XX/2020 payment was posted on XX/XX/2020.
Thank you for providing us with the opportunity to assist you.
Sincerely, XXXX XXXX E-mail Support Representative Unsurprisingly the payment gets reversed in the next day or so, but I don't notice for a week. When I call in to find out what's going on, I then learn that my account has been locked and for the next year I have to send in a wire or certified funds ( cashiers check or money order ). This is annoying, but it's my own fault for trusting these guys. So I call in, confirm I can wire them funds through XXXX XXXX ask what I need to know ( apparently there is a code ) get the XXXX XXXX code XXXX drive to XXXX XXXX, and the XXXX XXXX cashier can not find Amerihome Mortgage in the list of companies. I called Amerihome Mortgage from XXXX XXXX, eventually get through ( all they want to talk to me about is how to go into foreclosure, I explain that I don't want to go into foreclosure I just want to pay them ) they tell me that they stopped supporting XXXX XXXX today. I ask how I can pay. Since I can not wire to their bank account directly and I can't wire through XXXX XXXX or XXXX. They inform me that only remaining way to pay is to send them certified funds, but am I *sure* that I don't want to talk to someone about going into foreclosure? I explain again that I just want to pay them.
So I overnight fedex a money order in. Track it and it arrived yesterday morning. I call in to confirm that they got the money order. All they want to talk about is my foreclosure options, eventually we get through the whole thing and they tell me the money order will show up in my account that afternoon. I check the next afternoon and it has not appeared on the site. I check the next morning and it has not appeared on the site. I call in ( and go through the whole " Did you know you owe us money? Do you want to talk to someone about your foreclosure options? '' ) so I explain the whole thing again and I'm assured that it will post this afternoon.
The representative asks if I need anything else, I let her know that I'm doing everything that I can to pay them, but it is seemingly impossible. She tells me that I should call back since the website is untrustworthy and she has no idea what I can do and that she's terribly sorry.
I'm concerned that at this point I have literally *no* avenue to pay them that they will accept. All I want to do is give them money and I they seemingly will not let me *and they keep pushing foreclosure*. This seems predatory to me. I'm scared that they are going to take my house and that there's nothing I can do about it.
Throughout the entirely of this timeline my bank account has had in between 10 and 20 thousand dollars.
Timeline : XX/XX/XXXX XXXX Called from home and authed in, told XXXX I was trying to pay and explained the ACH issues. She told me that I needed to drive to a XXXX XXXX office and wire the money to them. I asked her what information I needed, she told me " rock '' I said, I have that information, but don't I need something else, she said " take everything you have '', which is an incredibly unhelpful answer. I drive to XXXX XXXX and go to send the wire, they ask me for the company name and she can't find it in the system. I step aside to let other customers through and call back in wait through the hour hold time and get to talk to someone, I explain the situation and this guy asks if I want to keep the house ( he asked it like 5 times ). Finally he lets me know that they stopped supporting XXXX XXXX today ( but do I still want the house? ). SO I ask how I can pay them. He tells me to send certified funds to , but before I do that, do I want to talk about how to go into foreclosure? ( there must be some bonus for this they *all* ask me about it ) XX/XX/XXXX First lady ( super nice XXXX XXXX Second Lady ( XXXX attitude dropped the call ) XXXX First lady called second lady, second lady asked all the authentication questions, then asked why I had called, at which point I explained that I had been talking to first lady because I'm trying to pay them, and did I get transferred by accident? First lady is apparently still on the call, she speaks up and says that my account looks all messed up to her and what's the problem?
Second lady asks me why I'm having trouble paying and if I intend to stay in the home, I say yes I intend to keep the home it's just that you won't let me pay you.
Second lady hangs up.
First lady *assures* me that the payment will post this afternoon.
XX/XX/XXXX XXXX MST, the payment has not posted ( by the data on the website ) Call in, get XXXX, the payment has not posted for them either, she has me read her the tracking number and the address and confirms that those are correct.
She tells me that she is CONFIDENT that it will be posted today. I explained the story she let me know that there's nothing she can do, and that I can check on the site.
Or that perhaps I would prefer to call back in. I told her that I didn't trust the site since it's been so inaccurate. She said that's expected given my experience.
She asked if I needed anything else and I let her know that I don't currently have any other options besides foreclosure if they won't let me pay them. That I've followed everything they have asked me to do and they still won't accept payment.
She commiserated and told me " I have no words '' and wished be good luck.
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| 09/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX, we were informed by XXXX XXXX that our mortgage have been sold on XX/XX/XXXX to Amerihome mortgage company , LLC ( AmeriHome ) ..
On XX/XX/XXXX, AmeriHome send us notification that they had indeed purchased our note.
AmeriHome bought our note and is now servicing our loan. When we first took out the original loan, we set up arrangements to pay {$750.00} twice a month. And we paid the first {$600.00} before the first payment was ever due and the next at first of the month, so it should " Never Be Late. '' Note : Our monthly payment is {$1400.00} a month. As you can see {$1500.00} we pay exceeds this amount. Amerihome was holding onto our first payment until the second comes in and then applies it. Our first complaint is that we feel cheated, because they are holding onto that first payment without applying it. Their excuse is that it is policy, but they purchased our note, and thus should have to follow the way we originally had payments set up, as we took great pains to set the payments up. Eventually, they sold our note to XXXX XXXX.
Although we have made regular payments {$750.00} on our note, AmeriHome sent us a plethora of debt collection and delinquency letters on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( request for payment ) - XX/XX/XXXX ( delinquency notice ) XX/XX/XXXX With XXXX XXXX XXXX XXXX, who we pay our bills through, on the telephone I called AmeriHome on or about XX/XX/XXXX. Their rep stated and That I had not made payments. At this point the representative from the XXXX XXXX XXXX chimed in and stated he was wrong. She stated that the XXXX and XXXX payment had been made, the specific date they were set out and that they had in fact been received by the mortgage company. Amerihomes rep payments have been placed on hold asked some of them have been sit back to me. This is a far cry Front pages having never been made and I was unaware, at this time, that any payments have been sent back. We have to jump through a lot of hoops wait for the check to coat is while at the same time send me a separate check the cover the mortgage and praying that AmeriHome was telling the truth about sending the payment back, so we were not in a position but have a nearly {$3000.00} Worth of checks to cash at what time 41 {$140000.00} payment. This type of abuse went on and on. New line XXXX in XXXX the Department of Veterans Affairs rated me essay XXXX XXXX XXXX veteran and I sent tax documents to the mortgage company, in early XX/XX/XXXX, so they was stop taking tax payments via escrow. This proved to be a tremendous chore. In XXXX I followed up on my initial inquiry by sending the following email.
Hello, Earlier this month, we faxed a copy of our tax bill to your company - specifically : 1 XXXX XXXX XXXX, TX XXXX Fax : XXXX We informed AmeriHome, I was a XXXX XXXX XXXX veteran and in Texas - XXXX XXXX XXXX vets are exempt from ALL property tax. Included in the fax was a copy of my VA Letter.
However, a couple of weeks has past and weve not heard anything about refunding the taxes, paid into escrow, back to us. Instead, weve been told AmeriHome is planning to pay taxes up through the 2nd week of XXXX. We need AmeriHome to : 1. Update its records regarding our tax exemption 2. Immediately refund us the taxes youve collected and are holding in Escrow ; in that, the taxes are no longer due and our household isn 100 % exempt.
3. Adjust our mortgage payment to reflect payments ; which do not have property taxes as part of the makeup of the payments. This needs to be done without delay ; since payment is due XX/XX/XXXX.
Please note, this is our second attempt at collecting our property taxes back from AmeriHome Mortgage.
Also, please confirm you have received this email.
If you have questions, please let us know, XXXX XXXX XXXX XXXX And finally I received the following on XX/XX/XXXX : Dear XXXX XXXX,, Thank you for your recent inquiry regarding your escrow.
Our records indicate that your escrow account was reanalyzed on XX/XX/XXXX. Any overage in escrow will be mailed to you. Your new payment will be effective XX/XX/XXXX in the amount of {$1000.00}.
If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat or send a secure message by selecting Ask a Question.
Thank you for giving us an opportunity to be of service to you.
Sincerely, XXXX XXXX E-mail Support Representative I responded, via email, with the following on XX/XX/XXXX : Good morning, We appreciate your reply to our last email.
If I understand your email correctly, we are still going to be collecting tax money for the month of XXXX and XXXX as part of our payment? This absolutely makes no sense and you provided nothing in your email that provides a reasonable explanation for why are you deem it necessary to have a payment made in excess of that which is required for the mortgage and insurance. This seems on its face unlawful and illegal, because you are receiving monies for which you are not due.
If it appears that we are upset, we are. We did not ask you your company to acquire our mortgage, but since the day you acquired our mortgage we have been nothing but abused and bullied by your company. Your company has mandated payment policies on us as if they were contractual ; which theyre not. Therefore we do not have a high level of trust regarding your company.
Since the very beginning when we made our first payment ; your people treated us as if we were deadbeat debtors. We have a recording where your people stated we hadnt made a payment, but we had our bank online which not only told yall we had made the payment but when you received it. And your company still accused us of not making a payment. So we do not have a high level of trust regarding anything that you do. Therefore you will need to explain to us your rationale for both the XXXX and XXXX payments, so that it is crystal clear.
So we are demanding that you explain yourself as to why are you require extra payments for XXXX and XXXX as it appears you are collecting monies not due you and doing so by mail.
Additionally we want a complete breakdown from our first payment to present date. ; where youve applied the monies for each and every payment we have made thus far to present date. We also wish to have a detailed accounting of the money in escrow from beginning to present date. And we would like that ASAP.
And please note, we are borderline on going to the consumer finance protection bureau, due to what we perceive to be abuses by your company against us. And frankly were tired of it. This is not a threat, but rather at outcry of extreme frustration at the poor customer service and abuses that that some of your employees have bestowed upon us.
Sincerely, XXXX We have yet to receive the requested : 1. Rationale, to our satisfaction, for AmeriHome to request extra payments of us for XX/XX/XXXX and XX/XX/XXXX.
2. The complete breakdown of how our payments have been applied from our first payment through XX/XX/XXXX 3. A detailed account/break down of payments made out of escrow to insurance & taxes to our satisfaction.
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| 06/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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I requested the option to complete a partial claims process on XX/XX/XXXX with Amerihome, for exiting the forbearance plan I was encouraged to go on by XXXX XXXX XXXX XXXX. I was told over the phone by an Amerihome agent it was submitted and I could expect to receive the required paperwork to file accordingly on my end within 7-10 business days. After waiting for more than 10 business days, I never received the requested paper work as promised. I called back again, and spoke with an Amerihome agent who confirmed notes on my account this was attempted ; however, the Amerihome agent informed me the prior agent did not process the request properly in Amerihome 's administrative processes. Again the Amerihome agent assured me the partial claims request was properly submitted and to expect delivery of the required paperwork for me to fill out within 7-10 business days. After waiting for more than an additional 10 business days, I called Amerihome back to inquire on the status and was informed the account was submitted to foreclosure processessing and the Amerihome agent was not at liberty to discuss further details and recommended I reach out to XXXX XXXX XXXX XXXX. It is important to note, I have not received anything via mail, email, or phone call notifying me of this acount status change at the time. The only way I was informed was by means of my actions to follow up on the status of the partial claims process Amerihome assured me was submitted on their end. To date, I have not been informed of the status of the partial claims process I requested to bring my loan current from forbearance. I contacted XXXX XXXX XXXX and they are unable to provide me with a payoff amount, as they have not received all the required information to further review this case Amerihome has referred to them and XXXX XXXX XXXX recommended I reach back out to Amerihome to request this information. On XX/XX/XXXX I called Amerihome for the XXXX attempt to check on the status of the Partial Claim, and was told there is no record of a partial claims request submittal in Amerihomes records. This is in error, and is not the same information provided to me over the phone on prior attempts to check on the status of the partial claims request. During this phone call with XXXX XXXX, she assured me the " package '' was sent today and would arrive within 7-10 business days. I requested the information to be emailed to me, and was told the " package '' is too big to email. I asked to have the package uploaded to a share file of some sort, and send me a link to download and was told this is not possible for Amerihome. Alternatively, XXXX XXXX said I could login to my account and download the package. On XX/XX/XXXX I attempted to log into my online account to download the " package '' and was only provided at screen to contact support and my account status is limiting access to additional information. I asked XXXX XXXX for clarification on the contents of the " package '' being shipped to me, and XXXX XXXX assured me it included the partial claims process paperwork I'm entitled to under the CARES Act to bring my morgage current and out of forebearance, in addition to further Loss Mitigation Options associated with the process of foreclosure. Additionally, during a phone call with Amerihome on XX/XX/XXXX I was informed I did receive the " package '' and Amerihome provided me with a FedEx tracking number XXXX. The Amerihome agent claimed it is there evidence I received it. When I looked up this trackin gnumber, it is in reference to a package delivered to my home address on XX/XX/XXXX. This is another error in AmeriHome 's records, as this is the partial claims package I received from XXXX when I filed a partial claims request with them, only later to find out my mortgage was taken over by Amerihome shortly thereafter. Hence now my numerous attempts to reach out to Amerihome and start the process of a partial claims, which as ultimately moved to foreclosure processing in error.
In summary - my mortgage was with XXXX XXXX XXXX XXXX when I originally requested a partial claims. They sent out the paperwork for me to fill out, and I did. However, as soon as I was about to receive the required notary signatures and get it back to XXXX in a timely fashion- I received a letter from Amerihome and the mortgage was sold to them. So I reached out to Amerihome and the series of events is described above in my requests/ discussions with them.
It was not until I filed a complaint on XXXX detailing the issues I was having, then I was contacted by XXXX XXXX who is their " Manager, Customer Experience '' from the office of their president. She apologized for the misunderstanding and confusion Amerihome caused during my attempts to resolve this and assured me she would personally assist in resolving this. After she had a chance to review everything and listen to recorded conversations, it became clear where the confusion was. Apparently both Amerihome and XXXX XXXX XXXX XXXX use the same servicer. Therefore, Amerihome could have accepted the partial claims XXXX XXXX XXXX XXXX XXXX sent to me. However, this was not clear to me at all - particularly since the Partial Claims Paperwork was labeled and for XXXX XXXX XXXX XXXX. Since Amerihome uses the same servicer, Amerihome considered my Partial Claims paperwork late and I can no longer file it.
After XXXX XXXX explained all this to me, she asked for me to send in the XXXX XXXX XXXX XXXX XXXX Claims Paperwork to Amerihome. I did, with the original dates and notary I still had on it from when I received it towards the end of XXXX. This has been with Amerihome for several months now, and I am being told it is still in Underwriting Review and XXXX XXXX is sending me paperwork to complete their normal process for avoiding a foreclosure - rather than what I am legally entitled to file a Partial Claims under the Cares Act. I've attached the email correspondence for your review.
I own several properties and have been successful without any issues completing the partial claims process and have no issues being current on those mortgages, so I know with 100 % certainty it is not due to my financial well being as to why Amerihome can not process. I also make more money now, than I did before I was experiencing financial hardship during COVID.
I have retained legal counsel to assist me, and I have been reassured this is not a problem with me. Amerihome has had numerous instances of miscommunication with me, due to their errors/ lies they are now saying I'm late on submitting partial claim paperwork with them. This has been going on for months, where I am being told by XXXX XXXX my account is not in an active foreclosure- yet I continually get delinquency calls from Amerihome 's collection department saying my account is in active foreclosure. Every time they've called, I've offered to make a monthly payment and they refuse to let me do so. I've also asked to review the account notes and there is no mention of XXXX XXXX and her attempts to resolve this internally within Amerihome.
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| 05/14/2018 |
Yes |
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- Trouble during payment process
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Web |
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We have a mortgage with Amerihome Mortgage Company , LLC. that has been in good standing since its inception date in XX/XX/XXXX.
We logged into the online account on Sunday XX/XX/XXXX to pay mortgage on time in full ( {$1200.00} ). After logging in, we discovered that the payment had jumped to {$1400.00}! Now this is nearly {$200.00} more than what we have been paying! This may not seem horrible to some but we are on a tight budget and we had not received what would be considered proper prior notice : 30 days written notice in US Mail. Our notifications were supposed to be coming monthly in the US Mail. Even a phone call would have been better than nothing!
Amerihomes online payment portal consists of an interface that allows you to make 1-9 payments of the required amount for that month. Before you can enter a manual amount, you must fulfill the obligation for that month. If the amount is disputed one must call into customer service. The hours are M-F XXXX XXXX-XXXX XXXX ET Saturday XXXX XXXX-XXXX XXXX ET. We decided to call in first thing on Monday XX/XX/XXXX to resolve the issue.
We called on Monday XX/XX/XXXX at XXXX and we were told we needed to speak to a loan counselor. They put us on the callback list and assured us no problem our inquiry would be resolved as soon as possible, to wait on payment, and that any late fees would be waived. Somehow our account had gotten signed up for e-notices but something like a change of payment should have been sent in the mail.
There was no callback on Tuesday XX/XX/XXXX so my wife wrote an email outlining the issue.
There was no callback or response to the email on Wednesday XX/XX/XXXX so my wife got on the website and initiated an online chat. She was advised to call in to customer service and also found out that they had put a callback date of XX/XX/XXXX in the notes! Not exactly what we would consider prompt since we didnt want our payment to be late.
I am the mortgagee so Amerihome will only speak to me over the phone. We have to go through some long and involved process to get my wife setup so she can talk to them over the phone. I was supposed to have been sent the paperwork for this but I have yet to see it. Then we must mail it in to submit it.
I work during the week all different hours and so it is very difficult for me to call them up, wait on hold for long periods, then talk to someone new who has no idea what is going on as the notes are not being updated, and told to call back to a different department and start the process all over again.
I was unable to call back until Saturday XX/XX/XXXX at XXXX XXXX. I spoke to a XXXX XXXX in the customer service department. After explaining the situation, she was very helpful and said the best thing for us to do would be to mail them a check of {$1300.00} XXXX which was the new payment amount minus the escrow shortage ) within the next week so they could process it before XXXX. She also said she was going to push the escrow shortage payments from XXXX to XXXX as first due date and rather than spreading the shortage over twelve months she was going to spread it over twenty-four months. Our new payment would be {$1300.00} monthly starting in XXXX. The late payment fee of {$32.00} was waived. She said after mailing the check they would take care of the rest and we should be good to make our new payment of {$1300.00} in XXXX on the online payment portal.
The mortgage check {$1300.00} was written and put in the US mail at a USPS branch on XX/XX/XXXX. We awaited the payment update on their online portal so we could prep to pay XXXX when it came due.
We heard nothing from XXXX until Friday XXXX. I was unable to pickup the line as I was working late.
I called them on Monday XXXX at XXXX XXXX and spoke with someone named XXXX. I was basically threatened by their collections department that there would be reports sent to the credit bureaus and action taken against my home as the mortgage had not been paid for XXXX and XXXX. I informed them that I had just been on the phone a few weeks before and had also mailed a check up to their Payment Processing P.O. Box in New Jersey. They claimed there was no arrangement as arrangements must be made a month in advance, there were no notes on the account, they wanted the full {$1400.00}, and they never received the check. So I told them the specifics of the check and where I mailed it to. I explained that I did not believe they had lost a check that had been mailed directly from a USPS branch to a USPS branch P.O. box. I voiced my concerns that they would force me to make a payment online and then suddenly find the check and cash it for another payment and bounce my account. So, they advised me that as they had lost the check I needed to put a stop payment on the check with my bank and assured me that if they found the check that they would NOT process it. I would then be free to make a payment for the full {$1400.00} online they would accept nothing less.
I placed a stop payment on the check on XXXX and confirmed it with my bank. I was charged a {$10.00} fee to do this. I wisely decided to wait a day or two to make sure they did not process the check and bounce my account. Low and behold, on XXXX I checked my account on Amerihomes website in the afternoon and they had updated payment {$1300.00} received and accepted ( after telling me it wouldnt be ) and {$1300.00} due for XXXX. I had a stop payment on that check, however! I was not happy as I know they would try to charge me a bad check fee when it didnt go through so I called my bank to see if I could delete the stop payment request over the phone. They informed me I could only do it in person but the branches were closed for the evening.
I went first thing in the morning on XX/XX/XXXX and deleted the stop payment order on the check.
I had a very busy work week so I was unable to call nor did we hear anything more from Amerihome until XX/XX/XXXX. They reversed the payment posting back to XXXX and {$1400.00} plus a late fee of {$32.00} tacked on top of it. I had requested back in XXXX to shut off e-notices that I wanted phone calls and written notices by US Mail only but I seem to keep receiving these e-notices. I got a letter online stating that the bank had not accepted the check and that Amerihome would charge us any applicable fees as allowed by law.
So, here it is XX/XX/XXXX and my XXXX mortgage payment has still not been received and my XXXX payment will be late in a few days. I have a demand letter from Amerihome that I furnish them the payments by XX/XX/XXXX or they are threatening legal action on my home. All over failed communication between their customer service and collections departments over an escrow shortage!!! I am incredibly frustrated over all the time, energy, and money this has wasted and I am concerned about the security of my mortgage and home.
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| 12/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear Sir/Madam : I write to request your assistance in resolving a billing dispute that I am having with my mortgage servicer, Amerihome Mortgage. My previous phone and written attempts ( which included documentation of the harm they caused me ) to resolve this dispute with them have been unsuccessful. I feel like they are stonewalling me because they think they can get away with it.
The facts of this matter are as follows. On XXXX XXXX, XXXX, I used Amerihomes automated payment system to pay my XXXX bill with a payment from my credit union account where I had sufficient funds to pay the bill. I received a confirmation number from Amerihomes system indicating that the payment had gone through. I found out later that Amerihome incorrectly billed my XXXX XXXX account, even though I had put in the routing number and account number for my personal credit union account. Not only that but Amerihome billed the incorrect account not once but twice without telling me it had done so. That caused me to sustain late fees and a bad check fee of {$20.00} from Amerihome on XXXX XXXX due to their billing error. I also sustained two NSF charges from the bank where I have my XXXX XXXX account totaling {$66.00}.
I called Amerihomes customer service department to try to resolve this on XXXX XXXX, XXXX and the first representative was unable to help me. I then asked to speak to a supervisor and was passed on to a XXXX named XXXX, who also identified himself as an XXXX XXXX. I told him that I had made a payment to their automated payment system on XXXX XXXX to be made from my personal credit union checking account had received a confirmation number and later found out that his company had billed the wrong account. I told him that it appeared to me to be a systemic problem at his end. He then made the breathtaking claim to me that their billing system can not save bank account numbers. I have found that statement to be not true. Indeed, what occurred in XXXX and XXXX appears to have happened because Amerihomes system defaulted to the financial institution that I had made payment from the prior month - that which XXXX falsely said was not possible. This same thing also happened with the XXXX incident less than six months later. He also told me that his companys records showed that my payment was billed to my XXXX XXXX account which is the problem since I had specifically designated payment to come from my personal credit union account. I asked him in light of the error by his company to waive all of the late fees and notify the credit agencies that this late payment was due to his companys error. XXXX refused to do so. I then asked to speak to someone else in management. He told me that someone would call me back within 24 hours. No one from Amerihome ever called me back on this matter. So, I felt even back then like Amerihome was stonewalling on this issue because they did not want to accept financial responsibility for their billing error. I sustained hard financial damages of {$220.00} from the XXXX billing error that was caused by Amerihome and damage to my credit rating.
This same problem repeated itself in the XXXX timeframe. As a result I called Amerihome on XXXX XXXX, XXXX and spoke to a XXXX XXXX about this second instance of incorrect billing by her company. At that time she admitted to me that Amerihome had charged the wrong account for my twin payments on XXXX XXXX and again on XXXX XXXX. She agreed that Amerihome would credit back all of the late fees I was assessed for this error. I sent her a letter on XXXX XXXX, XXXX listing all of the late fees I was assessed by my bank and credit union for their errors. A copy of that letter is attached. I sustained {$230.00} in financial damages from the XXXX billing error by Amerihome and damage to my credit rating. At this same time one of my credit cards sharply cut my credit limit. I believe this was due to Amerihome wrongly reporting me as a month late on my mortgage due to their billing error.
In response to my XXXX XXXX letter I received a computer generated form letter from Amerihome dated XXXX XXXX, XXXX, but postmarked XXXX XXXX that only said they had reported to the credit reporting agencies that my XXXX payment was not late. It did not mention my XXXX payment or even address the damages that I had documented in my XXXX XXXX letter that their error had caused me. In other words, they took an approach evasion and stonewalling.
I wrote back to Amerihome on XXXX XXXX telling them that they had substantially not solved this problem to my satisfaction. A copy of that letter is attached.
On XXXX XXXX, XXXX a XXXX XXXX of XXXX wrote to me. She falsely claimed that, the dispute did not contain details about late fees and other charges applied to the account. This is despite the fact that the XXXX XXXX letter I sent to Amerihome, as you can can see from the attachment did have such details. The original letter also had documentation of the expenses I had incurred due to their billing errors.
XXXX XXXX in her letter to me said that she had forwarded ( your ) request to the appropriate department for further review. In the three months since XXXX XXXX wrote to me I have received no further communication from her or from the appropriate department regarding my claims concerning the XXXX wrong billing incident or for reimbursement of the expenses I incurred from my bank and credit union due to their billing errors. It clearly appears that Amerihome is stonewalling me to hope that I give up and they dont have to reimburse me for the cost to me of their billing errors in XXXX and XXXX XXXX.
I am writing for your help to convince Amerihome to do the right thing and implement the following remedies for the consequences of their billing errors : 1. Amerihome to pay me of {$450.00}, plus interest for actual financial damages I sustained from Amerihome 's two mortgage billing errors where they attempted to draw funds from the wrong accounts concerning my XXXX and XXXX mortgage payements. Details of how this was calculated are included in my XXXX XXXX letter to Amerihome.
2. Amerihome to provide me with clear documentary proof that they notified all of the national credit reporting agencies that my XXXX and XXXX payments were not late.
3. Amerihome to provide a letter each to my credit union ( XXXX XXXX XXXX XXXX XXXX ) and my XXXX XXXX bank ( XXXX XXXX ) with copies to me that the overdrafts and bad check events resulted from their billing errors.
XXXX. That Amerihome provide proof that they have a realistic corrective action plan being implemented to prevent these billing mistakes from occurring to anyone else in the future.
Sincerely, XXXX XXXX XXXX XXXX XXXX.
XXXX, CT XXXX XXXX : XXXXXXXXXXXX XXXX : XXXX
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| 07/11/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XX/XX/XXXX, my wife and I purchased our 1st home in XXXX XXXX, California. This was my very first mortgage and being a United States XXXX XXXX Veteran of XXXX and XXXX rated with a XXXX XXXX XXXX due to XXXX XXXX, I was told about the Tax Exemption for Veterans in California who are XXXX. I requested this document from California after I submitted all my paperwork stating that I am XXXX XXXX XXXX and in return I was given a certificate which was to be given to my loan servicer, Amerihome. I had no knowledge of how this exemption worked, except that, exemption means you pay nothing. I believe Amerihome was under the same impression because after I sent them my certificate, they no longer collected taxes from my mortgage. At the time it seemed like a blessing until the winter of XX/XX/XXXX and into spring XX/XX/XXXX when the state of California was demanding their payment for taxes. In the spring of XX/XX/XXXX, I reached out to Amerihome to see if there were any programs or anything they could do to help me in this situation so that I didn't have to skip a mortgage payment ( s ) in order to pay a tax bill that was XXXX. No help or advice was given so my wife and I decided to skip a month mortgage in XX/XX/XXXX to pay down the Tax bill. At the sometime, I just graduated my XXXX degree from XXXX in XX/XX/XXXX and unexpectedly lost XXXX a month that was supposed to be extended an extra 2 months while looking for work from the Chapter XXXX Vocational Rehabilitation program offered by the VA. However, VA did not explain that one must request for an additional two months of educational stipends, it is not automatically enrolled by the VA. That error in my calculations and life caused me great grief because Now my family and I are down XXXX a month and a XXXX tax bill. I was consistent with asking Amerihome what options did I have and was told by their monthly literature as well as customer service representatives that they had programs either to repay slowly or modify my current home loan. Then, when things could not get any worse, my grandmother whom raised me became very I'll with XXXX that required my assistance throughout XX/XX/XXXX and XX/XX/XXXX, and all the way through XX/XX/XXXX as her primary care taker. I was able to make a payment or two over the summer in XX/XX/XXXX but me living in XXXX XXXX and XXXX in XXXX XXXX, I found myself taking multiple leave days away from my XXXX XXXX job and taking leave without pay for XX/XX/XXXX and XX/XX/XXXX. I finally, at the end of XX/XX/XXXX and early XX/XX/XXXX applied for any programs that Amerihome had available that I would qualify for. Keep in mind, now I am the XXXX XXXX who now has his grandma in XXXX XXXX living in my house as my wife and I care for her XXXX. I am still working for the XXXX but frequently taking days off to care for my ailing grandmother. I sent in all my pay stubs, doctor notes, and everything else Amerihome asked for as they decided on if they could help with my past monies owed to them. In this malay, Amerihome paid my outstanding tax bill and now that is factored into what I owe them. After numerous files, papers, hardship letters, and other pertinent papers were faxed to Amerihome, they never called to ask for additional papers or questions but rather sent a letter stating that they needed another copy of a paper I had already sent. Finally, they denied my loss mitigation claim due to not enough evidence sent which was not true. I sent every form asked for and then some. Round two, I apply again and the same thing continues on their part. I never heard back from them and only to find out that they only communicate via mail in the loss mitigation department, customer service could never give me any insight into what was the matter. The second time they denied me to the same reason as the first, unsupported documents!?!!? Now, it is XX/XX/XXXX and customer service at Amerihome said they could not accept any payments unless it was the lump sum which now was Almost XXXX. I then take my last resource which was keep your home California. They were very communicatve and timely however, I was denied a loan modification through them because they said Amerihome did not want to work out a deal. Now, I am without a job because care taking for my grandmother forced me to resign in XX/XX/XXXX. I had to place her in a facility XX/XX/XXXX because I was afraid of foreclosure. I am now with money monthly. I have requested a 3rd loan modification with Amerihome and awaiting their decision however ; they have started the foreclosure process but no sale date. I never went without any monies throughout this last year, only lost more than what we planned due to family illness. I receive XXXX from my VA XXXX, XXXX from Social security XXXX and my wife receives XXXX for educational benefits through chapter XXXX from the VA. We make enough for a loan modification but we feel we have not been given any chance for this to happen. I still have every document faced from last summer and this could have easily been avoided by Amerihome but I feel we were not given a chance from the very beginning. Our situation was life, it wasn't due to us partying and blowing our money. We were forced to adjust to care for the ones who cared for us as children. I feel Amerihome did not take any of that into mind or even gave us alternatives or even a phone call. We just want a second chance to make things right now that we are back in the position to make more and more money. Please please help, California is horrifying to try and find suitable housing. I do want to accept blame as well in this matter, never have I should of expected automatic replies or calls to help me for a situation I found myself in. I take a well lesson learned and I believe if given another opportunity with XXXX 's mercy, my family and I shall repay our indebtedness. I also want to make this clear, Amerihome has been very pleasant and professional when on the phone and with allowing the mortgage get this car unpaid. However ; I am very dissatisfied with my multiple previous attempts with trying to find a solution with their loss mitigation section. I read their literature and listen to customer service continuously stating ; " we want to help, there are programs for you, We want you to stay in your home ''. It reminds me of when I was getting out of the XXXX and every corporation was all about hiring Veterans, true, but only as XXXX. I feel they never gave my multiple packages a look or chance and being told no payments unless it's the whole payment has put me deeper than I should have been. Thank you and Semper Fi!
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| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, I am coming out of COVID-19 Forbearance ( XXXX Loan Number : XXXX ) and chose the loan modification option as that was the option that was best suited for me as I had a 7/1 ARM maturing at 7-years soon and wanted to take advantage of the low-interest rate and lock in a fixed interest rate. Originally, I wanted to do the deferral option, but the representative at XXXX talked me into the loan modification option, which I agree, was a better choice, given the current low-interest rates.
Upon approval of the loan modification option, I was sent the attached letter from XXXX : AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Loan Number : XXXX.
When I contacted XXXX after receiving the attached letter, I was told that my loan had just been transferred to another mortgage company called AmeriHome Mortgage by XXXX ( ID : XXXX ). I logged in to the XXXX website to make my loan modification payment by XX/XX/2021, as it says in the attached letter to do, in the amount of {$990.00} but the XXXX website would not allow me to do so.
XXXX at XXXX told me to call AmeriHome Mortgage at ( XXXX ) XXXX, which I did, and I spoke with XXXX XXXX ( ID : XXXX ) and he advised that he would send me the loan modification documents and would honor the attached letter once the transfer of my mortgage was completed from XXXX to AmeriHome Mortgage. He told me not to make a payment by the XX/XX/2021 date as it states in the letter as I would receive the new loan modification documents in the mail after the transition period of my loan. He also told me everything has been documented correctly as part of the Forbearance process so I am protected under the CARES Act with regards to the loan modification option I have chosen to reinstate my mortgage and resume making payments.
On Saturday, XX/XX/XXXX, I spoke to AmeriHome Mortgage representative XXXX ( ID : XXXX ) and he told me my mortgage was still transitioning over from XXXX and that my loan modification documents with XXXX would be honored under my transition out of forbearance under the CARES Act. I was told that I will be unable to make a payment on my account until the loan modification is completed by AmeriHome Mortgage and I receive confirmation that it's finished. I was told I would be unable to make any payment until the process is completed.
On Tuesday, XX/XX/XXXX, I spoke for XXXX with XXXX ( ID : XXXX ) and she told me that AmeriHome was still waiting for all the documents from XXXX but that she would notate my account about COVID-19 Forbearance and the loan modification and/or deferral payment option that I chose to reinstate my mortgage. She said the correct department that I needed to speak to was XXXX Department where she then transferred me, where I spoke with XXXX ( ID : XXXX ). XXXX said she had no information on my loan that I was ever in Forbearance and that my loan shows up as being late and in default which is why I am getting all the threatening letters from AmeriHome Mortgage. She said under the law, I am protected for 60-days until XXXX can send all the loan details over to AmeriHome Mortgage during the transitionary period. She told me there is nothing she can do at this time but hope that XXXX sends over all the required documents in time.
I came out of COVID-19 Forbearance in XX/XX/2021 with LoanCare and have since been given the COMPLETE RUNAROUND. I originally opted for the deferral option but was talked into the loan modification option because of the lower interest rates that I decided would be good to lower my monthly mortgage payments. I was sent all the documentation attached to show that my loan modification was underway with XXXX as required by the CARES Act but before I could make my first payment to XXXX under the loan modification terms in the letter I was sent, my mortgage was transferred to AmeriHome Mortgage ( Loan Number : XXXX ). AmeriHome has been sending me threatening letters saying I am in default on my mortgage and saying I can't do anything at this time.
I have called at least 4 or 5 times this month to AmeriHome Mortgage to straighten things out and get my loan modification finalized, but they are saying there is nothing they can do until they receive all the information from XXXX. I also contacted XXXX and they say there is nothing they can do since AmeriHome Mortgage is now servicing my loan. Neither company will allow me to make my approved loan modification payment in the attached letter and all representatives have told me not to make payment. No one at AmeriHome Mortgage can give me a status on when my loan modification will be completed so I can reinstate my mortgage and make my first post Forbearance payment.
I am protected under the CARES Act but neither XXXX of AmeriHome Mortgage company have provided me with one point of contact to help me get my mortgage back on track so I can begin making my monthly mortgage payments again.
My Property Address : XXXX XXXX XXXX XXXX, CA XXXX To date, I still have not received any loan modification documents from AmeriHome Mortgage but instead, I have received a loss mitigation package that they're trying to get me to fill out. Under the CARES Act, I am not required to fill out this additional paperwork they sent me but they are trying to require me to do so.
Under the XXXXARES Act and post COVID-19 Forbearance, AmeriHome Mortgage is supposed to reinstate my mortgage with one of four options : 1 ) repayment plan, 2 ) deferral, 3 ) modification or 4 ) reinstatement ( lump sum ). My loan is a XXXX XXXX XXXX and I am protected under the CARES Act. The letters I have been receiving are threatening, which could negatively impact my credit and I have not been assigned a one-point of contact and no one at AmeriHome Mortgage is properly advising me on my mortgage or what is going on with my loan modification. In short, no one knows what's going on with my mortgage and no one is allowing me to make payment under the terms of the attached letter but instead has sent me volumes of threatening letters.
Under the CARES Act, coming out of COVID-19 Forbearance is supposed to be a simple process but this process has been anything but simple. This process so far has been completely frustrating, intimidating, stressful, with little to no information and answers from anyone that I have spoken with and spent hours on the phone with to date.
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| 08/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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Back in XXXX, I lost my job due to covid- upon calling on XX/XX/XXXX, I was promised that I would not have to make marchs payment ( though i was prepared to ) but that since I was out of work with no income I was told I could hang on to my money for the time being and I was told I would be put in a forbearance for XXXX XXXX and XXXX. A few weeks later, received something in the mail stating that I was delinquent on payments, so I called again, I was told to disregard that and also told that my forbearance would be extended through XXXX. There were some discrepancies at this time about my XXXX payment as they were saying it was showing as a missed payment-I explained the call on XX/XX/XXXX ( when I was promised my forbearance would include the month of XXXX XXXX and was told that they would resolve that. I called again a few weeks later to confirm this, and was told that it was still being resolved, but also that my forbearance would cover me through XXXX. So, on XX/XX/XXXX I called again since my forbearance was ending and I thought I would need to make my XXXX payment and I wanted to discuss repayment options on the months I had missed. On that phone call, I spoke with XXXX XXXX who was wonderful! ) she told me that I could do a deferment, she said that it was something they would be offering the next day XXXX XX/XX/XXXX ) but that she would go ahead and enroll me in that plan. She said I would hear back from someone in XXXX days, but that never happened, so on XX/XX/XXXX, I called back to inquired about making that payment. I was told that the deferment plan doesnt exist for an FHA and that there was no program available to defer the payments to the end of my loan and that I was responsible for {$12.00}, XXXX DUE IMMEDIATELY ( total for my XXXX through XXXX payments ) - upon hearing this news I was in a state of panic. I called back numerous times/ was even transferred to supervisors that all told me that I needed to pay all of the months. Finally that same day, I spoke with Miss XXXX she first was talking about foreclosure which was crazy since prior to covid I had 100 % on time payment history!!!!!!! Eventually, she FINALLY mentioned the partial payment claim and said I should be approved for that. I finally that same day spoke with Miss XXXX who advised me further on the partial payment claim, she said this would put these payments to the end of my loan and that it would not affect my credit and that all of the notes were supportive of me being approved for the partial payment claim. Another thing to add is that at this time, I noticed my credit score dropped because Amerihome reported me 120 days delinquent. She did advise me that this would be corrected by the bureaus. After speaking to her, I still felt so uneasy because so many other people that day had given me different information, so I called back and spoke with miss XXXX. She confirmed everything miss XXXX said and said the reporting to the credit bureaus was done in human error and that it would be fixed, but not immediately. I have been calling every couple of days since trying to determine where I stand in. This claim, but nobody gives me an answer. At one point, later in XXXX, I was told an underwriter had my file and I was pending final approval, but never heard anything back. Someone named XXXX from the back who did not have an employee ID as she said she is in upper management called me back and advised that it would be good to go and that she would follow up to let me know when it was completed, she called back the following day with no update, but said she would contact me again, however she never did. On XX/XX/XXXX, I began a new job and am working toward getting my mortgage license. I need to be current on my mortgage in order for my job to assist me in gettin my license though, so I have been calling back regularly since to get this resolved. On numerous calls, I have been told that they had no record of any of this and that I could apply for the partial payment claim. ( I have been trying to resolve this since XX/XX/XXXX when XXXX told me I WOULD BE APPROVED IN XXXX days, so at this point, XXXX losing it. I was also told I would have to end my Forbearance in order to be eligible. I said PLEASE DO WHATEVER NEEDS TO BE DONE. When I called back again, there were no updates nor could anyone tell me anymore than the notes on my file, all of which were contradictory. On XX/XX/XXXX, I was advised that an underwriter was reviewing my file. On XX/XX/XXXX, I called back and they guy had no clue about any of this. He offered to mail me a packet to START my partial payment claim. WHAT HAPPENED TO CINDYS PROMISE ON XX/XX/XXXX, or the MANY phone calls since where I was told underwriters are reviewing it?!? He then started talking about loan modification and other things that would hurt my credit, he also told me that I would need to pay XXXX of the balance owed which is now up to around XXXX in order to be approved, or I could try a partial payment claim but that I likely wouldnt be approved? He also mentioned foreclosure and LAUGHED at me. I had to ask him to stop laughing at me. I have a CHILD. There is NOTHING funny about my child being homeless. Also, in order to maintain my employment ( which is necessary in order for me to make future payments, I need this resolved. Today, I spent my entire lunch break on hold waiting for a supervisor, but never got XXXX and had to go to work. I called back after work and have currently been holding for OVER XXXX hours counting as I type this.
I also reached out to HUD today, but am still waiting on the XXXX to follow up. At this point, I am DESPERATE for resolution as I need it to maintain my employment. I cant continue waiting, it has taken so long! I have never missed a payment prior to Covid, but I am literally ready to walk away from this house just to never have to deal with amerihome again. I would like to request that my loan be serviced by another company in the future as they do not operate within the law, they make it impossible to communicate since they do not answer or return calls. And I can not live a healthy life in a state of panic over losing my house!
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| 10/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX i received an email from the mortgage company advertising a quick quote to refinance my existing mortgage. I clicked on the information in the email and was immediately contacted back by a loan officer.
The loan officer gave me a quote on the refinance to go from a conventional loan to a FHA loan at the same interest rate that i currently have at 4.25 %, she explained that i would need to buy down the loan points at {$2800.00} ( cash to close ) and that it would save me $ XXXX on my mortgage insurance premium ( advised not to pay my XX/XX/XXXX mortgage payment anfd to bring those funds to closing instead ). These were based on my credit score at the time of the closing of the original loan in XX/XX/XXXX. She explained that my only out of pocket cost would be the required appraisal. That seemed like a good option to do.
She sent me the initial disclosures allowing them to pull my credit and etc. I immediately responded and we started the process XX/XX/XXXX with the expectation that settlement would happen prior to XX/XX/XXXX.
I received the first actual loan disclosure on XXXX and noticed the cash to close amount was higher than agreed originally. the loan officer stated that the MIP up front cost was around {$6500.00} and that she had received approval from a higher up to take care of that cost. I requested that in writing and she sent me the email with her higher up agreeing to do that at the last point or at closing. so i agreed to sign those disclosures which also locked in the rate at 4.25 % until XX/XX/XXXX ( officially signed and sent back on XX/XX/XXXX ).
After this, i did not hear anything from the mortgage company. i sent an email advising that i would be out of town starting on the XXXX so if they needed anything else from me to let me know. they advised everything was ok and still set to close by XX/XX/XXXX.
On XX/XX/XXXX i was contacted by phone by a loan processor needing information for a credit card for the appraisal. I called the loan processor 4 times from my vacation and had my mother call and leave a message while i was away as well to give them the information.
I did not hear back from the loan processor again until XX/XX/XXXX in which he was given the credit card info for the appraisal. He advised again that we only needed to do the appraisal, and that was the last step so settlement would still occur by XX/XX/XXXX. The appraisal company contacted me XX/XX/XXXX and scheduled appraisal for XX/XX/XXXX. Appraisal came back XX/XX/XXXX with a higher value ( XXXX ). therefore they sent me new disclosures to update the value of property, and i sent back signed XX/XX/XXXX. AFter multiple calls and emails that i made asking about the status ( since we were nearing the end of the month and the mortgage company had been calling me for lack of payment, i was getting nervous ), i finally heard back from the processor that he hadnt been able to reach the insurance company XX/XX/XXXX. I knew that was odd and immediately reached out to them, i gave the processor the information. he came back and said he had been contacting the wrong persons so that would delay the closing until the first week in XX/XX/XXXX. So i paid the XX/XX/XXXX mortgage and requested the late fee be taken care of since they delayed the settlement. The loan officer requested the fees be removed. I was advised again not to pay the XX/XX/XXXX mortgage and to bring that to closing instead.
After this, i heard nothing from the mortgage company for weeks. I contacted them multiple times asking what was going on. Finally heard back from the loan processor that he was working on getting my cash to close to a reasonable amount. I didnt understand that. Then i received an email XX/XX/XXXX with post closing disclosures. Since i was out of town, i could not see the records. On XX/XX/XXXX i saw the disclosures and saw that the amounts were off. It had a higher interest rate and the amount of cash to close was higher and final mortgage amount higher. i called and emailed about the changes. On XX/XX/XXXX i was sent new disclosures, so i actually thought maybe the other documents were a mistake. i heard back from the loan officer stating that they made the error that the property taxes were paid and they were planning to use that money from escrow etc etc, but never gave any info about the rate hike to 4.375 % i told her at that time, i agreed to our original agreement of 4.25 %, {$2800.00} at closing with total amount monthly at {$2600.00}.
The difference over time would not be beneficial. I would end up having to pay the mortgage company tens of thousands of dollars more over the life of the loan and the fact that they tried to slip it to me without even advising me of the changes. just asking me set up the settlement date.
I then requested that the original terms of the loan be honored for me to continue.
They stated that i would need to have {$5000.00} at closing.
At that point i advised that unless we could go forward with the agreed upon terms i could not continue. I also requested the appraisal fee to be given to me and the late fee for XX/XX/XXXX to be requested to be waived since i was advised not to pay while going through this process. I intended to go through with this refinance and it only did not happen because of their incompetence and lack of communication. Rates have increased now so i have now been put at a disadvantage and can no longer refinance and benefit me. Other companies were offering the same option but i figured that since i was already with them, it would be easier to stay with them. Now i am out f {$520.00} and still have the same mortgage and unable to refinance any where else at this time.
They advised they would not give me the money for the appraisal and that i would either have to take a rate increase or bring an additional {$2200.00} to closing.
There was no material facts that changed for me, and of no fault of me that this did not happen that should have affected the process ( in fact my credit score went up by 30 points from her original assessment ). I was willing to continue with the process at the original terms.
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| 02/02/2021 |
Yes |
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- Trouble during payment process
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Web |
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Our mortgage company is AmeriHome mortgage. I lost my job XX/XX/XXXX due to COVID and had to put my loan in forebearance for 6 mo. After this, I was approved for the COVID-19 National Emergency Standalone Partial Claim for FHA-insured loans plan where I could defer the suspended payments to the end on my loan. A packet was sent to us which was the Promissory Note and Deed of Trust which we had to sign and notarize and have back to AmeriHome by XX/XX/XXXX ( a Monday ). We sent it back XX/XX/XXXX via the envelope that was sent with the packet which was XXXX XXXX 24hr delivery. Unbeknownst to us, the packet which should have arrived XXXX did not get to them until XX/XX/XXXX. In the meantime, I was told that since I'd sent this in I could make a phone payment which I did XX/XX/XXXX. This is what we thought was the start to our resuming the normal monthly payments on the mortgage, which we would typically be done online from that point on. The person I spoke with told me that we would be able to do so. However, the packet was sent back to use the first week of XXXX saying that the Notary left the date off one spot and that another area was incomplete, ( which was true ), and that I was to have it notarized again and sent back. I spoke to another different rep from AmeriHome and this was confirmed. Again we were under the impression that everything was going well. It was renotarized and sent in again XX/XX/XXXX. At the beginning XXXX, my husband attempted to pay XXXX 's payment online but he was denied. I called AmeriHome again and spoke to another different rep. She told me that the original packet that I sent in was denied because it was received on XXXX, one day after the deadline. However, anytime that I spoke to the multiple reps in XXXX, no one had ever mentioned anything of the sort. And I had call a few times with various questions-trying to make sure everything was done right and that we were back on track. It was as if there were 2 separate entities at AmeriHome dealing with my file and they weren't communicating with each other or making appropriate notation in my file. They said that I would have go through the entire process again-that someone would have to approve me again and a new packet would be sent to me. Now, this is the information that I obtained from several phone calls, speaking to different reps each time over the course of those few days of trying to straighten things out. I would have to repeat this entire saga to each rep each time I spoke to one because the notes in their system regarding this matter were all over the place, some even contradicting others. The final word from someone was that I would be receiving a new packet sometime over the next few weeks, if I was approved. I also found out during one of these calls that the payment made on the phone at the beginning of XXXX ( that I was told would be the mortgage payment for XXXX XXXX never even went toward the mortgage but toward some other account within the loan. I was never informed of this and we were lead to believe that it did apply to XXXX 's payment. Thus, I assumed that now it would look like I was in default, which was very upsetting. During this time, we had been talking to the mortgage broker that we dealt with when we got the loan originally back in XXXX. We wanted to refinance due to the lower interest rates because of COVID and we were very concerned that this fiasco with AmeriHome would ruin those chances. He advise to us to do an online bill payment through XXXX XXXX, our bank, such that it shows that we have been attempting to make on time monthly payments. This is what we've been doing since. As for the new packet I was to receive, it never came. I had tried making phone calls regarding this but each time I spoke to a different rep, having to repeat the whole story over again and them trying to make sense of the notes in the system. When I spoke to a woman that actually seemed to know what she was talking about, I somehow was disconnected. I hoped she would call me back but she never did. I tried calling the main number to be reconnected and the person with a heavy foreign accent said that she was in another state and there was no way to reconnect me with the same person. In the end, someone told me that there was no notation made regarding having to restart the process of getting approved again and a new packet with the promissory note being sent to me. So it appeared that I was not making payments and that I was in default. So I have been trying to get everything together for the refinance. Anytime that I have talked to AmeriHome to straighten this situation out, it is a mess. I can't talk to the same one or two people ; it's always a different person. I have to explain the situation over and over again, which is SO frustrating. No one can put me through to a person in charge. I have been told that the loss mitigation department would not speak to me. Some would say that they were going to send emails to other people or departments that might help me. Nothing has come of this. I am being harassed daily with multiple phone calls and letters sent to my house. If I do answer a call, it is either disconnected or some new rep is on the line telling me they are attempting to collect a debt of 7 months of mortgage payments of over XXXX AmeriHome will not take anything toward this unless it is the entire amount paid in full and that I could apply for one of the repayment options, which I tell them I have already done. It is as if they have no knowledge of anything going on with it. It keeps going around in circles and I'm not getting anywhere. It makes me look like I am neglecting paying. This entire thing could have been so easily fixed if they had taken the original packet that we sent in which was one day late. That was not my fault that XXXX didn't get it to them on time. Also, mail can be delayed because of the pandemic. I was being held at fault. This is such an aweful company and they have been a major cause of stress and misery. I don't know what to do anymore to get it fixed. I hope this hasn't jeopardized my ability refinance.
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| 12/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am filing a complaint against my Mortgage Servicer, Amerihome, as they are improperly denying me the mandated right to forbearance.
I initially requested a forbearance application and in XX/XX/XXXX received a notice that they indeed receive said application and will update me within 5 business days. This notice was the last piece of correspondence sent to me directly at my home address. Additional notices of missing documents were sent elsewhere. The only way I have maintained records of correspondence with Amerihome is through my online account and profile through the e-documents.
I downloaded further notices that my forbearance application had been closed due to missing documents not being received by the deadline.
I then decided to call Amerihome and again request a new forbearance application.
XX/XX/XXXX : Called Amerihome and spoke with representative Mr. XXXX ( Employee ID XXXX ) Mr. XXXX further explains to me that my Power of Attorney is missing from my file and a new one is required in order to request a new forbearance application. My attorney had previously this year sent them a POA, but Amerihome claims it is now missing from my file.
I was instructed to include the following on the POA : Loss mitigation Loan modification Workout options Fax number : ( XXXX ) XXXX ATTN : Bankruptcy Department XX/XX/XXXX : At XXXX I sent my attorney the request to resend a POA to Amerihome granting permission to discuss loss mitigation options with me.
XX/XX/XXXX : At XXXX called the XXXX XXXX XXXX XXXX to inquire if there is a deadline for forbearance eligibility under the CARES Act. Was informed that they are unable to speak with me about my home loan as I am in active bankruptcy. Was told to reference below Act ...
Information researched on CARES Act forbearance on government backed loans : CARES Act 4022 ( b ) requires servicers of federally backed mortgage loans to grant
forbearance requests from borrowers experiencing a financial hardship due, directly or indirectly, to the COVID-19 emergency. The language of the act is mandatory. The servicer may not require anything other tha
n the borrowers attestation to a financial hardship caused by the COVID-19 emergency. See CARES Act 4022 ( c
) ( 1 ). Once the borrower has affirmed the COVID-related hardship, the servicer must provide the forbearance. Although some servicers have ignored this requirement, CARES Act 4022 ( b ) ( 1 ) explicitly provides that borrowers are eligible regardless of delinquency status. It does not matter if the borrower is delinquent at the time of application or was delinquent before the Presidents XX/XX/XXXX emergency declaration.
****Borrowers who believe they have been improperly denied a forbearance or have other problems with their servicer should submit a complaint to the Consumer Financial Protection Bureau using its complaint portal. ***** XX/XX/XXXX : At XXXX received confirmation from attorney that another POA was submitted to Amerihome.
XX/XX/XXXX : At XXXX called Amerihome and requested a forbearance package. Was informed by representative that one will be mailed to my home address promptly. Instead went and printed off the previously requested application available via my online profile.
XX/XX/XXXX : At XXXX I mailed my completed forbearance application via Certified Priority Mail Express ( 1 day ) requiring signature upon receipt. Was informed the application will arrive before XXXX on XX/XX/XXXX. I have also made copies of said application to save in case mortgage servicer claims information is missing within application.
USPS tracking no. : XXXX XX/XX/XXXX : At XXXX I received confirmation from USPS that the documents were delivered and signed by XXXX XXXX.
XX/XX/XXXX : At XXXX I spoke with Ms . XXXX ( Employee ID # XXXX ) and inquired as to the nature of random letters sent to me requesting I submit additional documents to complete my forbearance package. Im asked to submit paystubs in spite of sending a hardship letter explaining I am unemployed. Im asked to submit a divorce decree in spite of never being married. Im asked to submit a social security benefits statement in spite of the forbearance application stating that if unemployment is the reason for my hardship no additional documentation is required. It appears as if Amerihome is treating my forbearance application as if it were an application for Modification.
The representative stated that she sent an email to both the Bankruptcy and Loss Mitigation departments highlighting the issues and delays of my forbearance application.
I have previously requested for a supervisor to contact me, but received no follow up. I have again asked for another supervisor to please call me and am told one will reach out to me in 24-48 hours.
Per the CARES Act, any individual with a government backed loan can automatically receive a forbearance by simply applying for such and providing a hardship letter to the mortgage servicer indicating hardship as a result of the COVID-19 pandemic. I have done this yet my forbearance application is consistently marked incomplete and I am asked to submit random irreverent documents in order to move forward with said request.
XX/XX/XXXX : At XXXX I called to obtain a status update on my forbearance application. I spoke with XXXX ( Employee ID XXXX ). She explained to me that no update has been entered into my account and that I should wait up to 30 days for the Loss Mitigation Dept. to review my application. She insisted no additional information was available. When asked why I have not received a call back from a Supervisor she stated they are busy.
XX/XX/XXXX : At XXXX I called Amerihome again dissatisfied with the information I received earlier that morning. I spoke with XXXX XXXX ( Employee ID # XXXX ) and was informed that it takes 5-7 business days to review a file. When asked why I was told by the former representative 30 days she did not have an answer.
XX/XX/XXXX : At XXXX I called the Consumer Financial Protection Bureau to submit a complaint on Amerihomes mishandling of my forbearance application.
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| 11/23/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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Servicer : AmerihomeXXXX XXXX / XXXX My complaint begins with the inconsistent information provided to me during multiple phone calls starting in XXXX of 2021.
I would regularly be told XXXX thing by servicer and then the next day be told the opposite.
I received a letter dated XX/XX/2021 stating I was approved for a FHA XXXX Combo Partial Claim and Loan Modification.
For the months of XXXX and XXXX I had attempted to be reviewed for this program. I was told everything from the program did not exist to I could not be reviewed for program while I was on a COVID Payment Forbearance. But magically, it did exist and I was eligible for it.
The XX/XX/2021 offer listed {$8300.00} as XXXX XXXX and/or XXXX up.
I immediately submitted a request for information and notice of error asking how that dollar amount was determined. The servicer, realized that they were disbursing the wrong dollar amount for tax. Which triggered XXXX escrow analysis on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each of the escrow analysis they use fictional amount as the amount in escrow at the time of review, to compare to the target balance ( required balance ) in order to determine shortage on escrow account. On the escrow statements they fail to explain why they are using fictional amounts as amount in escrow at time of review.
I also have received XXXX additional letters stating I was approved for FHA XXXX Combo Partial Claim and Loan Modification.
I am now in receipt of XXXX XXXX XXXX made on XX/XX/2021. I believe this agreement is not in compliance with ML XXXX. If I accept this agreement my payment will only be reduced by 4 %. The offer they made seems to be for the XXXX Combo Partial Claim and Loan Modification in accordance with XXXX XXXXXXXX. The issue is Mortgagee XXXX was effective on XX/XX/2021. I believe they have failed to evaluate me for XXXX XXXX in accordance with ML XXXX. Also the XXXX XXXX XXXX has an interest of 3.25 %. I believe the interest rate is also not consistent with ML XXXX. I believe the interest rate that I should be offered is 3 %.
The modification agreement dated XX/XX/2021 doesnt list amounts for escrow. It also fails to give me dollar amounts capitalized for escrow advances, shortages and interest arrears. Because of my previous experiences I must insist on copies of their calculations for escrow advances, shortages and interest arrears.
On XX/XX/2021 we called servicer at approximately XXXX. We asked servicer if servicer had implemented XXXX XXXX XXXX. The representative advised he did not know what that was. I asked how was the interest rate determined. The representative conceded he did not know how the rate is determined.
We advised him that they had failed to review borrower for modification in accordance with XXXX XXXX XXXX and that the interest rate proposed terms were wrong.
The representative then sent an internal communication to supervisor letting them know that I wanted to know why they did not comply with XXXX XXXX. His supervisor advised him to email underwriting. Representative openly admitted after being corrected a half a dozen times that he did not know how the programs works. He stated he sent the underwriter an email documenting our concerns.
On XX/XX/2021 at XXXX PM EST I contacted the servicer in regards to the status of the internal communication to the underwriter about the loan modification and once I had a representative on the line and explain the reason of my call and was placed on hold the call was dropped. At around XXXX once again called the servicer and this time again spoke to a representative and once I explained the reason for my call was left on hold for over XXXX minutes until the call dropped.
On XX/XX/2021 at approximately XXXX I contacted the servicer in regards to the status of the internal communication to the underwriter about the loan modification. The representative stated to hold for XXXX while he reviewed the account and notes and never returned to the line. After approximately holding for about XXXX minutes I disconnected the call once again with no response.
On XX/XX/2021 once again called the servicer and spoke to a gentleman by the name of XXXX. I explained very detailed the reason for my call and the reason I was disputing the XXXX XXXX XXXX received and he was very helpful. He apologized for all the miscommunication and stated he understood my concern on the reason why I was disputing the modification terms as they were not in compliance with the XXXX XXXX XXXX. He once again reached out to the escalation team and stated I am disputing my modification as it is not in compliance with Mortgagee Letter XXXX and should have been reviewed for the Recovery Modification XXXX XXXX FHA XXXX Combo Partial Claim and Loan Modification. He asked that I be reviewed for the Recovery Modification and disregard the current Modification Agreement that was signed and sent to the Servicer via XXXX on Friday, XX/XX/2021. He did state that he couldn't promise me anything but he communicated to the underwriting team that I do not wish to accept the modification currently in place and start fresh in the review for a better payment option. He also advise to contact the servicer every XXXX until we get this issue resolved and send a letter in writing in why I am disputing my current modification in which I sent an RFI/NOE XXXX fax.
The reason we are submitting this official complaint is to get a response before the first payment date on XX/XX/2021.
We ask that servicer immediately review for modification in accordance with Mortgage XXXX XXXX.
I did sign a Permanent Loan Modification Agreement not content with the terms to avoid loosing my home hoping this issue is corrected within the time period prior to my XXXX payment on XX/XX/2021 and those terms voided out and provided with the modification in compliance with the FHA XXXX.
We ask also ask that they provide a detail breakdown of how interest arrears, advances and shortage were calculated.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hard work, prayers and a little luck allowed me to purchase my family, our first home in XX/XX/XXXX utilizing the FHA loan program. The initial interest rate was 4.25 % with a {$300.00} PMI. In XX/XX/XXXX, rates had lowered and our home had gained enough equity to allow us to be approved for a conventional rate/term refi. Our rate was lowered to 3.875 % and PMI of {$87.00}. This lowered our monthly mortgage payment to reduce from {$3200.00}, including escrows, to {$3000.00} including escrows.
Our first two payments were made to the loan originator XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, I received a loan statement from AmeriHome Mortgage, LLC, which also informed me that my next payment, due XX/XX/XXXX was to be made to AmeriHome Mortgage, LLC as they were now the servicer of my loan. Payments, rates and terms, all seemed in order and understanding selling of mortgage loans as standard procedure, thought nothing more of it.
However, after only two regular payment to AmeriHome in XXXX and XX/XX/XXXX, I received an escrow statement dated XX/XX/XXXX notifying me of an escrow shortage in the amount of {$1400.00} and if shortage amount was not paid in full my regular monthly mortgage payments would increase to {$3200.00}. The statement also noted that even paying the escrow shortage in full would still increase my payments to {$3000.00} beginning XX/XX/XXXX from {$3000.00}.
I of course found this all strange, not wanting my payments to increase near my previous payments of {$3200.00} and due to XXXX being an extremely busy time of year ( FED FY END ), I decided, it was most likely an accounting error of some sort, paid the shortage in full and figured I would simply address once my workload decreased. I made a payment for the full shortage amount of {$1400.00} on XX/XX/XXXX.
Two months of payments in the amount of {$3000.00} made in XXXX and XX/XX/XXXX for a total of 4 payment to AMERIHOME since they acquired my loan. First 2 payments reflected accurate payment per loan disclosures of {$3000.00}, the last two an increase to {$3000.00} and an additional payment of {$1400.00} from me to cover a shortage in escrow per AMERIHOME.
Escrow statement dated XX/XX/XXXX, yet again, provided notice of a new shortage in escrow of {$2900.00}. This of course made me extremely concerned and I immediately began researching all documents in an effort to determine the cause, since aside from escrow statements, AMERIHOME, had provided no other explanation of continuous escrow shortages and increase mortgage payments. After countless hours, I finally discovered that although each of the escrow statements from AMERIHOME, included a projected amount for HAZ insurance of {$1000.00} matching my annual premium to XXXX XXXX XXXX XXXX, they had in fact made a payment to XXXX through escrow disbursements in the amount of {$2300.00} in XX/XX/XXXX
Soon after the XX/XX/XXXX escrow statement, and after I discovered the error, I contacted AMERIHOME to notify them of the error and to my surprise had to spend about an hour explaining to the representative what the error was and how it was affecting my payments and their escrow projections. Nevertheless, I was assured she understood and an escalation was being initiated which would resolve the issue within 72hours. 72hours came and went with no contact or correction from AMERIHOME.
About a week later, I called again and once again, had to explain everything as if it was the first time. Once again, I was told to upload the XXXX page from XXXX XXXX. I told the representative I had already done that and received confirmation it was received. She stated it had not been received and nothing had been done on their end to investigate the errors I had brought to their attention and requested I once again upload the HAZ insurance XX/XX/XXXX page. I did as requested.
Weeks and several calls later, ( last call being around XX/XX/XXXX ) no corrections were made and every call, I was asked to once again upload XXXX page and once again notified that nothing had been done or corrected and every time, I had to explain everything as if it was the first time.
On all calls to AMERIHOME I was assured repeatedly that not only would corrections be made within 72 hours but also that no late fees, or late payments would be reported to the credit reporting agencies. In my call to AMERIHOME in XX/XX/XXXX, I was told payments should not be made until correction was done. The representative advised me that correction would be done by XX/XX/XXXX, to which I responded by stating I would be late and be penalized if I did not make my payment by XX/XX/XXXX. The representative once again reiterated what I had been told previously regarding late fees and late credit reporting.
In total, I contacted AMERIHOME about 5 times from XXXX to XX/XX/XXXX notifying them of the error. After my last call in XXXX, in a panic, I explained to the rep that I had no trust in there verbal statements and requested they accept my XXXX and XXXX payment. Within a couple of days of that call, I made both XXXX and XXXX payments, each in the amount of {$3400.00}. A few days later, I received an alert from XXXX that AMERIHOME had reported me late for XX/XX/XXXX.
On escrow statement dated XX/XX/XXXX, AMERIHOME provided yet again another notice of escrow shortage. This time in the amount of {$1300.00}.
On or about XX/XX/XXXX, I mailed a written notice of error to AMERIHOME MORTGAGE, LLC. As of today, XX/XX/XXXX, no corrections have been made, I have received no communication from AMERIHOME regarding this matter and my payment due XX/XX/XXXX, reflects the amount of {$3400.00}.
For the last several months, I have been working with XXXX XXXX for a rate term refi and on XX/XX/XXXX, days before closing, I received the following in an email from XXXX XXXX.
" I re pulled credit on this file. We have a DU refer with Caution. Borrowers credit score dropped considerably, went from XXXX to XXXX. We can sub to UW for denial ''
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| 05/28/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I contacted Amerihome mortgage around XX/XX/2021 starting that I knew my XXXX impacted forbearance was ending at the end of the month that I was trying to be proactive about the ending of the forbearance because I had received a letter about different options once it ended I informed the representative that I would not be able to make the full past due amount since I was just getting back to work and that I wanted to go forward with the modification to put payments on the back end of the loan. The representative started this was no issue I would get paperwork in the mail and told me my next payment would be done XX/XX/XXXX for the normal monthly amount. After XX/XX/2021 I received no paperwork in the mail and called in to try and make a payment and was informed by the representative that no request was in place for a modification and that the last representative didnt do anything but make a note on the account. I informed this representative that I was concerned about credit reporting since the Forbearance was technically over but I still wanted to do a modification on the loan I wanted to avoid a second lien with the partial claim she said this would be no issue that they would put in another forbearance for XX/XX/2021 while the modification paperwork was being rerequested to avoid any reporting issue. I received the modification paperwork emailed it in per the reps suggestion on XX/XX/XXXX. I called back in around XX/XX/XXXX and spoke with a gentleman that stated he was from the Loss Mitigation department first he stated he didnt see the paperwork, he put me on hold came back about 5 minutes later and said he found the email with the returned hardship modification paperwork that I signed and that he would note the account that it would be reviewed and we would get a letter if its approved stating what are next payment would be. Towards the end of XXXX I received a letter starting that the modification couldnt be completed I called in and spoke with a representative that assured me its being processed and to ignore the letter since it was sent before the paperwork was received they suggested I call back after XX/XX/XXXX to let everything process on the account. After not receiving any documents by mail and paying supposed to be due for XX/XX/2021 I called again was informed by the representative that they didnt process the modification because the representative that placed the forbearance on the account for XX/XX/2021 misinformed me and that only one hardship workout could be on the account at a time she told me she would be escalating this to the modification department to be reviewed again since the forbearance was over and that I would get a call back with my next steps to wait about 5-7 business days since that is the normal processing time for a call back. After XX/XX/XXXX and not hearing anything no more letters or no call back from the loss mitigation department I called again was told that the modification request will need to be resubmitted since it had been so long on the original request and that I would possibly have to submit the paperwork again that they would try to do another escalation to see if the paperwork and hardship letters could be accepted even though they were submitted in XXXX. Towards the end of the call it unexpectedly dropped so I called back to make sure the request was done since processed since the call dropped. I spoke with the last representative and was informed that no starting the modification will not avoid credit reporting and that since I have an FHA loan the only option that I have is to do the FHA partial claim. I started that was not what I was previously told because I said I wanted to avoid a second lien that comes with the partial claim. The representative was very rude saying that the partial claim was my only option and when I asked for a supervisor due to incorrect information that no one would talk to me because that wouldnt change the options I informed her my concerns werent over the options it was due to incorrect information from several representatives that I had spoke with and told her Im sure the conversations are recorded she said that everyone has different supervisors so talking to hers wouldnt help the situation I said I didnt matter if everyone had different supervisors I wanted to speak to someone to make sure I was getting correct information and that the follow through would be correct. I told her that in order to end this whole mess of incorrect information and a 3 month long process to start the request for the FHA partial claim. She told me that she would do this and put in for a call back for a supervisor. When we received the callback the supervisor didnt have any information didnt know why we didnt receive a call back previously and didnt know why this had taken so long to do anything with the modification like we originally wanted. Overall this has been a terrible experience my wife had XXXX causing us both to be out of work and once I went back to work I was on reduced hours with my employer this isnt something that we just did to avoid paying our mortgage we had an actual hardship and one of there solutions was just to keep continuing the forbearance to put us even more in the whole several times we told different representatives our goal was to make our normal monthly payment we just couldnt pay a large past due amount. Within a week we received approval to do the partial claim and received a mailing on XX/XX/2021 stating I had until XX/XX/2021 to return signed paperwork which a representative informed me on XX/XX/2021 hadnt even been mailed yet. This is starting another problem of delayed paperwork and me having to call this company several times for a simple thing. This is my home that is at risk and the constant back and forth information is causing me a financial strain because now my escrow is getting more and more behind on something that could of been fixed back in XXXX if the original request was honored.
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| 03/31/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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This complaint is regarding the hardship paperwork process After several follow up calls that documents were received and completed, we were requested to provide additional information and documents. Part of these documents requested was information regarding the receipt of Social Security ( SS ) benefits. As explained and noted on our file we are not receiving SS benefits and as such were instructed to provide a letter signed and dated by both borrower to this affect. I have on XX/XX/XXXX submitted the signed and dated letter confirming we are not receiving SS benefits.
After another follow up with their customer support reps we were informed to revise our income statement to remove the SS information to move the process along as well as additional banking statements etc.
On XX/XX/XXXX we completed and submitted via fax all remaining and requested documents which included an updated income form removing SS benefits incorrectly listed.
On XX/XX/XXXX after not receiving notice of any kind include written that we needed to provide additional information I called and spoke with a female customer support rep who instructed that they were still waiting for the singed letter confirming no SS benefits were being received. I informed her at this time that was faxed on XX/XX/XXXX and the revised income form was sent via fax on XX/XX/XXXX. She confirmed these documents were received and informed me that loss mitigation did not update their system to reflect the received documents. She stated she would email and get the issue corrected to move our file to under writing.
On XX/XX/XXXX I called again because again I had received no notifications of any kind that our file had been sent to the underwriters. I reached the rep XXXX ID # XXXX who stated again that they were waiting for the confirmation letter signed and dated by both borrower regarding the SS benefits. Again I instructed him I have already taken care of this and that they had the required documents as previously discussed on XX/XX/XXXX with the prior rep.
I asked why this had not been processed and what I needed to do to get this fixed as our deadline of XX/XX/XXXX was fast approaching. He stated he would escalate the issue to the loss mitigation team personally and get this corrected and would call me back the following day to update me.
On XX/XX/XXXX I received the call back from XXXX ID # XXXX to be told that the loss mitigation department is requiring the letter confirming we are not receiving the SS benefits be submitted. Again I state that was done and he confirmed he had the document in their system, but that was what he was being told by loss mitigation. I requested clarification as to why I have to resubmit a document already in their system, XXXX became annoyed and said thats just what they are requesting and thats what they are telling me. I asked to speak with a supervisor and received push back before being transferred to a random persons voice mail. I left a message and still have not received a call back as of this complaint date of XX/XX/XXXX.
I immediately began the long process of calling them back and after 20 minutes was able to speak with rep XXXX ID # XXXX. After going again through the entire issues he instructed me he would again escalate the issue and notify the loss mitigation team that the documents were received and they needed to update the system and process to under writing. This is now 2 weeks beyond their 5-7 business day processing time frame that this was supposed to be done by and 3 reps in who stated they would escalate the issue and resolve. To confirm this would be done I requested to speak with a supervisor, again received push back and again insisted I speak with them. I was able to speak with a XXXX XXXX who stated she was part of the management team and after again explaining the issues and my concerns was told she would include the loss mitigation management team to the email notification. After requesting a call back she stated they dont do that. Even though XXXX was able to do so I just let that go and stated I would be calling the next day to verify this has been done.
Before I could call the following day I received a collection call from AmeriHomes made by rep. XXXX ID # XXXX who informed me that even though we have not yet defaulted on our loan we had been placed on a collections call list with AmeriHome Mortgage.
I did not let him off the phone instead took this opportunity to confirm that the notes had been added to my file as XXXX XXXX stated and that my issues were sent to management as stated as well. He informed me that loss mitigation has not updated my file as required and that they did not see an email to the management team. After a long conversation XXXX XXXX stated he had included his manager XXXX XXXX to the situation and that he would meet with the loss mitigation managers XXXX XXXX and XXXX XXXX XXXX ( XXXX, not sure on this name ) and that someone would be calling me back to address and correct ASAP.
Come XXXX Arizona time on XX/XX/XXXX no call back so I called again to verify what is happening with our file. I spoke with rep XXXX XXXX ID # XXXX and was again instructed they were waiting for documents already received and that the system had not been updated and saw no notes from XXXX XXXX or other management team members. She immediately got a supervisor involved a XXXX XXXX who promised to speak with XXXX XXXX and the management team of loss mitigation and would call me back ASAP same day. No call back nothing as of XX/XX/XXXX.
We are now 3 weeks behind on getting our hardship request to the underwriter who has 30 days to process the request and approve or deny and this is because the loss mitigation department has failed to hold to their 5-7 day requirement and promise to customer to review and update the file. Not to mention the fact we are receiving collection calls for a debt we have not defaulted on as of today.
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| 09/22/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Below is the email string I have submitted to Amerihome. A representive, ( XXXX in KS ) gave me this email as the last contact I had w Amerihome prior to sending the email. There has been no response to the emails, and I haven't received a bounce back email stating the email address isn't valid.
I have been trying to work w Amerihome to get my payments correctly noted in the system. In XXXX, I was sending two payments monthly. Amerihome would return the payments to me stating that 'when we receive a payment that doesn't satisfy the payment due, we refund the payment '.
When I called in to make sure Amerihome wouldn't report me late, I was informed that two make bi-weekly payments, Amerihome must schedule autodraft. We set up the account, I continued to make payments that were initiated from my bank until it was confirmed that XXXX XXXX payments would start being deducted from my bank account via auto draft.
On XX/XX/XXXX, my credit monitoring service informed me that Amerihome had reported me as a late pay. I have had issues in the past w Amerihome doing this-They refuse to contact me if they don't receive payment on time. They show in incorrect phone number when I call in and I always ask to correct the number. As stated below the automated call center states a ( XXXX ) area code associated with my loan. I have never had a XXXX area code contact number.
After hours of trying to get through, XXXX ( KS ) finally stated she didn't understand why the auto draft feature wasn't working properly, and after I immediately paid the loan payment due for XXXX ( and XXXX ), she stated that she couldn't get the answer from collections department as to why the auto draft didn't work properly and that I 'would be hearing back from Amerihome soon. ' I haven't heard anything back from Amerihome after two emails sent to Amerihome requesting they respond as to why they can't get payment system corrected. They continue to report me late to credit bureaus and are ruining my XXXX with their continued disregard to credit payments properly, and auto draft payments properly.
I am tired of having to deal with this company and their disregard to correct the situation. In XXXX they issued a correction to the credit bureaus stating I was never late on my payments. I have still yet to see this reflected by the credit bureaus. Now they have sent another 30 day late pay notice to credit bereaus and their own staff has stated they don't know why this would happen as they don't show me being late on my payments in their loan servicing system.
Clearly this servicer has too many loans and can not properly service a simple request to apply XXXX payments to my loan, monthly, even after we set up the bi-weekly payment request according to their own procedures.
I will go ahead and file w CFPB since you have had since Tues to acknowledge this complaint and you have elected to disregard.
From : XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX XXXX To : XXXX Subject : ATTN : Research Dept Credit Dispute-Urgent Matter Regarding Loan XXXX I am writing this letter in response to a repeat issue with Amerihome Servicing. I am continually spending too much time dealing w Amerihome not getting my payments and reporting me delinquent to credit bureaus. This happened in the spring, and you eventually rescinded the delinquency, but I have yet to see the update on my credit bureaus.
I was making two payments, plus paying extra towards principal each month. Since the first payment wasnt enough to satisfy the amount due, Amerihome would send my my payment back to me. To rectify the issue, Amerihome had me set up for auto draft where Amerihome pulls the payment from my checking account. It was confirmed to be set up for XXXX payment ( s ). Now, Amerihome has, for a second time, reported me as delinquent to credit bureaus, without ever attempting to reach me at my number or contact me.
According to your automated system, Amerihome keeps requesting confirmation of the number associated with my account as XXXX number. That is not the correct number ( I have never had a number w a XXXX area code ). My number is XXXX.
As of XX/XX/XXXX, that Amerihome has again, reported me delinquent for XXXX payment. Again, no notice from Amerihome that payment didnt go through, rather, Amerihome just reports me as 30 days late. None of the Representatives I have talked to in the past 48 hours have any idea why I am being reported late. I have spent, in the past two days, no less than 5 hours, trying to resolve this latest issue, which has nothing to do with a failure on my part. The latest attempt to fix this issue was with XXXX ( from KS ). XXXX could not understand why the drafts havent gone through as they are scheduled to. Our call started at XXXX XXXX CST and went on for close to 60 minutes. She tried to get an answer internally, but did not hear back from the department that handles auto draft fails while we were on the call.
I immediately paid the balance owed when I first noticed the problem ( according to my credit monitoring service ), and yet, that payment hasnt been drafted from my checking account. I have XXXX faith that you will actually not continue doing the same thing month after month.
You are forcing me to have to file a complaint w CFPB if this situation can not be rectified, ASAP. I need someone from Amerihome to call me to explain why XXXX can not get this corrected. Your hold times for 30 minutes, when I do talk to someone, they cant help me, or the system is currently down. I work with loan servicers every day, and I have never, in 25 years of being a mortgagor, have ever been late on a payment until Amerihome. I can not believe Ameirhome doesnt have better technology to communicate with borrowers considering the size of the subserviced loan volume.
Please contact me at XXXX by Friday, XX/XX/XXXX by XXXX CST.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I requested for a loan modification due to my income changing and being a single parent going through a financial hardship, at that point but I am out of hardship now and declined that loan modification because it was not a good program that the bank was running. One department doesnt talk to the other department they are unorganized and have lied to the credit bureaus. Note that I was current and paid up to date before I entered into the modification when I applied, I did not apply because my house was foreclosing or because I was behind. I applied to get a head start and try and get my payment down to an comfortable payment. I had a lot medical bills in XX/XX/XXXX and a negative situation happened to my sons dad and he no longer could pay his child support. I am a single mother and was trying to see if I could make my bills a little manageable I was never on default of my loan.
My account has been in good standing and I have never been 30 Days late in the history of my loan. When my modification started I was current and I have paid the loan modification payments as agreed and scheduled. I started getting letters in the mail in XX/XX/XXXX about my loan being past 30 Days late and going in to default. Every time I called in and asked what was going on and why I received these letters they said every thing was fine and to ignore the letters, that they generate automatically. I continued to pay the modification payments as agreed I paid XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as agreed. Then I had got a notice from my credit monitoring company XX/XX/XXXX saying that my score went down and when I looked to see why it said that Amerihome ding my credit negatively saying more then 30 Days late. This has dropped my credit down and my good payment history down 100 points!! I called right away to corporate office to see why that happened and the agent XXXX the first person I spoke with kept trying to tell me that I was late when I got the modification and that is incorrect. I think this company assumes that every one is late and in default when they look into modifying it but that is not the case for me.I tried to explain to her what was happening and asking why would Amerihome report to the credit bureaus I was over 30 Days late when I was doing everything I was supposed and making the modifiction payments paying as I was supposed to.
This program is supposed to try and help some XXXX not destroy Their life and their credit and I am very dissapointed about this. I work really hard at keeping my credit in good standing and trying to be proactive with my mortgage and the agents do not care and they do not know what they are talking about. The second person that I talked to twice after going back and forth with XXXX which her name is XXXX I got a little further with and she was a little more polite.
This needs to fixed because it is not fair to punish me for doing what I was supposed to do. Ive seen people leaving reviews and complaining about how the loan modifications only XXXX them over in the end and I will fight this all the way. Credit is life and its all I have at this point and it has been ruined. The late fee needs to be taken off because I was never 30 days past due.Every time I made a payment they didn't apply the payment at all and it showed on the statements that it was a partial payment unapplied instead of a loan modification trial payment.
At this point I am no longer in the loan modification trial period and I have declined the modification an have paid the difference to make my loan back current and back to its regular schedule.
I disputed this with all three credit bureaus Here is my proof and break down of XXXX and XXXX payments not being late and my credit report does not show XXXX being late it shows XXXX, which is still incorrect. Every time I needed to make a payment I had to call in because there system was not equipped with the technology to take modification payments online. The terms of the loan modification were from XX/XX/XXXX to XX/XX/XXXX.
XXXX agreed payment for trial period 4 months at any time during the trial period I can decline that modification agreement and everything would go back to regular payment.
Paid XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX ( sat on hold and had to wait for a call back XXXX days later ) Paid XXXX XX/XX/XXXX ( bad credit mark put on due to errors on there part taking my payment but unapplying it says it on the statements ) Declined loan modification XX/XX/XXXX due to there error and neglect of applying the payments incorrectly and bad customer service Paid the difference of {$240.00} to catch my payments back up and get rid of the loan modification My balance statement had an incorrect balance that needed to be corrected new statement was sent out XX/XX/XXXX with current correct balance due for XXXX {$1000.00} ( unknown {$120.00} fee applied to to this balance. It should be {$960.00} XXXX for XXXX is {$1000.00} so how did I not pay XXXX on time or not pay it all when all these statements show that I did?
I am not currently in a loan modification because Amerihome doesnt know how to run it correctly and their customer service is not properly trained to apply payments correctly for modifications.
My loan should have never had a XXXX late payment applied to it and this needs to be correctly immediately or I will take further action against XXXX. Correct your invoices and information in the system before you start going and reporting bad marks on peoples credit.
I disputed with all three credit bureaus and XXXX responsed back saying I was in a payment arrangement and my XXXX payment was late when clearly the statements and letters show it was not late. 30 Days late for XXXX would XXXX XXXX XXXX and I paid it XX/XX/XXXX. Take off the {$120.00} unknown fee and the past 30 days past due off my credit report. I am not in a loan modification.
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| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a letter from AmeriHome ( dated XX/XX/XXXX ) saying my XXXX mortgage payment was {$340.00} less than owed. I checked my direct payment with my bank account and it went through as usual. I went to the AmeriHome website and found that unbeknownst to me ( I am not paperless- statements are supposed to be mailed to my home ) my mortgage payment has increased {$340.00} per month.
On XX/XX/XXXX, I called AmeriHome. After 45 minutes on hold, the rep told me that XXXX had increased my taxes significantly last year and that my escrow fell short. He then said I could pay them {$2000.00} to fix the escrow or pay an extra {$290.00} a month ( which works out to {$3500.00} a year ... So, where does the {$2000.00} help? ). He was rude and abrupt. I told him I could not afford an extra {$4100.00} in mortgage a year ( if I go by the {$340.00} increase ), especially given the hardships with COVID. He did not acnowledge the {$340.00} increase and kept referring to the increase as {$290.00} a month.
He said there was nothing they could do. I asked for all paperwork detailing my tax and escrow changes to be emailed to my account. He said he would do so. It was not done. ( I was later told by XXXX from several paragraphs down that he mailed it ... The deadline to pay the extra money was XX/XX/XXXX which has not given me any time to have the documents reviewed before I would have to pay a penalty of {$62.00}. ) Over the weekend, I called my original real estate agent and asked if this sounded legit. She had me contact my original loan officer with XXXX Mortgage ( they sold the loan in XX/XX/XXXX to Amerihome ). The XXXX agent said that they had figured the property tax increase into the original loan and was surprised to hear of the supposed increase, which he considered rather drastic for a 2 year old mortgage.
On XX/XX/XXXX- I called Amerihome.
1st call took 4 minutes to get through the prompts and be on hold to speak to an agent. Call disconnected.
2nd call- 4 minutes + then call disconnected.
3rd call- 4 minutes + to get to the hold line for an agent. Asked to speak to a supervisor. I asked for a direct line due to the continued disconnections. She gave me the number ( XXXX ). On hold for 12 minutes. Call disconnected.
4th call- I called ( XXXX ). Takes me directly back to 4 minutes of prompts. Then the automated voice tells me the office is closed.
5th call- I call the XXXX number back. 4 minutes of prompts and then I'm on hold again and finally get to XXXX. She tells me that their offices are already closed. I tell her their paperwork and website says customer service is open M-F till XXXX. I ask to speak to a supervisor. She says there aren't any available. She says she will schedule a call back with a supervisor in a 24 hour window. Which I have no faith in because I'm still waiting for one from days ago. As for the deadline to pay without further penalty, XXXX said my account was under investigation, so the penalty wouldn't apply .... But, not one can tell me why XXXX XXXX payment is less {$340.00} when my new payment is supposedly only {$290.00} more a month, so my faith is shaky.
XX/XX/XXXX, XXXX XXXX XXXX XXXX calls me. I do not know if she was a supervisor. I was at work and missed the call. She gave me the XXXX as a call back.
At XXXX XXXX- I called XXXX ( 4 minutes of hold and listening to an automated voice telling me that this was an attempt at a debt collection call ... Which is weird since I thought they were a mortgage company ). XXXX # 2 answered ( employee number XXXX ). She refused to transfer me to a supervisor stated reason being her computer was down and could not verify my loan number. Supervisors only speak to verified customers. She put me on hold for 16 minutes to transfer me to another phone rep/non-supervisor. XXXX ( employee number XXXX ) came on and told me she could not transfer me to a supervisor as she is working remotely and that isn't possible. I informed her that the other AmeriHome reps all told me they could transfer me to a supervisor and they were all working remotely, but XXXX said they were all incorrect. I accused XXXX of lying and using deceptive practices. She told me that she would arrange a supervisor call back- I explained that would not work as I have a job and can't take random phone calls at random times over a 24 hour window. She also told me that there wouldn't be a supervisor available for me to speak to until Monday at the earliest. I told her I was recording the call ( I wasn't ) and that I needed her to acknowledge for the recording that after 3 days of trying to get to a supervisor, I would not be allowed to talk to a supervisor today. She refused to speak. I terminated the call.
My point to all of this is that there is something very not right with this company. I didn't choose them. They bought my mortgage without my consent or consultation, which I understand is just " how it's done. '' But, this poor level of customer service is not acceptable. I could lose my home over this. An extra {$340.00} a month puts me in a mortgage payment range that I wouldn't have qualified for in my housing loan. This is very concerning and possibly life altering, especially in light of all the COVID uncertainty. I shouldn't have to spend so much time just trying to speak to someone at the company, especially given the severity of the circumstances.
As a side note, I have another mortgage in XXXX on a rental property 3 miles away from my current home. This mortgage was bought from XXXX by XXXX XXXX XXXX. That mortgage has not gone up in 4 years and when it did it was like $ XXXX/month. Additionally, their website has clearly laid out any escrow changes in accessible documents. All of the statements make sense and they contact me any time there are changes. I should be able to expect the same from AmeriHome.
|
| 03/15/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I, XXXX XXXX XXXX, am a XXXX XXXX permanent and totally XXXX XXXX. I purchased a home in XXXX, Fl on XXXX XX/XX/XXXX. I immediately moved to XXXX and got my drivers license and voter registration card o/a XXXX XX/XX/XXXX to establish residency in Florida. I did this to apply for the Homestead Tax Waiver for 100 % PNT XXXX veterans for all XXXX XXXX taxes. I applied for this waiver in Late XXXX and was granted this waiver for XXXX XXXX taxes on XXXX XX/XX/XXXX.
I paid my first mortgage payment to XXXX XXXX in XXXX and did not include the escrow amount.
My mortgage was then sold to Amerihome. I called Amerihome o/a XXXX XXXX to inform them of my approved Homestead Tax Waiver and to have them exclude the XXXX XXXX tax withholding from my account. I was informed to submit a request with my approved letter from XXXX County Tax Appraisers office.
XXXX XXXX XXXX I submitted my Homestead Tax Waiver letter on XXXX XX/XX/XXXX.
XXXX XXXX XXXX I called again on XXXX XXXX and was advised by your customer service department not to pay my bill until XXXX XXXX, this would certainly be resolved by then.
XXXX XX/XX/XXXX - I called back on XXXX XX/XX/XXXX to check for an update. I was informed by your customer service rep that my incident # XXXX was disapproved because the Amerihome legal team felt that the Homestead Waiver letter for mortgage companies was poorly worded and should be rewritten by XXXX county despite the sentence. Even though values are likely to change due to ongoing analysis throughout the year, the final estimate in this case will not change. The owner will be exempt from having to pay the XXXX portion of the tax bill.
XXXX XXXX XXXX I contacted XXXX XXXX on XXXX XX/XX/XXXX and he emailed me a message based on our phone conversation the day before. He stated that XXXX county would not rewrite the approved letter. He added that in order to add clarity to the situation he had included the property tax card highlighted in the key areas, FL Statute XXXX that cites service-connected total and permanently XXXX veterans are exempt from XXXXXXXX taxation. I forwarded these items to Amerihome on XXXX XX/XX/XXXX and included my Homestead Waiver and a letter from VA that stated I was a XXXX XXXX PNT XXXX Veteran.
XXXX XX/XX/XXXX I received a confirmation email from Amerihome saying this would be resolved in 10 days.
XXXX XXXX XXXX I called back for an update and was told that no one had looked at my documents yet because they were busy. I asked for a supervisor and was put in contact with a woman whose LID number is XXXX. She stated that she had approved my tax status and entered it into the system herself. She told me to watch the website and I would see notification of these by end of day XXXX XX/XX/XXXX. She also stated that she initiated an escrow reevaluation that should be completed by XXXX XX/XX/XXXX. She also stated that I should receive my escrow overage within 7-10 days after the reevaluation.
XXXX XXXX XXXX I sent an email through the Amerihome secure message portal On XXXX XX/XX/XXXX I spoke with LID number XXXX and was assured that my payment and escrow reevaluation would occur by XXXX XX/XX/XXXX and reflect the fact that I am not responsible for XXXX XXXX taxes for this mortgage based on the supporting documents I have submitted since XXXX XX/XX/XXXX. What is my status on this issue?
XXXX XXXX XXXX I called for an update and was told that no one had read my documents and they apologized for this but yes, they saw all of my documents in the system and they would have a supervisor return my call within 24-48 hours.
XXXX XXXX XXXX I received this message from XXXX XXXX ; Dear XXXX XXXX , thank you for your inquiry regarding your loan We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused. Our records indicate that you spoke with someone via chat today. Please be advise that the tax exemption document was denied.
XXXX XXXX XXXX logged in to portal and discovered the denial response from XXXX XXXX .
XXXX XXXX XXXX I called and spoke with XXXX LID # XXXX and discussed my situation with him. After much delay he found my Homestead Tax Waiver and read the following words to me in paragraph 3 The owner will be exempt from having to pay the XXXX portion of the tax bill. I asked to speak to his supervisor or his supervisors supervisor. I was eventually connect to XXXX, XXXX XXXX. She informed me that my tax waiver was denied, I asked her to read me para. 3 of the XXXX County Tax Appraisers Homestead Waiver and she wrongly read my VA XXXX letter. I told her that was the wrong document, but it showed that they had received all of the attachments I sent to them in my second email to their tax administration email. I then told her the file name and she read par 3 in its entirety to me. This estimate is not final and at this time is only an estimate. The final value will be available in XXXX of XXXX on the Notice of Proposed Taxes ( TRIM ). Even though values are likely to change due to ongoing analysis throughout the year, the final estimate in this case will not change. The owner will be exempt from having to pay the XXXX portion of the tax bill. After reading this statement to me she stated Hmmm, I can understand why you are frustrated. I will have to resubmit this to the tax department and have them review it again. I told her I wanted to speak directly with the tax department. She said that is not possible. I asked for her supervisor, she stated that she had a manager. Her managers name is XXXX and her LID # is XXXX. XXXX would not take my call. I informed XXXX that I would be filing a formal complaint with the CFPB at XXXX today about their deceitful trade practices and their treatment of XXXX veterans unless someone called me back before then.
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| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2020 CC : XXXX XXXX, Amerihome CEO ; XXXX XXXX, Amerihome COO ; XXXX XXXX, Amerihome CRO ; XXXX XXXX, Amerihome EVP Head of Operations U.S. Representative XXXX XXXX U.S. Senator XXXX U.S. Senator XXXX XXXX XXXX, Co-mortgagee To Whom It May Concern : I have now had three, very long, phone conversations with Amerihome Mortgage representatives ( Account Number XXXX ) about my property insurance bill with XXXX ( Policy Number : XXXX ). To date, Amerihome failed to pay the bill on time from my escrow on three separate occasions. The bill is now three months past due, and my homeowner 's insurance has been canceled twice because of Amerihomes violation of Real Estate Settlement Procedures Act 12 U.S.C.A. 2605. Once, which resulted in us unknowingly having no insurance in place during a hurricane.
History of Events : XX/XX/2020 - We switched our homeowner insurance provider to XXXX. I notified Amerihome Mortgage by phone and submitted the amended declaration form through XXXX that day.
XX/XX/2020 I rendered payment in the amount of {$1100.00} to my Amerihome escrow account to cover the new homeowners insurance bill.
XX/XX/2020 - I was notified by my new homeowners insurance company, XXXX, that the bill was never paid. I contacted Amerihome mortgage and spoke with a representative in the insurance unit that assured me a check was being sent to XXXX that day. We verified all billing information was correct and was documented appropriately in my loan administration portal, as well as on XXXX XX/XX/2020 My homeowners insurance policy was canceled for failure to pay.
XX/XX/2020 My home was hit by Hurricane Zeta XX/XX/2020 - I was notified by XXXX they never received payment from Amerihome and had canceled my insurance policy. I called Amerihome and again spoke with a representative in the insurance unit. The Amerihome representative and I conference called with my XXXX homeowners insurance agent that afternoon. We begged for the policy to be extended so it would not have to be reissued. After obtaining supervisor approval XXXX extended the policy The Amerihome representative assured the XXXX agents and I that he was faxing over information right then and sending a check by priority mail that day. He left extensive notes in my file to document the conversation. We again, verified all billing information and declaration forms were correct.
XX/XX/2020 - I received yet another message from XXXX that Amerihome Mortgage had STILL not sent a payment and that they are again canceling my homeowners insurance policy. I called Amerihome Mortgage again tonight ( XX/XX/2020 ) and spoke with yet another Amerihome representative in the insurance unit. The individual could see all of the notes in the account and verified that Amerihome yet again failed to send payment. The representative had no idea why Amerihome and yet again failed to send the payment. We triple checked to ensure that all policy information was correct. I can see in my Amerihome loan administration portal that all of the billing information is accurate. We went into XXXX and again verified all of that information was correct again.
XX/XX/2020 - In order to stop XXXX from, rightfully, canceling my homeowner 's insurance, again because Amerihome is now three months past due on the bill, I paid the minimum due for the policy out of pocket. Proof of that payment is attached to this email, as is the latest amended declaration.
Violation of RESPA : The state of this is an extremely poor reflection on Amerihome Mortgage. Not to mention, this significant failure means that Amerihome is in violation of the duty of care responsibility under the RESPA 12 U.S.C.A. 2605, for failure to pay a bill out of escrow by the deadline. Further, this issue could have opened Amerihome up to huge liability and risk. After Amerihome said that they were sending payment in the conversation on XX/XX/2020 and failed to do so by the deadline, my insurance was canceled on XX/XX/2020 for failure to pay ; two days prior to my home being hit by a hurricane on XX/XX/2020. I had no knowledge that the insurance was canceled due to Amerihomes failure to pay when we weathered the hurricane. My home sustained no damage from the storm, luckily, because Amerihome would have been liable under section f ( 4 ) which states : ( 4 ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicer 's own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary for the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid.
Further, we were charged a {$5.00} fee for the nonpayment and our insurance premium increased by over {$40.00} ; both of which are further violations of RESPA. The communication we have received from XXXX about these issues is attached.
As a policy and financial crisis scholar, I strongly recommend that Amerihome view this incident as a symptom of a systemic problem that is creating a significant source of liability for the company. Take time to evaluate what has gone wrong, and fix it. I, for one, will be filing paperwork to eliminate my escrow account and doing everything I can to move my mortgage from Amerihome in the very near future. I am submitting a complaint with the U.S. Consumer Financial Protection Bureau of this issue and filing a complaint with the XXXX XXXX XXXX.
Respectfully, XXXX XXXX XXXX, XXXX .
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| 05/30/2017 |
Yes |
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- Trouble during payment process
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Web |
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I fell behind in my payment on my mortgage due to an unexpected {$3400.00} water bill and {$2700.00} repair bill. I called AmeriHome and the agents on three separate times told me I was on a repayment plan however every document I received regarding was just simple a letter stating to call about getting a repayment plan and several late notices. No repayment documents that needed to be signed and returned were ever received. I saved all the money until I could I got caught up, as AmeriHome blocked all methods to pay them the money I had, for all but the 1 month payment. On XXXX XXXX 2017 I called to make the payment and the AmeriHome Rep said I had to send it XXXX XXXX and gave me the amount of {$6100.00}. I went to XXXX XXXX that same hr. and sent them the total amount in 3 back to back transactions as required by the XXXX XXXX XXXX due to the large amount. I the called the agent back as I was instructed by the AmeriHome Rep with the three Transaction numbers. The rep confirmed the XXXX XXXX payments were received on the XXXX and they would be credited to my account on Monday the XXXX. I received 3 calls that week from AmeriHome about being. However each Rep saw the payment and said just be patient it was being processed. The following week On XX/XX/XXXX a male rep said he did not see any payments or any notes, I called back and a female rep said she saw half of the payment {$3100.00} showing but the other {$3000.00} which she also saw had not been accredited yet, but she would forward it up to her supervisor to fix and my online account would be restored by the next day. After 13 more calls I was told I did not send enough and the payment was being returned. I said I sent the full payment that was dude and I was told and I recorded the call I only sent {$3100.00}. and there was no other {$3000.00} it did not go through. I doubled checked my account and then confirmed with XXXX XXXX AmeriHome using the name XXXX XXXX XXXX XXXX had accepted all three payments and acknowledged AmeriHome did with numbers for each transaction. In late XXXX I received a check from XXXX XXXX XXXX XXXX XXXX for {$3100.00} dated XXXX XXXX 2017. On XX/XX/XXXX again under XXXX XXXX XXXX XXXX XXXX AmeriHome sent Via XXXX XXXX {$3000.00}. I wrote AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35. The letter read as follows Your company rejected the full payment I made on XXXX XXXX 2017 in the amount of {$6100.00}, which was the total due on XXXX XXXX 2017 as told to me by your telephone rep in a recorded call in violation of 15 U.S. Code 1639f - Requirements for prompt crediting of home loan payments. This payment was received and accepted by your company under the name of XXXX XXXX XXXX XXXX during your business hours through XXXX XXXX as your company requested at XXXX on XXXX XXXX 2017 with reference acknowledgement number XXXX, for tracking numbers XXXX for {$3000.00} dollars, acknowledgement number XXXX, for tracking number XXXX for {$3000.00} dollars, and acknowledgement number XXXX for {$120.00} dollars for Money Transfer Control Number [ MTCN ] is : XXXX. o ( a ) IN GENERAL In connection with a consumer credit transaction secured by a consumers principal dwelling, no servicer shall fail to credit a payment to the consumers loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, except as required in subsection ( b ). You mailed a check for {$3100.00} on XXXX XXXX 2017. You reverse tracking numbers XXXX for XXXX dollars stating insufficient funds on XXXX XXXX 2017. ( The check will not be cashed nor will the XXXX XXXX be picked up so you can correct your error within your system ) Your company did not properly credit the payment that I made on XXXX XXXX 2017 in the amount of {$6100.00} dollars. This payment should have been credited to mortgage payments. Your company failed to credit the payment I made on [ XXXX XXXX 2017 ] as of the date of receipt. I received a call regarding them being in violation of not properly posting the payment, and the agent after another week acknowledge that upper management had said AmeriHome was at fault. The rep, XXXX XXXX employ ID XXXX informed me AmeriHome put a stop payment on the check and would speak to someone to get the XXXX back they refunded through XXXX XXXX. I informed AmeriHome they needed to use the payment number they sent. I then called XXXX XXXX and was told AmeriHome would have to send a rep to pick up the funds like everyone else. A senior Rep at XXXX XXXX informed me in AmeriHome had 15 days to reverse, before a in-person was necessary. I received another call from AmeriHome informing I had to go get the funds and send it back to them. And they would not clear up their error unless I also sent the other two payments they have refused. I let the rep know that was not the resolution AmeriHome senior reps offered. I was told AmeriHome just needed me to get that payment and send it back and they would unlock my account so I can pay normally, and my account would be made current. As of XXXX XXXX 2017 I still have no confirmation AmeriHome has credited my XXXX XXXX 2017 payment of {$6100.00}. Furthermore my account is still locked and I can not make a payment, other than XXXX XXXX, as I was told more than two months ago now that my account would be unlocked. The rep also informed me from AmeriHome they would be starting a foreclosure action for nonpayment. I received a call today AmeriHome contacted my insurance company and is trying to cancel my home owners insurance policy and put AmeriHome 's policy in place. This illegal unethical mess has caused me to be hospitalized twice for XXXX, over the past two months.
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| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, AmeriHome Mortgage Company bought my loan made in XX/XX/2020 by XXXX XXXX. Amerihome is claiming that there was a fax request inquiry for a payoff amount made by a third part on XX/XX/2020 for a rush payoff resulting in a {$5.00} charge to my account. This was 18 days after they bought the loan and was not initiated by me or approved. I have called in and spoken to a Supervisor and emailed several times to request removal of this fee and they refused. They also refuse to tell me who requested payoff, show me the fax, or provide additional proof of my approval for this service and resulting fee. The refuse to refund the charge and this must be in violation of the banking and home mortgage rules. I would not try to refinance a loan that is 60 days old. There is further issues with escrow inaccuracies that i am having to file under a different request and their responses have consistently been they don't have to fix their errors.
When I asked for my approval of the rush, all they said was it was faxed in using my SSN, which is readily available and they will not provide the requests name or fax. This is predatory and they can continue to charge fees without my approval for services is predatory and unethical.
my email chain is below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/20 You didnt read my email. I DID NOT inquire about a refinance with any financial institution. I DID NOT approve anyone faxing you an inquiry. I DID NOT approve you provide a pay off response. Therefore, the charge is invalid and the state guidelines do NOT apply. You need to provide me with the fax request and party who inquired on my behalf and prove to ME that this was approved per state guidelines ; or it is an illegal fee. Stating someone requested it and I am liable for fee is illegal, as you should know and is an illegal charge without my approval. It MUST be refunded based on my email below and you have not provide any proof that it was approved by me. Again I DID NOT ask about a refinance on a brand new loan- that is illogical and no true. Sending a formal complaint to CFPA if this is not corrected in next 48 hours. I suggest you escalate this to someone who can address this correctly.
XXXX XXXX Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. Thank you for allowing us to be of service to you.
Subject Incorrect Fee Reversal Response By Email ( XXXX XXXX ) ( XX/XX/2020 XXXX XXXX ) RE : XXXX Dear Borrower, Thank you for your recent inquiry regarding your fees.
There is a {$5.00} fee that is assessed to accounts when there is a rush request to obtain payoff statements via fax. According to your account, there was a payoff statement ordered via fax XX/XX/2020. The statement was faxed to XXXX ( XXXX ) XXXX. If at any time you inquired about a refinance, authorization to obtain this statement may have been provided.
Please be advised these fees are assessed per your state payoff statement guidelines and is non-refundable. Please contact the financial institution you were communicating with regarding this statement fee.
*We do inform all parties of this fee before the process is completed.
If you have any further questions, please log in to your account and send us an email through the " Message Center '' link.
Sincerely, XXXX XXXX E-mail Support Representative Customer By Service Email ( XXXX XXXX ) ( XX/XX/2020 XXXX XXXX ) XX/XX/2020 Subject : Loan Number : XXXX On XX/XX/2020, Amerihome charge my account an incorrect fee of {$5.00} for a Payoff Rush Handling Fee and I have spoken to a Supervisor who refused to reverse the fee. I did not approve this process nor did I approve *any* outside party to process this on my behalf. Your Supervisor could not tell me who requested this or the information used for approval. This charge is both and incorrect and illegal fee that needs to be reversed immediately. This loan was made 2 months ago and Amerihome purchased it one month ago and there has been no request for payoff by me. If you received a request w/my written approval, provide this information immediately. Otherwise, refund the fee and respond in writing. My next step is a formal complaint with the Consumer Financial Protection Agency so assume someone has a {$5.00} approval authority to handle this now. AmeriHome Mortage
Company XXXX XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX Please waive incorrect {$5.00} fee and if you need more information, please call XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX - Headquarters : XXXX XXXX XXXX, XXXX, Virginia XXXX, XXXX.
XXXX XXXX XXXX -- This message is transmitted to you by or on behalf of XXXX XXXX XXXX or one of its affiliates. It is intended exclusively for the addressee. The substance of this message, along with any attachments, may contain proprietary, confidential or privileged information or information that is otherwise legally exempt from disclosure. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient of this message, you are not authorized to read, print, retain, copy or disseminate any part of this message. If you have received this message in error, please destroy and delete all copies and notify the sender by return e-mail. Regardless of content, this e-mail shall not operate to bind XXXX XXXX XXXX or any of its affiliates to any order or other contract unless pursuant to explicit written agreement or government initiative expressly permitting the use of e-mail for such purpose.
Question Reference # XXXX Date Created : XX/XX/2020XXXX XXXX Date Last Updated : XX/XX/2020 XXXX XXXX Status : Solved
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| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX my mortgage with AmeriHome mortgage was placed into emergency forbearance after hurricane Irma. Forbearance started XX/XX/XXXX-XX/XX/XXXX. I contacted Amerihome mortgage XX/XX/XXXX after receiving a billing statement that shower passed due account, was told that my account was in forbearance and to ignore any past due statements. I asked how I would repay at the end of the forbearance and was told when the forbearance ended I would be contacted to discuss my options for repayment/modification of the disaster forbearance.
XX/XX/XXXX when I had not been contacted to arrange for modification of my loan, I again contact Amerihome mortgage to discuss repayment/modification. They asked if I had damage to my house as a result of hurricane Irma, which I did. They offered to extent my forbearance to allow me the funding to make additional needed repairs to my home. The forbearance was extended through XX/XX/XXXX. I asked how I would repay the forbearance, I was told when my forbearance period ended I would be contacted to arrange repayment/modification of the forbearance.
XX/XX/XXXX I began contacting Amerihome mortgage to discuss repayment options, so I would be prepared for my repayment plan. I was told they could not discuss repayment/modification with me until the forbearance period has ended.
XX/XX/XXXX I called AmeriHome mortgage to discussed modification/repayment options, I was told I could 1 ) repay is full 2 ) pay 50 % now and then the remainder over 6 moths or 3 ) apply for modification. I choose to apply for a modification. I was told documentation would be sent to me to complete and I would be contacted to set up an inspection of my home repairs. I was told not to make a payment at this time, as I was currently applying for disaster modification.
XX/XX/XXXX after not receiving any paperwork or call from inspector, I called Amerihome mortgage and was told the modification was still in process and I would be contacted, not to make a payment at this time. I received a voice message from the inspector XX/XX/XXXX, and attempted to call back to no avail.
XX/XX/XXXX after not receiving paperwork or being able to get in contact with the inspector, I again contact AmeriHome mortgage as was told I had been denied for disaster modification, as of XX/XX/XXXX. I was given 2 options 1 ) pay now in full or 2 ) pay 1/2 now and the remainder over the next 6 months. I was told either option was available and would not negatively affect my credit score. I choose to pay 1/2 on XX/XX/XXXX, {$7000.00} payment was made on this date. I was informed my mortgage payment for the next 6 months would be {$3300.00}. I was told to ignore further notices related to late payment status/foreclosure. Confirmation # was given XXXX.
XX/XX/XXXX upon receiving my mortgage statement stating I owed {$10000.00} I called AmeriHome mortgage to clarify. I was told that my modification payment ( {$7000.00} ) was reported as a late payment and then my disaster modification had been processed incorrectly, my home was in foreclosure proceedings. She assured me it was an error on their part and they would correct the problem. She told me if I had the money to pay off the entire disaster forbearance, it would be easier to correct the problem and no negative credit reporting would occur. At this time I paid the forbearance in full ( {$7000.00} ) I spoke to XXXX XXXX.
I then received a new XX/XX/XXXX billing statement for {$2000.00} ( my mortgage payment of {$1900.00} plus a {$54.00} late fee ). I called AmeriHome mortgage to incur about the late fee, I was told it would be removed from my account and not to pay the late fee, as I did not have any late payments. The late fee was properly removed from my account. I made my XX/XX/XXXX payment without incident.
XX/XX/XXXX I received a notice that a long-standing credit card account has been closed secondary to negative credit reporting. I logged in to check my credit report to see that my mortgage payment for XX/XX/XXXX was marked 120-149 days late. I again contacted AmeriHome mortgage, I was told this was an error, they would put in a request for the error to be corrected, but this would take 30 days to show on my credit report. My credit was updated on XX/XX/XXXX, and still showed my XX/XX/XXXX payment as 129-140 days overdue.
When I contacted AmeriHome mortgage again they stated my request to fix the negative credit reporting was denied because I was in fact 120-149 days late on my XX/XX/XXXX payment. I explained the disaster forbearance was in effect until XX/XX/XXXX, then I was in the process of a modification, when the modification was denied paid 1/2 of my forbearance balance as requested on XX/XX/XXXX, then when told my disaster modification was incorrectly process and that I should pay the entire forbearance if possible I did on XX/XX/XXXX. AmeriHome mortgage stated that because I did not make a payment from XX/XX/XXXX-XX/XX/XXXX my loan was considered late for that entire period of time. I requested to dispute this, due to the fact that the loan was in forbearance not late. I was that informed I would need to dispute via the credit bureau. I filed a dispute to all three credit bureaus : XXXX, XXXX and XXXX. I was notified by XXXX XX/XX/XXXX my dispute have been updated ; the update now shows my XX/XX/XXXX payment status as 180 days past due. I attempted to re-dispute with XXXX, but was denied.
Since this erroneous negative credit reporting I have had 3 accounts closed, and 3 accounts will limits lowered. My credit score has significantly dropped due to severely delinquent payment status and high ratio of debt to available credit ( secondary to closed cards and lower limits ).
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| 05/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Initially, my mortgage was with XXXX. Without my acknowledgement, it was immediately switched to AmeriHome Mortgage Company. My first payment was made via certified check, then mailed to XXXX ( as instructed at closing ). XXXX forwarded the check to AmeriHome, then sent me verification via fax. I contacted AmeriHome, whom stated that it had not been processed- which was not unusual considering it was a new loan. AmeriHome stated it could possibly take several months to get everything in order. AmeriHome assured me that no late fees or issues would accumulate during this transition. I was instructed by AmeriHome not to have payments drafted from my account during this time-stating their system would not recognize my loan being current, possibly resulting in an additional mortgage payment being drafted. Nonetheless, the same issues have yet to be resolved, and more issues continue to accumulate. I have contacted AmeriHome repeatedly- often resulting a conversation that is 45 minutes or longer- in which, Customer Service states they have limited accessibility to my account and are not authorized to make changes. Nevertheless, they offer to narrate a message regarding all issues and concerns discussed. In an attempt of resolution, I visited my bank. All purchased certified checks were reviewed in conjunction with dates cleared. Only one purchased certified check remained unprocessed. For this reason- my bank voided then reissued that particular check ( in which I mailed to AmeriHome , along with my scheduled monthly payment ). In addition, more complications proceeded. I received housing tax omission papers. I contacted my local tax office explaining AmeriHome 's responsibility of payment due to escrow. They advised me to contact AmeriHome. I notified AmeriHome concerning nonpayment of taxes, and again addressed that all my payments were not posted to my account. AmeriHome requested I fax them a copy of the letter. In addition, I obtained copies of all purchased certified checks and verification of dates cleared from my bank. All information was forwarded to AmeriHome Research Department via fax ; confirmation of delivery was acquired. Per AmeriHome, the documents would be audited to assure a resolution was achieved. I was informed that the process could take up to a week- if not possibly longer. Despite my lenience and efforts of elucidation, nothing changed. Consequently, I contacted AmeriHome Cooperate Office for assistance. She stated that she would correlate with the Research Department, she also stated it was not necessary to resubmit fax. I switched my payment method to online banking to make confirmation of posted date more accessible. Assuming that AmeriHome Cooperate office had examined my account, I set up extra payments online. Soon after, I was contacted by AmeriHome whom informed me that partial payments were not accepted- As well as, proclaimed that the payment would be returned. I expressed the situation, including the involvement of AmeriHome Cooperate staff. In XX/XX/XXXX, I came home to a note taped on my front door from AmeriHome requesting I contact them due to nonpayment. Due to unseen events, my already busy life has recently became exceptionally more tireless. Upon receiving the letter, I set up an additional payment via online banking ( in addition to my scheduled monthly payment ). I then contacted AmeriHome, informing of the additional payment with hope of reducing any additional unnecessary stress they have habitually and routinely been known to cause. I informed them I planned to reexamine all payments with my bank, then resubmit the copies ( yet again ) as soon as I was able. Within days after both payments had cleared, AmeriHome contacted me again requesting XX/XX/XXXX payment. I explained that two payments were paid ( and cleared ) in XX/XX/XXXX. She stated she did not know why it was still showing as unpaid, that she would leave a message requesting it be fixed. I later spoke to another guy for AmeriHome Customer Service, I attempted to explain simple math. He could visibly see that altogether- 21 payments were due. And altogether ( visually available ) 21 1/2 payments were made. I explained that even with his limited accessibility to my account, it is a half payment ahead! He stated he doesn't have the authority to correct, he can only narrate a request for review. He said the Research Department was currently researching. I explained they were supposed to be researching an assumed " reversal '' payment, that has been clarified by my bank twice as received/cleared! Therefore, I have actually paid 22 1/2 payments altogether, yet they have continuously reported 30 day delinquency towards my credit. Yet again, nothing has changed. I recently requested insurance information regarding my policy. To my surprise, my home was not insured through my agency. They were not aware my mortgage was with AmeriHome, stated XXXX was still listed -and- my policy was cancelled 60 days following purchase because no payment was ever made! I have absolutely no trust left. I am convinced AmeriHome is extremely fraudulent, dishonest, and corrupt. I am strongly considering legal advice. When I research AmeriHome online, all reviews are negative and chillingly similar. I can't imagine how others are being mistreated. I can manage to pay an additional mortgage payment without causing myself/family grief. Nonetheless, it pains me to think of how many families have been victimized and tormented by their cruel, unethical, and negligent ways- and unable to make additional unnecessary payments.
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| 03/17/2021 |
Yes |
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Web |
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The issues described below and supported in the documents attached stem from the handling of a request for loan modification under the Cares Act. Our loan servicer is Amerihome Mortgage. We have an FHA loan that was originated in XX/XX/XXXX
In XX/XX/XXXX, in anticipation of reduced income related to the Covid Pandemic, we sought forbearance. After 60 days, it was clear that the impacts from Covid would be severe and long term, rendering payments under our then interest rate of 5.25 % untenable.
In XXXX of XXXX, we requested a loan modification and submitted the requested paperwork. From XX/XX/XXXX until XX/XX/XXXX, we were forced to submit and resubmit numerous documents, primarily due to Amerihome 's processing delays.
During this time we received numerous letters and phone calls indicating that we were not in compliance with the terms of our loan ; in addition, we were forced to re-apply to the program, not because we lacked the documentation, but because AmeriHome failed to process it timely. This of course has inflated our debt.
Finally, on or about XX/XX/XXXX, AmeriHome offered a loan modification ( of the total balance without partial claim component, which we had explicitly requested as the most appropriate resolution to our circumstances ), with an interest rate of 2.875 %. We were told that the paperwork ( the final loan docs ) were forthcoming based on our acceptance and to make sure we paid the new monthly payment amount due XX/XX/XXXX. We paid the requested amount timely, on XX/XX/XXXX, as well as made inquiry of when to expect the modification docs and the final settlement of interest accrual. We were told that the docuementation was forthcoming.
On XX/XX/XXXX, we received a call from an Amerihome representative indicating that the paperwork, i.e. the final loan docs, would be arriving shortly ; in fact, the documents arrived during the call. Unfortunately, the documents had material changes in terms, including a higher interest rate ( 3 % ) as well as a " partial claim component ''. I asked what was going on, and the agent informed me that my loan had been re-classified in error on or about XX/XX/XXXX. No notice was, or has been subsequently, sent regarding the reason for this re-classification. Additional issues with the loan docs included the failure to appropriately process and send them to the co-borrower, who resides 100 miles away, as well as the joint-tenancy description. ( Specific to the distribution of those docs for signing, AmeriHome had been informed of co-borrower status on numerous occasions, including in a written communication attached. ( which see " RE : Letter of Non-resident co-borrower ... .. '', dated XX/XX/XXXX ) Since that period of time I have been in contact with Amerihome at least 3 days per week ; it is not unusual that we need to communicate with Amerihome multiple times in the same day. Some weeks have required communication every day of the week, since often it is in response to a an Amerihome-initiated robocall which requires a call-back to clarify what the issue is. Of late, a majority of these calls have been collections related, even though we have made the XXXX, XXXX, and XX/XX/XXXX payments timely and Amerihome, through numerous represetatives, had clearly communicated its plan to provide the appropriate docs.
Between XXXX and today to-date, we have received numerous assurances that the paperwork would be corrected. Each time we call Amerihome, a loss mitigation representative sends an email requesting an update from some other internal group ( s ), to no avail.
On XX/XX/XXXX, an Amerihome agent said that we would have to re-apply for a loan modification, since we had been sent a formal denial letter on XX/XX/XXXX. Ironically, this denial letter is related to the loan docs that were sent and generated for the terms which we were never offered and for which Amerihome can not reasonably claim mutual assent.
On XX/XX/XXXX, an Amerihome agent said to " hang on '' while they attempt to get the issue resolved.
By our estimates to date, Amerihome 's delays in processing added an additional {$30000.00} in interest. This amount grows daily.
We assert that not only is AmeriHome in breach of contract, it also appears to be engaging in willful conduct designed to frustrate those endeavoring to avail themselves of the mechanisms the US Congress has legislated to assist those in crisis during the pandemic. It has created a system that allows them to claim an arms-length underwriting process designed to not function timely ; in so doing, they exacerbate the problems the Cares Act was designed to ameliorate. During this process Amerihome has sent us erroneous default documetation, notices of cancellation of our loan modification application, as well as continuous robocalls that we MUST consent to in order to preserve our home in reasonable expectation that Amerihome meet its service obligations.
Finally, as a debt-collection practice, this is also abhorrent, since in essence they gain commitment to pay based on, at best, misrepresentation, and at worst, fraud.
Included as attachments are references to issues we had during our initial loan modification application process. These documents do not reflect the sheer volume of material generated and sent to Amerihome, but we believe they are sufficiently concise to substantiate the above.
Thank you for your time in review and assignment of this matter.
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| 05/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2016 I was involved in the " XXXX XXXX '' that occurred in Louisiana. Our house took on over 3 ' of water and we had to complete gut the inside. During this time I spoke with Amerihome Mortgage Company about possibly allowing me to put a couple months of my mortgage on hold in order to attempt to recover money loss. Amerihome advised me that they were " there to help '' and I would be placed on a Forbearance Plan. Amerihome explained to me that the Forbearance would allow me to not pay my monthly payments while I was in the process of fixing my home and at the time of me moving back into the house the missed payments would be spread out over the entirety of my loan. One long year later, we finally were able to move back into our home. At that time I spoke with Amerihome, they sent an inspector to the property at which time they stated the home was 100 %. I was told by Amerihome to continue to pay my mortgage and I would be updated on what I needed to do with the Forbearance Plan. After two months of Amerihome accepting my monthly note, the third month I was sent my check back in the mail with an attached letter, stating that I owed them over {$15000.00} in back payments. When I called the company, they advised me that I had not filled out the proeper paperwork involved, letting them know I would not be able to pay back the full amount of the Forbearance. I explained to them I let them know many times over the phone that I would not be able to pay back all the money up front and I was never told that I would need to fill out any paperwork. The only information I was given was to start making my monthly payments as soon as I was back in the property. After a long conversation, it was determined by Amerihome that I would only be able to do a Loan Modification, due to them closing out my account being in Forbearance. I filled out all necessary paperwork and sent all documents requested by Amerihome, at which time they stated they received everything and it could take up to 30 days for the underwriter to work out something. After not hearing from anyone at Amerihome, I called them, they stated that I had not signed and dated my hardship letter and the paperwork was never pushed through. After asking why I had not received an Email, phone call or voicemail letting me know that I needed to resend my letter signed and dated by me, they advised me that it was my responsibility to call them, they do not call people asking for corrected paperwork. I resent the letter signed and dated, Amerihome advised me they had all the necessary paperwork. 3 weeks after getting a confirmation on my paperwork, I received a letter stating that I needed to send in all of my wife 's information ( bank statements, check stubs, debt etc ... ) even though she is not a borrower on the loan. After gathering up all of the necessary paperwork for her, it was also sent in and verfied by Amerihome that they had received everything they needed. 2 weeks after receiving confirmation I received an automatic dialer call to call Amerihome. When I called, the operator advised me that I needed to re submit several documents that had " expired. '' After resending documents, Amerihome once again advised that they had received all of the necessary paperwork. After 6 long months of resending documentation to Amerihome, I finally was advised that I could speak to a supervisor. The supervisor advised me that there was something wrong with my Uniform Borrowers Assistance Form, that I had placed something wrong in a box. Amerihome was now asking me for a Divorce Decree showing where I received child support or alimony. I advised that I had never been divorced nor did I receive child support or alimony. I was told that I would need to type a letter stating these facts that would have to be signed and dated. I did so, after they received my letter, over the course of two months I continued to get calls from Amerihome requesting my divorce decree, after explaining to each operator that I have never been divorced they all stated they would put that in my " notes. '' 3 weeks ago I received my 10th call asking for a divorce decree, I asked to speak with a supervisor, at that time they went through my entire file stating that they had all the necessary paperwork, most documents they had two and three copies of from being resent. The supervisor advised that they were going to make sure the Loan Workout Dept. supervisor got my file to get it pushed through. I have just received a call today from Amerihome stating that I still need to send in Tax documents that I sent from approx. 8 months ago, they say they do not have the documents and that these are the last pieces of documentation they need. This has been a 2 year long process with them, and I feel like it will never end. They constantly tell me they have received documentation and 2 weeks later I get a call stating they no longer have the documents in their files. I constantly am being told different ways to fill out the documentation because all of the operators I talk to do not give the same instructions. They have treated me and my family like we are delinquents who just decided not to pay their mortgage. Along with the stress and strain it has put on my family, my credit has been destroyed because of this, showing that I am over 180 days late on mortgage payments.
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| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I sent my payment for XXXX. AmeriHome applied the payment to the XXXX payment ( correctly ) but then also applied that payment to XXXX ( incorrectly ) and the remainder to principal. Only XXXX should have gone to the XXXX payment on XX/XX/XXXX and the remainder should have been applied to principal, not XXXX.
XXXX XX/XX/XXXX Principal XXXX Interest XXXX Escrow XXXX.
Due XX/XX/XXXX ( This was taken from the XX/XX/XXXX payment instead of waiting for the payment sent in for XXXX ) Principal XXXX Interest XXXX Escrow XXXX On XX/XX/XXXX I sent my payment for XXXX, ( XXXX ). XXXX should have been used for my XXXX payment and the remainder XXXX XXXX XXXX should have been applied to principal.
On XX/XX/XXXX I sent my payment for XXXX. AmeriHome applied the payment to the XXXX payment ( correctly ) but then also applied the amount sent into XXXX ( incorrectly ) and the remainder to principal. Only XXXX should have gone to the XXXX payment on XX/XX/XXXX and the remainder ( XXXX ) should have gone to principal, not XXXX.
Due XX/XX/XXXX Principal XXXX Interest XXXX Escrow XXXX Due XX/XX/XXXX ( This was taken on XX/XX/XXXX at the time of the XXXX payment instead of waiting for the payment to be sent in for XXXX ) Principal XXXX Interest XXXX Escrow XXXX On XX/XX/XXXX I sent my payment for XXXX. XXXX should have been used for my XXXX Payment and the remainder ( XXXX ) should have been applied to principal.
For the following months, AmeriHome received a single payment and applied only that month 's mortgage payment for that month and the remainder to my principal.
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is a clear history of the transaction being done correctly : Pay the mortgage payment consisting of principal, interest and escrow with the remainder going to principal. The exceptions to this are XX/XX/XXXX ( XX/XX/XXXX ) and XX/XX/XXXX ( XX/XX/XXXX ) in which payments were incorrectly applied.
The method used in XXXX and XXXX robs me of the gains I attempt to make, no matter how small, from paying down my principal. It allows AmerHome to falsely charge me more interest because the amount I want to pay to principal is instead just paid to the next month 's interest.
I previously spoke with XXXX at ext. XXXX and she told me she understood the problem and would have someone work on the issue. She also told me that I would be receiving an email to let me know that the situation was either being worked on or resolved. I have not received any communication from XXXX or another representative that might be working on the issue. On XX/XX/XXXX I called and spoke to XXXX who informed me that if AmeriHome corrected the XXXX payment it would make me late by XXXX XXXX month on my payments. ( Presumably because AmeriHome would not fix the XXXX payment. ) At the time we had not even discussed the error for XXXX, which I would presume, would make me 2 months late because AmeriHome is trying to make every XXXX they can off of my payments and falsely applying them to future months instead of applying them to principal.
I consistently pay {$600.00} to {$4000.00} more a month to pay down my principal in an attempt to be a good consumer but the actions taken by AmeriHome attempt to defeat that purpose. Unlike other loan providers that I have had currently and in the past there is no location that I can find on their website that lays out how they are going to apply the money you send in for payments. My loan was sold right after I signed for it and I do not have any additional paper work describing their payment methods. All of my other previous and current mortgage providers clearly laid out that first your mortgage payment would be paid then any extra paid would go towards items you were late on such as previous mortgage payments or shortages in your escrow. If you were not late on any of your payments the remainder would go to the principal unless you specifically ask for it to be put towards something other than the principal if you did not have any outstanding payments that needed to be paid. My expectation is that they would work in the same way especially since they have a history of working that way with the exception of the entries cited.
I have sent in a message to the message center on their website per the instructions from XXXX and received back a message that I am supposed to send copies of supporting documentation all of which comes directly from their website. Although I have not done so yet I will be sending a certified letter in the near future detailing this problem out yet again. I am receiving very inconsistent guidance from the support personal that I have reached out to for assistance at AmeriHome.
In addition to requesting the correction I have also changed the way that I am paying my mortgage. I was paying online through my bank. On my end it says it has a notes feature. It is unclear if this is true but I am now sending in the mortgage payment only through one bank and sending the additional principal payment in through a different bank that I am sure the notes are included and stating that it is for PRINCIPAL ONLY- Not a monthly payment. I do not trust AmeriHome to make automatic deductions if they can not even apply the payments I send in to my account correctly.
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| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020 I made my XXXX monthly payment but then realized that I should have waited to closer to the grace period end date to make this payment as I had other bills that had no grace period and were due before the mortgage. I called on XX/XX/2020 to have this {$800.00} payment reversed and sent back to me, but the lady I spoke with told me that I needed to wait 3 days before making that request. That you were not able to process a return until then. So, I did. This was my first interaction with XXXX. I thought that was accurate.
Monday, XX/XX/2020 I called and asked that the payment be returned to me. The gentleman I spoke with advised me that they would get that returned to my bank account and it would take 3-5 days for me to see that. On XX/XX/2020 I saw on the website that the payment was reversed from my mortgage account and I began watching my bank account to ensure we received the money. When we did not have the money on XX/XX/2020 I called again to see what was going on. I was told that the payment was sent back to me via check. So I thought maybe I just misunderstood the gentleman on the XXXX. So I waited because, I know that mail can take up to 7-10 days to be delivered. By day 12 I called back, this was on the XXXX. I asked that since I still hadnt received these funds if they could be voided and reapplied to my mortgage since it was the end of the grace period ( we are still under the RESPA guidelines, but I would still like to make my payments on time ). I was told no we cant do that and no other options were given to me. The lady I was speaking with was rude and didnt seem to care that {$800.00} was just up in the air. I asked to speak with a supervisor but was told that since they are working remotely, I would have to wait 24-48 hours. I feel this is a very big inconvenience since I need to make a payment, and am already out {$800.00} and will then be another {$800.00} out since I am going to make my payment anyway.
On XX/XX/2020 I called and spoke with a woman named XXXX. She didnt give me her agent ID, but she seemed very helpful. She advised that she couldnt find a check number and said that when a payment is returned, it is returned the same way it was received. She said it should have been wired back to my checking account. She confirmed with me the routing number and account number that she said the money was wired back to. I advised her that is what I thought should have happened, but was told that we were sent a check instead. She also said that seems weird that a check would be sent. She spoke with 2 of her supervisors and advised that they would stop the wire that they sent and resubmit it to me. She told me it would be no more than 48 hours before I get the money back.
When I checked my bank account the morning of XX/XX/2020, we still had not received this money. I called XXXX again and spoke with XXXX ( spell check? ). I told her that I was checking on a wire transfer that should have come through. I advised her of the payment that was returned and that this was the payment that should have been wired to me. She said that they cant wire funds 3 days after the payment is made, so they would have sent a check. She confirmed that check number XXXX was mailed to me on XX/XX/2020 and that I should have received it by now. She said since I hadnt received it she would put in a request for the check to be cancelled and a new check be issued to me. I also asked that a supervisor call me back to discuss this issue. XXXX put me on hold and started working on the tasks. The line was disconnected. I called back no more than 5 minutes later and spoke with XXXX ( agent ID XXXX ) and advised that I was disconnected and explained, once again what had happened and that I wanted to make sure that the tasks XXXX said she was going to put in for me were fully submitted. XXXX confirmed that they had not been submitted and advised that he would go ahead and submit them for me. Before we got off the call, I confirmed one more time that both of my requests were fully submitted so that I can be sure that your company is trying to get my money back to me.
The amount of customer service that I have experienced with XXXX in the last month has been sub-par. It seems like your associates need a little more training on the returned payment policy you have at your company, because being a customer who is told multiple different things, multiple times and by supervisors as well, it isnt a good feeling. It has brought a lot of undue stress to my life that I dont need to have in addition to the rest of the stress we are all seeing through these hard times. I have also had to spend time away from work in order to deal with your company to make sure that my payment is getting returned to me as I asked. As a customer, we shouldnt have to be monitoring your services and making sure that payments are getting returned, or worrying that a check may have been lost, and then shift to thinking that a wire was submitted to the wrong account number. I would like for someone to respond to confirm that my account is being worked on and that my payment is in fact getting returned to me. My family needs the {$800.00} that is floating around out there right now.
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| 08/23/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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XX/XX/XXXX RE FHA Loan Modification / Sales Date Extension Request I personally submitted full 57 page loan mod submission with supporting docs on XX/XX/XXXX.Called weekly and have notes and ID 's date stamped in a notebook.XX/XX/XXXX they wanted coborrower to sign 1 and 5 of the borrower uniform application and mom to sign her financial hardship letter and current paystubs. XX/XX/XXXX at XXXX XXXX XXXX the 10 page fax was faxed to XXXX XXXX ( supervisor of default ) fax and to the loan mod fax requesting file be moved to u/w. Last week they said they did n't have the financial hardship letter. I have proof they got it on XX/XX/XXXX in the loan mod submission 57 pg fax. They asked XX/XX/XXXX to add moms signature. XX/XX/XXXX they said they had it yet on theXX/XX/XXXX they said they did n't yet numerous people confirmed. We have recordings of them saying they have EVERYTHING required to send to submit to uw but its within 14 day window that they did n't have everything on time yet I have proof EVERYTHING was faxed XX/XX/XXXX outside the 14 day window. We are requesting that the SALE DATE of XX/XX/XXXX be pushed out 15 - 30 days. We are doing submitting an " Appeal of Decision '' to not move the Loan Modification file to the u/w and to not extend sale date to allow time for u/w. We are doing this with Amerihome, the attorney foreclosure law firm, FHA, HUD Loss Mitigation, US Senators office XXXX XXXX and I submitted a wrongful denial last night to HAMP MHA. Borrower has a legimate Medical Hardship on this case and is now recovering andXX/XX/XXXX got a full time job. She lives in the home and she wants to keep the home and is deserving of the opportunity to have her completed file reviewed by an underwriter. We need someone to review the situation and push out the sale date AND push the completed loan modification package ( which we have recorded audio confirmation of ) to the underwriting department. ) The default dept state u/w is 5 business days but they closed file MondayXX/XX/XXXX and MAILED a letter of denial to XXXX via snail mail to XXXX XXXX Monday I requested they overnight this letter AND that they fax it to me and I have n't received it. They decided Monday that because they did n't have 14 days that they were closing file and XXXX can " appeal '' and has 14 days to appeal. I have been requesting since XX/XX/XXXX for them to push file to u/w as I have FULL prove that they had ALL requested docs on the XX/XX/XXXXhich they uploaded on the 8th. From the XX/XX/XXXXto Friday XX/XX/XXXX various " Loan Counselors '' in the " Default Department '' kept asking for documents that I have proof of digital time stamped faxes we already had sent in previously. So from the XX/XX/XXXXto the XX/XX/XXXXhe file sat with all required docs for them to push to underwriting. This homeowner does n't deserve this run around and they are playing games. I have never had a bank be SO difficult and non communicative and just darn right unfair. We have spent hours and hours on the phone and no one has helped since theXX/XX/XXXX. The homeowner got a full time job XX/XX/XXXX and the income and numbers work out perfect for her to be approved to keep same payment and just tack on balance of past due. She is still recovering from serious health issues and this stress and denial of review of her file is not helping and I am afraid with the loss of work hours to try to call and communicate with Amerihome that she is at risk of losing her job. Please see attached documents proving that the file was complete as of XX/XX/XXXX Here is the Dispute : The loan modification was submitted full 57 page with supporting docs on XX/XX/XXXX.Called weekly and have notes and ID 's date stamped in a notebook.XX/XX/XXXX they wanted coborrower to sign 1 and 5 of the borrower uniform application and mom to sign her financial hardship letter and current paystubs. XX/XX/XXXX at XXXX XXXX XXXX the 10 page fax was faxed to XXXX XXXX ( supervisor of default ) fax and to the loan mod fax requesting file be moved to u/w. Last week they said they did n't have the financial hardship letter. I have proof they got it onXX/XX/XXXX in the loan mod submission 57 pg fax. They asked XX/XX/XXXX to add moms signature. XX/XX/XXXX they said they had it yet on the XX/XX/XXXX they said they did n't yet numerous people confirmed. We have recordings of them saying they have EVERYTHING required to send to submit to uw but its within 14 day window that they did n't have everything on time yet I have proof EVERYTHING was faxed XX/XX/XXXX outside the 14 day window.
There is ZERO equity in this property and there are NO jobs in this little mountain town. It is beyond me why this lender would not want to follow procedure to allow a single mother who is recovering from a serious legitimate medical hardship, who is commuting 3 hours each day to go to her job and has done and supplied everything the lender has requested in effort to keep and resume payments to have her file reviewed by an u/w. NOTE - its my understanding she submitted 4 packages last year and has made every effort to get modified to resume timely monthly payments XXXX FRIEND and licensed Mortgage Loan Originator
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| 04/30/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Hello, I am writing to show you my experience with XXXX. Here is a timeline : Last year XXXX XXXX XXXX, XXXX offered ( via calls, email, and site, reached out to me ) about a " VA Disaster Relief '' forbearance. I ignored although COVID was going on.
I then was laid off in XXXX along with 26 other people at my company.
I then got another email offering it, I went to the site and agreed to do it.
I did a 3 month forbearance ( XXXX, XXXX, XXXX XXXX, with the stated goal from the beginning that I would simply tack that on to the end of the loan, as is standard practice from what I gather ( loan modification ).
I found a new position, my forbearance period ended, XXXX offered to keep going another 3 months I didn't want to, so started making payments in XXXX and have never missed since, and XXXX said it would send me paperwork to review.
Now - this entire time since then : o 1 - the website has never reflected correct information ( Still doesn't - shows next payment is due XX/XX/XXXX XXXX o 2 - I can not make a payment online o 3 - I can not make a payment via phone o 4 - I had to mail payments, with a stamp, like it is XXXX Then, I get the paperwork, and can not possibly turn it around in the stated 14 day time frame, which included weekends, and required that all be notarized, and I needed to read, review, find a place that was open during this lockdown period in XXXX, with a notary, plus have a mortgage expert XXXX XXXX for me as well.
I informed XXXX of this many, many times. No response.
Then, XXXX also changes/updates their site - I lose all correspondence I had as you did not copy that over.
I did so on XX/XX/XXXX as well, response I got : sorry we didnt get back to you in time ... call us. I call, promise is made to send it out or extend it. I receive no feedback though.
XX/XX/XXXX - I complain that I can not call or get a person, or use the website - response " sorry we didnt get back to you in time '' XX/XX/XXXX - I am somehow able to get through to a person ( finally ), who promises the documents will be resent nothing happens, I again inquire on site, no response.
Then, I receive 2 conflicting statements, which also do not match the site. According to XXXX at this time, I have 3 different balances, 3 different payments.
I call again XXXX yesterday ) and representative " XXXX '' agrees paperwork will be resent, or even emailed if need be.
Not to mention - this entire time, XXXX has treated me horribly, no response, I also have to deal with every call it being stated to me " this is an attempt to collect a debt '' as if, I have not been paying.
I hate to say it, but I suspect, XXXX plans on not responding to me, and waiting out the clock.
Well, here is digital proof of my communication with you, if a lawyer ends up being required, then I guess I will have to go there.
I can not believe, during a pandemic, that a veteran such as myself, who has always made payments on my XXXX XXXX dollar house, has a family, works hard, has been OVERLY communicative and helpful to XXXX, and accommodating can be treated this way.
I expect, to receive my documents, so I can review and sign.
So I really hope that is clear.
I also expect, that the account will ( some time?? ) begin to be correctly reflected.
I also expect zero negative or adverse treatment of me, or against me, as I have been more than patient as well as forthcoming.
XX/XX/XXXX still have received nothing from XXXX o Working to refinance, new mortgage company discovers XXXX has not reported to the credit bureaus since XXXX o A credit XXXX tries to get info from XXXX, they refuse unless I am conferenced in, so credit specialist schedules a call o On this call, which I have recorded it took Amerihome XXXX XXXX to answer the first question, which was : when was the last payment made o On this call, is when I discovered XXXX had been misapplying my payments they had told me to start paying in XXXX even if I did not have the loan modification documents yet, so I did o However, they applied those payments on the backend, 2 months back in time o Result they are trying to claim, I am behind and have not paid on time since XXXX o My bank account clearly demonstrates I have made a payment, on time, every month, since XXXX o Prior to XXXX, I also never missed a payment o Going all the way back to the first mortgage payment I ever made in my life, XX/XX/XXXX I have never missed a payment, ever o Now XXXX has not only essentially ruined my life by making contacting a mortgage company a part-time job, they are threatening my credit, my refinance, and my familys finances with this lack of response, lying, incorrect appropriation of funds, and generally poor/inadequate customer service o I have been 100 % honest and forthcoming, they have not been o All I am asking for : to not be marked as late and to stop lying about sending the documents, and actually send them o If I am to refinance anyways, XXXX will end up having the loan paid in full anyways, so why go through all the trouble to hurt a veteran?
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| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I was contacted by XXXX XXXX, a representative of Amerihome, XXXX informed me that to keep my account current I had to pay Amerihome {$130.00} before the end of the month. I informed XXXX XXXX of my medical situation which would cause me to be late on several future payments and that I knew I would be able to catch up on any other mortgage payments by XXXX. On XX/XX/XXXX I sent that payment, see your XXXX Statement. Thank you for making that accommodation and accepting the payment. It should be noted that at the time of XXXX XXXX request, my payments were not late, my account was current. This payment of {$130.00}, was then unapplied. It has never been disclosed to me what it was used for. Amerihomes statements never show it being applied to late fees, escrow or my mortgage balance. It just disappeared.
Please find attached your statement on this account dated XX/XX/XXXX. Please note your further accommodations for XXXX, XXXX, XXXX which I also accepted. Correctly These months payments show on my credit report as paid timely. Though your records show them as being late. In XXXX without any prior notice your company began reporting my status as delinquent or late.
I believe this is violation of the CARES act which states the following : An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/XXXX, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/XXXX under the National Emergencies Act.
1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.
2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement.
On XX/XX/XXXX, I contacted Amerihome. XXXX XXXX, a representative of Amerihome, informed me to make my account current I had to pay Amerihome {$5600.00} by end of day, XX/XX/XXXX. That payment was credited, however not applied to my account, though the funds as directed were received before the end of day, XX/XX/XXXX. Late fees had not been included in the payment. My credit bureau files ( XXXX, XXXX and XXXX ) were then informed my XX/XX/XXXX payment was 60 days late. This is in violation of Florida State law which requires a creditor wait at least 15 days before reporting a payment late. Florida State Law : 494.00791Prohibited acts. ( 13 ) LATE PAYMENT FEES.
A lender may not charge a late payment fee for a high-cost home loan except as provided in this subsection : ( a ) A late payment fee may not be in excess of 5 percent of the amount of the payment past due.
( b ) A late payment fee may only be assessed for a payment past due for 15 days or more.
Additionally it violates the Code of Federal Regulations which states : 12 CFR 1026.36 ( c ) Servicing practices. For purposes of this paragraph ( c ), the terms servicer and servicing have the same meanings as provided in 12 CFR 1024.2 ( b ).
( 1 ) Payment processing. In connection with a closed-end consumer credit transaction secured by a consumer 's principal dwelling : ( i ) Periodic payments. No servicer shall fail to credit a periodic payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 1 ) ( iii ) of this section. A periodic payment, as used in this paragraph ( c ), is an amount sufficient to cover principal, interest, and escrow ( if applicable ) for a given billing cycle. A payment qualifies as a periodic payment even if it does not include amounts required to cover late fees, other fees, or non-escrow payments a servicer has advanced on a consumer 's behalf.
All telephone contacts by me to AmeriHome were from my cellphone XXXX to their recorded Customer Service number XXXX.
I have attempted to resolve this matter twice with AmeriHome through attached written communication. Each time I have been told they did a thorough investigation, their facts and reporting is accurate, so no change in their reporting will occur.
AmeriHome has taken the position that I did not ask for a forbearance, so I am not entitled to help. I did inform AmeriHome of my medical condition, which started during the COVID19 epidemic and asked for help, someone from AmeriHome gave it to me with late payments at first not being reported as late. This clearly was an accommodation, which does not require that I seek forbearance.
AmeriHome has further violated the above referenced Florida State and Federal Law.
These violations caused me harm by inaccurately reporting to the credit bureaus, causing drops in my credit rating and me to pay more for credit as well as be denied credit.
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| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my refinance of my home during XX/XX/2020. I was given a temporary payment coupon to use with an account number. I made my payment on XX/XX/XXXX using the payment coupon account number I was given. I have confirmation from my bank bill pay confirming payment was sent and received by Amerihome on XX/XX/XXXX. XX/XX/XXXX I received an automated phone call from Amerihome saying that they hadn't received my payment. I stayed on hold to speak with someone who confirmed that my payment was not received, and my account number was different than what I was given to use. The person on the phone could not help me and directed me to submit a dispute on the website to have the payment applied correctly. I wasn't able to find anything on the website so I called back the next day XX/XX/XXXX to determine how to get this payment corrected. I spoke with a representative who told me that I was given a temporary account number at closing, but that my actual account number was different. I never received any documentation to that effect because the transfer of my account information from my refinance also had my incorrect mailing address. I have since corrected my mailing address, and my account number for my ongoing payments. I also made a 2nd payment for my mortgage through the Amerihome website to make sure I wasn't reported delinquent ( just went through that with my last mortgage company and spent a couple of months cleaning that up. I was not delinquent then either ) So I have now made 2 payments for XXXX, but Amerihome only has one applied to my account. I had asked to speak to a supervisor on XX/XX/XXXX, and I was transferred and waited on hold for a while to find out the mailbox of the supervisor was full so I couldn't leave a message. I then contacted my bank to see what my options are. They said they faxed a transmittal to Amerihome that confirms my payment and I should be able to see the correction to my account within 24 hours. I called Amerihome back on Friday XX/XX/XXXX and it still had not been corrected, but the person I spoke with ( I believe it was XXXX XXXX said she would keep an eye out for the payment and contact me within a few days. I called back XX/XX/XXXX since I hadn't heard anything, and spoke with someone who told me that there was only one payment made, and that's all she could tell me. I asked to speak with a supervisor. She tried to connect me, but then came back and I was told that the supervisor would not speak with me, that this was not a supervisor call. I said, well then this appears to be either fraud or theft by XXXX, so if this isn't a supervisor call then I don't know what is. I explained that I would be filing a complaint with the XXXX and the CFPB, and I was told to do what I needed to do. I could tell the person I was speaking with was very frustrated that she couldn't help me and that her supervisor wouldn't speak to me. This is a horrible environment for a person to work in. I again contacted my bank to see what my options were since it felt like Amerihome was keeping my money and therefore stealing it from me without any ability to escalate my concern. I was literally told, I can not speak with anyone but the agent I was speaking to, and that I as a customer have no ability to escalate to get resolution to my problem. My bank again tried to contact Amerihome to fax another transmittal. My bank representative said she waited on hold for a while, finally got through to someone, then as soon as she gave them my account number, they were disconnected. This company is acting very shady. My impresssion is that they are using temporary account numbers to either steal money from people, or try to collect late fees. I was able to send a 2nd payment because I didn't want to deal with late fees or negative credit reporting, but most people probably don '' have the ability to pay their mortgage twice in one month. And I should not have had to make 2 payments in one month. I am attaching my temporary payment coupons that I received at my loan closing and confirmation of my payment on XX/XX/XXXX using that account number. I have spent at least 7 hours, with numerous calls to both Amerihome and my bank to try to get this resolved, and still nothing has been resolved. This is taking time away from my doing my job because Amerihome employees aren't doing their jobs. There is something unethical happening at this company, and I feel so helpless to get my issue resolved. This is a horrible trend that I am seeing in mortgage companies, since this is now 2 different mortgage companies in the past few months trying to get late fees, or misapplying funds. I'm really not sure what is driving this, but from a customer perspective, this is a horrible situation when I am just trying to do what I was told to do, and I am just trying to pay my mortgage, with no request for relief or any special treatment.
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| 01/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I purchased a new home with a conventional mortgage loan from XXXX XXXX XXXX. My co-borrower and I signed mortgage disclosure documents, but expressed SERIOUS concern to XXXX XXXX XXXX regarding the monthly estimated property taxes. The disclosure said our mortgage would be {$1800.00} ( which was unaffordable to me ). {$420.00} of this were due to estimated property taxes. We immediately expressed concern as this was over XXXX a typical tax amount for a home of that price. XXXX XXXX XXXX said they could fix this but that it wouldn't take affect until XXXX. Unfortunately, a few days after closing, we received a letter that our loan was sold to a new Mortgage servicer named Amerihome Mortgage, LLC.
We spoke with Amerihome. We immediately addressed our concerns with the inflated escrow amount. Amerihome stated that they determine tax amounts based on the most recent PREVIOUS homes tax bill, and because they had no previous bill, they used the amount from the disclosures. They stated if we provided the previous tax bill, they would do an escrow analysis and adjust the tax amount.
We spoke to the tax assessor. The assessor provided Amerihome with our previous tax bill. In addition, they also provided Amerihome with several written statements accompanying that tax bill. The assessor also attached several other supporting documents ( 7 documents in total ) and asked for Amerihome to contact them directly if they had any questions.
On XX/XX/XXXX, Amerihome concluded their escrow analysis based on the data the tax assessor sent. Amerihome determined that our monthly escrow amount would be reduced by {$420.00} dollars. The new monthly mortgage amount was {$1400.00}, effective XX/XX/XXXX. Much more affordable. Amerihome also stated that we would receive a refund check for {$1500.00} dollars to be received in XXXX days for overpayment into our escrow account.
Our anticipated refund check of {$1500.00} dollars was in excess of our new mortgage amount, {$1400.00}. Based on Amerihome 's statements, we decided to spend our savings money on XXXX with our families and use the refund check, arriving late XXXX, for XXXX mortgage.
On XX/XX/XXXX, we hadn't received our refund yet, so we called Amerihome again.
To our surprise, we were told that a SECOND ( secret ) escrow analysis was completed on XX/XX/XXXX to reverse the decision of the first escrow analysis completed on XX/XX/XXXX. We were BAFFLED! Why would there be another analysis immediately after one was concluded? What new data had surfaced? Why we were never notified!? AND how could we have two investigations with the same compmay and the same documents, but have completely opposite results. It immediately seemed suspicious.
When we asked Amerihome why did they do a second escrow analysis, they stated because the first was " audited '' and they did not like the outcome. At this point, it became obvious that Amerihome was working toward a calculated desired outcome and not toward a fair and equal process?
Is it legal for Amerihome to repeatedly analyze escrow accounts until the amount is whatever they desire it to be?
These are all questions that ran through our minds!
When we asked about the refund check, Amerihome stated our check had been cut, but because of the second analysis was redeposited back into our escrow account and would not come to us. BOOM! 3 days before the mortgage is due, we now have XXXX dollars! Amerihome then states our monthly mortgage amount has INCREASED. IT IS NOW a whopping total of $ XXXX monthly.
When we asked Amerihome for a third escrow analysis, to set things back straight, they stated that they legally only have to do one ( at the request of homeowners ) every 18 months.
They then stated that if they were to do another as a " COURTESY '' that they now, not only needed a previous tax bill but also needed future tax bill. In other words, they needed a document that does not exist and can not be produced, as it was explained to us by the tax asssor and auditor in our county.
At this point, it also became apparent that Amerihome was uncomfortable with outcome of the first analysis, reversed it, and then " moved the goal '' to something impossible to give it permanency.
This is SHADY! We found out only 3 days prior to our mortgage being due that we had no refund. Ultimately, we had to take out a high interest rate loan to pay for our mortgage. When we made several attempts to speak with Amerihome about our issues, our calls were intercepted by a operational supervisor by the name of XXXX who refused to let us speak to a service leader or anyone in upper management with a fresh set of ears. We called several times and he intercepted every call so that this decision would not be seen by anyone with more authority.
This is a total ABUSE OF POWER AND TRUST.
CFPB please help us!
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| 06/19/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I took a long time to file this complaint as I should have done it when I started having issues with this company. First, at the end of XX/XX/XXXX we started the refinance process with Amerihome for our home that we purchased on XXXX of XXXX. Around Mid-XXXX We finalized closing paperwork but received a call from the title agency that we were unable to close because an issue with the signature of my son as he has a stake in the property but he is a minor and needed a court order. On XX/XX/XXXX, I was able to obtain he court order and sent it to my Loan processor XXXX XXXX. On XX/XX/XXXX XXXX XXXX, our mortgage loan specialist, contacted me and he informed me the new refinancing loan would only take 10 days, since everything was already completed and all we needed was the court order and we would not have to pay the mortgage for XXXX, but this was not true and I had to pay my mortgage payment which was ( {$1000.00} more because we were short in escrow, and which was the main reason we wanted to refinance. The excuse they gave me as why it couldnt be done by XXXX was because of the covid pandemic they were behind with their workload. Which I understood so Finally, on XX/XX/XXXX a notary arrived to our home and we signed the new refinancing documents. The following day on XX/XX/XXXX I sent a payment of {$2000.00} to the title company. One week after, I reached out to XXXX and to XXXX via phone calls to see if everything was fine, but they did not answer our calls, on XX/XX/XXXX I sent an email to XXXX to find the status of the refinance, but didnt receive a reply. On XX/XX/XXXX my husband sent an email to XXXX XXXX asking her about an update, and didnt receive a reply ( So I thought everything went well, as they say no news good news ) but I was wrong. To my surprise on XX/XX/XXXX, we received a delinquency letter from the mortgage that we were late for the XXXX payment and we were due in XXXX. When I called them again, I did not get any replies, I contacted XXXX Supervisor, XXXX XXXX, and informed me that he would get back to me 24 hours and he did not, nor via by Email or Phone call. So I needed to find a way to find out what happened and was able to find the phone number of the title agency from our closing documents, and got in touch with the Tittle agency and they were the ones who informed me that the refinance couldnt be done, because the documents I sign for my son were not correct. and that Amerihome had known since XX/XX/XXXX. The tittle agency told me that by XX/XX/XXXX they had informed XXXX about the issue and that she would let us know but XXXX never had the audacity or face to inform me that my refinance wasnt finalized. And here I am thinking that my next mortgage payment would be on XX/XX/XXXX. The title company was able to get in touch with XXXX and she called me with excuses on why I was not told any of this information. She told me to pay the XXXX payment and not to worry about it since we were going to refinance it again that it would not be reported late, so I paid the XXXX mortgage on XX/XX/XXXX, and she also assured me we were going to close in XXXX. I wrote an email to everyone involved that we needed to be let know any issue that arises, that we need to be communicated on the status of the refinance so we dont have any more surprises like in the XXXX refinance. But now is XX/XX/XXXX and supposedly my file is currently with management because the XXXX payment was reported as late with the credit bureau and they are the only ones that can take this derogatory information out, It was late because of their own fault because it would not had been late if they had told me that the refinance was not done in XXXX. Now it is mid-XXXX and I had been calling and emailing, XXXX XXXX, XXXX supervisor XXXX XXXX, XXXX XXXX and her supervisor XXXX XXXX, and received NO reply or phone call, and was extremely nervous as I did not see the refinance being completed in XXXX. Today XX/XX/XXXX I received an email from XXXX XXXX explaining that due to errors on Amerihomes and the title agency we are unable to refinance. He explained the reported late payment, which they created by lack of communication, eliminates the possibility of getting the refinance done and he does not have magic wand to make this issue go away. Now I have no refinance completed, and one reported late payment which I need to be removed as soon as possible as this will affect my credit score and mi ability to get refinance done. I have been with Amerihome for over 2 years and never paid late, I don't understand why they cant remove the reported late payment, which they created, as I am doing the refinance with them and not another bank. We have worked very hard to have our credit in good standing to have it destroyed by the lack of communication of this company. Saying sorry does not fix my credit.
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I made AmeriHome Mortgage ( XXXX ID # XXXX ) aware of an issue with my taxes and insurance escrow, in which I had not yet received {$920.00} due to me for an overage per my annual escrow account disclosure statement dated XX/XX/XXXX.
Due to an illness followed by the death of my Mom, I was delayed in processing my mail that contained my escrow check # XXXX issued by AmeriHome Mortgage in the amount of {$920.00}. The check became stale dated, and I could not deposit nor cash the check. The check needed to be re-issued by AmeriHome Mortgage.
When I reached out to AmeriHome Mortgage on XX/XX/XXXX they researched the issue and told me AmeriHome Mortgage would be re-issuing the check and that the check would be mailed to my house within 10 business days ( XX/XX/XXXX ).
After 10 business days came and went ( XX/XX/XXXX ), I even allowed some extra time for delays with US mail service. However, after never receiving the check I was promised, I called AmeriHome Mortgage again on XX/XX/XXXX. I was told a completely different story this time by AmeriHome Mortgage that they could not issue me a check because my loan servicing had been transferred to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. Why did no one from AmeriHome Mortgage reach out to me to tell me this information prior to just closing out the case without ever telling me the outcome? Either they dont have staff trained to properly research an account at the forefront or they dont have a sufficient case management system in place to handle and respond to customer complaints, or maybe both?
That same day on XX/XX/XXXX, I then reached out to XXXXXXXX XXXX XXXXXXXX XXXX escrow department. Although, I also had to follow up with XXXXXXXX XXXX again on XX/XX/XXXX, I did find that XXXX at least had an escalation support system in place and company response tracking, and I finally received a written communication from XXXX on XX/XX/XXXX saying that XXXX can not re-issue a check issued by another servicer ( makes sense ) and to please contact the old servicer ( AmeriHome Mortgage ) to request a refund. Please note that funds were not forwarded to XXXX.
I again reached back out to AmeriHome Mortgage where I started to begin with and was told by their escrow department that they were escalating the case. The escrow department of AmeriHome Mortgage verified with me and confirmed that I was in fact still due the {$920.00} because my account was never credited and that I should receive a re-issued check within the next two weeks.
Again, I patiently waited the arrival of my escrow overage check that was supposed to be re-issued. After never receiving the check nor any formal communication from AmeriHome Mortgage, I yet again reached out to them on XX/XX/XXXX. I was told AmeriHome Mortgage would look into it and someone would get back to me. After not hearing anything and unwilling to wait for any additional weeks to pass, I called the company again on XX/XX/XXXX. I was told that the associate did see the case notes and that I was due to be issued a check and the check should be to my house by XX/XX/XXXX. Again, XX/XX/XXXX has came and went and I still did not receive my check. I am done reaching out to AmeriHome Mortgage after all of my previous attempts have been unsuccessful. Their servicing department is nothing but empty promises, and I seriously doubt a sufficient complaint tracking, escalation or response system is in place. {$920.00} is a large chunk of money for me, and I want the money that is mine and due back to me. Meanwhile, I have lost interest I could be making on that money if deposited and also have paid interest by not having those funds accessible to me.
I would urge the CFPB to look into RESPA Escrow Rule violations and deficient complaint tracking and response at AmeriHome Mortgage. Additionally, why did AmeriHome Mortgage not clear this issue up prior to transferring the servicing to XXXX??? Shouldnt that have been done prior to or at time of transfer? Why was AmeriHome Mortgage unable to detect and identify that I was owed this money when initially researching my account history? Why has no action been taken by AmeriHome Mortgage even after this case going to their escalation department? Why is it ok that they tell a customer that they will be sending money ( which is likely just sitting in a due from account ) to the customer and then not actually ever sending the money? Maybe there is also a system broken in the transfer of knowledge internally at AmeriHome Mortgage as well?
All I want is quick and competent action to be taken by AmeriHome Mortgage to re-issue me the escrow overage check for {$920.00} that I am due and have been requesting for the past 4 months since XXXX of XXXX.
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| 03/02/2021 |
Yes |
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, XXXX began charging me an additional {$300.00} per month. I called in the evening of XX/XX/XXXX, to question why, and was immediately connected with a representative who explained that the increase was per my escrow analysis. I asked her what had changed from the previously years, and she said my taxed had increased. I reviewed this section of my XX/XX/XXXX escrow analysis and saw that my taxes were triple what they should have been. She ( I didn't catch her name ) suggested I call my tax office to see why my taxes had gone up. I called my assessor and tax office on XX/XX/XXXX, and was assured my taxes had not changed. I asked if the wrong document could have been sent to XXXX, and the tax office told me that it could not have, because XXXX logs into their online system, just like I do. I then called XXXX and spoke with XXXX, and she told me to email my tax document to XXXX. She further told me the escrow analysis correction would take 48 hours and so to call back on Saturday, XX/XX/XXXX to confirm. I sent the e-mail on XX/XX/XXXX, at XXXX XXXX., as instructed. On Saturday, I called and spoke with a woman ( I didn't catch her name, but I noted that I was on hold for 52 minutes, and she answered the phone at XXXX XXXX She stated she did not see where any e-mail received and stated that I could only send messages through the website, not an actual email. She said to fax my tax document to XXXX, Attn : Research Department that coming Monday. On XX/XX/XXXX, I faxed the document along with a cover letter, as instructed. I sent two ( 2 ) follow-up messages through the online system that week as well, all of which went unanswered. Each time, I indicated I was hoping to get the payment amount corrected prior to XX/XX/XXXX ( the XXXX is the last date in the grace period of my monthly payment due date ). I was hoping to avoid paying additional overpayments. On XX/XX/XXXX, I again called AmeriHome and spoke with XXXX ( ID number XXXX ). She gave me another fax number to use XXXX. I sent a cover letter and my tax document to said fax number that date, along with documentation of my previously unanswered communication, and again requested they handle the situation before my XX/XX/XXXX payment was due. I received a message on XX/XX/XXXX on the website stating a work order had been opened ( even though I was also told this XX/XX/XXXX and XXXX ). I followed up on XX/XX/XXXX requesting status and was told it could take 7-10 days to complete the work order. Meanwhile, XX/XX/XXXX I scheduled my XX/XX/XXXX payment so that it was not late. I logged in on XX/XX/XXXX and saw that my payment had not been applied and the pending payment had disappeared. I contacted XXXX right away via chat and spoke with XXXX. She denied I had ever scheduled a payment until I told her I had documentation of the scheduled payment. She they assured me it wasn't on XXXX XXXX system. I asked her how to proceed and she told me to resubmit a payment. I did so, and three hours later, XXXX posted two payments for me, even backdating one of the payments for XX/XX/XXXX. When I tried to cancel the payment I had just made, the site kept giving me an error message each time, both from my phone and my laptop ( I kept screenshots of this ). I called my bank and chatted online with XXXX the next morning ( XX/XX/XXXX ). XXXX from XXXX acted like nothing could be done on XXXX XXXX end until I told him/her that I was on the phone with my bank and that my bank said it all seemed like a scam, especially since XXXX should be able to reverse the transaction. XXXX then said the transaction would be reversed and that my money would be returned within four ( 4 ) days. Although the credit for the second payment disappeared from XXXX XXXX site and the second payment initially disappeared from my banking site, it reappeared on XX/XX/XXXX! My bank couldn't be sure but said it looked like a possible THIRD payment being deducted. I have tried contacting XXXX, but now each time I try to chat, the site logs me out ( it should be noted that XXXX can trace my phone number, e-mail, etc. immediately to my loan, and they state the same during the automated communications ). Twice today, I asked about the missing payment, and they logged me out of the site within seconds. Yesterday, it wouldn't even let me use the chat feature. Also, in the meantime of dealing with the second payment, on XX/XX/XXXX, the second escrow analysis was completed, indicating my payments should not have increased by the {$300.00}. However, they claim to have issued me a refund for around {$400.00}. I have asked several times what happened to the other {$200.00} but have not received an explanation. Please help me. And help others avoid these scams!
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| 01/21/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome Mortgage of XXXX, NJ. In XX/XX/XXXX my automatic payment to my mortgage company was returned due to the draw happening one day before the money was in my bank account. I noticed that happened when I checked both my mortgage account and banking info online. I attempted to pre-empt a late payment/fee by manually submitting another payment. My manual payment was processed correctly. However, Amerihome 's automated system attempted to take another payment and I didn't want my bank account to be overdrawn. So I had to issue a stop payment against Amerihome drawing from my bank account a second time. I also had to have Amerihome return the second payment because it had been processed and my bank account was affected.
Now, for my XX/XX/XXXX payment which was supposed to auto-draft on XX/XX/XXXX I didn't realize I needed to contact the bank again to remove the " stop payment ''. So, when Amerihome 's automated system tried to draw on my account it was denied. Again, I realized this before my payment would be late ( on XX/XX/XXXX ) and I contacted the bank to remove the " stop payment ''. Then I logged onto my account in the Amerihome web portal to try to submit a manual payment but the online system indicated that I could not use that function at that time. So I called Amerihome. The bank did remove the " stop payment '' but the Amerihome rep who I spoke to on XX/XX/XXXX did not help me at all. She said she couldn't see that the payment hadn't gone through. I should have just asked to submit another payment at that time but I couldn't foresee all the trouble I was going to have issuing a payment beyond that point.
I intended to call back on XX/XX/XXXX to give time for their system to catch up. However, I was ill that day ( I even got a XXXX XXXX and have proof of doing so ). So, I wasn't able to call Amerihome again until XX/XX/XXXX.
On XX/XX/XXXX I spoke to 3 different people who each told me that the reason I couldn't use the online system ( or the phone system ) to make a payment was because they were now requiring a certified check only. I argued that the payment hadn't been denied due to insufficient funds so requiring a certified payment didnt make any sense and could I please have that waived so I could make the payment over the phone and it not be late. I was told by the 3rd person I spoke to ( Ms. XXXX rep # XXXX, in the Loss Mitigation dept. ) that she had the authority and ability to override the requirement for the certified check. She then proceeded to accept my payment with an additional fee of {$9.00}. She gave me a confirmation # of the payment transaction ( XXXX ). She said it could take up to 3 days to process the payment especially because the XXXX was a national holiday ( XXXX XXXX XXXX ).
So I have checked my banking and Amerihome accounts online everyday since and noticed once again that the payment has not been processed. Now, XX/XX/XXXX, I am on the phone with Amerihome again and have been told that the payment was never processed because they could not override the need for a certified check and that the payment is now late and that I must send a certified check. Now I am at my wits end feeling as though I have been scammed this whole time. As I write out the details of this complaint I am on hold with Amerihome trying to speak to someone with some authority to assist me.
My complaint that I wish to file against Amerihome encompasses the following : 1. Minor complaint : Their system was at fault for trying to draw a second payment after I had made an on-time payment manually. When I tried to alert Amerihome of what was happening they provided little assistance and no concern that their system might be flawed.
2. Major Complaint : That my payment was still not processed after being told that Amerihome 's system 's requirement for a certified check was overridden and having been given a confirmation number for a payment made.
a. Not honoring a payment made in good faith and, being asked to make that payment again with a late fee. This seems predatory and unethical.
b. Throughout this entire situation I have been trying to pay on my mortgage in a timely fashion. However, Amerihome has blatantly lied to me at least once and consistently blocked me from making a payment.
I believe I have made more than every effort to resolve this situation in a reasonable manor but that Amerihome is not cooperating.
At this very moment : I am once again speaking with someone in customer service ( XXXX ) who says she can override the need for a certified check and take my payment. But how can I be assured that is the case? It's as if the customer service staff don't know their own system.
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| 11/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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issue with mortgager ( AmeriHome ) XXXX XXXX XXXX, XXXX my mother XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX got a VA loan modification. I made the house payments to XXXX XXXX till XXXX XXXX when I was told that I am not responsible to paying for the mortgage. I applied for a forbearance which I was approved for and it was extended to XX/XX/XXXX. During that time, I handle my mothers estate as her personal rep. and was able to get the property changed over to me and my sisters name and we ended up getting approved for a XXXX modification in XXXX XXXX because this is a VA loan . We completed the new loan modification and it was approved and notarized XXXX XXXX, XXXX and filed with SC Court in me and my sisters name on XX/XX/XXXX.
The end of the forbearance was XX/XX/XXXX. This is when my first payment of {$1200.00} started. At the end of XX/XX/XXXX, I received a letter from XXXX XXXX and Amerihome letting me know that the mortgage was sold to Amerihome and that I should start making my new mortgage payments of {$1200.00} starting in XXXX to Amerihome.
From XXXX to XX/XX/XXXX, I made those payments each month by phone. Each time I called in by phone ( recorded ), I would ask why the modification was not updated in the system through their website so that I can start making payments online under my account. I was continually told that it takes a while to update the system. I noticed that in XXXX when I called in to make my payment that they did not know how to take my payment but was told that they did see the modified payment but due to the system not reflecting the modification, they had to check and see how to apply my payment.
They took my payment and then I received a letter in the mail in XXXX saying that I owe {$22000.00} by the next due date due to the loan being in default since XXXX.
I called to inquire why and was told that they was sending my payments back and that was all that I was told. I still made my payment in XXXX and XXXX. In XX/XX/XXXX I called in to make my payment and was told that they will not accept a payment from me and that I should reach out to their lawyer to reinstate my mortgage and I should be in contact with him from here on out because they are initiating foreclosure. Two weeks later I was served paperwork from the law office. I also received two checks from Amerihome for escrow reimbursement from my account. I paid the taxes this past year in the result of {$3700.00} and I paid the insurance on the property so I was under the impression that they was reimbursing me for that b/c I thought that the mortgage company was suppose to pay the taxes and insurance from the escrow account. I cashed those checks. Then I later checked all the statements that was sent and they applied my payments to my escrow account instead of to my principal and interest. On XX/XX/XXXX, Amerihome sent another check in the amount of {$1200.00} for misapplication reversal and a letter saying that the check is for a previous payment that was insufficient to bring my loan current.
I have been in touch with their lawyer consistently and was told that the foreclosure process has been paused because Amerihome can not establish the reason why they decided to accept the mortgage loan in the first place if they was going to not accept the loan modification from the previous mortgager.
On XXXX XXXX I called to check with lawyer if they have heard anything from their client AmeriHome and was told that they sent a letter to me that I never received says that the reason behind the foreclosure is because the VA has denied the modification. Then the following week I received a letter saying that my foreclosure hearing is XXXX, XXXX.
This is Dual Tracking, embarrassing, stressful and painful because I have fought hard to keep my family home. I paid so much out of my pocket to keep the house up and even had the roof replaced this past year. I have not been able to grieve XXXX XXXX XXXX due to me doing what I am supposed to be doing then to find out that someone did not do their job right and now I have to be humiliated for something that I do not deserve. I would like you all to look into everything because I have everything that was ever sent to me. I keep my paper trail. Please pull the recordings. I deserve to be compensated for this. This is sad. Im even in counseling trying to figure out how to deal with this stress and I can provide records of it.
This is dual tracking and I want to be compensated, I wiped out all of my savings trying to keep this house and have to file bankruptcy now. I made my payments as I was supposed too till they stopped taking my payments in XX/XX/XXXX.
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| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome Mortgage Company services my home loan. I have the property taxes escrowed with the loan. I received notice in late XX/XX/XXXX that my property taxes were delinquent. After confirming with XXXX Co ( Georgia ) Tax Commissioners Office that taxes were not received, I contacted Amerihome on XXXX XXXX, XXXX. AmeriHome claims they wire transferred {$610.00} to my tax office to pay property taxes on XX/XX/XXXX XXXX XXXX XXXX XXXX states they do not handle any wire transfers for payment and were not showing my property taxes as paid. Additionally, the property tax had increased to {$1500.00} due to a home being built on the parcel in question. Amerihome said they had no record of a tax increase. I was instructed to email the new tax notice to Amerihome via an email address their representative gave me, which I verified over the phone ( XXXX ). I checked back with my tax office about three days later and the taxes were still not paid. I called Amerihome again and I was told that two open " tasks '' had been created regarding my tax bill and these tasks were not due to be completed until XX/XX/XXXX. I reminded the representative that if my taxes were not paid by XX/XX/XXXX that an Fi. Fa. execution ( lien ) would be placed on my property. I was again told to call back after the time for the tasks to be completed had lapsed. I also emailed then on XX/XX/XXXX requesting to speak with a supervisor or anyone above the basic phone rep level and was never contacted nor replied to.
I called Amerihome again on XX/XX/XXXX ( the day after the " tasks '' were to be finished ) and was told that the tasks were not completed, and that actually no one had followed up on the requests since Amerihome was showing that taxes had been paid in XXXX Additionally, the rep told me that I had sent the new tax notice to the wrong email address. I was given a second, completely different email address ( XXXX ) to which I resent the delinquent tax notice. I asked to speak to a supervisor and was told that would have to be approved for her to send it to a supervisor. I requested the rep do this and in real time she was emailing her supervisor who was telling her they would not speak with me because " they wouldn't/could n't tell me anything different that what she was telling me. '' This came directly from the rep. I told this rep that I felt the company was 'blowing me off and not wanting to fix the issue. '' I called back a few minutes later on same the day and talked to a different rep and asked them or someone at Amerihome to please contact my local tax office to fix the issue. I told them I was the one being bounced back and forth and could not fix it, and since they said they had paid the taxes, they needed to see what was wrong. I gave them the name and number of my local tax commissioner, and the rep put it in the notes but said she could not promise anyone would call.
This same day, Thursday, XXXX XXXX was the last day my tax office was open before XXXX XXXX which is the day the lien would be placed on my home. I had to drive the 30 minutes to the tax office and personally pay {$1500.00} in order to satisfy the tax bill.
On Tuesday, XX/XX/XXXX, I contacted Amerihome once again to ask for the parcel # associated with the tax money they sent to XXXX Co and they could not provide this information to me. They could not even tell me which company they used to process the transaction to XXXXXXXX XXXX XXXXXXXX XXXX. ( All of this information should have been readily available to give to me according to my county tax commissioner ). I have since verified again today, that my county tax office does not deal in wire transfers which is how Amerihome is claiming they sent the payment.
I asked the Amerihome rep on XX/XX/XXXX for the process to request a repayment of the money I spent out of my own pocket for the tax bill and the reply was that they did not issue money straight back to the individual, but once it was cleared up they would issue a refund if there was any money owed for overpayment of taxes once the bill was cleared. I don't see how they will clear this up, because they refuse to contact the Tax Office or Commissioner to work through the issue of the " missing '' payment. My Commissioner feels they are lying about the payment. This company has not been the least bit helpful in addressing this issue and its clear to me the reps are instructed to stonewall people at that level and no one above them is reachable to address any problems.
At this point, my only avenue left is to fill a complaint ( Which I told the Amerihome representative I was doing. ).
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| 11/21/2019 |
Yes |
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- Trouble during payment process
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Web |
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I have been attempting to make a payment on my home loan for nearly two months and AmeriHome will not accept them, yet continues to notify me of a balance due.
My home loan with XXXX XXXX XXXX XXXX / XXXX XXXX was transferred to AmeriHome in XXXX following a successful initial payment via XXXX on the XXXX platform. Upon leaning of transfer of the loan, I registered on the new AmeriHome page on XXXX on XX/XX/XXXX, attempting to make my XXXX payment. At that time, the payment page told me the feature was not available. I e-mailed this address in IncidentXXXX ( attached XXXX. The response suggested I log into the website, which I obviously had already attempted.
On XX/XX/XXXX around XXXX XXXX., I called your customer service line seeking assistance in making my payment. The agent suggested I keep trying the website through XXXX XXXX. that night. At XXXX, when the payment feature was still not showing up, I sent a second message to this e-mail address, resulting in IncidentXXXX. The reply suggested it was a browser issue and I needed to clear my cache/delete my cookies. I replied shortly thereafter to advise that I had attempted to access the payment page across multiple browsers and devices, including with cleared cookies, to no avail. This resulted in Incident XXXX. The reply suggested that I call the service number.
I called the service number shortly thereafter and made a payment via the automated teller. On XX/XX/XXXX, I was sent a letter from AmeriHome that the payment had not been honored The Return Reason was listed as " CAN NOT LOCATE ACCOUNT ''. I received this letter via postal mail on or about two weeks later.
On XX/XX/XXXX, I called the service number again and spoke with a representative about the outstanding payments, the reversed payment and my issues logging into the site. He advised that I must have input the incorrect info on the automated teller ( I hadn't ) and suggested I re-register on the AmeriHome site with my same loan number.
On XX/XX/XXXX, I followed those instructions, processed a one-time payment for the outstanding XXXX payment and also registered for ACH withdrawal of my XXXX payment to make sure there were no further disruptions now that the payment portal seemed to work.
On XX/XX/XXXX, I was sent a letter from AmeriHome stating again that the payment had been reversed/not been honored. The Return Reason was listed as " CAN NOT LOCATE ACCOUNT ''. I received that letter via postal mail on or about two weeks later. Upon receipt, I logged back into the AmeriHome Loan Administration platform to see that my XXXX ACH payment had also not been withdrawn. During this time, I had also received another letter from AmeriHome on XXXX stating that I was in default but that my outstanding balance was {$0.00}. There was no reference to my multiple attempts at payment.
I called my bank to investigate if the " CAN NOT LOCATE ACCOUNT '' was an issue on their end -- since I knew my account and routing number were correct in AmeriHome 's site, I suspected that the bank might be rejecting. They advised that this was not the case -- they had no records of any transaction activity being initiated from AmeriHome, so the issue is starting and ending on the AmeriHome side.
On XX/XX/XXXX, I made another payment online for both outstanding payments. By XX/XX/XXXX, I still had not seen this activity posted at my bank, so I called the service number again and spoke with a representative. After I laid out the timeline above, he checked my account and saw that the XX/XX/XXXX payment was registered as having gone through, then placed me on hold to speak with his supervisor about the lack of bank activity. When he returned, he said the reason for the " CAN NOT LOCATE ACCOUNT '' error was because AmeriHome was still 'gathering my information ' and thus wasn't prepared to fully service my account. He advised that I wait a few more days and that I shouldn't worry because I had a 60 day 'grace ' period via RESPA when my loan is transferred.
On XX/XX/XXXX, I received yet another letter from AmeriHome stating that my payment had been reversed for a " CAN NOT LOCATE ACCOUNT '' error. Though I had switched to online-only documents, I did not receive a notification about this reversal letter, only the follow-up letter sent today XX/XX/XXXX once again threatening that my loan was delinquent.
I have been attempting to make timely payments on my mortgage since it was assigned to AmeriHome. My account is not delinquent or in default. I have the money and am prepared to pay as soon as AmeriHome is able to accept it.
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| 12/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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OnXX/XX/XXXX my husband and I refinanced our mortgage with a mortgage broker. The loan is owned by XXXX XXXX but serviced AmeriHome Mortgage in New Jersey. During the closing we signed a Wisconsin Escrow Tax form for our property taxes, selecting option 1 making AmeriHome obligated to send us our property tax payment by XX/XX/XXXX. After still not receiving a check on XX/XX/XXXX, I called AmeriHome and spoke to a customer service rep whose name I did not get. She informed me that they pay taxes by the due date, in XX/XX/XXXX. I informed her that I had a signed a document at the closing of our refinance selecting the option in which they had to send us a check. She eventually figured out we lived in Wisconsin and put me on hold. When she came back to she said she had opened a work order and our check would be cut and sent to us right away. I informed her that send via mail would not get us the check in time to pay the bill byXX/XX/XXXX and I said I wanted the check send overnight delivery. And she agreed.
OnXX/XX/XXXX after not receiving a check I called AmeriHome customer service and spoke with XXXX. Who also began to disagree with me about the option I selected at our closing and that I was to inform them by XX/XX/XXXX if I wanted to change my option. By this call I had already dug up our paperwork and informed her that I have a signed copy right in front of my face with a clearly marked check in option 1. Eventually she agreed that they made a clerical mistake but there was already a work order entered in their system to get our option changed so that a check could be cut and to call backXX/XX/XXXX because that is when they would make the change. She insisted this was the best she could do and if there was anything further she could do she would but she could not. I eventually gave up with her. Hung up and called to inform our mortgage broker what was going on and how angry and disgusted I was with the company he had sold our mortgage to.
Not accepting of XXXX suggestion to wait for them to decide to make the correction of their mistake on our account, I called again XX/XX/XXXX and spoke with XXXX. She informed me of the same load of XXXX as the previous customer service reps. I told her their clerical mistake was not an acceptable excuse and I wanted someone that could actually fix their mistake. She said that would be a supervisor. She placed me on hold for more than 5 minutes. When she finally came back she gave me the name XXXX and said his extension is XXXX. He was busy at the moment so I would likely get his voicemail. Of course, I did. I left a message stating my name and phone number, that I did not get my escrowed tax payment check by XX/XX/XXXX like stated on the form signed at our closing and that I expected a check to be cut immediately and sent for overnight delivery by XXXX XXXX on XX/XX/XXXX. And I never heard a word back from XXXX. No voicemail returned. No phone call EVER received. This is the day I also filed my first complaint with the Wisconsin Department of Financial Institutions. And began digging for more agencies to report this horrible mortgage company.
Today isXX/XX/XXXX. I again called and started with XXXX and she forwarded me to supervisor XXXX. XXXX stated that they expected to resolve the issue today and a check should be sent but could not guarantee that a tracking number would be available by end of business today. So once again horrible customer service from a company whose sole job is to service customers. I admit this time I lost my cool and hung up on the woman after stating my piece on how this was unacceptable and that if they really wanted to fix this issue in a timely manner they would have done so already and that I can no longer trust anything they tell me anyway. I also informed both women that I had begun to search options to report this issue to any and all agencies.
Again, I will be calling this disgusting mortgage company tomorrow and I will be calling them every day until a check is in my hand and all applicable expenses reimbursed. I am also reporting them to Consumer Financial Protection, the Better Business Bureau, my state representatives and any other agency I can find. There is no excuse for this. None. I have a copy of the piece of paper signed. Even if it was a clerical issue there is no excuse for a correction to take more than 3 business days to fix. A check should have been cut immediately on my first call and sent overnight for delivery on Friday, XX/XX/XXXXlike the first customer service agent from above implied was happening.
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| 03/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am the owner of this property which was served foreclosure papers last week. My elderly mother, age XXXX, is the renter at this property and is worried to death she will loose her home. Amerihome mortgage has done everything to NOT accept my payments and purposely refused to mail, email, or call any of my contacts. Instead they insisted that all communications be sent by mail to the property that I do NOT live at and sends it to my XXXX year old mother who cant remember where she puts anything including mail that is not hers.
This loan originated at XXXX XXXX which I had zero problems communicating or accepting of my payments. Then the loan was sold to Amerihome. I attempted to setup auto payments as I did with the previous mortgage lender. They could not get the payments to pull out of my checking account, instead they pulled from a savings account that I do not use. I received no communications that they were not being received. I noticed that the payments had not been pulled from my account after a couple of months. I called Amerihome, they stated that they sent letters to the property. I stated that I do NOT live there and do NOT get mail there. I live in another state. I asked to have the mail sent to my address since I was the responsible party. I was told that they can only mail communications to the property and they are unable to send it to me also. The next couple months I called in the payments by phone. After long wait times on the phone I was able to get it paid, then only to get charged an additional {$9.00} for the convenience of paying it on the phone. Several times I could not even get through on the phone. The operators would tell me that this is common at times when payments are due. The next couple months I decided to put it on auto payment through my bank, which pulls the funds immediately from my account and then mails a certified bank check to the mailing address. I believe some were received but I was still trying to catch up on the past due amounts. So I started sending half payments every other week. Now I find out these payments werent accepted. I was told by Amerihome we dont accept half payments but none were ever sent back to me as refused, nor was I contacted. I still dont know where those paid checks are now. I went online to make payments and found it is not accessible. So I printed off a mailing payment form to mail in my checks. I wrote one check in XXXX, one in XXXX, and one in XXXX. None of these ever cleared my account.
So last Friday my sister called me and tells me that mom has papers there from a foreclosure company. So I make a trip to the property to see her and to get the papers. In a box my mom has all these papers she said she wasnt sure what they were and they were not addressed to her so she just boxed them up. 90 % of the papers were JUNK and 3 are from Amerihome. One dated XX/XX/2020 with my XXXX payment check returned. Another one was dated XX/XX/2020 stating that they have not received any past due payments and they have not heard back from me??? I called Amerihome Friday and asked the operator why they havent applied any of my payment attempts. She stated that if it is not the amount owed they will refuse the payment!!! I asked her where are my payments? Some are paid checks that have funds drafted already from my account. She said they would be sent back. I told her I NEVER received any back, nor have I been informed that anything was going on with this loan. She told me they would go back to the address on file and not the return address on the envelope. I only have one that was returned to my moms house and not to me. The operator then said would you like me to add your address to the file so you can get any communications in the future!!!! I was told 3 times before that they could not send it anywhere but the property. Now that they have sent my loan to foreclosure they will add my address to the communications on my loan on my property. This is unacceptable. It has been six months that I have been dealing with this incompetent company. I do not have one email, one letter, or one phone call ever addressed to me at any of my contacts that are on the loan, only to the property that I do not live at. This company is performing a scam to add extra fees for not paying your bills that they refuse to accept and refuse to contact you about the refused payments.
I have mailed a certified copy of this to Amerihome as they do not even have an email on their website or any of their papers to correspond.
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| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX.
XXXX, CT XXXX XXXX XXXX, 2020 Dear XXXX : I am writing to file a formal complaint against my mortgage servicing company, AmeriHome Mortgage Company , LLC, which lists an official address of XXXX XXXX XXXX, XXXX XXXX, XXXX Oaks, CA XXXX and a mortgage lender license XXXX.
Over the last XXXX years I suffered some financial setbacks that led me to be late by fifteen to twenty-nine days for several months. Each time AmeriHome charged me approximately {$120.00}. This has totaled up to {$1600.00} as of today. In addition, AmeriHome is charging me an additional {$16.00} per month on top of those late fees, even when I pay on time, which they simply describe as Other Fees, but do not explain what it is for in their monthly invoices to me. They also have apparently charged me interest on these excessive fees. I am presently current on my mortgage except for the late fees and Other Fees that AmeriHome has charged me.
On XX/XX/2020 I called AmeriHome at their customer service number to attempt to negotiate these late fees downward because late fees typically have marginal profit rates of about 90 % and I felt that it was not only unrealistically high but punitive, and represented a financial hardship for me to pay. In other words, the amount I am charged by AmeriHome is more than ten times their actual cost of my being a few days late. I spoke to a customer service representative named XXXX at about XXXX XXXX on XX/XX/2020. I explained the situation to her and asked to negotiate the fees downward with her. She told me that she could not negotiate with me due to her company policy on the late fees, and that I had to send an email to AmeriHome@loanadministration.com if I wanted to negotiate with them.
On XX/XX/2020 I sent an email to AmeriHome at the email address that XXXX from AmeriHome gave me explaining the situation and requesting that they negotiate the late fees downward. Later that day on XXXX XXXX, 2020, I received an email notice from AmeriHome that assigned XXXX : XXXX to the email I sent them and acknowledging that they had received my XX/XX/XXXX email, and telling me they would respond. XXXX, XXXX and much of XXXX went by and I did not receive the promised response to my email from AmeriHome.
So, on XX/XX/2020 I sent another email to AmeriHome that included the previous email I sent on XX/XX/XXXX to AmeriHome requesting that we negotiate down the late fees they claim I owe them. Later that day on XX/XX/XXXX they once again sent me confirmation that they had received my XX/XX/XXXX email and assigned to it XXXX : XXXX. As of now, a month and half after my last correspondence to AmeriHome I have not received any response to either of my two emails to AmeriHome asking that they negotiate with me on the excessive late fees and other fees they have assessed me.
I have written this complaint because AmeriHome refused to negotiate with me on the phone when I called, and subsequently did not respond to the two emails they asked me to send them, and which they acknowledged in writing having received. I feel that AmeriHome unjustly enriched themselves by the excessive late fees they charged me at a time of financial distress for me, and then has stonewalled me by not responding to either of my two emails requesting that we negotiate down what they claim I owe them in late fees.
XXXX of the foundations of commercial law is the XXXX of XXXX XXXX and XXXX Dealing. That covenant states that parties in a commercial transaction like a mortgage are supposed to act in good faith and deal fairly with their counterparty in the transaction. By charging me more than ten times the amount of harm they may have suffered in late fees because I was a few days late in making a payment, telling me they could not negotiate over the phone with me, requiring that I negotiate by email with them, and then refusing repeated written requests to negotiate by email these excessive late fees AmeriHome has acted both unfairly and in bad faith, and hence in violation of the XXXX of XXXX XXXX and XXXX Dealing.
I request the CFPB 's help in this matter. Without your help I believe that AmeriHome will continue use their power to stonewall me and act in bad faith as they have done so far, and by doing so continue to unjustly enrich themselves at my expense by charging excessive late and other fees. Each time they assess these excessively and outrageously high late fees against me they make it that much harder for me to pay my mortgage on time.
Sincerely, XXXX XXXX
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| 12/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I closed on my loan which was re-financed with XXXX XXXX XXXX and helped bring my interest and payment down. My last payment with my mortgage company was scheduled to be XX/XX/XXXX which was sent off via mail.
Feeling worried about sending such a large payment via mail, I emailed XXXX and asked them to please confirm when they had received my payment. ( I was notified I could not pay online since my loan had already been sold to Amerihome ) On XX/XX/XXXX I received this email, " Received your payment. Have a great day. '' On XX/XX/XXXX I received another email from the same representative stating, " I received your check but you forgot to sign it.I will send it back to you today for your signature. '' This information was incorrect I learned when I received the check in the mail, I had in fact signed the check. However, due to me traveling for two weeks I sent out another check before receiving my returned check so that it would arrive in time before marking my payment as late. I sent the check out again XX/XX/XXXX.
On XX/XX/XXXX my check posted on my bank account as being cashed and {$1300.00} was withdrawn.
XX/XX/XXXX I received an email from a XXXX representative stating, " Is the payment in the mail or will it be sent this week. Please let me know. '' In which I replied, " Hello, they payment has been posted on my account. I sent it about two weeks ago ''. I also attached a screenshot of my bank statement indicating the check had been cashed.
I went back and forth for about 2 weeks trying to figure out what had happened to my check and who was responsible for cashing it since it was posted on my account. Several representatives contacted me with questions but promised my payment would not be marked late. It turns out that the center I sent my check to, also processes checks for Amerihome. Even though my check specifically said XXXX, they applied my check to Amerihome by mistake then asked for a transfer to XXXX.
On XX/XX/XXXX I created an online account with Amerihome ( still unaware that my check had mistakenly applied to Amerihome ) to make my first mortgage payment but was unable to do so I called customer service. The representative I spoke to advised me that I did not have a XXXX payment as I was a new consumer and new consumers had 60 days before their first payment therefore my 1st payment would be XX/XX/XXXX.
Very confused, since I was aware my closing documents did not indicate I had a month to skip, I asked the representative if this meant that I would have two payments in XXXX and she answered, " No '' that my first payment was XXXX for {$1300.00} ''. On XX/XX/XXXX I made my first payment to Amerihome for my XXXX payment. Shortly after that I went out of town for the holidays and came home to three letters from Amerihome stating I was overdue on my mortgage payment.
I called Amerihome on XX/XX/XXXX to gain some clarification because clearly this was an error. I learned several things from this conversation : 1 ) The representative I spoke to stated that she could see in the notes from my phone call XX/XX/XXXX that I was advised that I did not have a XXXX payment and that my first payment would be in XXXX. This representative also stated that information was correct as all new customers have 60 days before their FIRST payment.
2 ) Once I was transferred to a supervisor, I learned that information was in fact NOT correct and that the 60 days is simply a waiver to not penalize new customers for any late fees in the event the payment took longer to process. The supervisor I spoke to stated that " They must provide training to the agents who took my call ''.
3 ) I learned that in summary, the processing center that is on the website for XXXX ( see below ) INCORRECTLY applied my payment to Amerihome for XXXX which is the real reason why when I called XX/XX/XXXX the representative stated I did not have a XXXX payment ( NOT because new customers have 60 days before their FIRST payment ).
Address I sent my check to : XXXX XXXX XXXX Attn : Payment Processing Center XXXX XXXX XXXX XXXX, NJ XXXX XXXX ) I learned that they transferred my payment from Amerihome to XXXX defaulting my XXXX payment I made XX/XX/XXXX to my XXXX payment and leaving the XXXX one pending.
5 ) Lastly, I learned that regardless of the errors committed by other individuals and falsified information I received after being proactive, I am still responsible for coming up with {$1300.00} by XX/XX/XXXX which is past due.
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| 01/02/2018 |
No |
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- Trouble during payment process
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Web |
Servicemember |
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I had a home built with a construction loan and at the end of the build, had the loan converted to a VA loan with XXXX XXXX. The process was wonderful and I have respect for that company ( XXXX ) and its employees. Just a short couple of months after I closed the loan ( XX/XX/XXXX ), the loan was sold to AmeriHome Mortgage ( XXXX XXXX XXXX XXXX, NJ XXXX XXXX ). ( The first payment due to AmeriHome was sent XX/XX/XXXX for the XX/XX/XXXX payment. ) I realized that the escrow being collected was in excess, but until I received my first tax bill, I had no proof. My homeowners insurance amount was confirmed and when I received my tax information from XXXX County, I notified AmeriHome at the above listed number. My contact with AmeriHome is as follows : XX/XX/XXXX XXXX AmeriHome said that they were " working on the escrow '' and that the overage would be refunded and adjustment would be done in no more than 30-60 days XX/XX/XXXX XXXX AmeriHome stated that it was NOT in review and they needed copies of the tax document. I emailed the tax bill from XXXX county to XXXX and received confirmation from the email ( see below ) " Your question has been received. You should expect a response from us within 24 hours.
Subject Tax update and escrow request Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX '' Inbox x XXXX XXXX via XXXX XX/XX/XXXX Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.
Subject Tax update and escrow request Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Re : Loan number XXXX Dear Borrower, Thank you for your recent inquiry regarding your loan.
A ticket has been opened on your behalf. Please allow up to three business days for a resolution.
If your concerns have not been fully addressed, please log in to your account and send us an email through the " Message Center '' link.
Thank you for giving us an opportunity to be of service to you.
Sincerely, XXXX XXXX E-mail Support Representative Customer By Service Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) To Whom it May Concern : I would like for the escrow amount on my account to be adjusted. I am currently paying around {$300.00} extra per month.
I am attaching my current tax bill for your review. My account number is XXXX.
I talked with customer service at XXXX on XX/XX/XXXX and was told that it was being reviewed. I called again today and was told that, in fact, it was not in the review process.
Thank you for your help in this matter.
-- XXXX XXXX XXXX XXXX ( c ) Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved That is a copy of the email confirmation. I heard nothing back from AmeriHome.
XX/XX/XXXX I was told to call back on Monday ( XX/XX/XXXX ) to learn the results of the request. I submitted a request for evaluation of the escrow amount. The customer service rep stated that ( in reference to the escrow amount - " Yes, it is too high ''. I was told that an escrow analysis would be done in XX/XX/XXXX and again I requested that it be completed in light of the information given to them.
XX/XX/XXXX XXXX I was told that an escrow analysis would be completed by Friday XX/XX/XXXX and the tax bill I had sent was seen in their system. I was told that the escrow analysis would be run by XX/XX/XXXX and sent out.
XX/XX/XXXX XXXX I contacted CFPB and was told that AmeriHome had 30 days to respond and then an additional 15 days.
XX/XX/XXXX XXXX I contacted AmeriHome and informed them that I had contacted CFPB and was given the information about the 30 day window. The representative performed the escrow analysis while I was on the phone ( less than 2 minutes of " hold '' time and was told that they would send an analysis to me and a refund check within 7-10 days.
XX/XX/XXXX I called to check status of the check and was told that it " had to go through series of checks and balances '' and that it was mailed on XX/XX/XXXX, ( I do n't ' yet have the check for over {$4000.00} ) I have received information that my new loan amount has been lowered starting XX/XX/XXXX, but have not received any of the monies due me.
I would appreciate your help into this matter.
With respect, XXXX XXXX XXXX XXXX
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| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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A Complaint on AmeriHome Mortgage Summary : After promising me an escrow overage check several times, even claiming to have sent it once, and dragging me out for 4 months, increasing their response time with each email, all the while having me provide information, records, etc., AmeriHome abruptly claimed that I had already cashed the check, ignoring my request for proof of this transaction and referring me to an imaginary chat forum on their website, when their own telephone contacts confirmed that they were the only correspondents who could assist me.
Events : In XX/XX/XXXX, I discovered an envelope from AmeriHome that I had never opened, containing an escrow overage check for {$1800.00} made out to me on XX/XX/XXXX. I called the company on XX/XX/XXXX and asked if the check could be renewed, and they said yes. They told me that I had to contact accounting, however, stating that accounting only communicated through email. I called a second time to confirm this was the only way, and a second employee verified this.
I immediately contacted accounting via the email provided to me ( XX/XX/XXXX ). After over a week ( XX/XX/XXXX ) they replied that they would send me a renewed check, and to give them time to process and send it. I waited, and nothing happened. I emailed them again on XX/XX/XXXX, asking about the status of the check. They never responded.
During this ordeal I moved. I re-emailed them on XX/XX/XXXX to inform them that my address had changed, and they replied on XX/XX/XXXX, claiming that the check had been mailed on XX/XX/XXXX. This is not true. I had all my mail forwarded to my new address, and the check never arrived at either my old or former address. The message also said however, that if I re-confirmed my new address, they would stop the check and send me a new one to my current residence. I immediately resent my address that day ( XX/XX/XXXX ).
They in turn responded on XX/XX/XXXX, two weeks later, that they could not send me the check unless I provided them with identifying information pertinent to the loan. I sent this the next day ( XX/XX/XXXX ). On XX/XX/XXXX they again promised that a check was on its way, asking for time for processing and mailing.
I waited again. On XX/XX/XXXX, I finally emailed them a sixth time, complaining how long I had been waiting, how many times I had been promised things, and that it had been 3 months since I had started this process, with no check in sight. In their first response to me, they apologized for not responding in their usual timely manner ( 6 business days ). Throughout my interactions with them, their correspondence took longer and longer, from one week, to two weeks, to 3 weeks, veering far off their promised standard time.
On XX/XX/XXXX ( 3 weeks later ), AmeriHome replied there would be no check, claiming that I had already cashed it on XX/XX/XXXX. They instructed me to contact the chat forum on their website if I had any questions. I went on their website and found that no such chat forum existed.
I knew that it was untrue that I had cashed the check. As I have mentioned, the check had been sealed in an envelope until XX/XX/XXXX. I looked up my bank statement to confirm and found no such transaction had ever take place.
On XX/XX/XXXX, I responded back asking for evidence of this transaction. I asked for the name of the institution at which the check was cashed, and I asked for a copy of the front and back of the cashed check. I repeated that I was still in procession of the check they were claiming was cashed, and informed them that my bank statements, which I had checked, showed no such transaction had ever taken place.
On XX/XX/XXXX, two weeks later, AmeriHome responded, merely repeating what they had said before and providing none of the evidence that I had requested. It was then that I decided to file a complaint They had promised me a check twice, even claiming to have sent it, and were now saying I had cashed it long ago. I have never been dealt with so unethically by a company, a company that I did not choose but who bought out my loan from XXXX XXXX.
I have all the emails and dates, ordered and ready to go. I have my bank statements and the check that was claimed to have been cashed. I have all of this photocopied and organized onto a PDF, ready to submit.
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| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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AmeriHome Complaint to CFPB AmeriHome was our mortgage servicer. This complaint is about their handling of our escrow account between XX/XX/XXXX and XX/XX/XXXX. The sequence of events was as follows : Item 1 : Property Tax Payment At the end of XX/XX/XXXX, we started a refi and needed to know whether AmeriHome planned to pay our next property tax installment before or after the projected closing date. The website showed 1 ) the wrong amount, and 2 ) only the month of XXXX, without a specific date.
We called AmeriHome, discussed our situation, and were told that, per our request, they would NOT pay the next installment.
On XX/XX/XXXX, we received an email that they had paid property taxes of {$6500.00} on XX/XX/XXXX anyway. ( attachment 01 ) We called them immediately on XX/XX/XXXX, and a customer service rep ( XXXX ) told us that they could recall the payment from XXXX. She placed a work order that was supposed to be completed about two weeks later on XXXX.
We called again on XX/XX/XXXX. Another customer service rep ( XXXX ) told us that a work order to research/track/return the payment was put in on XX/XX/XXXX ( not XX/XX/XXXX ), and now it would take 30 days to complete.
We called again on XX/XX/XXXX. A customer service rep ( XXXX ) told us that the money had been received from XXXX on XX/XX/XXXX more than 30 days after the original disbursement. She also said that now it would take another 7-10 business days for the money to be sent to us.
Even though this item was unresolved, on XXXX we discovered that our on-line account was disabled. All loan information was removed with the message this function is no longer available because your loan has been paid in full.
We called three times on XXXX. Because the on-line account was disabled, customer service reps could not access any information, so they re-routed our calls to the Closed Accounts Department which then disconnected the calls.
On our last call on XXXX, another customer service rep ( XXXX ) took down our info and told us that she would get in touch with someone that could access our information, and that she would call back in a few days. That never happened.
We called again on XX/XX/XXXX. This time we were able to reach a customer service rep ( XXXX XXXX ) in the Closed Accounts Department. He recognized our account but could find no trace of our prior calls or any information related to the missing property tax payment! He opened a new ticket, sent a confirmation email with a direct number, and told us that he escalated the issue and would get back to us 2 days later. Again, nothing ever happened.
On XX/XX/XXXX we finally received a check in the mail, from XXXX, not AmeriHome. The check was dated XX/XX/XXXX, but the postmark was XX/XX/XXXX. ( attachment 02 ) The attached letter had no date on it but claimed that the refund was from the taxing authority. That statement is obviously incorrect the County did not receive that payment.
Item 2 : Escrow Reimbursement Our refi closed on XX/XX/XXXX. The escrow reimbursement was also held for a month, namely until XX/XX/XXXX ( attached ). However, even though the letter and check were dated XX/XX/XXXX, they actually didnt arrive until XXXX. There was no postmark on the envelope (? ), but it is very unlikely to have spent a full 3 weeks in the mail.
Item 3 : Fees on Payoff Statements As part of the refi, our new lender requested payoff statements from AmeriHome. Those payoff statements included a charge of {$120.00} for the preparation of payoff statements. When questioned, customer service insisted that there were 4 such statements ( {$30.00} each ), but AmeriHomes own website showed only three. ( attachment 03 ) Another payoff fee of {$180.00} was alternately labeled Miscellaneous Expense Repayment and Recoverable Corporate Advance Balance. Questions to customer service revealed that they also had no idea what this was. It wasnt until we received our County Recorders documents that we were able to confirm that these were in fact the correct recording fees, but no customer service agent was able to explain how they came up with {$180.00}.
Frankly at some point in time we just gave up on any questions regarding payoff, since AmeriHomes customer service was obviously unable/unwilling to help.
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| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2022 when I found out that my home was in foreclosure, I contacted the mortgage company. They stated they were sending me paperwork to see if they could help me stop the foreclosure and for me to reach their attorney. When I called him about the foreclosure on how to stop it, the attorney stated that he is a debt collector and I would need to call the mortgage company. I knew that I would not be able to get the money that was owed by XX/XX/2022 - the foreclosure date. So, I decided to put the house up for sale so that I can sell it and the mortgage company can get the loan back and someone else will be able to enjoy the home. The house did have a first buyer with a close date of XX/XX/XXXX. When I contacted the mortgage company they stated I could not do anything until 30 days until the close date for the house. and for me to get the lawyer, which I did he stated that he can not stop the foreclosure and that the mortgage company will need to do it. Later that evening I called back to them and got the same run around that I need to contact the lawyer. I told the lady I spoke with NO, I want the supervisor because I am done getting the run around ; with me speaking to her she just put me on hold and transfer me to NOT a supervisor but a customer service rep that COULD NOT help me. I explained to him everything he was very nice and listen. Then he got me the correct person I need to speak with. I spoke with some and they stated that this can be done but I will need to fill out some paperwork and it will take 3 days to get it ; which took 2 weeks for me to the forms I needed to fill out. In the meantime, that buyer had to back out due to loss of employment. The house was back on the market and I got a new buyer with a close day of XX/XX/XXXX but they want to close on XX/XX/XXXX. On the evening of XX/XX/XXXX, I finally got the paperwork that I needed to fill out to stop the foreclosure. I sent it via email on XX/XX/XXXX and I never heard anything after that. On XX/XX/XXXX I called the mortgage company and spoke with a representative and he stated that he was talking to the department and they see that the house was in the contract I could not speak with anyone but I can leave a message. ( Which I thought was really weird ) So, on XX/XX/XXXX I called the mortgage company during my lunch break- which is 30 minutes long. I got a representative who was not listening to me and wanted to argue with me saying that they received my email on XX/XX/XXXX and that it will take another 14 days to see if they will stop the foreclosure. I explain to her that I am tired of getting the run around from everyone. That one wants to help and I am about to have a nervous breakdown. She started to argue with me and I told her I wanted to speak with the supervisor because I was NOT aware that this will take another 14 days when it took me 14 days to get the paperwork. With me saying that she just put me on hold while I was talking. I was on hold for 10 minutes until she came back and told me that she is trying to get ahold of someone in the foreclosure department and put me back on hold for another 15 minutes. To say that she is still trying to get a hold of someone and gave me her direct number for me to call back. I NEVER got that supervisor that I requested to speak with. She went to proceed to tell me that they have to send me information about the foreclosure since XXXX but I told her it was not filed until XXXX and I was not aware of it until XXXX. Plus, I found out the mortgage company changed too, and was not aware of that until XXXX. She stated they have been my mortgage company from the start which it was not. It was a different company when I was making payments. I told her I do not have time for this my lunch break has been up and I have to go.
I know that I messed up and hit rock bottom. I understand that, I have been beating myself up about it. I am trying to sell this house to pay my loan off completely and let someone buy a home they want. I am trying to make everyone happy BUT Amerihome mortgage has some employees that make you feel horrible about the situation that you have been and you are the ant and they are stepping on you. I am trying to do the right thing but they do not want to help.
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| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Initial complaint to CFPB ( XXXX ) was closed, but it is an ongoing matter.
Since filing initial complaint, AmeriHome has failed to provide the following information that has been requested in writing multiple times. I have been corresponding with XXXX XXXX XXXX AVP, Customer Experience Office of the President ) and cc'ing XXXX XXXX on materials : XXXX. The payoff amount for the escrow on my mortgage as a lump sum for the year. I requested this on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I was told that it had been requested and they were waiting, but XXXX XXXX has not updated me with a timeline. I have asked for that in writing twice ( XX/XX/2021 and XX/XX/2021 ).
XXXX. AmeriHome representative XXXX XXXX Phone call XX/XX/2021 ) informed me that while my account was being investigated, I would have no late fees. They assessed late fees twice in the amount of {$62.00} for a total of {$120.00}. I informed XXXX XXXX of these fees on XX/XX/2021 and XX/XX/2021. I was told on XX/XX/2021 " I wanted to follow up with you and let you know that the request to have the late fee waived is in process. '' This did not address the 2nd set of fees and is not a confirmation that the late fees would be waived.
3. AmeriHome has failed on multiple occasions to tell me the new amount of my mortgage. I asked this specifically by email on XX/XX/2021 & XX/XX/2021 : " Lastly, I need the amount that my payment is when the escrow is paid separately. '' XXXX XXXX responded : " Additionally, to confirm your principal and interest payment is : $ XXXX. '' In an email from XX/XX/2021, I asked the following : " '' During this dispute- AmeriHome refused to accept my direct payments as they were not for {$1900.00}. My account needs to be altered so that $ XXXX will be accepted. The XXXX and XXXX payments were declined for this reason.
To be very clear : If I pay {$1200.00} and whatever the escrow lump sum is determined to be- that is it? This {$1200.00} includes paying the insurance to XXXX XXXX and the FHA insurance?
My additional concern is that if I pay the escrow into the system as a lump sum, AmeriHome will not apply the funds to the escrow, but instead will apply the funds to the mortgage payment leaving me in the same situation. How do I ensure that my payment goes to the correct place? '' '' To this XXXX XXXX responded : " '' The {$1200.00} is representative of the principal and interest only. This does not include any of the items escrowed : taxes, insurance, or PMI ( private mortgage insurance ).
If I may, are you requesting that you pay your taxes on your own on the go-forward? If that is the case, we would need to submit a formal request for this to be reviewed and approved. " '' To sum up : I feel like I'm not being listened to in the slightest and that all of this is a delaying tactic by AmeriHome to force me into defaulting on my loan.
I have made repeated requests in writing that are often ignored and/or deliberately answered incorrectly. This has become so prevalent that I have insisted that all exchanges be made in written form as I can not depend on them to give consistent answers.
I will happily pay what I owe this week if AmeriHome will give me the information I have requested from XXXX XXXX in writing MULTIPLE times.
Honestly, I just don't trust them enough to send them a blanket payment without documentation that the money would be applied accurately to my account. At this point, I feel like the only reason they are even communicating with me at all is to try and get me to pay their fees and extra interests out of frustration with the hopes that they will resolve it all later ... But, I don't trust them. I think they will take that money and stop any sort of future negotiation on how I can lower my payments.
With all of the interest they have applied to the escrow, me paying it off in a lump sum could possibly save me several XXXX dollars in interest over the course of my loan and would allow me to keep my home. This is not an unreasonable request- why has the investigation into the escrow and the ensuing conversations about resolving this in an economical way taken almost 3 months to get NOWHERE? This is ridiculous.
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| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We refinanced our home in XXXX of XXXX and our mortgage was sold to AmeriHome Mortgage. We have been paying our monthly statements and including overage to go toward principle each month. We had no issues when the overages were relatively small, up to {$7000.00}.
In XXXX of XXXX the mortgage company stopped endorsing the back of our checks when they deposited them. However, our bank was still honoring the check. Not ideal but we weren't experiencing any issues.
For our statement due on XX/XX/XXXX we received 2 statements in the mail, one on XX/XX/XXXX and one on XX/XX/XXXX. Payment was sent for the statement with overage toward principle. Check was not endorsed but cleared the bank and all was still fine. For our XX/XX/XXXX statement we again received duplicates on XX/XX/XXXX and XX/XX/XXXX. We paid the statement with a more significant overage, the check was endorsed by AmeriHome, and drafted from our account on XX/XX/XXXX which is well before the XX/XX/XXXX due date. On XX/XX/XXXX a letter was written by AmeriHome stating our account was delinquent. This was impossible as we were not only paying on time but were paying more toward principle. Due to what I assume is a Covid-related issue we didn't receive the letter until after XX/XX/XXXX. I called AmeriHome on XX/XX/XXXX to fix the issue and reverse the late fee issued on our next statement. The Customer Service process with AmeriHome is abyssmal to say the least. The representatives keep you waiting on hold endlessly if you can even get through to talk to a rep at all. Then, if they can't resolve the issue ( which they rarely can ) they have to submit a ticket for a manager to call you back in 48 hours. This is not acceptable when dealing with collections and credit issues which they themselves have caused by keeping poor records or improperly handling your payments-more on that to come.
The statement for our XX/XX/XXXX payment came and we paid it with overage, it wasn't endorsed but cleared the bank. Our XX/XX/XXXX statement came, we paid it with another significant overage toward principle and it wasn't endorsed then was returned by the bank. Because AmeriHome is taking a long time to process payments by the time I saw it was returned and found out why ( by calling my bank then calling AmeriHome ) I was close to being late in paying. I ended up paying online which is not my preferred method to avoid a late fee. The next month the EXACT same thing happened. We sent a large check to cover the monthly statement with the rest to go toward principle. When AmeriHome processed the check they didn't endorse it and my bank returned it. I called again and had the same conversation with multiple more representatives. A manager never returned my call and I had to continue to try to track them down to avoid a late fee that they were potentially responsible for causing by not endorsing the check.
For the XX/XX/XXXX statement I was again sent multiple copies on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Needless to say with all the problems I am having with this company it gets even more confusing when they are sending out multiple requests for the same loan payment.
For the XX/XX/XXXX statement I sent our payment with significant overage ALONG with the loan statement coupon as I always do. The check was endorsed and drafted on XX/XX/XXXX. Then the AmeriHome Collections department began calling me on XX/XX/XXXX stating my account was delinquent again. Believing this to be impossible I called back only to find that they mismanaged my payment once again applying the full amount toward principle only, with none going toward the monthly statement which was enclosed with the check. I have now been on the phone with them for multiple hours and am resolves to the idea that this company is purposely mishandling funds in order to collect fraudulent late fees. Because we have been diligently paying our mortgage and the overage we are on target to pay it off more than 10 years before the amortization date. I believe AmeriHome has realized that this will affect their interest earnings and is attempting to recoup some of the " lost '' money with these fraudulent fees.
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| 04/16/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am writing this letter in response to repeated mistakes that have yet to be corrected from Amerihome, and in addition to wasting literally hours of my time over the phone, are now putting my home at risk for foreclosure, when it should be in forbearance.
In early XXXX, I called to have my mortgage placed in forbearance due to COVID related finances. I was told that this was done, but it seemed a very quick and easy process so I had my husband call back on XX/XX/XXXX to verify that our loan was placed in forbearance and the customer service representative he spoke with confirmed that it was in forbearance.
A few weeks later, we received a letter from Amerihome indicating that our account was now delinquent and a late fee was incurred. My husband called in and spoke with another representative on XX/XX/XXXX who stated that he could see that it was a computer error on Amerihomes end and he would see it resolved and fixed. He stated that we would be on forbearance for another 2 months ( because the account had been placed in forbearance for 4 months in XXXX, even though that was never used and a payment was never missed in that time ). He added that we could later call in for an extension of the forbearance. He stated that it would take a few days but would no longer show delinquent and the late fee would be removed, as well.
We assumed all was taken care of, but then on XX/XX/XXXX, we received yet another letter from Amerihome, this time saying we were 2 months late and at risk of foreclosure. Furious that this error was still not fixed, I called in that evening and waited ( and was transferred back into the general wait line ) for a total of 1 hour and 21 minutes. It was at this point that I started documenting, realizing that no one was fixing this as stated. I then spoke with XXXX, # XXXX. She advised me that she would have her supervisor call me back to resolve this. No one ever called.
The following day, I called again around XXXX, and spoke with XXXX XXXX, # XXXX. She did some digging in the account and stated that the error occurred because the original forbearance was placed manually XXXX with codes XXXX on the account and for some reason the system would not allow it. She stated that it looked like the forbearance was not approved despite being told it was, even when she attempted it, it was giving her an error message.
She showed that the account had been in forbearance for a total of 4 months in XXXX XXXX XXXX - XXXX, and XXXX XXXX. I explained that at the time, we were told we would have to pay the entire sum back at once at the end of the forbearance and could not afford to do so, so we did not use the forbearance ( you can see this in our payment records XXXX. Even so, if 4 months were tagged in error the previous year, that still left 2 months of a 6 month forbearance. She recommended that I complete another financial interview, but I explained that their current COVID forbearance policies specifically offered that I did not have to go through any of that process again. I asked her to have a manager to please fix and override as everyone had already acknowledged that this was Amerihome 's error - not ours, what had already been promised as fixed twice before. She said that she would submit a ticket and I would hear back in 24-48 hours. I sent a follow-up secure email to the company detailing my complaints above on the same day, XX/XX/XXXX.
XXXX XXXX responded via email on XX/XX/XXXX at XXXX that I will be receiving a call from a manager on XX/XX/XXXX.
At XXXX on XX/XX/XXXX, I received a call from Amerihome Debt Collections about my being 2 months past due. I informed the rep, XXXX XXXX, # XXXX, that I was waiting on a call from a manager/supervisor to fix exactly that problem and if she was not that person, to transfer me to someone in that position. She agreed to transfer me to a supervisor, as well as to fix my credit bureau reporting. Instead of transferring me, my call was then dropped by Amerihome. No one called back. No manager ever called and it has now been 72 hours. I don't know what I can do - the company agrees it is their error but refuses to have anyone fix it!
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| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This complaint is related to a previously filed complaint ( Complaint ID # : XXXX ) which was filed on XX/XX/2021. I have received a response from my mortgage company ( AmeriHome ) on XX/XX/2021. Upon reading their response, I discovered that they did not sufficiently address my concern. I responded via feedback on XX/XX/2021. I kept all of the confirmation emails to preserve evidence of my actions. Please refer to provided Complaint ID # for information on how this problem started.
At time of receiving the response from AmeriHome, my concerns were : ( 1 ) I did not receive a check from AmeriHome as indicated on their response, ( 2 ) AmeriHome did not address to me that they resolved the incorrect insurance cost that they used for their escrow assessment.
XXXX XXXX, Manager, Customer Experience, was the one who replied to the CFPB Complaint and she included her name, position, and phone number. An attachment to that reply that contains her information is attached to this complaint. I called XXXX XXXX several times since XX/XX/2021. Not one time did she pick up. I left messages. Not one time did she return my call.
Because of the lack of response from XXXX XXXX, I began calling their customer support line again. I am continuously spending hours trying to speak to someone. I called half a dozen times but I was able to write down two specific dates and times.
On XX/XX/2021, at approximately XXXX hours, I called AmeriHome and spoke to agent XXXX ( employee/XXXX # XXXX, Station ID : XXXX ). I explained my concern to her and my wish to speak to a supervisor. XXXX stated that a request to speak to a supervisor was submitted and the normal turn around time for a supervisor to call me was 3-4 days. However, due to the nature of my situation, XXXX stated I should be getting a call from a supervisor that afternoon. No one called me.
On XX/XX/2021, at approximately XXXX hours, I spoke to agent XXXX ( XXXX # : XXXX ). XXXX was professional and kind and attempted to address my concerns. She stated that she will send me a record of my escrow account for review of all of the assessments. Today is XX/XX/2021 and I still did not receive that mail.
Neither of my two concerns were address. I still did not receive the check for {$92.00}. And no one, not including XXXX, who advised me to call her regarding my concern, returns my phone.
My concern that I want addressed is this. My mortgage bill since XX/XX/2021 went up based on an escrow shortage ( according AmeriHome ). In around XXXX, I figured out that they used an incorrect value for my homeowners insurance ( almost double what it actually costs ). I was told that they will conduct an escrow analysis and any overpayment will be returned back to my once the escrow analysis determines that my mortgage bill is high. AmeriHome did conduct this analysis and re-adjusted my mortgage statement ( brought it down ). However, I have never received money back from overpayment. And there is zero indication that the escrow analysis was conducted using proper value of the homeowners insurance. All I want is an explanation of where the ( approximately ) {$700.00} of overpayment went, did the use the correct value on their escrow assessment, and was that correct value also re-applied to when I overpaid my mortgage that utilized the incorrect value ( which can indicate that I may have overpaid more ). To seek this information, I called XXXX XXXX several times ( as indicated that I will on my feedback ) and requested to speak to a supervisor several times. Again, no one picks up or returns my call, thus, never getting an explanation. This is why I have zero faith in AmeriHome and in how they handle my money/escrow.
While trying to get this resolved, on XX/XX/2021, I received a notice from AmeriHome that my loan servicer will change. It indicated that on XX/XX/2021, XXXX XXXX XXXX will be my new loan servicer. AmeriHome hasn't resolved my issues and I don't know how I can address this problem with a new servicer when they had nothing to do with the issue. I feel like AmeriHome is just trying to avoid taking responsibility and correcting their mistake.
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| 02/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX : I lost everything I owned in Hurricane Harvey 3.5 feet of water sat in my house for 3 days and everything I owned was destroyed. I was fully covered with property and flood insurance and contacted my insurance company to file a claim.
XX/XX/XXXX : I decided to sell my place since it had flooded 3 years in a row.
XX/XX/XXXX : I contacted my mortgage company to inform them that I have decided to sell my place.
XX/XX/XXXX : I sent the first of three insurance checks to AmerihomXXXX Mortgage in the amount of {$15000.00} and asked them to apply these monies to the principal balance of my loan. It was placed in a restricted escrow account and not applied to the principal balance as I requested.
XX/XX/XXXX : I called Amerihome to check on this request and was told it was not applied.
XX/XX/XXXX : I sent the second of three checks to Amerihome in the amount of {$30000.00} and asked that these monies be applied to the principal balance with my intention to sell the property.
XX/XX/XXXX : I called Amerihome to check on this request and was told that it was not applied to the principal balance.
XX/XX/XXXX : I sent the third of three checks in the amount of {$32000.00} and asked that it be applied to the principal balance with my intention to sell the property.
XX/XX/XXXX : I called Amerihome and was told that these monies would not be applied until the remaining balance of the principal balance was paid. I informed them that the difference would be paid at the time of the sale if they applied the monies in the restricted escrow ( {$78000.00} ) to my principal balance. I sent Amerihome the contract for the sale of my property in the amount of $ XXXX and again requested the insurance monies be applied informing them that I intended to sell my place. I was again told that the insurance monies would not be applied until the difference of the insurance monies and my principal balance was paid, around $ 36k. I informed Amerihome that I didn't have $ XXXX as I had lost everything I owned in Harvey. I was told that my buyer is required to pay the $ XXXX in order for the sale to close. I informed them that my buyer was not comfortable paying that and again requested the monies be applied to principal in order for the title company to be able to pull a correct payoff statement. The title company refused to close unless they could pull a correct payoff, meanwhile I continued to pay my mortgage, plus the neighborhood dues of {$450.00} per month plus the rent I was paying to live elsewhere, since my property was not inhabitable due to the flood, plus insurance on the property plus property taxes.
On multiple occasions, I called Amerihome and explained my situation with no resolution.
I sent many emails to Amerihome explaining that the restricted escrow funds in the amount of {$78000.00} be applied to my principal balance so that I could sell it. They were unanswered. I filed complaints with the TDSML and the XXXX and finally received a call on XX/XX/XXXX from Amerihome who said they would finally apply the insurance monies to my principal balance immediately.
Today is XX/XX/XXXX and the insurance monies have not been applied to my principal balance, thus disallowing me to sell the place still.
I humbly request that a complaint be filed against Amerihome Mortgage and some settlement be reached to pay me back for the months of expense I have endured and haggled with this company to reach resolution. Amerihome has gained interest on the insurance monies in the amount of {$78000.00} for several months and continued to charge me interest on my mortgage. Had Amerihome resolved this issue back in XX/XX/XXXX, and allowed me to sell the property, I would have been spared the expense of the property taxes, insurance, neighborhood fees and mortgage payments I have faithfully paid all along. My intention throughout was to sell and move on and Amerihome was made aware of this dating back to XX/XX/XXXX.
Please contact me with any needed clarification.
I can be reached at XXXX XXXX XXXX ;
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| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called in XXXX being proactive to make sure everything was in order for when XXXX came around to start my payments again. I told the representative that I would need to fulfill the full forbearance period and not be able to make payments until XX/XX/XXXX. She stated that was fine that this process takes some time and no payment will be due before XXXX. On XX/XX/XXXX I opened a letter from AmeriHomes dated XX/XX/XXXX stating that my deferral has been completed and the dates were for XX/XX/XXXX to XX/XX/XXXX 11 months. My heart fell because there was not way I could pull together the XXXX payment. I call Amerihomes and explained to them what the conversation was with me and the initial rep and was told by the current rep that the other rep misinformed me and that is not how a deferment works and made me feel like I should have know the whole process but I am expecting to be told the correct information so I can make the best choice. The call ended with me asking for her ID number and her hanging up on me. I called again but it was close to closing time and spoke with a kind professional young man that told me they have alot of newer representatives and tried to transfer me to a supervisor but was unable to. I called back again the next day and asked since they pushed the deferment through can I use the last month of my forbearance since I was told we are alotted 12 and I was told yes so I did just that but when I went to make my XXXX payment XX/XX/XXXX that payment was taken and put towards my XXXX payment when I have documentation showing I was granted and in forbearance for XXXX. I called to get the issue resolved and was told that nothing can be done. I asked to speak to a supervisor and was told they can put a request in and someone will get back to me within 72 hours. I asked for a tracking number in case I need to call back but was told they do not provide that information. Needless to say no one called me so I called back on the 4th day retold my issue and the rep I was speaking with was being extremely helpful and I was thinking thank you god! but then she changed and told me there is nothing they can do. I explained that I'm a single mom and was depending on payments not starting until XXXX. I asked since they are taking my XXXX payment and putting it towards XXXX can I use my last month of forbearance and she told me I have no time left for forbearance. we counted the month together that added up to 11 months and she said I don't know how it works and I'm grasping at straws. I tried to call back and once verified the phone hung up and tried calling again then once verified the representative said they couldn't hear me and now I'm here trying to get someone to help me with this. This is huge for me and I just don't understand how people get customer service jobs but are not required to have customer service skills. The reps have talked over me, put me down, made me feel like I was XXXX for not knowing their protocols and procedures. When I call my mortgage company I expect to speak with a representative that is going to be giving me the correct information so I can make a solid decision. That is not the case at AmeriHomes. I asked the last rep if I should hire an attorney to help me gather the recorded phone calls and documentation that they have so they can see I was misinformed and the rep said well if you can get a lawyer you must have money '' I am a hard working mom just trying my best to make ends meet and this whole ordeal with Amerihomes has been an absolute nightmare. The representatives are the gate keepers to the supervisors and the reps are misinformed and will not transfer calls over to a supervisor instead they will say they are submitting a review to the supervisor and you should hear back within 72 hrs but I have yet to receive a response. I'm scared my credit report will be affected by them stating XXXX was late when I infact made that payment.
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| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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There are two properties : XXXX and XXXX XXXX XXXX, XXXX PA XXXX. I own both. Travelers homeowner insurance on each property runs from XX/XX/XXXX to XX/XX/XXXX.
The current situation is that AmeriHome has failed to pay XXXX homeowner insurance premium on XXXX, will not work with me or my insurance agent to ensure that XXXX is paid, and has poorly trained and/or evasive staff manning the customer service phone lines ; and failed to pay XXXX XXXX policy in a timely fashion.
The resolution I want is : I want the homeowner insurance premium paid via OVERNIGHT mail for XXXX XXXX XXXX and paid NOW.
I want the recurring, annual homeowner insurance premiums on XXXX and XXXX XXXX XXXX to be paid in a timely fashion. ( It is no surprise that the policies run XX/XX/XXXX to XX/XX/XXXX annually. If I change insurers, I will inform AmeriHome so there are no changes in this regular, annual schedule. ) I want to be compensated for the interest I lost between the time that AmeriHome takes funds from escrow and the time that XXXX actually receives/deposits the payment. Apparently XXXX is the only company of the two that routinely and promptly issues invoices and immediately cashes payment checks. I dont know and yet I suspect AmeriHome is playing the interest float between the time AmeriHome takes funds out of escrow and actually issues a payment check.
What I still dont understand : In 2021, why AmeriHome is issuing and bulk mailing paper checks? Electronic transfer of funds is the normal process when I pay my bills online. How is it that corporations still hide behind the paper check/bulk mailing process?
AmeriHome considers it to be in their interest to make the premium payments ( because I, as a homeowner, am considered to be less reliable than AmeriHome, mortgage holder ). In my current situation with an unpaid homeowner insurance premium on XXXX XXXX XXXX, it appears that AmeriHome is the less reliable partner.
XXXX XXXX XXXX XXXX invoices AmeriHome for XXXX homeowner insurance premium.
XXXX XXXX invoices AmeriHome for XXXX homeowner insurance premium.
XXXX AmeriHome removes funds from escrow to pay XXXX premium. It takes AmeriHome 44 DAYS to respnd to XXXX invoice for XXXX.
XXXX XXXX records XXXX premium paid, 60 days after the premium invoice was mailed. XXXX This is about 2 weeks in the mail at 16 days, substantially less than AmeriHomes 44 day initial response time. ) XXXX AmeriHome removes funds from escrow to pay XXXX premium. It takes AmeriHome 67 DAYS to respond to XXXX Invoice for XXXX.
XXXX I, homeowner of both properties, call AmeriHome. I learn that AmeriHome only sends paper checks ; only bulk mails paper checks ; because the checks are bulk mailed, it would take until XX/XX/XXXX to verify that the check was not cashed ( and its not possible to put a stop-payment on any individual check because that might invalidate the entire bulk mail shipment ) ; that if I provided an overnight address for XXXX, AmeriHome would overnight payment ; and that the " direct '' insurance agent number is XXXX.
XXXX XXXX insurance agent calls AmeriHome using the direct agent number and speaks to XXXX. First, AmeriHome has no record of my XX/XX/XXXX call. Second, XXXX questioned my agent about how she knew that AmeriHome bulk mails premium checks. Third, according to XXXX, there is nothing that she could do to help ensure the premium gets paid because XXXX paid the premium. That XXXX has not yet received the payment was of no interest nor concern to XXXX.
XXXX XXXX file this complaint against AmeriHome.
In addition, these two properties are tax-abated for 10 years at {$250.00} property taxes/year. AmeriHome just paid {$880.00} on each property for taxes. AmeriHome is unable ( based on XX/XX/XXXX phone call ) to send me copies of the tax invoices sent by XXXX. Seems to me to be another instance of " Oops. Sorry, we're just playing the interest float and will refund overpayment as soon as you, homeowner, catches it. ''
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| 06/07/2021 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/2021, I received a letter in the mail ( dated XX/XX/2021 XXXX from AmeriHome Mortgage stating that my home insurance was expiring. I contacted the insurance company XXXX XXXX XXXX XXXX and was informed that my insurance had lapsed XX/XX/2021 due to non-payment by the mortgage company. They also indicated that they had submitted a bill for the amount due and it had not been paid within the grace period. I contacted AmeriHome Mortgage, with an agent from XXXX XXXX on the phone, letting them know what I had discovered. They indicated that they would look into the matter. On this same day, I paid {$520.00} to have my homeowners insurance reinstated on XX/XX/2021. I later provided proof of this insurance to the mortgage company, indicating the lapse and I mailed a letter requesting the return of the money that I had paid to reinstate the insurance. I received a second letter dated XX/XX/2021, stating that they had received the proof of insurance, however, there was a lapse in insurance from XX/XX/2021 to XX/XX/2021 and that a {$27.00} fee would be charged to my account unless I could show evidence of insurance coverage during that time. I contacted AmeriHome Mortgage on XX/XX/XXXX, stating that I was not going to pay this money because the lapse was not through my neglect but due to theirs because they had failed to pay the insurance from my escrow account. The individual I spoke with indicated they would email a supervisor to look into the matter and put in a request for me to receive a call back. Needless to say, I never received a call back. I received a third letter, dated XX/XX/2021, with the subject line - second and final notice - referring to the previous letter. I contacted the company on XX/XX/2021 stating that I had already contacted them about this matter. The individual sent an email to the insurance department, after stating the department did not have a phone number through which I could contact them directly, however they would see her email and make any necessary updates on the account. She did indicate that she saw on my account a request from my insurance company of the full premium for this year. I also uploaded, on the my coverage portal, a copy of this letter, along with a copy of the letter I had mailed earlier requesting reimbursement of the money I had paid to have my insurance reinstated along with another copy of the receipt. I received a fourth and fifth letter ( on the same day ) both dated XX/XX/2021. One letter stated, Thank you for providing evidence of hazard insurance coverage. The coverage we purchased on your behalf has been cancelled effective XX/XX/2021. Any unused premium that has been paid will be refunded to your account. ... The other letter stated, Our records show that your hazard insurance is expiring, and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. '' Once again, I contacted AmeriHome Mortgage on XX/XX/2021. The individual I spoke with, after a long discussion with her supervisor, told me that I needed to provide proof of insurance coverage for the lapse that occurred XX/XX/2021 to XX/XX/2021. I indicated that I was not able to provide proof of insurance because there was no insurance on my home during that time because they had not upheld their terms of the contract and paid the insurance to the insurance company. I also asked to speak with someone else who would help me with the situation because neither she nor her supervisor could resolve the situation. After some consultation, off the phone, she stated that she was going to transfer me to the insurance department. I can not say that she did not transfer me to the insurance department, however, I can say that I did not reach the insurance department. The phone rang for about 5-8 times and then rolled back into the menu options I got when I first called the company.
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| 02/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Below is a chronological review of actions. The complaint is that AmeriHome Mortgage received timely payments. The first payment went to the wrong account number. I had a 3 way call with Amerihome and my bank to verify via fax payment was made and AH agreed they would apply to correct account number. AmeriHome lacked following through with this agreement, had multiple internal opportunities to identify why my statements weren't syncing with my on time payments and not until XXXX did I figure out that they didn't transfer fees, but returned fees to a temporary account I used for daughter 's savings without informing me of such. I made two payments in XXXX after identifying what they missed and the resolve was them reporting me to the bureaus as late 30 days for a problem from XXXX of 2020.
XXXX statement due by XXXX paid on XXXX payment went to wrong account number XXXX statement due by XXXX paid on XXXX o First sign of overdue payment o No late fee showing XXXX statement due by XXXX paid on XXXX o No late fee showing o Still overdue showing o Called to find out why overdue o Joint call and fax verification with my bank and AmeriHome ( AH ) o The payment loan number issue between refinance and Amerihome transition was to be moved over to correct account/loan number Bank and AmeriHome agreed to this on a 3 way call XXXX letter received from Amerihome after I wrote a letter to get verification that this was resolved, AH stated this was simply the systems billing cycle needed to catch up to the resolution and that the payments were transferred hence I was up to date XXXX statement due by XXXX paid on XXXX o No fees charged o NO RETURNED PAYMENT SHOWING ON MORTGAGE STATEMENT OR LETTER RECEIVED XXXX statement 2nd invoice within same billing cycle seemingly resolves being made o No fees charged o NO RETURNED PAYMENT SHOWING ON MORTGAGE STATEMENT OR LETTER RECEIVED XXXX statement 3rd invoice same billing cycle seemingly resolves being made o OVERDUE AMOUNT REMOVED o No fee charged o No sign of returned payment XXXX statement due XXXX paid XXXX o Overdue returns on statement o Late fee shows on statement o I am following the letter and conversations therefore seeing this as still a billing system issue. Frustrated that it hasnt resolved yet XXXX statement due XXXX 2nd statement same billing cycle o OVERDUE GOES AWAY and at this point after calls 2 late fees were removed as multiple representatives saw this as an AH oversight and waived until they could resolve o Thinking resolved again however late fee showing thinking billing software system issue. Frustrated but waiting until next statement to see clear up XXXX statement due XXXX paid XXXX o Called AH finally got to the bottom of this so went to my bank statements to show on-going evidence o Found out at this time that AH had returned my funds rather than transfer my funds from loan number confusion in XXXX, however they returned it to my account I use for college savings hence don't notice nor check on a monthly basis since not spending. AH did not inform me that they chose to refund the payment made on time in XXXX rather than do as they agreed on our 3 way call w bank, which was to transfer funds to appropriate account number o Was never informed this occurred and was against the agreement on recorded call with AH and XXXX XXXX XXXX agent that faxed the verification on the 3 way call o XXXX Told the representative I would double pay on XXXX then XXXX two back to back Fridays during the same billing cycle, which they agreed would work for AH and for once and all resolve the issue at hand XXXX statement due XXXX scheduled to pay on XXXX as I have done all this time on a schedule to own up to my contract with AH - Representatives said they would send internal requests to remove the 30 day late pay as they saw that this was an AH oversight, however after their internal dispute dept reviewed twice they refused to make the corrections.
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| 03/03/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My husband and I refinanced our primary residence in XX/XX/XXXX with XXXX XXXX in northern Virginia. Our first mortgage payment was to be XX/XX/XXXX to AmeriHome. XXXX XXXX did not require Wind and Hail Insurance. My husband and I, however, did purchase it from XXXX XXXX XXXX XXXX XXXX, NC. The amount of our monthly mortgage was {$1600.00}.
Because our Flood Insurance dropped by {$1000.00} we asked AmeriHome for an Escrow Analysis. There was hesitation on AmeriHomes part.
We received a Loan Statement in XX/XX/XXXX showing that our monthly mortgage payment increased to {$1700.00} at XX/XX/XXXX. An increase of $ XXXX. We objected because we were paying the Wind and Hail on a quarterly basis and had made two payments. AmeriHome made the payment for the remaining half of the year. That payment was due in full by XX/XX/XXXX. So in XXXX the Wind and Hail was paid.
On XX/XX/XXXX we received a notice from AmeriHome dated XX/XX/XXXX stating that there is an increase to pay for the the Escrow Deposit of {$6.00} plus and Escrow Shortage of XXXX per month raising our monthly Mortgage Payment to {$1800.00}.
This same form shows that this money is needed to pay the Wind and Hail on XX/XX/XXXX, however, the XXXX XXXX XXXX has already been paid.
The amount AmeriHome needs to collect to pay XXXX XXXX XXXX for XX/XX/XXXX is 6 months of XXXX : {$94.00} x 6 = {$56000.00} and Eight months of XXXX :8 x $ XXXX XXXX. Total is {$1300.00} for XXXX. The amount lacking for the total XXXX XXXX XXXX bill is {$810.00}. AmeriHome gave us a check with no accounting of {$810.00} as an Escrow Overage.
We can not pay this additional charge of the escrow increase.
We wrote this letter to AmeriHome on XX/XX/XXXX : Hello, [ AmeriHome ] Thank you both for your work.
We are sorry this got off to a rocky start.
We take our mortgage and mortgage payments very seriously.
The accounting is ok but here are the difficulties as we see it : Our first payment to AmeriHome was to be XX/XX/XXXX.
Our Flood Insurance dropped at XX/XX/XXXX So AH over-charged us by $ XXXXmonth ( {$100.00} XXXX for those three months for flood insurance.
When we found out AH would service our loan we contacted AH on XX/XX/XXXX to ask for the Escrow analysis and we received a check representing overage. We dont know what the amount of the check comprises.
If XXXX required the Wind and Hail to be included ( captured ) within the monthly payment, a notice of said could/should have been sent to XXXX and me. XXXX XXXX XXXX representative ] says that a Mortgage company can compel an insurance to be included.
We paid the original amount of {$1600.00} for XXXX, XXXX and XXXX. Therefore no XXXX & XXXX was collected by AH.
And there was no event requiring XXXX XXXX XXXX insurance.
Beginning XX/XX/XXXX the new mortgage rate is {$1700.00} which includes XXXX & XXXX an increase of {$94.00} Now XXXX XXXX XXXX is due in XX/XX/XXXX. We have paid {$1000.00} of that and AH paid {$1000.00}.
So for XXXX the XXXX XXXX XXXX has been paid. Therefore our monthly payment should go down by $ XXXX12 = {$89.00} representing the amount we have paid.
We are asking for some reductions from XXXX and some reduction for XXXX.
Please let us know if your accounting differs.
Thank you [ The Home Owners ] AmeriHome replied Hello There is no reduction due on the account. The payment for the wind insurance created the larger escrow payment. AmeriHome collects escrow funds year round to ensure that we have enough funds on hand when the payment comes due ( your wind is due in six months in XX/XX/XXXX ). We have to collect funds in advance so a shortage is not created.
As I have stated before any overpayment on the flood payment was included in the escrow analysis completed. Any additional funds would off set any escrow shortage.
Manager, Customer Experience Office of the President AmeriHome Mortgage Company , LLC XXXX
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| 07/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was sold to Amerihomes in XXXX of XXXX. My monthly mortgage payment due to Amerihomes is {$3000.00}. On XX/XX/XXXX I submitted a payment of {$1500.00} to Amerihomes through my bank, XXXX XXXX XXXX. On XX/XX/XXXX I submitted a second payment of {$1500.00} through my bank, XXXX XXXX XXXX. These payments totaled {$3000.00}. These payments left my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively.
On XX/XX/XXXX I received a telephone call from Amerihome stating that I had not made my XX/XX/XXXX mortgage payment. I told them I had, and provided the dates of payment. I was told that because I submitted two payments instead of one, my payments were not credited. I informed them that the payment was not returned to my bank. I was informed my bank had to send proof of payment to have the funds applied to my account.
On XX/XX/XXXX I held a conference call with XXXX XXXX XXXX and XXXX in which XXXX XXXX XXXX provided the dates of the wire transfer. XXXX XXXX XXXX then sent proof of payment to Amerihome. Below is confirmation I received from XXXX XXXX XXXX of this proof of payment ( with identifying information redacted ) : XX/XX/XXXX Dear XXXX, Case ID : XXXX Pay To : Amerihome Mortgage Scheduled Payment Date : XX/XX/XXXX Amount : {$1500.00} Thank you for your recent inquiry regarding your payment to Amerihome Mortgage. We appreciate the opportunity to service your banking needs.
On XX/XX/XXXX we sent proof of payment to Amerihome Mortgage.
Amerihome Mortgage advised to allow one business day business days to research and properly post the payment to your account. Please allow more time for the payment to post.
You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.
Thank you for choosing XXXX XXXX XXXX.
XX/XX/XXXX Dear XXXX, Case ID : XXXX Pay To : Amerihome Mortgage Scheduled Payment Date : XX/XX/XXXX Amount : {$1500.00} Thank you for your recent inquiry regarding your payment to Amerihome Mortgage. We appreciate the opportunity to service your banking needs.
On XX/XX/XXXX we sent proof of payment to Amerihome Mortgage.
Amerihome Mortgage advised to allow one business day business days to research and properly post the payment to your account. Please allow more time for the payment to post.
You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.
Thank you for choosing XXXX XXXX XXXX.
Since submitting the proof of payment I have received repeated telephone calls and debt collection notices from Amerihome claiming that I have not paid the XX/XX/XXXX bill and demanding payment. I have repeatedly explained the situation to various customer services associates. I was first told their research department would investigate and get back to me within one business day ( this is verified by the XXXX XXXX XXXX confirmation ). When I spoke with a representative later in XXXX, I was then told that it is never that fast, but that I could expect a response within 10 days, or XX/XX/XXXX. As of XX/XX/XXXX, I continue to receive debt collection calls from Amerihome and the issue has not been resolved. On XX/XX/XXXX, I was informed by a customer service supervisor that if Amerihomes can not find the payment, they will report it to the credit reporting agencies, even though I submitted proof to them that they received the payment.
Finally, when I attempt to pay my XX/XX/XXXX bill online, I am given no option but to pay {$6100.00}, which is double the mortgage I owe. I am extremely upset by this whole process. It is dishonest and rising to the level of harassment.
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| 03/21/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In late XXXX or early XXXX of XXXX I inquired about an FHA streamline refinance with the lender who bought my loan from the initial purchase of my first home. I had been approached by other lenders but thought I would ask my current one ( AmeriHome ) to see how they compared. I bought my home in XX/XX/XXXX & was looking to refinance for a lower monthly payment.
I was initially told by MrXXXX XXXX with AmeriHome that it probably wouldn't be able to close until XXXX because of how busy they were. After my initial contact I submitted documents which included the proposed XXXX tax rate depending on board approval. This raises the taxes substantially. I expected this to be accounted for at closing for both the cost of the XXXX taxes & for the projected XXXX taxes. I spoke with Mr. XXXX specifically about it when I received the estimated tax rate.
Somewhere along during this process, my mother was hospitalized, so although Mr. XXXX said we could close in XXXX I asked if we could close in XXXX. I felt pressure to close in XXXX. Also, the timing of the refinance made it so the XXXX taxes wouldn't be paid with the initial loan. Unfortunately, I closed on the refinance without catching the omissions of the shortages to account for the tax increase for the XXXX & XXXX taxes.
In XXXX, when I got my mortgage statement that showed no taxes for XXXX, I asked Mr. XXXX if the taxes had been accounted for in the refinance & he told me it was a title company issue. I then called AmeriHome customer service & let them know my XXXX taxes didn't seem to be accounted for so they gave me an email to send the tax bill to.
In XXXX, I went on their website to get my account info & saw that my monthly payment was slated increase substantially ( higher than my original monthly payment ), yet my XXXX not XXXX statement made no note of this. The website didn't give a reason for the increase. So I called AmeriHome to ask what this was about. The customer service representative said it was a result of an escrow analysis done. He said that I should have received a copy, but when he looked, he noticed that I wasn't sent the escrow analysis. I asked him to send it to me.
I made a complaint on the XXXX website & was contacted by XXXX XXXX with the AmeriHome president 's office. She spent time researching, then told me she found out from the title company that they sent the tax payment back by the county because the board hasn't approved the budget, but the funds were not returned. Then the next day told me the title company had sent ~ {$1500.00} back to AmeriHome & {$500.00} to me, so that wasn't where the shortage came from. She essentially took over a month to arrive at the conclusion of what I originally complained about : I provided updated tax info at closing which was not used by the sales team to accurately assess the escrow & monthly payment. Their solution is for leadership to give feedback to the sales team - although I'm confident the sales team is aware of their shell game tactics. While trying to be helpful, throughout this process she has provided me with inaccurate & incomplete info.
In addition, when I tried to make a payment for the escrow shortage, they applied it to the new higher payment instead of the escrow shortage. When I made the monthly payment based on the amount that it should be after the paying the escrow shortage, they didn't correct the escrow shortage payment & properly adjust the monthly payment.
Not only this, their customer service automated phone system has a default to hang up on customers expecting to be transferred to a live person. I called 3 times & it hung up on me after saying I would be connected.
I am beyond frustrated with this company. I am hoping someone can help make sure XXXX is held accountable for its questionable practices & what seems like advise of the FHA refinance process.
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| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Refinanced home in XXXX, XXXX with XXXX XXXX. After one payment to XXXX in XXXX, loan was sold to Amerihome. Prior to making our first payment to Amerihome in XXXX, I started receiving letters from them in XXXX stating my flood insurance did not meet minimum standards. I immediately called and questioned why since my insurance had been sufficient since my original purchase as a new home in XXXX and was sufficient for closing in XXXX, XXXX, but was now not sufficient in XXXX? I could not get a straight answer, so I then had my insurance agent call to discuss. She ended up purchasing additional insurance at the cost of {$1.00} the early part of XXXX. She uploaded all updated policies and followed up with several emails. She also received confirmation that policy was received. I then received a notification in XXXX that since I had neglected to respond to their notification of insufficient flood insurance, Amerihome automatically withdrew {$1100.00} from my escrow account to purchase a supplemental policy. First, I have one hybrid condo of two units and all common insurance, fees and payments are handled by an HOA account. To date, we have email confirmations that policy was received and updated successfully and funds would be returned to my escrow account. Instead, I received a letter that I owe my escrow account {$600.00} because it is now short because of the {$1100.00} withdrawal. I can pay in full or I can choose an increase in my monthly mortgage payment. I have made numerous attempts to get this straightened out. My insurance agent has made numerous attempts to get this straightened out. I have requested several times to speak to a manager and not only have they not allowed me to, but they don't want to provide me with the names or contact info of who may be working on my account. I truly feel like I am caught up in a scam. I became frustrated and threatened to contact you if a manager did not return my call. That was almost two weeks ago and I am still waiting. I even followed up with an additional phone call, again being told it would be fixed and a manager would call. Nothing. Out of desperation, I them signed in to electronic access to my account and sent a message to speak to a manager that way. My first message submitted on XX/XX/XXXX was answered quite curtly with how they must abide by all rules and laws and that a policy is taken out of escrow account when the policy is insufficient and case was marked " issue resolved ''. It was clear that it was a semi-canned response with no effort put in to gathering information or investigating current situation. I then submitted a second message on XX/XX/XXXX stating the issue is not resolved and I am insisting on a call from MANAGEMENT be made to either myself or my insurance broker by tomorrow morning, ( XX/XX/XXXX ) or we will be escalating this issue in the form of a complaint to the Federal Trade Commission. Their response was that it had been escalated to a specialist for review and if I had any questions, to call a number attached. I called yesterday, ( XX/XX/XXXX ) and after a long wait on hold with the Presidential Complaint line, I received a message to leave a message. My message was that if I didn't hear from someone before noon today, ( XX/XX/XXXX ) I would follow through with my complaint. After no response, I called again this afternoon and received the same message. My Insurance agent concurs that we have never dealt with such an inept institution with such little care towards customer service or effort to resolve issues in a timely fashion. If there was some issue or misunderstanding, it should have been easily rectified with one phone call and one policy upload. I have owned homes and held mortgages since XXXX and have never had an experience such as this. I really wish I had a say in who held my mortgage, these people are not ethical.
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| 10/02/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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Amerihome had bought my mortgage loan from MI XXXX. Amerihome was the servicer for my mortgage loan for most of 2023 ( until XX/XX/2023 ) and had issued a check in the amount of {$860.00} for my annual home insurance costs. This check was cut on XX/XX/2023, and the home insurance policy was set to expire on XX/XX/2023. After receiving notice of my policy being cancelled from my home insurance company on XX/XX/XXXX. Initially calling Amerihome after receiving the cancellation notice, I was told the funds were wired to the XXXX. After going back and forth with the carrier, my insurance broker, and Amerihome, Amerihome told me on XX/XX/XXXX, that the funds were not wired, it was sent via check ( check # XXXX ). After following advice from Amerihome, they said it could take approx 10 business days for the check to be cleared by my home insurance company, even though they knew it was sent to the wrong address. They stated that they could not put a stop payment on the check. I repeatedly told them it was going to the wrong address and I worried that the check would be cashed by someone else other than my home insurance company. In the meantime, Amerihome sold my mortgage loan to XXXX XXXX in XXXX of 2023.
After my home insurance XXXX had still not received the funds, it was finally acknowledged that Amerihome sent the funds to the wrong address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXXhe correct address XXXX XXXX XXXX, XXXX, TX XXXX. Ultimately, Amerihome told me that the new mortgage lender would have to resolve this issue. In the meantime of all of this, I was without home insurance coverage on my house until XX/XX/XXXX, because I was then at that point able to pay 2 months worth of coverage out of pocket so my home insurance company could reinstate my policy to ensure I didn't continue going without a policy on my house.
Additionally on XX/XX/XXXX, Amerihome told me the next step is to have XXXX send their yearly premium invoice with the correct address for remittance to XXXX. I had to go to XXXX to view the insurance information and have my insurance broker try to fix this via an email. So in doing what we thought was right, on XX/XX/XXXX, my insurance company uploaded all the documents as XXXX XXXX XXXX XXXXXXXX instructed us to do so. Ultimately, we never heard back from XXXX regarding anything. Again, I had to go back to contact XXXX XXXX and Amerihome to try and resolve this.
Fast forward to today ( XX/XX/2023 ), I called XXXX XXXX who is now servicing my loan to discuss about stopping a payment on the check, XXXX have previously been told by Amerihome that XXXX XXXX is the only one who can handle this, and much to common sense, XXXX XXXX didn't have access to the check, therefore couldn't put a stop payment in place. So I had to call Amerihome back and talk to different customer service reps who told me that there wasn't anything that can be done since my loan with Amerihome was closed due to it being bought out.
After calling today ( XX/XX/2023 ) and being bounced around from automation, to standard over seas customer service reps, I was finally able to be escalated to a supervisor, XXXXXXXX XXXX XXXX XXXX XXXX initially told me there wasn't anything he can do, and that it was on XXXX XXXX to figure this out. After I explained to him that this was an Amerihome check that was issued, XXXX XXXX couldn't help with this. After 5-10 minutes, XXXX, was able to pull up the check and all of a sudden realized Amerihome sent the check to the wrong address. From there he was quick to say that Amerihome would have the check ready to be reissued by the end of the week ( XXXX of XX/XX/2023 ). I asked XXXX XXXX XXXX XXXX to provide me an update as to when the check is issued and is ready to be mailed out. He asked for a call back number to do so.
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| 11/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Two Issue with AmeriHome Mortgage ( AHM ) Occurred : www.Amerihome.loanadministration.com Both have to do with the Escrow Company failing to return my Escrow Balance within the allotted time frame, thereby making false claims so they can earn interest on my refund rather than give it to me timely.
ISSUE ONE : XXXX AHM issued a check for {$170.00} as an overage on the Escrow Account. ( we failed to cash it in a timely manner- we own that ).
XX/XX/XXXX, we attempted to cash the check, but AHM had already put a stop payment. We were charged {$35.00} for the Attempted transaction.
XX/XX/XXXX called and requested a reissue. Gave all identifying information ( Check #, account # and amt ) Including sending a copy of the check. Kept original for verification, and told did not need to return.
XX/XX/XXXX Still no check for {$170.00}. Spoke with XXXX XXXX rep. Notes indicated that the department that handles that type of check issuing noted that they did not have enough information to process the reissue of the check. What was needed : Check Number. I had already given that, but gave again. XXXX indicated she would resubmit request to reissue check.
XX/XX/XXXX : called AHM to see if check reissued : No record in account of reissue completed.
XX/XX/XXXX Still no check. Today, I was told that my account was flagged for an incorrect address, so no payments could be processed, even though I have not changed my address, and when the rep read back my address it was correct. She indicated she would once again reprocess the refund request for the {$170.00}.
MIND YOU this is a check for money that has been outstanding since XX/XX/XXXX. They have been able to make interest on this for 11 months now.
ISSUE TWO : FAILED TO REFUND MY ESCROW ACCOUNT AFTER A REFINANCE TRANSACTION.
XX/XX/XXXX : Transaction completed and mortgage payoff date. Escrow was to be processed for refund within 21 days.
XX/XX/XXXX : Alleged Issue of Refund consisting of 3 checks. {$68.00} ( PMI ), XXXX & XXXX.
XX/XX/XXXX : Contacted AHM still no checks were received. Was told that I had to wait until XX/XX/XXXX ( 30 days after original issue ) to report checks as missing. I was told that the mail delivery has been slow due to the Election, and to be patient, that it will come.
XX/XX/XXXX : Contacted AHM. They claimed a check for {$68.00} was issued on XX/XX/XXXX for the PMI. BUT not the rest of the Escrow.
XX/XX/XXXX : contacted AHM. Representative claimed that on XX/XX/XXXX, a check was reissued for {$68.00}. ( PMI ), but no mention of the rest of the Escrow ( {$28.00} + {$1700.00} ). Rep kept going offline to speak to someone. Then came back and said my address must have been wrong, and that it was returned. Again, I repeated my address, and after some clarifying questions she finally revealed that someone ( refused to tell me who ) flagged my account to say that my address is wrong and no payments can be processed. This after repeatedly telling me that checks were allegedly already issued and en-route. Rep refused to give me dates that the payments were allegedly issued, and or returned. I asked to speak to a Supervisor, and was told that I was not able to do so, and that I could receive a call back within 48 hours.
This Escrow company has failed to return my Escrow funds within the Legally allotted timeframe. I want my refund overnighted to me. This game has gone on long enough. No need to upload any documents, the company does not dispute they owe me the money, they just cant seem to get it to me and have used lame excuses for why I do not have the checks yet. If this company is using this as a way to continue to earn interest on monies that are in their accounts, that should be in the hands of consumers, this is wrong and should be illegal. I somehow think I am not the only one that has had this experience.
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| 03/09/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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THE BACKSTORY : Originally my employer was shut down by the Covid restrictions which were extended numerous times by XXXX XXXX. We are a non-essential business and were forced to stop working thus causing severe financial hardship.
Throughout communication with XXXX over the Covid shutdown we were advised that payments were paused and no additional interest would be accrued and that the Government was working on programs to help with home owners that wanted to keep their homes. Eventually I was pointed to the first of the loan modification packets.
Throughout this process I have followed up via phone calls every couple days to weeks to try to get back to making mortgage payments. After numerous times of going through this process and amerihome not locating my documents and materials that I submitted I was approved for a loan modification that honestly was ridiculous. The amount of interest was absurd- and totally not what I was advised for the year ( s ) leading up to it. But the only other option was to lose my house so essentially under duress I signed the document.
So upon signing the approved loss mitigation plan with a loan modification with the first payment being due was XX/XX/XXXX. Of which, I paid and followed up with a phone call to be sure it was received. It was indeed received and cashed by XXXX and cleared my account. ( I HAVE THE CASHED CHECK COPIES ) The 2nd trial payment was sent in and I followed up with a phone call as well. It was shown as received and cashed by XXXX and cleared my account. ( I HAVE THE CASHED CHECK COPIES ) On or about midXXXX we were served a letter saying that we defaulted on our loan modification and were placed back in active foreclosure. After several phone calls to determine where the default occurred we were told that we missed a trial payment and to absolutely not send in the 3rd ( XX/XX/XXXX ) because it would be rejected and sent back to me via mail.
I have proof of each payment and sent in said proof via email AND fax to XXXX and the attorneys assigned to our foreclosure.
Our home is listed on XXXX, foreclosure auction placed in our newspaper and the humiliation and bullying our children received as a result is immeasurable. We have a reputation in this town and our business relies on our responsibility and reputation. XXXX posted our home multiple times. My kids were getting bullied from other kids about losing their house and being poor and broke. As well, we are getting numerous phone calls and texts from relators that we know trying to buy our home for pennies on the dollar because we are in active foreclosure.
We did NOT in fact default on the loan modification, however, we received a letter from XXXX in XX/XX/XXXX confirming this when they refunded the trial payment to me saying they " applied it to the wrong account ''. The clerical or administrative error on behalf of XXXX has cost us our loan modification THIS WAS BY NO default made by me.
Dates packets were filled out : XX/XX/XXXX : First mitigation packet was filed XX/XX/XXXX : Additional items were submitted XX/XX/XXXX : XXXX Mitigation packet was filed XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up again via email because I was supposed to receive a call back XX/XX/XXXX : XXXX Mitigation packet was filed XX/XX/XXXX : additional items were submitted via email XX/XX/XXXX : updated dates on items via email XX/XX/XXXX : re-submitted additional items XX/XX/XXXX : followed up via email XX/XX/XXXX : 4th mitigation packet was filed XX/XX/XXXX : additional items were submitted via email XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up via email XX/XX/XXXX : re-sent in additional items via email ****This final mitigation packet was DENIED and we are placed in active foreclosure.
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| 02/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My original home owners insurance company that came with the home apparently had an expiration date that I was unaware of. I thought my insurance would automatically renew on its own. Once the policy expired and was not renewed, my mortgage company ( Amerihome ) took it upon themselves to insure my home with their insurance company they partner with. I noticed this when I was asked to pay a mortgage payment that was much higher than normal. I called Amerihome and after speaking to several representatives, I finally understood the real reason for this overpayment after receiving several different reasons- Amerihomes insurance company is very expensive. So I asked them if I could find my own insurance company and receive back-credit since I was unaware of this incident. The man I spoke with said yes, once they receive proof of coverage that I would receive a credit in the amount of the overage. This was XX/XX/XXXX and my original insurance had expired in XXXX of XXXX, so I shouldve been credited for 3-4 months worth of overpaying upon finding my own coverage. I found XXXX had the best insurance rates and chose to cover my home with them that same day. I had them send the proof of coverage over the Amerihome so I could get my mortgage account credited the same day as well. A few months go by and I am still not credited by Amerihome. I called Amerihome and asked why I have not received my credit yet. They said they never received proof of coverage from XXXX. I then called XXXX and asked why they never sent proof and I was told that they did not know where to send it. Even though an insurance company HAS to know who your mortgage company is before approving the policy. So I asked XXXX to resend Amerihome proof of coverage so I can receive credit to my account from overpaying. I thought it would all be taken care of, however, to this day I have not received credit from Amerihome and I am still overpaying the same amount from XX/XX/XXXX. So, at this rate I should be owed overpayments fromXX/XX/XXXXXX/XX/XXXX. I have called/emailed Amerihome numerous times regarding my concern and I am told different reasons from different representatives. Mind you, each representative has acknowledged the error on their side and claimed a credit would be sent my way. Still nothing. The very last person I spoke with from Amerihome is now saying that I am being charged for the shortage from not being covered XX/XX/XXXX-XX/XX/XXXX. The shortage theyre claiming Im paying for has already been paid for 10x over at this point. Ive been over paying from XXXX XXXXXXXX-XXXX XXXX. If theyre claiming Im paying for the shortage between XXXX XXXX XXXX ( the dates I wasnt covered by XXXX, wouldnt they have already received the shortage amount considering thats only a 4 month period and Ive been overpaying for almost a year? Ive been on the phone with XXXX all morning trying to figure out what went wrong and apparently the underwriter who wrote my policy is no longer employed there so Im having someone else try to figure it out. But in the mean time, I am still being charged by Amerihome the same amount from back when I was insured by their own appointed insurance company even though they have acknowledged that I have been insured by XXXX since XX/XX/XXXX. All Im trying to do is get them to credit my account in the amount that Ive been overpaying from XXXX of XXXX XXXX. The shortage has been paid for months now. I know for a fact that they received proof of coverage from XXXX back in XXXX of XXXX because we were in person when the proof was faxed to Amerihome. I have contacted the attorney generals office and they referred me to this website. Please help me. I barely scrape by as it is and overpaying on my mortgage has really taken a toll on me over the last year. Thank you for your time.
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| 04/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a copy of the latest written communication to AmeriHome Mortgage : Dear Escrow Research Department : This is my 9th communication to you regarding our escrow account. The following details the communications we have had with AmeriHome Mortgage : 1. XX/XX/XXXX 1st verbal communication requesting an escrow review, we were to receive {$5700.00} returned to us because our taxes were only {$250.00}.
2. XX/XX/XXXX 2nd verbal communication to determine why we had not received the escrow refund, was advised the escrow analysis was re-analyzed and we were to receive {$4600.00}.
3. XX/XX/XXXX 3rd verbal communication received escrow check with detail that our payment was going back up to include $ XXXXmon in escrow. Requested escrow review wherein AmeriHome Mortgage CALL the XXXX County Tax Assessors office to appropriately calculate our escrow to reflect the correct estimated tax of {$520.00} for 2018.
4. XX/XX/XXXX 4th verbal communication received call from AmeriHome Mortgage advising they checked the tax value online ( did not call as requested, because the online information is not correct ) and would not adjust the escrow amount because the value is not reported correctly online.
5. XX/XX/XXXX 1st written communication faxed escrow termination request to XXXX 6. XX/XX/XXXX 2nd written communication emailed escrow termination request to XXXX.
7. XX/XX/XXXX 3rd written communication emailed Notice of Value Real Property Assessment letter received from XXXX County Tax Assessors Office to XXXX 8. XX/XX/XXXX 5th verbal communication called to determine why we received collection letters while we are in a dispute. XXXX supervisor advised AmeriHome received the written escrow termination letter, however since it was not signed in ink it was ignored. He said he would have someone from the escrow department CALL the XXXX County Tax Assessors Office to obtain the estimated taxes for XX/XX/XXXX.
I truly dont believe anyone will contact the XXXX County Tax Assessors Office as requested, because your activity is proving to be fraudulent. The lack of customer service at AmeriHome mortgage is staggering.
We wish to terminate our escrow account with AmeriHome Mortgage on loan number XXXX, IMMEDIATLY.
Our home is in a XXXX XXXX where in we receive significant tax reductions for the first 5 years we live in the home. I contacted the XXXX County Tax Assessors office on XX/XX/XXXX and received the following tax information regarding our property.
Our parcel ID is XXXX and the current assessed value is {$180000.00}.
XXXX reduction through years 1-5 is as follows 90 %, 75 %, 50 %, 30 %, 10 % The reduction is based on the building value of {$160000.00}.
Estimated tax for XX/XX/XXXX is {$460.00} + a solid waste fee of {$63.00} totaling {$520.00}.
We received the enclosed letter from the XXXX County Tax Assessors office dated XX/XX/XXXX which validates the information above. The tax value of our home after the XXXX XXXX is {$35000.00}. Please tell me how the rocket scientists at AmeriHome Mortgage calculate our taxes to be {$4000.00}! You are collecting nearly 8 times the amount we owe!! This is fraudulent behavior.
We have asked several times for an escrow review, wherein you actually CALL the XXXX County Tax Assessors office XXXX. However, you have failed to do the proper research to correctly project our escrow. Therefore, we wish to terminate our escrow account, IMMEDIATELY, please return any and all remaining money immediately. Furthermore, we will not continue to pay you the ridiculous amount you have inaccurately projected. If you attempt to send me to collections or blemish our credit, I will go to the ends of the earth to make certain you never service another mortgage again!
Sincerely, XXXX Notice of Value Real Property Assessment
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| 03/15/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Fell behind in our mortgage XX/XX/XXXX due to job loss. Started up new company same month as no employment opportunities in area. Received loan modification paper work. Completed & mail in required information. XX/XX/XXXX received letter stating loan mod request received & being reviewed. XX/XX/XXXX letter received requesting more information by XX/XX/XXXX. Fax required docs XX/XX/XXXX & upon calling AmeriHome was told was not received. Re-Faxed XX/XX/XXXX. XX/XX/XXXX received letter stating because they hadn't heard from us, being referred to Foreclosure Review Committee. Re-faxed again XX/XX/XXXX. Received letter XX/XX/XXXX stating still not received need by XX/XX/XXXX. Refaxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, each time told was not received. XX/XX/XXXX Loss Mit rep gave me e-mail address to send to instead, so resend in e-mail. XX/XX/XXXX received email that docs can not be accepted through the email and to fax to loss mit. Responded to email XX/XX/XXXX was doing as loss mit rep requested. XX/XX/XXXX received email stating there is no record of documentation granting me access to account information. XX/XX/XXXX responded to email that I am not trying to access any information, only sending in documents per loss mit to email as faxes not received. XX/XX/XXXX received letter stating still haven't received documents, discontinued processing app. XX/XX/XXXX refaxed docs again. XX/XX/XXXX received letter stating loan modification request was received.XX/XX/XXXX received letter stating all documents except 2 must be redone as out of date. XX/XX/XXXX received letter loss mit app appears complete no further docs needed, will be reviewed within 30 days of XX/XX/XXXX, will contact with decision. XX/XX/XXXX received letter app reviewed additional info needed. XX/XX/XXXX sent docs overnight mail. XX/XX/XXXX received letter stating docs being reviewed and 2nd letter stating deadline had passed app no longer being processed. XX/XX/XXXX received letter loan mod request will be reviewed. XX/XX/XXXX received letter docs are outdated & need to all be redone again except a couple. XX/XX/XXXX received letter app appears complete no further info needed will review within 30 days of XX/XX/XXXX & contact with decision. XX/XX/XXXX received letter stating additional information need. Information requested included court order showing child support monthly amount, plus bank docs were again outdated. Called XX/XX/XXXX, rep stated could not find divorce degree stating amount sent in previous year & would matter anyways because they were surely outdated. Took over 30 minutes of arguing & even her reading the letter back to me that stated my divorce decree had been received, but she stated had to be expired because there was no expiration date beside it. Finally after asking 3 times for her manager, he talks things through with me & says I'm correct because court docs don't expire, his rep must have just been confused. Through all this we still do not have a loan modification. It will be 1 year of trying in XXXX. I seem to be getting the run around to see how long I can keep this up. Nothing is done in a timely manner as I'm told. The only way I even find things out is to go online to my docs. Still not receiving anything in the mail, even after repeatedly contacting company, except 1 recent letter that was sent via XXXX. We are now currently looking at our 2nd foreclosure sale date with no end in sight. We've even consulted with a Bankruptcy lawyer about ChXXXX. but because the modification still isn't done, it won't help anything but to stay the foreclosure, which will only help until we are, once again in the same situation due to the payments being more than our current income can support!
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| 06/01/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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We are having major problems with Amerihome Mortgage Company, they have refused to play fair, they have made misrepresentations and they have done everything they can to STOP us from saving our home instead of allowing us to be considered for help through FHA programs. They have set a foreclosure sale date of XX/XX/XXXX , even though they have not conducted a review of our current financial circumstances to consider us for programs like modification or partial claim or special forbearance. We have tried repeatedly to resolve our delinquency and this situation but Amerihome has not worked with us. We made a full mortgage payment to them and they accepted the funds but two months later told us they would not credit the payment towards our account because it did not include the late fee ( so they considered it a partial payment ). After being told for over a month that the only way to fix the problem was to reinstate all missed payments we were able to come up with the lump sum of the late fees and 6 months of payments based on the figures they gave us on XX/XX/XXXX . When I called into to arrange the payment to their office, Amerihome told me that the figure was no longer accurate, because they had referred it to their legal department and now we had to pay an extra {$3000.00}. Although we asked for them to accept the payment so we could at least be back on the right track, Amerihome refused. They are purposely denying us access to government programs that could help us save our home and refusing to engage in common sense problem solving.
My sister and I bought this home in XXXX . Not long after moving in my sister lost her job, then my father became ill and I had to help cover his medical bills. We were able to hang on and make our payments but then I lost MY job also. I was not able to make the XX/XX/XXXX payment. In XX/XX/XXXX I began trying to engage with the Amerihome loss mitigation department and asked for options to solve this problem. They promised to send out paperwork for me to complete in order to be considered for modification or partial claim or repayment plan options. As explained, I sent in the XXXX payment, which Amerihome deducted from my bank account, but failed to apply to my balance. I tried to get clarification on what happened, and then was told by their agents that they would not accept partial payments. At the time the payment was sent and deducted I was only 60 days behind and I made a FULL mortgage payment. The Amerihome agents said, sorry, we are going to hold your money in a suspense account and not apply it to the mortgage. I continued to try and get the necessary paperwork sent to me so we could be considered for modification and they continued to say they would send it but never did. Since the only possible way Amerihome would let me resolve this issue was to reinstate the full past due amount, I requested an accounting and a final figure so that I could reinstate the loan. I received the figure and got the money together and contacted Amerihome to make the payment. I was told that the file had been referred to their Attorney 2 days earlier and now the full past due amount had INCREASED by {$3000.00}. Amerihome would not accept it, and instead of being logical and fair I was told that they would not take my payment and that I was going into foreclosure.
At this point in time my sister and I are both back at work and in a position to afford a fair and reasonable payment. We have attempted a few times to engage with the Amerihome loss mitigation department, but have made no progress. I believe they have violated the FHA guidelines and have failed to follow the proper protocol and procedures for a servicer.
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| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased our home in XX/XX/XXXX.
When the escrow portion of the payments were set up the annual county property portion was based on what the previous owner had been paying, {$4100.00}, however before my first mortgage payment, in XX/XX/XXXX, I emailed our mortgage company to inform them that I'd like them to adjust our payment to reflect what our property taxes would be, {$1800.00}, due to an over 62 years of age county tax exemption I was receiving. They responded that before they could make an adjustment they'd need to see a property tax assessment document from the XXXX County tax assessor.
We received that document and promptly phoned Amerihome customer service to request an escrow adjustment and was told they had the property tax document and would soon make the appropriate adjustment.
When this hadn't happened after a couple of months I called back and was informed " yes, we see your new mortgage payment will be reduces from the current {$2700.00} to {$2400.00}. I thanked them and adjusted my payments accordingly, but began getting letters stating that these adjusted payments would not be accepted and that I needed to pay {$2700.00}. I again called customer service who looked at my account information and again informed me that I should only be paying {$2400.00} and that I could disregard the letters asking me to pay {$2700.00}.
This went on for two months during which time a received a few for letters and emails, increasingly forceful in tone, asking that I remit arrears payments of {$2700.00}.
I again called Amerihome customer service to ask what the deal was and did their various departments ever speak to one another and/or share information. I was told they'd look into it but in the meantime I sent in the requested payments of {$2700.00}.
On XX/XX/XXXX I spoke with XXXX in customer service who told me everything was resolved and that an escrow overage check for {$1700.00} was on its way to me, in fact I received a letter with a photo of said check ( attached ) and payment adjustments but no actual check.
When I called customer service again to ask where the actual check was I was told I'd need to call the escrow department to get this all straightened out.
I called the escrow department and the woman I spoke to there told me that she had no idea why I'd been told by 5 times by various Amerihome customer service reps that my escrow payment would be adjusted because there was no way that was going to happen until they did their annual escrow assessment, which was still some months away.
We continued to make our {$2700.00} payments, based on an erroneous property tax bill of {$4100.00}, hoping that when they actually paid our property tax someone would notice that is was {$3000.00} less that what they thought it would be but this wasn't to be.
In early XXXX of this year we received a letter from Amerihome informing us that as of XX/XX/XXXX XXXX would be our new loan servicing company.
I subsequently phoned Amerihome customer service and spoke with XXXX, gave her a condensed version of all the nonsense we'd gone through over our escrow account, and asked if she'd please correct their mistake and not pass in on to XXXX. She said she could and would, that our new payment amount starting XX/XX/XXXX would be {$2500.00} and that near the end of XXXX we'd be receiving an escrow overage refund check in the amount of {$3200.00}. Hooray!
However ... It's now XX/XX/XXXX, we haven't received our escrow overage check, and XXXX is refusing to accept the XX/XX/XXXX payment we made, demanding {$2700.00} instead!
We feel like we're in the Twilight Zone! Please help us resolve this seemingly never-ending loop of incompetence we're trapped in.
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| 02/10/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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This complaint is being filed due to the mortgage companys merry-go-round home loan modification process and its failure to recognize receipt of all requested information and documentation. Throughout the modification process the mortgage company never assigned anyone to the modification of the loan and each person with the mortgage company had no record of prior communications and submissions. Despite numerous submissions of the requested information, the mortgage company closed the modification process based upon an alleged failure to receive requested information. This is not true. Also, when the modification process was closed the mortgage company said it was going to send out a new modification application but this has not been received.
During the modification process the mortgage company said it was not going to move forward with any formal proceedings. However, this was not true either as it filed for foreclosure. The mortgage company said it was not going to move forward with the foreclosure litigation until the modification was finished. This was told to the Court. After that is when the mortgage company closed the modification and said it was going to send out a new application. The mortgage company never conducted the modification process fairly, its representatives could never see in the system what was done and it closed the modification for a false reason. Also, the promised new modification application has not been received.
From what we were told by the mortgage company, we qualify for a modification based upon our financials. We submitted all the requested documentation on several occasions but it keeps saying we didnt. This isnt true. The concern is that we were led into this position by our mortgage company and we could lose our house.
The initial modification application needs to be finalized or the promised new modification application needs to be sent to us. We desperately want to keep our home and can afford to do so. We need help.
The following is the history of the modification process : In XX/XX/2019, we submitted paperwork for loan modification. In late XXXX we received a letter stating additional paperwork was needed. Sent tax papers and hardship letter and form state the number of household and vehicles. Meantime, the mortgage company filed foreclosure paperwork with the courts on XXXX XXXX. On XX/XX/XXXX, called for an update. Representative said we need profit/loss statement and forms stating number of household and vehicles. Explained that I already sent that form in, which she looked through the paperwork and verified. She was sending an email to loss mitigation dept to inform them. XX/XX/XXXX, we were served for foreclosure in the courts. Server advise to respond within the twenty days to not default with the courts. XX/XX/XXXX, faxed over profit/loss statement to mortgage company. XX/XX/XXXX, Called for an update. Was told once again that the household form was still needed. Recapped previous conversation with the prior representative, this representative also verified said paperwork and would email loss mitigation dept. XX/XX/XXXX, called for an update again was told form was missing and they verified in fact it was there again. They would email loss mitigation to notify them. XX/XX/XXXX, we filed paperwork with the courts for additional time as we believed we are working with the company to resolve our issue. XX/XX/XXXX, called again for an update. Was told the modification request has been closed on XX/XX/XXXX because they had not received all the paperwork requested. Then referenced the house/vehicle paperwork that numerous representatives had verified that had in the system.
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| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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AmerHome Mortgage : This email and its attachments, are representative of evidence charging you and all parties with bank fraud.
Last XX/XX/XXXX,. You projected my escrow payments based on an inaccurate tax amount for that same year. Your calculation and projections for the next year ( XX/XX/XXXX ) reflected only six months of taxes, ( approximately {$8000.00} ) to arrive at the monthly payment I was invoiced all of XX/XX/XXXX.
You will also see by reviewing the attached documents from the Township of XXXX Tax Collectors office., that you also decided not to pay my taxes, even though I was paying the demanded escrow each month, amount each month, to the township for approximately six months. I received delinquent notices from XXXX Township or each month you did not pay. As you can also see, I received interest penalties indirectly, due to your fraudulent actions, and you conveniently rolled this charges into this years escrow as opposed to reimbursing me, causing me to pay these amounts twice. You will see the evidence of this on the spread sheet supplied by the township.
On top of all your fraudulent errors, you then send me a projected escrow and payment amount for XX/XX/XXXX, claiming that I am behind {$5000.00} in escrow payments and you will simply factor this in to increase my payments to nearly $ 4,600.00/month from what was {$3700.00}, claiming that I was short on my escrow payments last year!!!!!!!!!
The evidence also indicates that your method and strategy for straightening out this mess you created, was to simply make giant payments of {$10000.00} plus to The Township of XXXX at the end of the year XX/XX/XXXX, ( 4th quarter payments ), a month before you did your XX/XX/XXXX projections in an attempt to cover up your XXXX ups in XX/XX/XXXX!
You will immediately reimburse me for the interest charges that XXXX attached to the tax schedule, you will immediately adjust my monthly invpice to reflect absolutely no escrow increase what so ever, and you will also, IMMEDIATLEY, issue an official apology to myself and the Township of XXXX TAX Office for your delinquent payment and exonerate me from the record.
I have been dealing with this for nine months now and finally got to the bottom of this with no help from your company. Just last week I received a notice ( copy attached ) that my mortgage payment was not made in full! THAT WAS BECAUSE YOU WERE BILLING ME AT FRAUDULENT AMOUNT!!!! I spoke with many of your incompetent customer service employees, the most recent being at XXXX XXXX and she claimed her name was XXXX. I told her I was not paying anymore then my old payment and that was sent in early XX/XX/XXXX. Supposedly she spoke with her supervisor about accepting the payment, then asked for the routing number and account number so she could make an automatic withdrawal for the funds that had been appropriated and sent two weeks earlier!
That was just another lie because the funds are still sitting in the checking account not having been withdrawn.
I am also putting you on notice that not as single dollar will be paid toward this mortgage until the matter is resolved to my satisfaction. You will not charge me late fees or interest until this is resolved. You will also continue to pay the township for taxes that are owed on a monthly basis until the matter is resolved.
This afternoon I have also submitted a compliant to the Consumer Financial Protection Bureau.
XXXX XXXX XXXX XXXX XXXX XXXX If this is not resolved in my favor by Thursday, end of business day, I will take this to the next level of the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX : XXXX
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| 01/28/2024 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
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Web |
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Today XX/XX/XXXX, please see case # XXXX XXXX XXXX XXXX This is very complicated ... Subject : Mortgage Fraud ... .My loan has always been a conventional loan ( XXXX - XX/XX/XXXX ). Refinance mortgage loan with XXXX XXXX XXXX Closing Date XX/XX/XXXX. I only went through with a FHA loan ( could have waited to XX/XX/XXXX and XXXX XXXX would have been removed from my credit report, and I could have applied for a conventional mortgage loan. ) because I was told they services all their mortgage loan in house. I wanted to get my Mortgage loan away from XXXX XXXX XXXX XXXX XXXX. mortgage loan # XXXX They have had my mortgage since XX/XX/XXXX - XX/XX/XXXX, Transferred from XXXX XXXX XXXX XXXX original loan # XXXX and fraudulent create mortgage loan # XXXX ( new discovered information in XXXX say my mortgage loan # XXXX was transferred back to XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX, transferred my mortgage loan # XXXX on XX/XX/XXXX, to XXXX XXXX XXXX, loan # XXXX ( 3 months I paid XXXX, XXXX, XX/XX/XXXX. ) Refinance on XX/XX/XXXX, with XXXX XXXX XXXX new mortgage loan # XXXX, was told first payment due on XX/XX/XXXX, payments can be made at XXXX XXXX XXXX. But at my surprise on XX/XX/XXXX, I was told i could not make my payment with them, that my loan had already been transferred and new mortgage # XXXX. I had to get someone from the bank to help me make my payment with XXXX XXXX XXXX with servicer XXXX XXXX XXXX Because I have not received a welcome package with my mortgage information and principal balance from the new servicer AmeriHome Mortgage Company , I need Paper copy of my transfer. That I have requested to receive by mail. There is a discrepancy with the transfer mortgage loan number between XXXX XXXX XXXX and who my mortgage loan was transferred to AmeriHome Mortgage Company LLC. servicer XXXX.
My loan should not be in a debt collection, but they continue to be in my credit reports, to keep me from my equity in my home and refinance again. XXXX XXXX XXXX new servicer loan # XXXX, and AmeriHome Mortgage Company LLC. new servicer loan # XXXX. This XXXX XXXX manipulate me, and everyone else with documents. Until this Company AmeriHome can give me transfer welcome package by mail paper copies with my mortgage loan number and my principal balance, and a copy of the deed of trust file with the court. I would like to insistthat i continue making monthly mortgage payments with XXXX XXXX XXXX on mortgage new servicer mortgage loan number. Please send me statement from XXXX and AmeriHome about the incorrect information with the mortgage loan number. Which is correct with refinance transfer? ... .1. Mortgage statement from XXXX XXXX XXXX payment due Date XX/XX/XXXX. ... 2. 1098 Form XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX... 3. XXXX XXXX XXXX still send me letters in XXXX. AmeriHome want me to go online and get information about my account, but i explained to them I need paper copies for evidence ... 4,5 see page 4 ... ... .5. I have another 1098 Form from XXXX XXXX XXXX. They changed my principal balance, they changed my interest i paid at closing on XX/XX/XXXX ... 6. read notes on pages 1-12... ..7. look like they trying to change the terms of my loan. see page # 12... .8. mortgage Statement from AmeriHome they change the principal balance again. see page 13 ... 9. see page 19. I received letter on XX/XX/XXXX, Look at letter, at the bottom of the page it have * XXXX XXXX XXXX XX/XX/XXXX what is this?
note : I am writing to bring to your attention a potential case of mortgage fraud, I urge you to investigate this matter and take appropriate action to ensure that justice is served. PLEASE HELP!!!!
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| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, due to covid, all my gigs were canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still, to this day, have residual effects from covid.
I had refinanced with a company at the end of XXXX, who then sold my mortgage to Amerihome Mortgage Company.
Having been severely impacted by covid, I first applied to Amerihome Mortgage Co. for forbearance. In XXXX, I first applied for a workout package and a mortgage modification. I had to re-apply 3 times, in XXXX, XXXX and XXXX. The first time they sent me the wrong form. The second time they didnt review it in a timely fashion and so I was denied because it was outside of the time frame. The third time I was in the trial modification and was told I needed to pay an escrow deficit. I borrowed money from my family to do this and when I did, they denied my modification, so I cancelled the payment and returned the money to my family. Then, XX/XX/XXXX, I was approved for a trial modification, and on XX/XX/XXXX, someone arbitrarily changed the trial modification to a deferment, so the modification was again cancelled. It took a month of daily phone calls to get them to fix that mistake. The deferment was finally removed on XX/XX/XXXX.
All throughout this process, I could never talk to the underwriters and the representatives I talked to gave me consistently wrong advice. The stress of dealing with this company has been unbelievable. I couldnt sleep or eat and my XXXX levels were through the roof. Throughout the entire modification process they would call me randomly at XXXX in the morning, and send me multiple letters saying I was in danger of foreclosure due to missed payments.
The modification was finally approved in XX/XX/XXXX of XXXX. I called every week and was told they were still researching things and I should contact XXXX XXXX, which I did in XXXX of XXXX, but never heard back. They reported me as delinquent to the credit bureaus, which was a separate battle to get them to rectify and which took until XXXX for them to fix.
I received the final modification papers in XXXX. They had the wrong date for the beginning of payments ( XXXX XXXX, XXXX ), and I wanted to fix that and I had questions about the additional {$4000.00} added on to the modification, and if there would be a way to work with the escrow department to keep my mortgage payment low. I called with these questions and was told that I couldnt speak to anyone in the loan departmentthey were too busy, and the only way to address the questions was to write an appeal, which I did.
I faxed my appeal on XXXX. As soon as they got my appeal, they cancelled my modification and then sent me a letter saying I was two months behind in my mortgage and in danger of foreclosure. On XX/XX/XXXX, they denied my appeal. I called and said there must be a mistake and was told it was no mistake. It is interesting that I received both the final documents and the cancellation of the modification in XXXX, but on their website where documents are stored, they have no documents for XXXX.
I called again, and was told I could appeal the appeal. I resubmitted the appeal on XXXX I called a third time and they immediately sent a letter denying this appeal as well, and when I spoke with a representative, I was told I needed to re-apply ( for the fourth time ) for a modification.
Also, since I had no clue they would cancel my modification and declare that I was months behind in payments, I have applied to HAF to help with the back payments and they will review my case on XXXX XXXX, XXXX ( when it will be a full 3 months behind by their standards ).
|
| 04/13/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
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|
Web |
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In XXXX XXXX XXXX, I received a letter from my mortgage company saying I was eligible for a covid-19 loan modification and that I need to do was agree to the term. The terms were I would have to make 3 trial payments if I completed the three payments I would qualify for a modification. I called at the end of XXXX and agreed during that time I advised the Representative my deseased husband 's name was still on correspondence. I was assured it wouldn't cause any issues with the modification. I made all three payments and received an approval letter it stated paperwork would be sent out to have notarized. I received a package in the mail about 2 weeks later. I mentally noticed the paperwork still had my deceased husbands name on it ( who died XX/XX/XXXX ). I called the mortgage company advising them of the issues and was told I would need to send/fax a death certificate to have him removed from the loan, underwriting would be notified of a delay in the paperwork being submitted and once they removed him I would get new paperwork. I faxed the documents the same day. I waited XXXX weeks and heard nothing, Finally, I received a letter in the mail saying my husband 's name was removed. I followed up on XXXX and was told my application was closed. I was outraged because I had contacted them and advised them of the issue and was assured it wouldn't be an issue. That day I spoke with a XXXX who said he spoke with underwriting and got approval to start the process over with the same process coding however I would now have to fill out an application. I asked to make a payment that day and was told not to make any payments. I filled out the application and submitted documents which weren't requested the first time. So I called back on XX/XX/XXXX and was told everything was under review and to wait 30 days. I called again on XX/XX/XXXX and was told still under review. A week later I received a letter stating my application was closed again. I then called in early XXXX and was told my application was closed due to missing documents which I was never informed of. So I was asked to submit another application. I faxed all the documents over on XX/XX/XXXX and never heard anything until XX/XX/XXXX saying my application was closed again. I then called and was placed on hold for 45 minutes, called on three-way calling and got another representative who hung up on me. I called back and requested the resolutions manager. I was told I would get a call back the next day. The next morning I did get a call explaining the whole situation and was told because I was originally approved in XXXX they would honor the original approval. The manager said she would reach out to Underwriting and call me back within 48hrs. I never received a callback and I followed up a week later and was told Resolutions tried to contact me however I didn't answer. There were no voicemails or email corraspodace left from me. I have 2 phone numbers on file with the company nothing on either. I called back on XX/XX/XXXX and spoke with someone that advised me to submit another application which I did and an additional letter requesting to verify my income I sent in that letter. My application was closed again. I reapplied again in XXXX of XXXX and sent everything and my application was processed and is now denied. I have gotten nothing but horrible service from the mortgage company and they have gone back on their word several times and I'm not going to lose my home. Today I called and requested to speak to resolutions to discuss the original approval and was placed on hold for over an hour and never was transferred.
|
| 06/06/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am writing to you because I am currently dealing with dual tracking by AmeriHome Mortgage Company XXXX XXXX XXXX XXXX, NJ XXXX. Based on the advise from legal counsel for the Connecticut XXXX XXXX I was advised to file this complaint for dual tracking. I have been working with AmeriHome mortgage Company for several months with ongoing communication regarding the property which my family and I reside in at XXXX XXXX XXXX XXXX in XXXX CT. XXXX. I have communicated with AmeriHome Mortgage company via email, fax and phone calls in my attempts to get the mortgage issue resolved. My fiance passed away in XXXX of XXXX, he was the only one listed on the mortgage and house deed. The house was in forbearance for some time after his death due to an arrangement between him and AmeriHome Mortgage Company. I contacted AmeriHome Mortgage Company and explained the situation regarding my fiance 's passing and expressed my interest in remaining in the home with our children because I did not want to become XXXX with our twin boys who are developmentally challenged .I expressed to the AmeriHome mortgage company that I would like to assume the loan and have the property transferred to me. AmeriHome mortgage company agreed and advised me to fill out the loss mitigation paperwork that would be mailed to me once I provided my fiance 's death certificate and my identification. I complied and received loss mitigation paperwork which I filled out and included all documents requested. Since then, I have been in constant communication with the mortgage company and compliant whether it was AmeriHome Mortgage company requesting more documentation or a determination that my application was incomplete. I always followed through each time my application was deemed incomplete due to additional paperwork needed, I would provide the paperwork or documentation needed to continue to work on a resolution.
In XXXX of XXXX I was told that I will need to work with the successor of interest department inorder to continue to move forward with the AmeriHome loss mitigation department. I contacted the AmeriHome mortgage company successor of interest department and was instructed to send my identification since they already had my fiance 's death certificate. I complied with the request and was sent a letter regarding the next steps in the successor of interest process. Around XX/XX/XXXX I received a letter dated XX/XX/XXXX from AmeriHome mortgage company successor of interest department requesting additional paperwork, which I intended to comply with. However, on XX/XX/XXXX at a side door of our home, I discovered a foreclosure summons from AmeriHome mortgage company. On the summons, my deceased fiances XXXX XXXX children are named as the plaintiffs. I was really shocked and disappointed that the Amerihome Mortgage Company was still in the process of working with me to resolve this situation to keep a roof over my family 's head but decided to foreclose while working with me. I was never informed by the mortgage company of their intent to foreclose while still working with me.
I have enclosed correspondence between Mortgage company and myself dating back to XXXX when I first connected them. I have enclosed loss mitigation paperwork showing my compliance, including completed unified borrowers assistance forms, paystubs, hardship letter, and correspondence by XXXX XXXX XXXX department. I have also enclosed a copy of the foreclosure summons.
|
| 10/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On XX/XX/XXXX I was contacted by phone by XXXX XXXX, a loan officer ( NMLS # XXXX ) who works for our current mortgage company, AmeriHome Mortgage Company , LLC. During that phone call, XXXX told me that when we refinanced our mortgage with AmeriHome in XX/XX/XXXX, a loan disclosure form was not completed, which is causing issues with our current FHA mortgage. XXXX advised me that AmeriHome would like us to refinance our FHA mortgage into a Conventional mortgage to correct the issue. XXXX explained to me AmeriHome will absorb the costs to refinance and would lower our monthly payments. I asked XXXX to please send me an email with the request, so that we have the communication in writing. On XX/XX/XXXX, I received the following email from XXXX : Per our conversation, the FHA mortgage that you have was determined uninsurable by the FHA as we did not obtain signed initial disclosures from your side after you added back onto the loan. This is resulting in problems on our back end and we would like to refinance your loan in order to have one that is completed in the correct manner. I do need to run credit and take an application to confirm, but we would like to put you into a conventional loan and cover the expenses in order to do so. I called XXXX back the same day and advised him that we were willing to refinance again and gave him permission to pull mine and my husbands credit and start the refinance process. On XX/XX/XXXX, XXXX emailed the Loan Disclosures to me, which included the terms and payments for the new conventional loan. I emailed XXXX back to ensure I am seeing the correct numbers because this new loan would save us over {$200.00} per month. Within one hour of sending us the Loan Disclosures, XXXX emails me : Hi XXXX! My VP will be taking over the reigns from here actually~ Adding her in on this email so that she can reach out to you. I did not receive a call from his VP, XXXX XXXX ( NMLS # XXXX ) that day, so the following day, I called XXXX and left him a voicemail and emailed him but did not received a response. On XX/XX/XXXX, I finally received an email from the VP, XXXX XXXX, stating that she will call me later in the day and that FHA has now stated your loan is fine so want to fill you in on that. During the phone call, which we recorded, XXXX stated that our loan actually is insurable with FHA and AmeriHome will no longer honor the refinance terms that they offered to us. She advised that we could still refinance but that AmeriHome is no longer paying for the closing costs, therefore if we wanted to obtain the proposed loan, we would have to pay about {$11000.00}. I informed her that sending us communication in writing advising us they will pay our closing costs to refinance us into a conventional loan and then refusing to do so a week later is a deceptive and misleading business practice. I believe that AmeriHome is practicing Unfair, Deceptive, or Abusive Acts or Practices and is violating the Dodd Frank Act. AmeriHome is inflicting injury on my husband and I as they pulled our credit under the pretense that they would pay the closing costs of the refinance that they urged us to do. XXXX advised that she does not have the authority to approve that AmeriHome pays the closing costs listed in the loan terms that AmeriHome sent out via their Loan Disclosures. I asked to speak with her supervisor, to which she responded that the office of the President will call us the same day ( XX/XX/XXXX ). It is now XX/XX/XXXX and I still have not received a call from the office of the President.
|
| 03/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Emails with XXXX and XXXX We closed on a house XX/XX/XXXX. Amerihome took over the house note XX/XX/XXXX but took it upon themselves to pay out the entire XX/XX/XXXX year house taxes to XXXX County even though we had lived in the house less than 1.5 months. Later told me it was a mistake even though they had no business touching any of my escrow. My home loan was sold after one payment to XXXX XXXX.
Because of paying taxes already paid, my escrow was in the negative. I called many times questioning this and was later told after the escrow accounting for the year I would be forced to pay an additional {$40.00} a month. I was told I could only pay a part of what was in the red and could not make an additional escrow only payment. Nothing ever added up and because no one would really help me, we decided to refinance due to the interest rates being much lower.
Amerihome proceeded to pay taxes for XXXX as due. They pulled them on XX/XX/XXXX. We signed refinance XX/XX/XXXX. XXXX County had the excuse that they had issues with their system and posted the refinance attorneys check instead of Amerihomes check that they received first.
XX/XX/XXXX my house loan with Amerihome was paid in full, shortly thereafter I received the Court documents where it was completely paid in full-seemingly like amerihome no longer had an account for me.
XX/XX/XXXX I started researching to find a contact higher up. In doing so, I found almost 300 complaints with the XXXX and many that I was reading through was also dealing with Amerihome stealing ( I use this term loosely due to Amerihome thinking it is okay to keep escrow checks for months even though it is not their money ). I then found a contact with the Presidents office.
I contacted and was given an acknowledgement. XX/XX/XXXX I was given a screen shot of what I already knew from the XXXX County tax website. It had been paid-then where is my money? I was technically posted XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX Manager of Office of the President proceeds to tell me : On XX/XX/XXXX, out tax team spoke with the County and confirmed that a refund of {$1500.00} for a duplicate tax payment was returned to AmeriHome on XX/XX/XXXX. We have not received the returned funds as of this email. Upon receipt, the funds will be redeposited to your escrow account for accounting purposes, then refunded to you. Once received, we will expedite the process of returning the funds to you.
On XX/XX/XXXX, XXXX then told me Our tax team spoke with " XXXX at XXXX County '', to inquire on the status of the refund. It is noted that the refund may take 4-5 weeks.
It has now been 5 weeks since this deadline and I have yet to get anything from them. Amerihome Mortgage owes me {$1500.00}. Where is my money? It has been over 8 weeks since the check was returned to Amerihome Mortgage per XXXX XXXX. I have no reason to believe that they are attempting to keep this money to gain interest off of it. There is no longer any account associated under our names due to the house being paid off. I want my refund money owed to me immediately. If XXXX county stated they returned the check on XX/XX/XXXX, why was I told XX/XX/XXXX that XXXX County " said it would take another 4-5 weeks ''? What is the Office of the President trying to cover up because they have admitted that it is my money and not theirs.
I have also sent a copy of the above to Alabama State Attorney General 's office in order to try and get my money back XX/XX/XXXX was the last date I had anything to do with Amerihome.
|
| 08/07/2020 |
Yes |
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
During XX/XX/2020, I refinanced my VA home loan with XXXX XXXX ( not the problem ).
My previously refied loan was with Amerihome Mortgage for about 2 tears. I had numerous problems with the escrow account and the home owners insurance they claimed I didn't have at least 3-4 times ( I had continueing home owners insurance with the same company for over 10 years with the same insurance company ). They may have charged me for their insurance and that issue with them has never been resolved. They actually paid for the insurance I kept telling them I did have, yet they kept sending me threatening letters that I would have to pay for their insurance product.
THE ISSUE NOW : XXXX XXXX XXXX did the closing for XXXX XXXX XXXX with a settlement date of XX/XX/2020. They paid Amerihome Mortage {$250.00}, XXXX for the pay off of the mortgage loan balance. The last statement from Amerihome Mortgage for XX/XX/2020 showed a balance of {$250000.00}. This is an overpayment to Amerihome Mortgage of {$2300.00}. The overpayment would actually have been slightly more than this amount.
I waited for the refund from Amerihome Mortgage for about 2 months and called then sent a letter to them asking for the refund of the overpayment of the payoff amount.
On XX/XX/2020, I received a letter from Amerihome Mortgage saying they would have a response to my letter from earlier that month within 30 days. Didn't happen.
OnXX/XX/XXXX, I received a 2nd letter from Amerihome Mortgage saying they would have a response to my overpayment refund request in an additional 15 business days.
Didn't happen!
It is now XX/XX/2020 and I still have no response or refund of the overpayment of the mortgage, plus interest. The interest on the overpayment I asked for in my initial letter to them. I expect at least 4.75 % interest, or more, since this is what I was paying them for my loan from them. I called the phone number on the XX/XX/2020 letter from them and the recording I got was they would / could not answer calls, but the leave a message and I would get a call back. I left a very detailed message with loan number and my contact information. DIDN'T GET A PHONE CALL BACK OR ANY REPLY!
My total experience with Amerihome Mortgage was absolutely miserable, even after talking to supervisors and getting letter stating that issues were resolved.
On XX/XX/2020, I did receive a check from them for {$180.00} which they claimed was an overpayment on my taxes that was returned to them by XXXX XXXX, NV.
How can a financial institution in the US be so disorganized that they can't : do simple math ; pay debts only when they are due ; can't read insurance info that is valid and paid for by them when it was due ; or understand that they can't keep private people 's funds that they aren't entitled to keep.
As a former XXXX XXXX XXXX XXXX XXXX, all of these characteristics are the obvious MO of fraud. They claim they didn't know they owed clients money by claiming it was a minor fault of understanding. The amounts of money they most likely owe to clients is enormous considering the mortgage market today. Their debts to clients could easily run into the millions of dollars over overcharges and non payment of debts, like mine of over {$2000.00}, which they refuse to refund to me.
There are other significant issues concerning Amerihime Mortgage which would require a full audit of their mortgage holdings to asses.
I will provide documents to Amerihome mortgage or the CFPB by fax or mail as required or requested.
|
| 04/27/2016 |
No |
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
XXXX AMERIHOME FAILED TO COMPLY WITH 12 CFR 1024.33 ( c ) ( 2 ) BY NOT PROPERLY TRANSFERRING THE MORTGAGE PAYMENT OR PROVIDING REQUIRED NOTICE WITH THE RETURN OF PAYMENT.
II. AMERIHOME FAILED TO COMPLY WITH 12 CFR 1024.35 ( b ) ( 3 ) BY FAILING TO CREDIT A PAYMENT TO BORROWER 'S MORTGAGE LOAN ACCOUNT AS OF THE DATE OF RECEIPT IN VIOLATION OF CFR 1026.36 ( c ) ( 1 ).
III. AMERIHOME FAILED TO COMPLY WITH 12 CFR 1024.35 ( d ) - ( e ) BY FAILING TO ACKNOWLEDGE RECEIPT OF A NOTICE OF ERROR AND FAILING TO RESPOND TO THE NOTICE OF ERROR.
IV. AMERIHOME FAILED TO COMPLY WITH 12 CFR 1024.35 ( i ) BY FAILING TO REMOVE ADVERSE INFORMTION REPORTED TO ANY CONSUMER REPORTING AGENCY REGARDING THE PAYMENT THAT IS SUBJECT OF THE NOTICE OF ERROR We have documentation supporting the following dates of payments and chain of events and violations of Ameihome Mortgage : 1. XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015- All Mortgage Payments made to XXXX XXXX XXXX via our XXXX electronic payment system. See Exhibit 1, bank statements with transaction ID/confirmation numbers.
2. XXXX XXXX, 2015- XXXX Mortgage Payment made to XXXX XXXX XXXX via our XXXX electronic payment system. See Exhibit 2, bank statement with transaction ID/confirmation number.
3. XXXX XXXX, 2015- We receive a check from XXXX XXXX XXXX together with a letter simply saying that the loan was sold to a new servicer but not identifying the name or contact information of the new servicer. We are suspect that the check is fraudulent and do not cash it right away. We bring the check into our local XXXX branch and have our banker look into the check to ensure it is not fraud. See Exhibit XXXX, attached copy of notice and check from XXXX XXXX XXXX.
4. XXXX XXXX, XXXX After investigating the check from XXXX XXXX XXXX, the check is deposited into our XXXX checking account. See Exhibit 4, deposit slip deposited the refund from XXXX XXXX XXXX. We wait until the check clears and posts to our account before paying the new mortgage servicer, Amerihome Mortgage.
5. On XXXX XXXX, 2015, we also worked with our banker at XXXX XXXX to fax in a letter explaining what had transpired and how the XXXX payment was made on XXXX XXXX, 2015 and was not late by fault of our own. See Exhibit XXXX, a copy of the letter that was faxed to Amerihome 's attention.
6. XXXX XXXX, 2015- The Re-Payment of XXXX Mortgage made to Amerihome Mortgage via our XXXX electronic payment system. See Exhibit 6, attached cashed check from the transaction.
7. XXXX XXXX, 2015- XXXX Mortgage Payment made to Amerihome Mortgage via our XXXX electronic payment system. See Exhibit 7, attached cashed check from the transaction.
8. XXXX XXXX, 2015- Amerihome began reporting to all consumer credits reports that we were more than 30 days late paying our XXXX 2015 mortgage payment even though the prior mortgage servicer accepted the payment on XXXX XXXX, 2015 and did not send a refund check via snail mail until XXXX XXXX, 2015- making receipt, cashing and paying the new servicer impossible by XXXX XXXX, 2015.
9. XXXX XXXX, 2015- our/borrower 's legal counsel submitted a formal notice of error with all the above information and documentation.
10. To date, neither legal counsel or borrower has received acknowledgement of the notice of error or a written response to the XXXX XXXX, 2015 notice of error. Amerihome failed to remove the adverse 30 day late XXXX 2015 payment for 60 days following Borrower 's notice of error.
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| 02/16/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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REF : Loan # XXXX, Property XXXX XXXX XXXX, XXXX, FL XXXX XXXX : URGENT MATTERS that need to be addressed IMMEDIATELY!
1 ) MISPLACED PAYMENTS for XX/XX/XXXX, XXXX and XX/XX/XXXX XXXX ) Failure to properly Post, Process & Pay XXXX XXXX Tax Bill 3 ) Mis-applying overage-payments to XXXX & XXXX to apply to Escrow 4 ) Excessive delays of almost 30 days to post payments made to my account This is to document severe concerns regarding the loan your company is supposed to be servicing for the above-mentioned property of XXXX XXXX. I am the volunteer caregiver for the XXXX XXXX with a power of Attorney on XXXX with your company.
On XX/XX/XXXX, XXXX XXXX was approved by FL XXXX XXXX XXXX XXXX Assistance Fund ( FDEO-HAF ) ( See attached document ) but numerous problems have occurred that must to be corrected IMMEDIATELY! Every time I have called XXXX I have not been able to talk with anyone who can resolve any of these listed concerns as they respond with Canned responses that have nothing to do with the problems I mention, which does not produces any resolution and has prompted me to write this letter and file complaints for XXXX XXXX regarding this mortgage.
Regarding payments, your company receives a master monthly payment list from Florida XXXX on behalf of thousands of people ( including XXXX XXXX ) XXXX are listed on the manifests. Florida XXXX has XXXX us that XXXX XXXX monthly XXXX of {$1500.00} are confirmed to be on the manifests and will continue for the next 18 months. However, XXXX XXXX monthly payments of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were received by your company and apparently mis-posted on the wrong accounts in error.
Florida XXXX cant give us copies of checks or manifests as they contain thousands of names and personal information. Therefore, they suggest we demand your company to immediately order to pull the applicable monthly manifests you received from Florida DEO-HAF for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and conduct a complete audit to find XXXX XXXX XXXX XXXX {$1500.00} and properly post to the account with the proper dates and adjust XXXX XXXX account XXXX. If you need more information, contact either me or Florida XXXX from the letter dated XX/XX/XXXX, to discuss solutions to resolve these immediately.
Another very important issue since XX/XX/XXXX, is regarding the XXXX XXXX Florida Tax Bill of {$370.00} due XX/XX/XXXX. XXXX XXXX is tax exempt from all Ad Valorem Taxes but still liable for the Non-Ad Valorem Taxes ( Fire Protection and Solid Waste ) as listed on attached tax bill.
As your company advised, I have sent you several copies via the Postal Service along with numerous emails, also in your companys website messaging. However, to date nothing has been processed, shown as pending, posted, or paid from the escrow account. This must also be properly paid from the XXXX account immediately, which is now {$390.00}!
Then, the overage amounts each month were requested to be applied to the escrow account only. Every month the overage has been applied to the principal. Since XX/XX/XXXX, I was told to write and request the overage amount to be applied to the escrow and to date only one time the request was properly done so far. I therefore request the overage to be posted automatically to the escrow.
Amerihomes failures are causing XXXX XXXX severe and undue stress thus worsening her XXXX. In summary, you are asked to IMMEDIATELY and PROPERLY resolve these matters!
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| 04/09/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXX and XXXX of XXXX I was advised my income was being cut. Prior to XXXX I was earning {$170000.00} annually. By XXXX my pay was reduced to {$68000.00}. I initially reached out to AmeriHome mortgage in XXXX, but was told there was nothing that could be done since I was not behind on my payments. In XXXX of XXXX I was due for my XXXX payment. When I went online to pay I noticed it stated I was approved for a Trial Payment plan even though I was never contacted by AmeriHome nor was I sent any documentation. I contacted AmeriHome and accepted the XXXX XXXX plan. The payments were for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I made the 3rd and final trial payment. On XX/XX/XXXX I was contacted by AmeriHome and advised I was behind on my payments. I contacted them and advised I just completed my Trial Payments. Per the letter posted to my online account I completed the trial payment plan and I would be contacted within 10 business days with the final modification for the mortgage. On XXXX I contacted AmeriHome since I had not heard or received any communication. I received an email stating there was a document online for my review. The document stated I did not complete the trial payment plan and that I am have been denied for the modification. How can these 2 letters make sense? I completed my XXXX XXXX, but was denied because I did not complete my XXXX XXXX? In speaking to AmeriHome ( XXXX XXXX is the representative I spoke with - very nice ) she stated that my request was closed out on XX/XX/XXXX due to me not answering their call. Per my knowledge I received no call on XX/XX/XXXX. I had spoke with them on XX/XX/XXXX as I returned a message from AmeriHome. I received no message on XX/XX/XXXX. There were no documents online stating they were contacting me. When I asked what was the purpose of the call she stated that my taxes were increasing and I needed to acknowledge that I was willing to pay the new tax amount. I work in the mortgage industry ... my taxes are escrowed with my mortgage. You don't have a choice to say " no I am not paying the higher amount ''. It is escrowed and you would normally receive an escrow adjustment letter stating the changes. But yet this is the reason I was told my request was closed. No notification from AmeriHome, but they denied my request. I completed the hard part... completing my 3 Trial payments as agreed. Notified I would have 10 days before a final modification would be offered ... yet they closed my request after 1 day because I did not say I was OK with a higher tax amount. I asked to speak to a supervisor and was told they do not speak to Customers. I am sure the conversation was recorded- it took place XXXX at XXXX and lasted 51 minutes. They stated to follow up in XXXX hours to see if anything can be done. I was then advised to open a new request. I think it is ridiculous that they are claiming to help individuals in these situations. I do not want to enter another XXXX XXXX plan just to kick the can down the road. My Trial Payments were actually slightly higher than my regular mortgage payment. But I was prepared to do what it took to make those payments including working a 2nd job. I agreed to the plan in XXXX with the first payment being in XXXX. It allowed me time to find and work a 2nd job and budget accordingly. I've also reached out to a XXXX XXXX Attorney and I am waiting from them to get back to me. Please assist in any way you can. Thank you.
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| 06/14/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was on the forbearance plan which in XXXX of XXXX I tried to extend for another 3 months. I went through the normal process and waited a day or two to see if it went through. I went online to see if it was approved or not. I checked my account online and it said " no payment is due ''. I thought that the forbearance was extend to another 3 months. But it turned out that it had ended and I was at default with my mortgage for the whole time I was in the forbearance plan and after it ended in XXXX. I ended called in XXXX wanting to end the forbearance start making my mortgage payments and that's when I found out that I was at default.
I never received a letter telling me that I could no longer extend the forbearance plan and that I had to start making my payment. I asked for a partial claim so that I can restate my mortgage. They never send me and packages or letter to sign like the customer service rep and said I wait two weeks and called again. The customer service rep that answer said that the account was in underwriting and that they didn't need anything from me.
A couple of days later I received a letter stating that I need to send them all documents to start the process for a loan modification. I was confused because I had asked for partial claim. I went ahead and sent all the documents they asked include some form that I XXXX online because they never said any package requesting for any documents. Then I received another letter stating that I had missing documents for the loan modification. I called to find out they were talking about and it turn that I was supposed to get the form from they the mortgage company. And again I asked for a partial claim and that I didn't want to do the loan modification. I also informed that I never received and package for them where I had fill out the form and send it back. The customer service rep said that they were going to send a package to with the right form for me to fill out and that was for a partial claim. I received the package send in everything they asked for and on XX/XX/XXXX they denied the modification because according to them I liens on my property. I called them right away and told that can't be I do not have liens on the property and they also told that I was unemployed too. Which is not true I work full time which I had to send them paystubs for the loan modification. The customer service rep kept saying that they are liens on the property either me or the cosigner have a liens. That's when I informed her the I don't have any judgments against me and neither does the cosigner who is my son and currently in the XXXX. He has been in the XXXX since he was XXXX he is XXXX yrs now. I told that he can not be the XXXX and have a judgment against. I also checked with the recorded of deeds and there is no liens on my house. Now, they said that I don't qualify for partial claim or repayment plan but they will send me a new package for a loan modification because my employment status has changed. I still understand why they blocked me from making a payment when the forbearance had ended. Or why I didn't get a letter stated that I could no longer extend the forbearance and that my mortgage was due.
It's already XXXX and this process just keeps putting more behind in mortgage payments. All I want is for my mortgage payments to be restated and what I own to added to the end of the mortgage.
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| 12/16/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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During the start of the pandemic we chose to take the mortgage forbearance due to financial instability ( XX/XX/2020-XX/XX/2020 ). We ended our forbearance XX/XX/2020 and on XX/XX/XXXX we were approved for the stand alone partial claim and we began the process. XX/XX/XXXX we were told the letters and paperwork were to be sent out but according to an employee there was a glitch in the system and letters didn't farm and generate therefore not sent out. My paperwork that I finally received on the XX/XX/XXXX described my partial claim and the amount that would be put into it and the directions on completing the paperwork as well as the return by date. XX/XX/XXXX was the return by date. We followed the directions, had the copies notarized kept the non-notarized copy for ourselves as instructed, sealed them and overnight first class mail on the XX/XX/XXXX. They received it on XX/XX/XXXX at XXXX per the USPS tracking number. Backing up a bit ... on the XX/XX/XXXX and the XX/XX/XXXX we made 2 payments that went towards XXXX and XXXX. XX/XX/XXXX we made a 3rd payment and was told that it would go towards XXXX 's Payment. I have been in contact with them continuously because we are in the middle of a FHA refinance. On XX/XX/XXXX a payoff request was made as well as a follow up on the payment made XX/XX/XXXX and was granted a payoff amount but was told that the payment was put into a suspense account. At that point the representative requested it be moved towards the XXXX payment as previously requested. On XX/XX/XXXX myself as well as my settlement agent from our title company ( who is preparing for a refinance that will pay AmeriHome my mortgage as well as the amount in the stand alone partial claim ) spoke with a representative who stated that the payment was still in suspense account and they would request again for it to be moved but that we were clear to close and another payoff amount was requested we were also told the only thing they were waiting on for the file was the payment from FHA for the amount in the partial claim. So we moved along with the refinance. On XX/XX/XXXX we called AmeriHome to pay our XXXX payment since our closing got pushed back and were told that on the XX/XX/XXXX our stand alone partial claim was denied and closed because they didn't receive our paperwork in the time allotted. Per the tracking on our package it was received on the XX/XX/XXXX well before the XX/XX/XXXX deadline. They also stated that on XX/XX/XXXX a letter was sent to us denying the partial claim. On XX/XX/XXXXthey applied our payment that was sitting in our suspense account to XX/XX/2020 as requested XX/XX/XXXX and XX/XX/XXXX We have been contact with them, have received our payoff statements and given the all clear to close. They would not accept our payment for XXXX unless it was the full amount left from forbearance. They stated they would put in an escalation call but after reviewing the XXXX complaints about the company and the failed communications from supervisors to consumers and the lack of professionalism they have consistently shown in their paperwork and process, I decided to move forward and file a complaint with you as well. As stated I am about to enter the closing part of my refinance and I can not afford to have our credit to diminish or for a mistake on the filing of our paperwork on the AmeriHome end cause us not to close.
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| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We are filing a complaint against Amerihome Mortgage, who holds the mortgage on our second home located at XXXX XXXX XXXX, # XXXX, XXXX, Maine XXXX. They are located in California but licensed to offer products and services in the State of Maine.
In XXXX, they applied one of our mortgage payments to another customers account and have refused to correct this problem after multiple attempts contact them, and promises by managers and employees that this would be taken care of. This is now affecting our credit.
Following is a history of what has taken place over the past several months : In XXXX we received our mortgage statement showing a late fee and that our payment was not received in XXXX. We called them and after being placed on hold and transferred to multiple people, were eventually told that they would look into it and would call us back they never did. We called again a week later and again were put on hold and the call was dropped. We called back multiple times between late XXXX and late XXXX, getting no resolution.
On XX/XX/XXXX we reached an account representative and they verified that our payment had been applied to another customers account in error. A manager called us back on XX/XX/XXXX and validated what the account representative found, and promised that she would put in a request with finance to current the error. The mangers name was XXXX XXXX would not provide a last name ).
Our XXXX statement showed that this had still not been taken care of and we were charged another late fee. We called again and after another hour on the phone, an account representative said that they saw the notes that our payment was applied to the wrong account. This continued for the next few weeks, and so on XX/XX/XXXX we faxed our bank statement showing that all of our payments had cleared to every fax number we could find on the Amerihome Mortgage website, and we heard nothing. We attached the same bank statement to our XXXX payment with a note, asking for this to be fixed. We again heard nothing.
On XX/XX/XXXX we spoke to XXXX XXXX XXXX about refinancing this mortgage to a lower rate, and were told by XXXX XXXX XXXXXXXX that we had a late payment/ delinquency notice on our account, and that they couldn't proceed with a refinance application until this was resolved.
We called Ameriome Mortgage on XX/XX/XXXX and spoke to two account representatives. After 2 hours and 16 minutes on the phone, they said that we would receive a letter stating that this was an error on their behalf. The letter was request by XXXX XXXX XXXX so that we could proceed with the refinance. We spoke to XXXX ( employee # XXXX XXXX. We received a letter on XX/XX/XXXX showing the wrong information with payments made in XXXX ; nothing resembling what we were promised, stating that they are in the wrong and that this was corrected.
We have no idea how to get this resolved and are reaching out to you. The have acknowledged that our payment was applied to the wrong customers account in error. We have received letters and calls stating that we are in default, assessed late fees, and yet they continue to not fix this issue. We have faxed our bank statement XXXX attached ) showing that all of our checks have cleared. We are truly at a loss.
Any help and support that you can provide would be greatly appreciated.
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| 07/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I received a notification that I was in a Special Flood Hazard Area ( SFHA ) from my mortgage company Amerihome. I began to research, as when I purchased the property in XX/XX/XXXX, I was not in a flood zone. I have done everything in my power to prove to my insurance company I have never been in a flood zone. As of today, they have not acted. Im currently paying over {$300.00} per month ( during a pandemic! ) for insurance that I dont need. So far, Ive paid over {$2700.00}. I need assistance. The next step is a lawyer.
I have taken the following steps to resolve : I looked up on FEMAs website if I was in a flood zone. I am not.
I contacted Amerihome and told them I wasnt in a flood zone. They stated that they received notification from FEMA that I was reassigned to SFHA and I asked for proof. To this date, I have never received it. They told me I would have to get a Letter of Map Amendment ( LOMA ) from FEMA stating I wasnt a in flood zone. ( It is hard to get an amendment of a map that doesnt need amending! ) I called a surveyor to see what I would need to do to prove that I was not in a flood zone. I would have to proceed with the full LOMA process including getting an expensive survey and filling out extensive paperwork to prove a negative. He stated it would cost me approximately {$5000.00}. They also confirmed that according to county records, I was not in a flood zone.
In XXXX of XXXX, I noticed that my mortgage had increased by {$340.00}. Upon further research, I discovered that I was erroneously provided Flood Insurance by my mortgage company for {$2000.00} and that it had been added to my escrow account.
I called Amerihome and they stated that I could get my own cheaper insurance and receive a refund on my escrow while I waited for the LOMA.
I called my insurance company to get flood insurance. They could not provide me with flood insurance because I was not in a flood zone according to their research with FEMA.
I called Amerihome and made inquiries as to why I wasnt provided notification that they were proceeding with providing me flood insurance even though they couldnt prove that I was in a flood zone. They stated they sent me a certified letter. I never received.
I called Amerihome several times between XX/XX/XXXX XX/XX/XXXX to try and resolve. They insisted they had proof from FEMA and that they would mail to me. They once said that they mailed it but to the wrong address. ( My mortgage company told me they didnt have my home address! ).
In XX/XX/XXXX, my condo association passed on a FEMA letter that she received from someone else in my condominium complex. My neighbor had ( somehow! ) got FEMA to state that my building never was in a flood zone.
I was elated that I had proof and I contacted Amerihome to find out the official process. They informed me I needed to send the letter and documentation via email. So, I did. Twice.
o XXXX emailed o XXXX received confirmation of receipt of email o XXXX received email saying being researched o XXXX emailed again o XXXX received confirmation of receipt of email o XXXX received email saying documents being forwarded Im at a loss at what to do next besides contacting a lawyer. Im asking for assistance. Please help. Thank you.
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| 01/08/2024 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Loss Mitigation Department XXXX Mortgage XXXX XXXX XXXX Ewing, NJ XXXX To Whom It XXXX Concern : I have now received a Denial Letter from my request for a partial claim as I am unable to pay my past due balance. I spoke with XXXX XXXX ( ID : XXXX ) on XX/XX/XXXX and she claimed she needed to forward me to the correct department. She had me hold while trying to warm transfer me to the correct department- she finally came back to the line and claimed she left a message for the correct department and claimed they would call me back the same day. No return phone call was received.
I called back again on XX/XX/XXXX and spoke with XXXX XXXX ( ID : XXXX ) who claimed that I was approved for my partial claim and asked if I received the paperwork regarding that. I told him, no, I have no written proof of an approval and, in fact, had just received a denial letter. He researched the Denial Letter and placed me on hold to connect with a supervisor. He then claimed that he would have to wait for the supervisors decision and then promised he would call me back. I have received no such phone call.
I lost my job in XX/XX/XXXX and was unemployed for 6 months. On XX/XX/XXXX, I started a temporary position making almost {$9000.00} less a year than my last permanent position. While working at the temporary position, I got hired into a permanent position making almost {$10000.00} more than my last permanent position. However, because I was unemployed for 6 months, I have no savings with which to pay my past due mortgage payments. This is why I have called several times and spoken to at least XXXX different people claiming that there should be no problem approving my partial claim. I have asked each individual for something in writing and at least XXXX have promised me approvals or at least notice that a partial claim was applied for and still, to date, I have received nothing, other than the attached Denial Letters.
Additionally, I have attached copies of my account balances so you can see that while I have and will continue to make my monthly mortgage payments, I am unable to pay back the past due balance. Having to speak with multiple people and being told XXXX thing on the phone and quite another in writing is the most frustrating thing I have ever had to deal with. XXXX at my wits end as to where to go with this.
XXXX happens, I need to move my past due balance to the end of my loan as per my bank balances, I have no money to give you to pay the past due balance currently. Additionally, I had to XXXX out XXXX of my credit cards while unemployed and must continue to make payments against those balances in addition to making my regular monthly mortgage payment. Lastly, I still have payments on my car, internet, cell phone, electricity, and XXXX fees that I must pay monthly.
I need information in writing as to how I go about moving the past due balance to the end of my loan. Please help me do this without having to speak with different people every day and please help me do so in writing.
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Attachments : Denial Letters, Checking Account Balance, Savings Account Balance
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| 04/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome Mortgage claims they didn't receive my insurance and decided to place force placed insurance on my account. I refinanced with them in XX/XX/XXXX and the loan was closed with the same insurance that was on previously. My insurance company provided them the insurance 3 separate times, however, I kept receiving notices that they didn't have my insurance. Finally, on XX/XX/XXXX I contacted them again after another notice I received stating they didn't have it. I personally sent them the declaration page and was instructed to call them on Friday XX/XX/XXXX to confirm they received this and to request an overnight payment to the insurance company that is now providing notices stating if insurance is not paid on XX/XX/XXXX the insurance will be cancelled due to non payment which should be paid by my mortgage company since it is currently an escrowed payment. On XX/XX/XXXX I received a notice in the email dated XX/XX/XXXX that stated that they received my insurance. So, on XX/XX/XXXX I called them again and spoke to XXXX who after verifying 9 questions finally asked me how she could help me. I explained the situation and the letter I received stating the insurance was provided and confirmed and requested they send the overnight check. She stated she would look to see if that was true as there records didn't show this.. I asked if the letter provided was fake as it came from their company, she said she didn't know but she would look at the " big bank of info '' to confirm. This was puzzling to me! Their automated line also said my insurance was past due and they didn't have insurance verified. I asked to speak to a manager and after 3 attempts of asking for this she put me on hold and hung up on me after 16 minutes. I called back and got a new representative, I immediately asked for a manager and she stated she would not transfer me to a manager unless i verified all the info again. I didn't want to do this but did since she refused. I was transferred to the manager and waited on hold for another 10 minutes and the guy that got on the line XXXX stated still the insurance wasn't in place and that the letter I received days ago was an error and i would be receiving another letter stating it was an error. I asked XXXX if i could send him my insurance directly and he stated he couldn't accept email. I asked if he could call the insurance department to see if they have it and it just hasn't reflected in the system and he said no that he couldn't reach anyone. He said he would overnight a check to my insurance company since he knows my insurance is in place but may not be able to do it today but would try. I asked him if i could cancel my escrows because i never wanted to go through his hassle again and he said no i would have to wait till my loan had been season for 12 months. I asked if that was a Amerihome requirement and he said XXXX and XXXX requirement which i do not believe to be the case.. So yet another fight i will have to have with this company that is so disorganized and causes so many issues to their mortgage holders. This should not be allowed and no client should have to do the work to get their mortgage company to do their job. Isn't this why I pay interest on a loan to this company??
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| 07/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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On XX/XX/2019 I refinanced my mortgage through XXXX XXXX in which the existing mortgage was paid off. The mortgage had been with Amerihome Mortgage Company, to whom it had been sold after a previous refinance through XXXX XXXX. To date I have not received refund of {$2600.00} held in my mortgage escrow account. In my many contacts with them, I have had nothing but one different story after another, one delay after another, one promise after another and yet, no refund. The history is as follows : XX/XX/2019 : Closing occurred of the refinance loan. The payoff to Amerihome was almost {$1000.00} more than the calculated payoff. I took no exception to this in understanding that the excess would drop out and be refunded. Being that the excess was added to my escrow account, that brought the refund due to {$2600.00}. I was able to see this in my account online.
My escrow account showed a disbursement of the entire amount on XX/XX/2019. When I had not received it by XX/XX/2019, I contacted Amerihome and was informed that, though the disbursement was posted XX/XX/XXXX, it actually takes 5 business days to go through their process and to expect another 7-10 business days for mail and to contact them if I had not received it by then.
XX/XX/2019 : I contacted Amerihome again to report that I had not received the check. I was told that a stop/replace would be initiated but that could not happen before XX/XX/2019 and it would again take another 5 business days to process plus yet another 7-10 business days for mail.
XX/XX/2019 : I contacted Amerihome to confirm that the replacement was indeed being processed. The rep I spoke with at that time said she checked and could see that the check was cut and ready for mailing. When I questioned her about the 5-day processing, she actually put me on hold and went to confirm what she was telling me, that it did not take 5 days but that the check would be in the mail that day.
XX/XX/XXXX : I received a voicemail from XXXX at Amerihome telling me that she was working on expediting the refund. When I checked my online account later, I found that the funds had been added back to the account that day yet not disbursed. Unfortunately, this was late of a Friday and I was unable to contact Amerihome.
XX/XX/2019 : I contacted Amerihome and was informed that no check had yet been cut but that it was in process and scheduled to be overnighted ( something they had previously told me they could not do ), that I would have it no later than Thursday, XX/XX/2019.
XX/XX/2019 : Later this day I received another voicemail from XXXX. This time I was able to call her back. She informed me that she had just then put the check in for processing, that it would take 3-5 business days at the check vendor and she would overnight it as soon as she got it back and that I may have it next Monday, yet another week.
At this point, I believe nothing they have told me and find this to clearly be delay tactics, possibly to never result in a refund. I have found that they are pretty much known for such tactics. In the meantime, I have been put in a compromising cash flow situation, not to mention my stress and all the time I have spent trying to deal with this.
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| 08/09/2020 |
Yes |
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome Mortgage out of XXXX, NJ. I purchased my house at the end of XX/XX/XXXX. In XX/XX/XXXX I received a statement notifying me of an escrow shortage. They said my taxes went up. I only owned the house a couple months so I knew they couldnt have went up. I called my county tax collector and she verified my taxes never changed. The tax that Amerihome said went up was a school tax. It went from {$250.00} to {$2500.00}. Looking at my tax info I instantly saw what happened. The next number in line on my taxes started with a XXXX. Somehow that XXXX got put on the end up the actual amount. Making it much larger. I called Amerihome to explain to them and they wanted me to send in proof. I sent in my tax info, multiple times for 3 and a hal months. To be told different things everytime I sent it. I was told they received it and it will take up to 2 days to review it. I was also told the never got it. The service reps at Amerihome are by far the worst I've ever dealt with. I can call 3 times a day and be told 3 different things every time. Finally I got a rep that actually cared, and told me I have to send it a certain way for them to even consider opening the email. All the reps I talked to before hand in the 3 and a half months never bothered to tell me that. So finally they said my request was under review and it will take 10 days before it is analyzed. A month later they finally finished it. On XX/XX/XXXX they made the changes to my mortgage. However, my original payment was {$990.00}. Because of this " shortage '', which there never actually was one, they just messed up my tax amounts, they made my payment {$1500.00}. I paid that amount for 4 months, because I didnt have a choice. Which means I over paid by {$2100.00}. So when they analyzed my mortgage and corrected it, they made my payment {$1000.00} instead of the original {$990.00}. If that's the case that would mean I over paid by {$1900.00}. But when they sent me an overage check, it was only in the amount of {$1100.00}. So I called and talked to 2 reps to see why I didnt get all my money back that I over paid, and to see why my payment didnt go back to normal. The first rep said that my escrow balance wasnt high enough to get all my money back, which makes no sense. They also said that my monthly payment went up because my homeowners insurance went up {$10.00} a month. Still doesnt make sense because they are saying my payment went from the original {$990.00} to {$1000.00} which is {$42.00} more. Theres no way a {$10.00} increase in insurance would add that much a month. The second rep told me I'm not getting all my money back because the extra I paid in went to make up for the so called shortage because of my tax increase. Which is what I just spent the past 4 months fighting with them about, and was supposedly just resolved. Also, that my monthly payment went up because of a tax increase. Which once again, there never was a tax increase. I get no where with these service reps because each one tells me a different lie. I'm not sure what to believe about my mortgage and highly doubt I will ever get my money back that I over paid and that my mortgage payment will.ever be right.
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| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The issue is with our mortgage company : Amerihome Mortgage Company LLC.
My wife and I have been trying to get a flex modification since mid XX/XX/XXXX ( cant remember exact date ). Our account had been in forbearance under the CARE Act and our forbearance was ending in XX/XX/XXXX. We called and asked them what we needed to do to get lower monthly payments as we no longer made as much income as we did when we bought the home. They sent us a Mortgage Assistance Application. We filled it out and provided all additional documents the directions asked for. This was submitted on XX/XX/XXXX. We got an Acknowledgment letter the next day saying it would take up to 30 days to review our application.
Amerihome ( without asking or contacting us ) gave us a one month deferment for XX/XX/XXXX as a result. After seeing this on our statement, we called them back thinking there had been a mistake, because we were supposed to be contacted by an agent regarding our loan modification options. We were then told that we had to fill out the same application again, and someone would contact us regarding our options. We did, and waited 30 more days. This time they came back saying they needed more documents from us such as bank statements, HOA statement, a harship letter, etc. None of this was ever mentioned in by an agent nor on the instructions on the application. We submitted all the documents they asked for, and waited another 30 days. When we called them they said that they need our HOA statement, or rather that they had a file named HOA statement, but they couldn't open the pdf. So I sent emailed them the statement again.
I finally talked to a XXXX agent on XX/XX/XXXX that assured me that they have been making mistakes regarding our application, and that everything would be handled in the next 7-10 business days. The very next morning, I woke up to an email saying that they need our most recent bank statements which makes our application incomplete. They in fact did have our most recent bank statements. I called back that day ( XX/XX/XXXX ), and the XXXX agent did not know what was holding up our application so I asked to speak with a supervisor. The XXXX agent put me on hold for a few minutes then told me they were all busy, and that they would call me back in 24-48 hours. I waited until today ( XX/XX/XXXX ) and called them back since the supervisor never called me back. I spoke with another XXXX agent, and he told me that the underwriters have all the information they need, but it will take up to 30 days to review our application.
I feel like we are being mistreated and the company is stalling in order to get more full payments out of us or to have us give up on our loan modification application. I have had to sell my motorcycle, and borrow {$1000.00} from my father-in-law, in order to make our XXXX, XXXX, and now XXXX mortgage payments. I always get different answers when I talk to their customer support and XXXX agents, and I can not trust any of them. The amount of incompetence, miscommunication, and deception this company puts its customers through is unacceptable. Please help us get our loan modification so that we can move on with our lives.
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| 03/26/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I contacted my current lender Amerimortgage back on XX/XX/XXXX regarding a FHA streamline refinance. I was dealing with XXXX XXXX. XXXX explained to me that my credit needed to be pulled and a minimum credit score of XXXX was needed. I explained to XXXX per FHA/HUD all FHA streamlines do not need a credit score. He was adamant that they do. However, he pulled my credit and I exceed Amerimortgage requirements. XXXX contacted me a couple days later on XX/XX/XXXX to tell me that he saw that I did a forbearance and that I needed to pay the partial claim out of pocket and that it could not be rolled into the refinance. That is a FHA /HUD requirement. Being that I am in the industry I know that not to be a FACT, just like the credit score requirement for all FHA streamline refinance. So I did my due diligence for XXXX and contacted HUD. HUD also confirmed that when you do a FHA streamline refinance there are 2 different type of streamline programs and one does not require a credit min, and you can definitely refinance your partial claim into a FHA streamline refinance. FHA/HUD also provided me with the article guidance for Amerimortgage. I forwarded the email to the loan officer XXXX XXXX, asked for him to review and follow up with underwriting or whomever needs to review the FHA guidance. I did not hear back from XXXX for 2 days. He responded back to me asking if I extended my forbearance. I was very unclear where that line of question came from since he is with Amerimortgage and he would know that I DID NOT extend my forbearance. My forbearance was from XX/XX/2020 I resumed my mortgage payments back in XX/XX/XXXXXXXX XXXX Amerimortage took several months before they completed my partial claim paperwork. Those are facts and he should be able to see payments have been made. When I answered his question with the same response as I am giving in this complaint and asked for a follow up on the refinance and rolling in the partial claim I have yet to receive a response. I explained to him back on XX/XX/XXXX that I was working with another lender and they were following the FHA/HUD guidance and it appears to me based on his quick uninformed answers there is some type of predatory lending. He was adamant that I am incorrect, and has not responded to my escalation. Amerimortgage has pulled my credit report and are doing nothing for me since they know I qualify for the credit score so now you are attempting me to disqualify my refusing to role in the partial claim and force me to pay thousands of dollars out pocket.! I have also called Amerimortagage since XX/XX/XXXX regarding a copy of my mortgage note. I have been told now 3 times since then a request would be put in and the turn around time is 1 business day. Each time I call to follow up mysteriously the request was closed because someone at Amerimortgage did not put the request in correctly. I called this morning and placed now the 3rd request and was told the turn around time is 1 business day. I continue to explain to the representatives that I needed this document, and I needed it today XX/XX/XXXX. But, yet I am told it will take another 24 hours due to their incompetency twice before.
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| 06/29/2021 |
Yes |
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- Trouble during payment process
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Web |
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I am writing to file a complaint against my current mortgage company, Amerihome. My Account number is # XXXX. Reason is Amerihome Mortgage Company states they have pay property taxes on my behalf from my escrow account to XXXX County Treasure Office in the amount of {$1100.00}. I have contacted the Treasure Office and they have not received a payment for my property taxes FROM AMERIHOME. I followed up with Amerihome requesting proof of the payment that they states have been sent. This request has been made five times over the last three months. I have yet to receive a letter or email as they have stated they were sending out. On XX/XX/2021, once again I contacted Amerihome and they stated they had followed up on this situation and contacted the XXXX Treasure Office and spoke with XXXX on XX/XX/2021 and she stated that they received payment on XX/XX/2021 from Amerihome for my taxes. After the phone call, I went to the Treasure Office and obtain copies of the payment history ( which is enclosed ). Spoke with XXXX, who stated if there was a payment from Amerihome it would be noted on my account and the payment would have gotten sent back to the company because there were no taxes due at this time. I asked to spoke with XXXX ( who was at lunch ). I continue to explain to XXXX of the conversation I have had with Amerihome. At this time she told me that THEY COULDNT HAVE SPOKE WITH XXXX ON XX/XX/2021 BECAUSE SHE WAS OUT OF THE OFFICE FOR THAT WEEK. I found that interesting seeing that anyone can go to the website and pull up the county treasure and found XXXX XXXX XXXX name. After leaving the office, once again I called Amerihome wondering if they simply have the wrong address since I have not received any response to my request and maybe the taxes were paid on the wrong property. I spoke with XXXX where she verified the correct address and told me there was nothing she could do.
To give you some more information and background on this situation, on XX/XX/2021 I closed on my home, a refinance with XXXX XXXX XXXX At that time I was required to pay my property taxes on the house in the amount of {$1100.00}. This amount was included in the loan amount. On XX/XX/2021 the loan was sold to Amerihome Mortgage Company. After contacting Amerihome I learned they had taken {$1100.00} out of my escrow account, stating it was for my property taxes. I told them that the taxes were pay at the time of closing and there were no taxes due at this time. I can not understand why they decided to take the money out and pay the taxes when it is clearly stated on my loan papers taxes was already paid. The XXXX Treasure Office provided me that proof of the last payment made by XXXX XXXX XXXX XXXXat the time of closing, received on XX/XX/2021.
Upon searching for the proper government entity to file my complaint, I have learned there are several complaints file against this company and a lot of the complaints are in reference to escrow account ( mishandling ). This leads me to believe this company should be investigated on how they are handling their clients escrow accounts. Hopefully this matter can get resolve and I look forward to hearing from you soon.
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| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Towards the end of XX/XX/XXXX, I received an email from mortgage company saying that I have an escrow shortage of {$1700.00}. I called the mortgage company to explain why an escrow shortage of such amount. Their explanation was because taxes increased from {$4900.00} to {$5000.00} a year. I found it very confusing that a {$100.00} difference in tax increased will create such a big amount in escrow shortage. Still not satisfied with that answer I called back to the mortgage company again, this time a representative tells me that there was a double payment for the month of XX/XX/XXXX. I told them how that was possible if previous owner had paid taxes in XX/XX/XXXX that covered the month of XXXX. The representative had no answer. I reached out the county tax collector for information about a payment for the amount of {$1300.00}, the tax collector person says the amount does not show in their payment history. The tax collector email me a copy of the payment history for the entire year of XXXX and beginning of XXXX and it only shows 2 payments received ; in XX/XX/XXXX for {$1200.00} and in XX/XX/XXXX for {$1200.00}. I called back the mortgage company and explain the situation.. I'm asked to email that copy to them and they will open a case to investigate. So I've been calling this mortgage company every week since the end of XXXX and I still get the same answer. Apparently a tax collector from the mortgage company called the county to verify the check was received and it was confirmed. I called the tax collector and asked if she confirmed, she stated that the tax collector from mortgage company is giving a false statement as she never received a check for {$1300.00}. She even faxed them a proof of payment history where again it doesn't show that check was received. Last week I spoke with a supervisor and told me the previous cases were opened incorrectly but this time he was going to file the proper one and to call back XX/XX/XXXX. Today is XX/XX/XXXX and I called back, another representative couldn't find any case reopened and was not able to provide me with information or any solution to this matter. From XX/XX/XXXX to XX/XX/XXXX, I've spoken with XXXX, two other I can't recall their names, XXXX, XXXX, XXXX ( pretty much told me to take the fault and pay the amount owed of it will hurt me in the end. Also suggested to disperse the payments into 24 months as oppose to one time payment of 12 months ), XXXX, XXXX XXXX, XXXX, XXXX ( supervisor ) and XXXX. I was also told that this issue will take months to get resolved because it needs to be investigated. How are they going to investigate if they keep closing the case with no intentions of finding a solution. I was able to make an adjusted mortgage payment but I refuse to make that extra payment that was increased from money that is nowhere to be found. They have been playing with. me for the past almost 2 months with this phone calls. It is very discouraging and frustrating to know big companies like this one in particular take advantage of people like me who are first time homeowners. I wonder to how many people they do this on a regular basis. XXXX XXXX SHAME ON YOU!!
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| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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About XXXX years ago, I refinanced my home with a local bank. Upon the refinance I asked the mortgage banker if there was anything I needed to do in the process. I was assured that if I e-signed all the documents that were sent to me everything else would be handled. Apparently that was not the case. When my loan changed lenders, my insurance company was not notified. As a result they dropped my insurance. My loan was sold to another company after the local bank completed the re-fi. They did not have an active insurance policy on hand so they took it upon themselves to get me a new one and added the policy amount to my XX/XX/2022 payment which made my payment for the month almost {$500.00} more than normal which I was not prepared for. I was unable to make the payment and shocked to see that it had gone up so much. I immediately contacted the company and that's when they explained they didn't have any insurance on file for me. I then immediately contacted my insurance broker and they stated they would work right away to get my policy back. They had received approval from the previous company to reinstate it and were waiting for payment from my mortgage company to complete the transaction. My mortgage company never sent the payment after weeks of my broker requesting it. For nearly the next XXXX weeks I went back and forth between the insurance broker and the mortgage company trying to figure out why nothing had been resolved so I could make my normal payment. After getting both the mortgage company and the insurance broker on the line at the same time, the mortgage company finally said they hadn't sent payment because the broker never sent an invoice, and the broker stated that on ALL the previous calls that were made, it was never stated that was needed. This was nearly XXXX weeks later. I made every effort to keep everyone necessary in the loop about what was going on but the mortgage company proceeded to report my payment as late for the month of XXXX. Since then they have put me on a repayment plan but continue to report late payments for my mortgage which has lowered my XXXX XXXX over XXXX points since XXXX and now it's affecting my ability to get loan financing to purchase another home. I requested a review of the credit reporting to have it removed. I received a letter from them stating it's still under review but no determination has been made. This whole situation has been a huge inconvenience. The whole reason I refinanced was to lower my monthly payments and because of the poor communication from my mortgage company to my insurance broker my payment has significantly increased monthly. My broker was unable to reinstae my old insurance policy as the company it was using required payment by a certain time that had not been honored due to my mortgage company not following through with the payment in a timely fashion. I had to get insurance on my own which was XXXX times more expense than my previous policy because there had been such a long break in my coverage. I would like the negative reporting to be removed expeditiously so that I can move forward and not be negatively impacted financially.
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| 03/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This is a complaint about my mortgage lender, Amerihome Mortgage Company , LLC ( XXXX ID XXXX ). Their phone number ( XXXX ) XXXX.
My complaint is that Amerihome escrows significantly more for real estate taxes than I actually owe. They have done this for nearly 4 months and refuse to respond to my request to stop over-charging and to refund the amount of my excess escrow. I believe Amerihome Mortgage Company 's actions violate my rights under RESPA.
Specifically, Amerihome has calculated my escrow amount as if my real estate taxes are {$24000.00} per year when the actual amount of my tax is just {$4200.00} per year. I have attached a copy of my real estate tax bill from XX/XX/XXXX that shows my annual tax amount due.
The reason Amerihome is over-charging me is that Amerihome received and paid an incorrect tax bill of {$28000.00} from the county on XXXX XX/XX/XXXX. When the county discovered that my tax bill was incorrect, it issued a corrected tax bill in XX/XX/XXXX. It also issued directly to Amerihome a full refund of the overpaid amount of {$26000.00} on XXXX XX/XX/XXXX.
However, Amerihome did not adjust its escrow calculation and has continued to over-charge me. Since XX/XX/XXXX ( after the refund was issued by the county to Amerihome ), Amerihome based my escrow tax payments on the erroneous tax bill and has never changed it. As a result, every month I continue to be charged {$8300.00} by Amerihome rather than the correct amount which is only {$3500.00} per month.
I have spoken with Amerihome and written them about this overcharge and the fact that Amerihome was refunded 100 % of the amount that was overpaid due to an error in tax bill. I have specifically asked Amerihome : 1 ) to correct their miscalculation of my real estate taxes and re-adjust my monthly escrow payment so that it is accurate, 2 ) to refund to me the {$26000.00} refund the county issues Amerihome in XX/XX/XXXX for overpayment of real estate taxes, and 3 ) to refund to me the excess escrow payments they have withheld every month since XX/XX/XXXX. As of XXXX XX/XX/XXXX, the amount I have overpaid is {$14000.00} ( not including any interest I might be entitled to ) and keeping in mind this overpayment continues. In total, the amount I am requested Amerihome refund to me is {$40000.00}.
All of my concerns to Amerihome have been ignored which is why I am filing this Complaint. The deadlines set out in RESPA for Amerihome to respond to my request and to issue me a refund of the money they have wrongly escrowed has long passed. This summary of the dates of some of my communications makes it clear that those deadlines have been ignored.
These are the dates I complained and requested action via phone or in writing through their website with Amerihome : * XXXX XX/XX/XXXX ( online chat ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) Now I am requesting your assistance to get Amerihome to immediately adjust my monthly escrow payment so that it is accurate and to refund the amount they have over-charged me.
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| 06/29/2022 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, my home insurance was re-written with XXXX XXXX who acquired XXXX. The premium was decreased significantly, and XXXX sent Amerihome a request for payment in the amount of {$1600.00} to cover my insurance policy by XX/XX/XXXX. On XX/XX/XXXX XXXX forwarded Amerihome a cancellation of the old policy as a new policy replaced that one. Amerihome failed to make payment to XXXX and on XX/XX/XXXX, I received a letter from Amerihome indicating they received a cancellation of the insurance policy. I uploaded the documents which are attached requesting they make immediate payment. On XX/XX/XXXX, I received notification from Amerihome that information was updated. When I went to check the information on the website was incorrect. The dates were ineffective dates covering XXXX and the insurer was listed as XXXX. I immediately called and spoke with a supervisor who acknowledged the error on their end and advised he would get it updated immediately. He went on to say they would also issue payment expeditiously from my escrow which had enough to cover. I received a voicemail advising payment was issued on XX/XX/XXXX to my insurer and all information was corrected. On XX/XX/XXXX my insurance agent had not rec 'd payment. I called AmerihomeXXXXr to find that they sent the payment to the wrong address and by regular mail. After several minutes of frustration, the agent offered to stop pay the draft and reissue and return the original {$1600.00} back to my escrow and issue another payment to the insurance company overnight by XXXX. My insurance agent provided the overnight address and he first advised he had no way of getting the tracking number with XXXX. On XX/XX/XXXX, I received a email showing the payment was issued to my XXXX XXXX XXXX. On XX/XX/XXXX, my insurer has not received the so-called overnight payment. I called Amerihome/XXXX and spoke with a representative who provided a tracking number which shows no delivery address on it and no way to confirm this is indeed the address provided for payment. When asked to provide the address she stated, " I don't have that it would've just been what was told to the representative '' When I said it was unacceptable and requested a manager I was placed on hold and conveniently disconnected. Amerihome has also not returned the original {$1600.00} amount back to my escrow in fact it is showing negative as of today. I am in the process of losing insurance coverage as of XX/XX/XXXX placing a significant hardship for me to pay out of pocket when they receive payment to do this. On top of that, I received an analysis of escrow and payment increase when the information in the document is incorrect. The payments are grossly higher than what the charges really are. I would like this company to own their mistakes, return my escrow back to where it should be instead of duplicating payments when it was clearly their error. Review my analysis as they are incorrect, and I have both property tax statement and Insurance which they have grossly increased. Also, ensure my insurer is paid so that I am not without coverage due to their bad faith errors constantly.
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| 08/21/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My husband and I bought a home with XXXX XXXX Loans in XXXX-XXXX this year. That loan was sold to Amerihome Morgage Company before we had even made our first mortgage payment in XXXX. When it was purchased our previous lender, XXXX XXXX Loans, sent us a digital copy of the disclosure of sale since we had not moved into our new home yet and didnt have access to the mail. I detached the temporary payment coupon that was attached to the bottom of the notice and mailed it, along with a physical check, as directed, to Amerihome.
Our check cleared our checking account on XXXX XXXX, cashed by Amerihome as indicated by the photocopy of the front and back of the check in my checking account.
A couple of days later I went to see if I could make some sort of online account with Amerihome so that I could make sure the payment posted and so that I could see our loan information. When I went to make an account I had some issues and called in to Amerihome for assistance. They were able to find my loan but apparently the loan number that was on our notice was different than the loan number that Amerihome had assigned internally. I also sent the check to the address listed on the notice, which I was also informed was incorrect - it was Amerihomes corporate office not the payments department. While on the phone with Amerihome I asked if this would affect our first payment and was told not to worry about it, these things happen when loans are sold, and that under RESPA we had 60 days for it to all get straightened out and that it would just take a little time but that it would make its way to our account. A couple of weeks later I saw that it had still not posted to our account so I called again to check on the status and was told to send an email with a copy of the front and back of the check showing it was deposited. I sent that and a copy of the disclosure letter and received an email back again telling me about RESPA and that it was just taking time to get from the corporate address to the billing department. Meanwhile I paid our XXXX payment online, no problems.
I checked again in mid XXXX and noticed that our first payment still hadnt posted to our account so I sent another email following up to check on the status. This time I received an email back stating that Amerihome never deposited this check.
Sensing that this was going to be an issue I went ahead and paid our account so that it was up to date with money from our savings and have since been trying to locate this money. I have spoke with numerous Amerihome representatives some of whom told me that there was just nothing I could do and that the money was gone, another resubmitted my payment dispute, and another who told me that the money had been transferred to the payments department from corporate but just hadnt been applied but it should be done by XXXX XXXX. I checked our account XXXX XXXX, the money still hasnt been applied nor have we received any sort of refund so I called again, spoke with 3 different people, and the conclusion I got was that the check had never been found despite my provided evidence to the contrary.
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| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good afternoon!
In XXXX of 2021 due to covid an hardship I was behind in my morgage but i recived my income tax ao I was able to make three payment and put my seld up to date. laiter that year I want to say 2 months latern I noticed that the account was still late a month, i called and the perosn on the phone said that they only had two payments, I told that person that can not be becasue the person who I spoke too when I made the last payment in XXXX told me that I was up to date when I did the three payments that month. so I checked with my two banks and the statements show that all three payments were done. so i called later and told them that the back shows all three payments. they wanteed me too faxx the bank statements which I did but first i kept calling and try to fix the payments and tried to email the bank statements as well and waited for answers which i didnt get. one time durin XXXX or before i did called them and a help agent said that the third payment was put into my escrow, which i didnt authorize to do because I needed to be up to date with my monthly payments, so he told me that he witll grt into it and fix the problem. later those months the account was sold to other norgage companies I remember it being XXXX XXXX XXXX morgage because I talked to them about the situation because it still showed me being late a month and i explained to the person of XXXX XXXX that amerihome home morgage has to fix the problem with the third payment that was done. as of now XX/XX/XXXX they havent fixed it. the account is now with XXXX XXXX XXXX XXXX XXXX and still has the same problem of being late for a month due to that payment. I have been waiting for an answer since I did talked, emailed and faxed the bank statements were it shows the thee payments that I did back in XXXX to Amerihome. so I called them today and the lady XXXX said that the three payment swere made and that two of the were to the monthly payments and one to escrow, when she told me this I said that the third one should not have been to escrow it should have been to the monthly payments since I was trying to get up to date and I told her that I haved explained this before. now they tell me that the payment were not acceptable by the bankc. and I said that I have the bank statemnts were it show that the payments have been talking out of my account and not been return at any time. and that I have been calling before to solve this problem that she says that can not fixx. she did give me an option of sending the papers again but this has been taking almost a year and they havent helped me enough. and i have been charged late fees from that time in XXXX up to this date which I should not be because I made my payment to be on time back in XXXX of 2021.
Thank you for your time and your help The bank is Amerihome morgage their phone number is XXXX and my loan number is XXXX they she also said that they didnt have any records of me contacting them through out this year which is impossible that some one can leave a payment of a XXXX hanging around. so are they erasing their logs. also she said no record of fax
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| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Refinanced to Amerihome in XX/XX/2019. Did not receive welcome packet, account details, even was given the wrong account information. DO NOT USE AMERIHOME!
XXXX. mortgage payment was deferred due to refinancing.
Pay XXXX payment over the phone with a representative, paid the {$10.00} servicing fee, and was corrected on the account number issued to me being inaccurate.
Paid XXXX over the phone, because online platform was clunky, showed loan unavailable because the account number did not match ( the old one or the new one ). I had still had not received welcome packet/payment coupons. Set up Online playform, connecting the right loan and name together with a representative on the phone. Attempted, and believed successful, at setting up Auto-Pay. Auto-paid failed for XXXX causing the cascade of " I hate this company '' Tried to pay XXXX and XXXX in full before XXXX XXXX. Bank returned payment, due to unable to find the account. Was notified on XXXX XXXX after both XXXX and XXXX payments late, was NOT notified on their online system ; no email, no text message, nothing! Did show that my payment had been kicked back from my bank " unable to locate account ''.
I attempted to pay a 2nd time, in XXXX XXXX, paid with a different bank ( troubleshooting why the 1st bank rejected ) ; 2nd bank returned payment due to account errors. Now It said my account was over 30 days late, because both my banks had returned payments, I was unable to pay online, or with a representative ; had to pay with a wire transfer- are you kidding me?! I was spending my lunches as a XXXX XXXX trying to figure why I couldn't pay my mortgage, why the servicing department was having issues and inaccuracies with my account.
In XXXX found out the surname on the account was incomplete/misspelled, after XXXX XXXX payment was rejected from my 2nd bank. Even now, I can see in my online system where my name is misspelled in their system.
Have called Amerihome twice a month since XXXX to get this sorted ; has caused over 100 points of credit damage. Of a company of 115 employees, I have talked to 20 of them, including direct correspondence with people in the HQ office. Every person I have talked to has given me the run-around, put blame on me since they see their accounts are not misspelled ( but I can see on my online platform it CLEARLY is ). I have had 2 managers tell me they put in the request to get the XXXX phone calls listened to ; which I believe is MY proof that the Auto-Pay set up was a folly on AmeriHome 's part, and is the antecedent to the last four months of misery ; when I talked to the representative at HQ in XXXX, there was no note that either manager had put in the request ( 1st was in XX/XX/XXXX was in XXXX. ). THEY ARE GOING TO LIE TO YOU.
Account was paid in full for the months of XXXX, XXXX and XXXX before XX/XX/XXXX.
This servicing company has caused me much headache for ME trying to solve THEIR servicing issues. This company has caused horrible damage to my perfect credit report, and at a time where I am needing my credit to buy a new car. IF YOU AVOID USING AMERIHOME, DO IT!
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| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Per Amerihome customer service, I disputed this account with each credit bureau several times, requesting that the 30 day late payment be removed. For each dispute, the 30 day late payment was verified as accurate. I recently received a letter stating that after review of my account, it was determined the information was reported as accurate. I strongly dispute the recorded 30 day late payment in XXXX.
A payment was made on XX/XX/2020 and two payments were made XX/XX/2020 and XX/XX/2020. During this period in time, the escrow on my loan was in the process of being removed.
A bit of background : when the loan was originated, I opted out of escrow. However, several months ago, escrow was added to my account, causing my loan payment to increase. I repeatedly requested to have the escrow removed, as Ive elected to pay my home owners insurance and property taxes separate from my mortgage loan. After speaking with the escrow department and several customer service representatives, as documented by Amerihome representatives, I followed the process to have the escrow removed ( satisfying the escrow balance and sending signed letters to request that escrow be waived ). I was assured that escrow would be corrected and removed. I was then instructed to make my normal mortgage payment, sans escrow.
On XX/XX/2020, Amerihome received my mortgage payment sans escrow. Amerihome has a 17 day grace period where as a payment is considered late if it is received after the XXXX of the month. A late fee was was charged to my account ( and later waived ) because of the initial back and forth with customer service representatives instructing me to wait before paying my mortgage payment until escrow was properly removed. I was told that paying a different amount than what the system was displaying may cause my payment to be returned to me. The XX/XX/2020 loan payment was subsequently returned to me because the escrow had not been removed from my loan as I was assured and my account still showed that I owed a loan amount which included escrow.
Upon contacting Amerihome about the returned payment, they assured me that the escrow had been removed from my account and I could resubmit the payment, sans escrow. I resubmitted my payment and on XX/XX/2020, Amerihome received and applied my XXXX mortgage payment to my account. On XX/XX/2020, Amerihome received and applied my XXXX mortgage payment to my account.
Since this loan was originated, I have made each of my mortgage payments timely and have never been 30 or more days late. While dealing with the effects of COVID-19, I have worked extremely hard to stay afloat and not let any of my financial responsibilities fall behind or suffer adversely. Receiving a 30 day late payment on my Amerihome mortgage account ( I have never been late for any accounts that are reported on my credit ) has ruined my credit and has caused creditors to decrease my credit lines on several of my accounts because my credit scores severely suffered with the 30 day late payment that is currently being incorrectly reported on my mortgage account with Amerihome.
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| 08/06/2020 |
Yes |
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Web |
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We initiated a simple refinance with Amerihome, our existing loan services, to lower our interest rate at the beginning of XXXX. We were told by XXXX XXXX not to make the XX/XX/2020 mortgage payment due to closing to take place on XX/XX/2020. The closing was rescheduled for XX/XX/2020 due to receiving the title documents on XX/XX/2020 from my attorney.
From the start of the refinance process I made Mr. XXXX aware that we would have our attorney do the title work. We financed with Amerihome last year and the title work would be less than half of what were were quoted if the company used by Amerihome was utilized for closing. An initial delay was caused because Mr. XXXX forgot that we were using our own attorney and title company. When the request for title work was submitted to our attorney, XX/XX/2020, there was not sufficient information to move forward. My attorney requested the missing loan number and other information. My attorney provided all of the necessary title work on XX/XX/2020. Mr. XXXX informed me we would be closing on XX/XX/2020.
I also asked Mr. XXXX at this time if I should make the XX/XX/2020 mortgage payment. I was told no because this would cause a change in the payoff amount and further delay the closing.
On XXXX XXXX I received and email from XXXX XXXX and a phone call from Mr. XXXX staying I should make the XXXX payment and we will close the loan in XXXX.
Because Mr. XXXX told us we would not have to make a mortgage payment until XXXX, I had to transfer funds into our account on file with Amerihome. The bank lobby was closed due to COVID-19. I was told this would have to be done online.
I transferred funds and set the payment up on bill pay as usual. We have never had a late payment with Amerihome.
The payment was rejected because by the time the money transferred and the payment was sent Amerihomes online system had us in default and would not accept less than 2 payments. I did not become aware of this until XXXX XXXX.
I had to call the default department and process a payment through them.
Now we will have a late payment show on my husbands credit report and we can no longer refinance.
I have to add that Mr. XXXX became very condescending and was a bully at times. He changed his story frequently trying to cover his mistakes.
I realize it is a busy and stressful time but I do not feel this situation is fair to us. My lawyer, XXXX XXXX, is also confused as to why the loan didnt close before the end of XXXX.
There were several other smaller issues with paperwork. 1. I forgot to date a for but I dated and resent. 2. Mr. XXXX was insistent that I didnt sign an electronic form yet when I talked to his assistant XXXX, she said it was a form my husband had to sign and it was already signed and completed.
We are requesting that this late payment not be reported to the credit reporting agencies. We wanted to make the payment On XX/XX/2020 and on XX/XX/2020, were told not to by Mr. XXXX. He even offered to get the late charge waived. Please listen to the recorded phone calls.
Thank you, XXXX XXXX and XXXX XXXX
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| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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ATTN : Loss Mitigation Fax # XXXX XX/XX/XXXX To Whom it may concern All of the alleged back money owed to Amerihome Mortgage, due to them suddenly and without warning cancelled my approved modification XX/XX/XXXX ( see previous complaint ), was paid by the XXXX program on XXXX XXXX. The full balance of what was owed was paid in full and my account is current.
I was never in a deferment. On my XX/XX/XXXX invoice from Amerihome Mortgage, it shows an additional deferment amount of {$1900.00}. Now in XX/XX/XXXX, I was approved for a modification. The trial payments started in XX/XX/XXXX, but in XXXX of XXXX someone changed the modification to a deferment without my request or permission and it took over XXXX months to fix.
On XXXX I faxed you a letter asking you to fix the mistake of stating I had a deferment of {$1900.00}.
I wrote a qualified Request to Amerihome asking them to remove the deferment, since it was obviously a clerical mistake, held over from last year.
Imagine my surprise when I looked at my account online in XX/XX/XXXX, and it states that I have XXXX principal balances : XXXX for, surprise, surprise, {$1900.00} and XXXX for {$92000.00} with a new total of {$94000.00}.
Before I started the modification process, which I thought was designed to help me, I owed {$93000.00}. Someone has once again made a terrible mistake that needs to be corrected. I dont have XXXX balances, I dont owe an additional {$1900.00} and this needs to be fixed ASAP.
In addition, on XX/XX/XXXX I sent a letter ( almost a full month before my homeowners insurance was due ) requesting that it be removed from escrow so that my mortgage payments could stay low. I had already started payments with a payment of {$250.00}. They never responded to my request, but instead instantly paid my insurance for the year. I escalated the request verbally in XXXX and again in XXXX.
About XXXX weeks ago I called, and faxed and asked that this request would be escalated, and I still have had no response. I called again on XXXX and they said maybe I would get an answer by XX/XX/XXXX.
I have been more than patient with Amerihomes constant errors over the past 3 years. I will be contacting The MA Governors Office for XXXX XXXX and I will be looking for legal representation. Amerihome has consistently screwed up, been unapproachable and made mistake after mistake with my mortgage. The stress level has literally raised my XXXX XXXX and affected my health. Just this past Monday, XXXX XXXX, XXXX I was on the phone, mostly on hold fpr XXXX hours, passed to XXXX people and had to call back 3 times. Today, XXXX XXXX, I was on hold, cut off and again passed to XXXX people for over XXXX hours, with no resolution.
To reiterate, When I applied for a modification, I owed {$9300.00}. I dont owe an additional {$1900.00}, and XXXX has refused to remove the deferment, even though it is a clerical error, which Amerihome has admitted, and I NEVER requested a deferment. Also, I would like the to pay my homeowners insurance outside of escrow to lower my monthly payments.
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| 05/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Summary : My mortgage was transferred from XXXX XXXX to Amerihome where it currently resides. I sent my first payment of {$810.00} to XXXX XXXX. This payment is never acknowledged by Amerihome. I spent 6 months with XXXX XXXX getting proof of the transfer ( see attached ) and the last 6 months trying to get Amerihome to either acknowledge the payment or tell me what more they need from me or XXXX XXXX to prove that the payment was transferred. I submitted an extra payment on XX/XX/XXXX to Amerihome, because they kept saying was late. So, I am not behind on my mortgage. Amerihome did acknowledge this payment and every other payment except this 1st one. Every time I call Amerihome I have to explain the situation again from the beginning, because they refuse to assign one person to sort out this issue.
AmeriHome Mortgage Company , LLC XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX ( a year ago ) I made my first mortgage payment to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX XX/XX/XXXX Escrow Balance was transferred from XXXX XXXX to Amerihome ( we are all in agreement on this point ) { Skipping the back and forth with XXXX XXXX they have always said they transferred the payment on XX/XX/XXXX but I had to get them to send me some sort of proof, which took a while } XX/XX/XXXX - Phone call to Amerihome - They " opened a ticket '' on the issue XX/XX/XXXX - Phone call to Amerihome - They said they needed more information. I supplied this information.
XX/XX/XXXX - Phone call to Amerihome - They opened another ticket on the issue XX/XX/XXXX - Phone call to Amerihome - They said they needed more information, transferred me to a different department, was cut off, they didn't call me back.
XX/XX/XXXX - Phone call to Amerihome - They said a ticket was opened and would be resolved in 30 days XX/XX/XXXX - Received a letter from Amerihome - They acknowledge receipt of my information XX/XX/XXXX - Phone call to Amerihome - They said a ticket was still be working on the ticket XX/XX/XXXX - Phone call to Amerihome - They said a ticket was still be working on the ticket XX/XX/XXXX - Phone call to Amerihome - They said they need more information. I emailed the transfer proof from XXXX XX/XX/XXXX - Received email from Amerihome - Confirmation from Amerihome of the Receipt of my additional information XX/XX/XXXX - Received email from Amerihome - " Please contact XXXX , XXXX, your previous loan servicer, to locate your missing payment. '' XX/XX/XXXX - Sent an email to XXXX - I re-sent the proof from XXXX XXXX and I asked for a detail description of what Amerihome needs from me. Amerihome responded with an automated Receipt of my email.
XX/XX/XXXX - Mailed " qualified written request '' through Postal Service ( See attached ).
XXXX- Amerihome responded to my postal service " Qualified written request '' with a letter in the mail - saying 30 days XXXX-Amerihome responded to my postal service `` Qualified written request '' with a letter in the mail - saying 15 more days XX/XX/XXXX - I still have not heard back from Amerihome
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| 06/28/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX XXXX am writing to you today to explain my hardship situation that led to my application for home loan assistance through a modification program with my mortgage company, AmeriHome Mortgage. I applied for a loan modification twice with AmeriHome Mortgage. My property address XXXX XXXX XXXX, XXXX, CA, XXXX, Mortgage Loan # XXXX. The first loan modification request was on XX/XX/XXXX with a denial issued on XX/XX/XXXX. At that time there were various denials written for different programs. I am calling into question various programs starting with the Hamp Stand Alone Partial Claim that stated, " Your current mortgage payment is greater than a modified mortgage payment that could be offered to you based upon program limitations. '' I was not informed as to what those program limitations were and am hereby requesting them in writing as this response was vague and unclear. Additionally this answer section was different in my second mortgage modification denial under the same program, which is contradicting.The denial section for the Hamp Stand Alone Partial Claim states, Your income is insufficient to support the workout plan payment amount. So my question is, which is the real reason for this programs denial? For clarification purposes the second mortgage modification was submitted on XX/XX/XXXX. The reason we submitted a second request was due to a change in circumstance, which was that my son who was previously not working due to his wife and newborn being admitted to the hospital, began working again and had income to contribute to our household. The second modification denial came on XX/XX/XXXX. The program, Home Affordable Modification denial reason that states, " You have not made at least four contractual payments on your loan. '' But on XX/XX/XXXX we opened up a help ticket with AmeriHome tech support because we could not login to they web browser to make payments or sign up auto billing. They never responded to us and we opened a second ticket on XX/XX/XXXX and still heard nothing back. We are not able to view the website to see paperwork mailed to us and with living rural and having mail theft it makes it very difficult to know what is going on. Throughout our hardships and after several attempts to pay our mortgage by the phone, we realized we were too far delinquent to make up the missed payments and our only chance at keeping our home we would need to request assistance from the bank. Our attempts to make up our mortgage payments were ignored therefore we could not comply with the guidelines that stated we needed to have made four contractual payments. The reason for my complaint today is that AmeriHome has demonstrated hypocrisy, stalling my request for assistance only to deny my modification requests. This mortgage company has not taken my mortgage modification request seriously and has not even presented the workout package to my investor. They have thrown up red tape and made up denial decisions without validating or explaining these supposed program limitations or investor guidelines.
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| 12/12/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In 2020 we applied for a mortgage forbearance with Amerihome due to financial hardships caused by Covid-19. We were approved and paused our mortgage payments for 6 months, then got approved for up to a year. After forbearance was over, we applied for a loan modification. The modification came back and the mortgage was too high, so at that time our situation had not gotten much better and we denied the offer and reapplied. The company continued to ask for copies of the same documents over and over and each time they would " close '' the case, claiming they did not have the documents they needed. We have submitted everything they've asked for each end every time, yet they continued to claim they did not have the documents. We have applied numerous times, and each time it's something different. At one point they had put in the information that my spouse had passed away, which was inaccurate. This has become an absolute nightmare and this mortgage company is either grossly incompetent or purposely stringing us along so they can take our home. We were approved on XX/XX/XXXX for a loan modification and were told we could start our mortgage payments on XX/XX/XXXX for {$2200.00}. We received the paperwork on XX/XX/XXXX, and on XX/XX/XXXX we sent all the documentation they requested via XXXX. On XX/XX/XXXX the lawyer received notice that the mortgage company claimed that the paperwork they received was a photocopy, which was not true, then they claimed they didn't get it at all. XXXX shows that they signed for it on XX/XX/XXXX. As of XX/XX/XXXX, the permanent documentation was still in review. On XX/XX/XXXX they declined to state the documents were copied again. The " copies '' they are referring to were copied on their end and we sent back exactly what they sent us. We attached new documents on XX/XX/XXXX which were delivered on XX/XX/XXXX. We called the mortgage company on XX/XX/XXXX to make our payment, as per the lawyer 's office, and were told that they closed our file 2 weeks prior on XX/XX/XXXX. So once again, they closed our file without telling us. So at that time, they would not let us make a payment. They denied our application based on the claims that they did not receive the paperwork in time, however, we have documented receipts that they received it on time. The packet was then resent on XX/XX/XXXX. On XX/XX/XXXX they requested more documentation, which was sent back the same day. XX/XX/XXXX the modification was deemed complete. XX/XX/XXXX it was still pending review and as of XX/XX/XXXX they came back with an approved trial modification at the rate of {$3400.00} which is now over {$1000.00} more than the previous offer which we can not afford. We feel this is an unreasonable amount. At this point, I believe that this mortgage company is predatorily attempting to get us to give up our house because it will make them more money. We are a family of XXXX and bought this house as our forever home. We have been fighting for over 2 years and just want to keep our home and make our payments.
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| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage servicer recently changed from Amerihome Mortgage Company , LLC ( " Amerihome '' ) to XXXX XXXX XXXX ( " XXXX '' ). Amerihome sent my wife and I a letter on XX/XX/2021 informing us about the change to XXXX. The letter stated that all payments should be sent to XXXX at a XXXX XXXX XXXX XXXX, IL. My wife and I had automatic payments set up with Amerihome. On XX/XX/2021 Amerihome sent us an email stating that if we had automatic payments set up with them it would continue with XXXX and no further action was required on our part. Our mortgage payment was due on XXXX.
On XX/XX/2021 ( five days after our payment was due ), Amerihome sent us a correction email stating that our automatic payments would not be continuing and that we either needed to set up an online account with XXXX or mail the payments to XXXX and again provided the po box in XXXX, IL. My wife and I promptly mailed a check the next day as we had not received a letter from XXXX yet with our account number to be able to create an online account ( we tried to set XXXX up before mailing the check out ).
On XX/XX/2021 ( the end of the 15 day grace period for late payments ) we still had not seen the check cashed. I called XXXX and the customer service representative I spoke with explained that Amerihome had given us the wrong payment address. The correct payment address for our mortgage was a po box in XXXX, CA, not XXXX, IL. The customer service representative asked if our prior servicer was Amerihome and stated that Amerihome sent out these emails ( with the auto pay info and the wrong payment address without confirming the information with XXXX ) to many people and they were getting a lot of calls. XXXX advised me to cancel my check and make a payment online ( I now had the information I needed to set up an account ) and that there would no penalty or negative impact on my credit score as the grace period is extended to 60 days when servicers change.
I then issued a stop payment order with my bank and was assessed a {$35.00} fee for doing so and made my XXXX payment to XXXX online. I contacted Amerihome to ask that they reimburse me for the {$35.00} fee because it was only assessed as a result of their incorrect information. I explained what had happened, just as I have here and provided them copies of the emails they sent me, evidence the {$35.00} fee was charged, and evidence that the address they gave me was wrong. They told me that the address was not wrong ( it is, and is easily verified on XXXX 's website ) and that they verified it with XXXX before sending and told me to take up my issue with XXXX. They did not acknowledge the fact that they told me my automatic payment would go through just fine and only told me it wouldn't after my payment was due.
I have no way of confirming if XXXX incorrectly confirmed the information for Amerihome, but XXXX did not provide me any incorrect information to me that resulted in this fee, Amerihome did ( multiple times ).
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| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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When Amerihome purchased my loan in XXXX, my monthly payments, including escrow, were just over {$1500.00}.
Beginning XX/XX/XXXX, I informed Amerihome Mortgage XXXX " Amerihome '' ) that my local tax department in XXXX XXXX, Michigan had not applied a principal residence exemption and my tax bill was about {$2000.00} too high. Amerihome paid the taxes anyway, and shortly after I received a {$2000.00} check ( approx. ) from XXXX XXXX for the overage.
Meanwhile, Amerihome began to recalculate my monthly payments based on a perceived shortfall in my escrow account -- a shortfall created by their overpayment.
After several calls to Amerihome, I returned the {$2000.00} overage, which Amerihome should have applied to my escrow account. Instead, Amerihome informed me that my monthly payments would rise to just over {$2000.00}. I called again to sort out the problem, and Amerihome did another escrow evaluation. By the time that was complete, I had paid the {$2000.00} a month XXXX approx. ) for XX/XX/XXXX and XX/XX/XXXX.
In XX/XX/XXXX, my monthly payments were adjusted to {$1700.00} XXXX approx. ), but that is still too much. Since then, I've contacted Amerihome several times and have not received any substantive response. Instead, I hear repeatedly that " a task has been created '' and " this matter is escalated in our system, '' but there is never any meaningful response.
Here is the message I sent to Amerihome on XX/XX/XXXX : - '' I've been working to resolve your escrow withholding for months and months now. I'd -like to begin documenting this effort with email because multiple phone calls have not -achieved any results.
- -You are currently withholding {$610.00} per month for taxes and insurance, including PMI.
- -That totals {$7300.00} annually.
- -My annual taxes were {$3800.00} -My monthly PMI is {$98.00}, or {$1100.00} -My insurance is {$830.00} annually -That totals {$5800.00} annually - -By my calculations ( {$7300.00} - {$5800.00} XXXX you are collecting {$1400.00}, or {$120.00} too -much. On top of that, I paid {$2000.00} in XXXX and XX/XX/XXXX, putting an -additional {$460.00} into escrow that was also an overage.
- -I would think that you are obligated to refund the {$460.00} for the high payments in XXXX and XX/XX/XXXX, reduce my monthly by {$120.00} to {$1600.00}, and -refund the excess {$120.00} paid in XXXX and XX/XX/XXXX.
- -That totals a refund to me of ( XXXX + XXXX ) {$700.00} and future monthly payments -of {$1600.00}.
- -If this is incorrect, please provide the correct calculations to me in writing within XXXX -days of this message. '' ( I offset the quoted message with " - " hash marks. ) I expect a refund of the overages paid for XXXX and XX/XX/XXXX, an adjustment of my monthly payments downward by {$120.00}, and a refund of the overpayments for XXXX up and until the monthly payments are corrected.
I am only complaining here because several months of efforts to resolve this with Amerihome have failed.
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| 11/29/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was placed on forbearance during the pandemic and on XX/XX/XXXX I called into the offices to get information on my forbearance ending and heard a recording if I wanted to make a trial payment. At the time was aware of the meaning or reason for a trail payment got thur to a Amerihome Mortgage representative and I proceeded to ask about the meaning of a trial payment. He asked if I had received the documents in the mail that I was to pay XXXX a month for three months. I replied I had never received a letter from Amerihome Mortgage regarding this. The agent asked would I accept a verbal agreement over the phone, I accepted on the payments were to start in XXXX, XXXX, XX/XX/2021 for the trail payment amount. I asked the representative could I make the first payment while we on the phone for the month of XXXX that day. I asked again is it ok to pay this now. I was placed on a brief hold he return and told me that was it ok to make the payment earlier than the schedule date. Made the payment and in XXXX made another payment and around the XXXX of XXXX I received a letter stating I missed a payment for XXXX. I immediately call and was told my trail payments started in XXXX not XXXX and my trail payment wasnt any longer available because I missed a payment. So I was told I had to submit a loss mitigation packet which they would send out.
I wasnt happy with this news so I requested to speak with a supervisor for Amerihome mortgage customer service. I explained the phone call to set up trail payments and the dates that I and the representative agreed to. I asked them to listen to the recorded phone message. I was asked to call back in 5-7 business days called back round the end of XXXX and was told by another customer service manager that the recording has been pulled and there was a mistake on there behalf regarding the starting date of the trail payments and would be shown I made the payment on time. I was told that 1or 2 things would happen add a additional 10years to my mortgage term or work out a repayment plan. Called again a few weeks later was aske to fill out a loss mitigation packet, I asked why and I was told thats the next step. I called to speak with another customer service manager and see assured me that I didnt need to do so and she had sent the loss mitigation department the info along with correct information to proceed to the next step of deciding of the 2 options. Call back and all this just disappeared I was told again to submit a loss mitigation packet. Did so 4 more time receiving documents from mortgage company that they received everything and there no need for any further documents and also go letter saying I was in underwriting. And this has been going on since XX/XX/2021. I submit a loss mitigation packet and they send a letter say received and no other information needed check back and it same thing over and over. So Ive to this day submitted 6 Loss mitigation packets..
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| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a statement dated XX/XX/2020 indicating that I have an escrow shortage of {$7200.00}. This is an error, because my servicer mistakenly paid my property taxes twice. On XX/XX/2020 they made a disbursement for " City/County/School/Utility '' taxes of {$6900.00}. And on XX/XX/2020 there was an additional escrow disbursement of {$6900.00}, triggering a negative escrow balance. Please see the uploaded attachment ( with word " documentation '' in file name ) for evidence of this double payment.
On XX/XX/2020 I reached out to my servicer via their online messaging portal to inform them of the error and ask that they fix it. On XX/XX/2020 I received a response informing me that they are waiting for the City to issue a tax refund. A copy of that communication is attached.
On XX/XX/2020 I noticed that the servicer still had not corrected the issue, and in fact, they had increased my monthly mortgage payment ( effective with the XX/XX/2020 payment ) by about {$500.00} to begin chipping away at the alleged escrow deficiency. I contacted them on that day via their online portal to ask a representative to speak with me. A copy of that communication is attached. A representative contacted me by phone on XX/XX/2020. The servicer acknowledged the error but informed me that an escrow deficit will remain until they are credited back the payment by the City.
Unfortunately, the City of XXXX 's Department of Revenue is closed because of the Coronavirus crisis, so presumably no payment is coming. I insisted to the servicer that this is their error and therefore I should not have to make a higher monthly payment. However, the servicer representative insisted that the company was unwilling and unable to credit my escrow account by the amount they had overpaid, insisting that they wait for the City to reimburse, and in the meantime treating this as a deficient escrow account.
After speaking to her manager, the representative informed me that she was authorized to accept a partial payment for my mortgage, and that I could proceed with that partial payment. I requested that I receive a written notice indicating that I was allowed to make that partial payment and that it would not impact my credit report or my loan payment status. The representative agreed that a document would be provided and posted within a day or so. That was on XX/XX/2020. It is not XX/XX/2020, and no such documentation has been posted, and my minimum payment online still is reflected as about {$500.00} more than I should owe.
I think it is egregious that the servicer has increased my monthly payment as a result of their own error. They have not been sufficiently responsive to help me work through this. I understand that this is a very challenging time for mortgage servicers, but it is unacceptable to expect a borrower to to pay additional funds to mitigate the servicer 's own error.
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| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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this is a continuation of complaint XXXX as it has not been attempted to be resolved as the mortgage company is stating it is. They have yet to accept my bank bill pay certified checks that were sent to them in XX/XX/2019 in the amount of {$XXXX and another in the same amount in XXXX of XXXX or send them back. They claim they have never received them, however they sent a refund check to the rental house in XXXX along with all the other communications. I finally located the 2 personal checks they returned to the rental house as well as one refund check from Amerihome for one of the checks they claim they never received.
I have made several attempts to contact this company, Amerihome. after 30-40 minutes on hold I have spoken to several different people at the company with no results. 1st I asked for bank certified checks to be refunded to me or be applied to my loan. They don't have them. However they sent one refund check for one 'they never received ' however since they mailed it to the wrong address I didn't get it before it expired. I sent them my bank statements showing that both were taken from my account. They requested that the bank bill pay company prove that the certified checks were cashed. I contacted the bank bill pay company and was told that the checks are sent as a whole payment from all their customers to their bank at XXXX XXXX and can't be shown as an individual check. Most companies accept the bank statements but not Amerihome. The bill pay company attempted to reach out to Amerihome but they refused to speak with them. I contacted Amerihome, waited on hold for the typical 30 minutes. They stated they won't talk to them without my approval first. So I asked them to hold while I have them on the phone so I can contact the bill pay company and conference them together, but Amerihome hung up on us. They have been rude and have no motive to clear this issue up as they have my money and have my house too.
I have tried to get this mortgage back in good standings. Amerihome tells me to contact the foreclosure law firm, which I did. They told me if I want to get in bank in good terms I need to talk to Amerihome. I explained that they told me to contact their law firm. The law firm told me they get this all the time from Amerihome but have to send them back to Amerihome to litigate the loan. I called amerihome back and tell them I want to litigate the loan to get it back in good standings. Again after the 30 minute hold time I am told that they can not work with me I must contact the law firm! So where do I go from here? I feel amerihome has a scam going here that they can refuse your payments, not tell you about it and then foreclose on your home stealing the payments you sent them. Something should be done about the scam of a " mortgage '' company.
I need help to get this matter cleared up as amerihome is not motivated to do so.
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| 09/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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AmeriHome Mortgage ( who assumed our original loan ) at the beginning of XX/XX/XXXX has breached their fiduciary duty to us by not protecting our personal financial information and causing us to be defrauded of {$2500.00} at the time of this complaint ( XX/XX/XXXX ) and exposing us to unknown future repercussions of identity theft.
On XX/XX/XXXX we were notified by our bank, XXXX XXXX, of fraudulent charges within a savings account we use for college for our children. There were multiple ACH direct debit transactions totaling {$2500.00}. There are no checks or debits cards related to this account, so we were perplexed as to how someone gained access to it as they would need very sensitive information such as SSN and DOB.
Upon review of the charges, the name XXXX XXXX ( AKA XXXX XXXX, DOB XXXX ), is listed multiple times on our statement for these fraudulent charges. A quick search returned this name to AmeriHome, which is our mortgage company ( our loan was sold to them in the last 8 weeks ). From her own XXXX Profile, XXXX XXXX lists herself as a Loan Review Specialist at AmeriHome XX/XX/XXXX to the present and she obviously had access to our data.
The following are the fraudulent transactions to date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { The charge to XXXX XXXX paid for rent, and it leads to an XXXX complex with an address associated with XXXX XXXX in XXXX, TX -- XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX at XXXX XXXX }.
XX/XX/XXXX -1 * XXXX XXXX Ch XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXXL XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX { the XXXX and XXXX were test deposits from XXXX that she initiated to link OUR bank account to HER XXXX account, in an effort to defraud us. In order to do this, she has illegally gained access into our bank account. } In essence, we trusted our mortgage company, AmeriHome with our confidential personal information and they have breached their fiduciary duty to us by allowing this fraud to occur. Whether it by sloppy hiring practices or improper computer encryptions for sensitive data, our SSN and all our personal information has been compromised indefinitely and the longstanding repercussion of this identity fraud is unknown. Every online review of this company leads me to believe their unscrupulous practices should be looked into carefully. We can not and will not do business with such a company and will be retaining a lawyer if we can not get swift and proper remediation.
AmeriHome was negligent in protecting us, their customer. We are so discouraged that the one place that was supposed to protect our information ended up being the same place it became compromised.
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| 01/04/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My spouse and I have had a VA mortgage with Amerihome since XXXX. We were listed as Joint Tenants on the deed. In XXXX of XXXX, my spouse passed away. In XXXX of XXXX, I refinanced the loan with another mortgage lender to remove my deceased spouses name from the deed and the loan. I paid the loan in full in XXXX of XXXX. There was an overpayment in the amount of {$5400.00}. I have been trying to recoup that amount since XXXX of XXXX. They sent me the balance in my husbands name in XXXX and I called and requested it be sent in my name since he was deceased and I could not cash it. They said they would. They then sent me the same check again in my deceased husbands name. I again called and said I needed it in my name, I could not cash a check made out to my deceased husband. They said they needed to make me successor on interest on the loan to make the check payable to me. I asked if we could start that process and asked for the documents needed. They requested my spouses death certificate, my ID, and a letter from the court. I submitted my spouses death certificate, my drivers license, and a letter from his estate naming me as the administratix. Later, they sent me a check made out to The Estate of XXXX XXXX. I called again and stated that his estate had been closed in XXXX and I could not cash the check and said I needed it in my name. They said they needed to make me successor of interest. I said I had already spoken to them about that and done what they asked. They said they didnt have enough documentation and the letter from the court wasnt sufficient, although I verified with the court and a real estate attorney that the document I submitted was the correct document to add my as successor of interest. At this point, I have called them every month since XX/XX/XXXX, and it is now XXXX. Every time I call im either told, the check is coming, or they dont have what they need and I will be asked for something new that was never requested prior. In XXXX they requested the current deed to the home to show I am the owner. I sent them - the Affadavit - Death of Joint Tenant ( by surviving spouse ) and the current Grant of Deed showing me as the new owner. I called on XX/XX/XXXX and the man I spoke with said they had everything they needed and I would be added and the check sent out. I just received a letter in the mail today, XX/XX/XXXX, stating they need the old deed showing us as joint tenants. I called and they are saying they can not add me as successor without that deed, although that has never been asked of me until now, they had possession of that deed the entire time they were the lender for the property, and they have the affidavit documents showing that we were indeed joint tenants and the property was transferred to me. At this point, I dont know what to do. It genuinely seems as if they are TRYING not to return my money. Please help.
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| 12/04/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hello my name is XXXX XXXX. I have a current FHA loan with Amerihome mortgage ( the mortgage company ) loan number XXXX. Do to the Pandemic of Covid-19 I applied for a forbearance in XX/XX/XXXX. I was told that I was approved by the mortgage company and was allowed three months. I called the Mortgage company because I wanted to get a better understanding of how the process of a forbearance works. I was told by the representative that once my three months are up my payments will be sent to the back of my loan, which is called a partial payment plain.
In XX/XX/XXXX I started receiving calls from the mortgage company stating that i was 30 days late on my mortgage. I spoke to many representatives of the company and i was told that it was an auto dialer and they can not stop the calls. I was told not to worry because they are aware of my forbearance and nothing will happen to my mortgage. On XX/XX/2020 I received a Promissory Note in the mail from the mortgage company stating that i have to pay {$13000.00} to them. I called them and i was told that i needed to notarized the documentation i received and sent back via fax, or mail, so they can start the process of my Partial Claim Mortgage. I thought i was already approved so I was very confused. I still notarized the documentation and faxed to the mortgage company on XX/XX/2020. I called the mortgage company on XX/XX/2020 to verify that they have in fact received the Noticed Promissory Note. I was told by there representative that they are working on my loan and I was approved for the Partial Claim Mortgage and they DID receive my fax however they are back up do to Covid-19 and they will get back to me.
The phone calls from the mortgage company did not stop I was always in communication with them. On XX/XX/2020 i received a phone call from the mortgage company but i was told that i am in jeopardy of losing my home. I was told by the representative that they never received my promissory note. Next day I overnighted by certified mail the documentation to the mortgage company. I waited a week before calling them to verify receipt of my documentation. When i did call them the representative told me that they get the paperwork however the paperwork was sent late therefore i was denied the Partial Claim Mortgage. However, the representative told me that I will get other package in the mail within 7 to 10 business days. I have called the mortgage company everyday since, and still no package have come in the mail from. Today is XX/XX/2020 and I haven't received any documentation or package from the mortgage company. But everyday I get a phone call from them stating i am late. The mortgage company is now refusing to take any of my payments.
At this point I don't know what to do. i believe allot of my rights have been violated. My credit scored has been effected. And i am in fear of losing my home.
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| 10/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2018 I took a mortgage in the amount of {$660000.00} to buy a house in XXXX. The mortgage has been serviced by AmeriHome Mortgage, with loan number XXXX.
On XX/XX/2018 I made a special payment ( in addition to the regular monthly payment ) of {$38000.00}.
My intention and understanding when making that payment was to apply the entire amount toward principal reduction.
I later found out that instead of used for principal reduction, AmeriHome processed it as nine monthly payments. That meant that the principal amount of those payments was applied immediately ; the escrow amount was added to the escrow account ; and the interest amount ( which is most of that amount ) was held by AmeriHome.
Even though it processed it as nine monthly payments, AmeriHome continued to draft the monthly payments from my bank accounts.
That raises the question : what happens to the interest portion of the payment I made? I do not want AmeriHome to hold these funds ( apparently indefinitely since they kept drafting the monthly payments ) while I earn no interest on them.
I contacted AmeriHome and repeatedly asked what happens with those funds, but never got a clear answer ( see attached correspondence ).
In addition, on XX/XX/2018 XXXX XXXX XXXX, a AmeriHome representative, wrote to me in response to my inquiries that " If there are any additional funds in your escrow account when it is analyzed, a surplus check will be released and mailed to you. '' However, on XX/XX/2018 a county tax disbursement was made from the escrow account in the amount of {$2400.00}, leaving a balance of {$11000.00} in the escrow account ; however no surplus check was released to me.
After some back and forth, on XX/XX/2018, I requested that the payment be reversed and applied to principal ; this is exact language of my request : " On XX/XX/2018 I made an online payment of {$38000.00}.
Of that amount, {$7900.00} was applied to principal, {$22000.00} to interest, and {$7400.00} to escrow.
I would like the entire amount to go towards principal therefore, can you please apply additional {$30000.00} ( this is the combined amount applied towards interest and escrow ) to principal, effective XX/XX/2018. '' On XX/XX/2018 I received a reply from XXXX XXXX, an AmeriHome representative, saying : " Please be advised that we have submitted a request to have these funds reversed and applied to your principal per your request. Please allow 3-4 business days for this adjustment to be completed. '' That never happened.
On XX/XX/2018 I contacted AmeriHome again to ask why my request was not processed as promised ; I received no explanation, except stating that my payment was applied as nine monthly payments ; and that for further questions I should contact XXXX XXXX XXXX.
I request that this issue be taken care of before transferring loan servicing to XXXX XXXXXXXX XXXX.
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| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We took a mortgage loan for property XXXX XXXX XXXX XXXX NJ XXXX on XX/XX/XXXX, and paid upfront Mortgage Insurance for {$6900.00} to avoid Monthly PMI payments since we put a down payment of 5 %. The loan was closed by XXXX XXXX XXXX XXXX XXXX Loan Officer - XXXX XXXX NMLS ID XXXX but currently serviced by AmeriHome Mortgage Loan Account XXXX However, we refinanced our mortgage with a lower rate, and AmeriHome Mortgage Account # XXXX was fully paid on XX/XX/XXXX. Therefore, I contacted the AmeriHome Customer dept to issue a Partial Refund of upfront paid Mortgage Insurance - {$6900.00} since the loan was fully paid in 14 months ( less than two years ). The Customer Rep asked me to send a written request for a refund, which I did two times XX/XX/XXXX ref # XXXX & XX/XX/XXXX ref # XXXX using AmeriHome online Message Center and both times they dodged my written query and second time closed it with no response. So I filed a complaint with XXXX XXXX XXXX, Complaint # XXXX, after which Amerihome Custome Manager XXXX XXXX contacted me and assured refund would be issued within 60 days.
However, after a few weeks, Amerihome refused to issue a refund by saying that policy is non-refundable and asked to file an appeal with the XXXX customer dept. We were shocked to see the response as this was utterly cheating customer trust and causing significant financial loss without any of our faults. The policy details were never disclosed to us when closing the loan on XX/XX/XXXX ; neither did we sign any policy document showing it will be non-refundable.
The Mortgage Insurance policy from XXXX XXXX XXXX, XXXX Certificate # XXXX, was bought by Loan Officer XXXX XXXX. In fact, when I was trying to refinance my loan last year, I first contacted the same Loan Officer, XXXX XXXX. Even at that time, he mentioned the policy would be refunded after they processed my new refinance loan and ran my credit in the last week of XX/XX/XXXX. But we proceeded to refinance the loan with another lender since they offered a better rate.
As Amerihome Mortgage suggested, I sent an Appeal to the XXXX Customer dept via email on XX/XX/XXXX with all the details. Additionally, Loan Officer XXXX XXXX called me on XX/XX/XXXX, assuring a refund would be issued, when I confronted him on the call that you never disclosed policy terms or shared any policy documents during the closing.
At this point, we attempted multiple times to resolve this issue and getting no help either from the Lender or XXXX policy issuer. For reference, attached is the email thread with XXXX and Amerihome Mortgage. The lender never shared any policy details or documents with us during the loan closing, which is a violation of the financial transparency law, refusing to accept their responsibility. I humbly request to help my family suffering a significant financial loss without any of our faults.
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| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX and my wifes name is XXXX XXXX. We currently have a mortgage with AmeriHome Mortgage. In XXXX of XXXX we entered into forbearance under the CARES Act.
Beginning XX/XX/XXXX we began receiving weekly phone calls from Amerihome. Each call started with a statement that this was a call from a debt collector in an effort to collect a debt. The content of these calls was questions about income, expenses, when can we pay, how much can we pay and constant mention of default, foreclosure, deed in-lieu and short sale. At this same time we started to receive letters in the mail consisting of the same subject matter ... all of which amounted to scare tactics and threatening behavior.
In XXXX both of our credit scores were impacted due to Ameriprise reporting a balance increase, I assume due to interest.
In XXXX after making a mortgage payment I attempted to setup a repayment plan, however, the Amerihome representative told me that was not possible.
XX/XX/XXXX I spoke with a different representative from AmeriHome. During this conversation I was able to setup a repayment plan with AmeriHome. At the time the repayment plan was setup we owed {$5800.00} which represented payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To start the repayment process we had to pay 50 % ( {$2900.00} ) of the outstanding balance, which we paid at that time. The payment of {$2900.00} paid the XX/XX/XXXX payment and half of the XX/XX/XXXX payment. The remaining outstanding balance will be paid over a period of four ( 4 ) months with equal payments included with the monthly mortgage payment.
Today, my wife and I both received notifications of a significant decrease in our XXXX credit scores. My credit score reduction was 60 points and my wifes credit score reduction was 105 points. This reduction was a result of AmeriHome Mortgage reporting we are in default and 60-89 days past due.
Not only is the reported delinquency timing incorrect, it is also in violation of the CARES Act.
This item could be removed from our credit reports tomorrow but it will take years to gain back the points that were reduced, incorrectly, as the credit scoring system is flawed, as well know.
Our family is looking at a potential relocation due to career movement and we likely will be unable to purchase a new home in our new location or, if so, will be at significantly higher interest rate. We will be penalized and punished for this erroneous reporting and will have no recourse.
As a side note, no one asked for this pandemic nor its devastating results. If AmeriHome Mortgage is doing this to my family and me, I can only imagine how many others they are treating with scare tactics, threats of losing their homes and devastatingly erroneous credit reporting.
Thank you for your assistance ... I look forward to hearing from you.
XXXX XXXX XXXX XXXX
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| 05/17/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have owned the home for about a year now. When I bought the house there were no exemptions on the taxes. My mortgage payment is usually ~ {$1400.00} a month. In XXXX I was approved for my tax exemptions, XXXX veteran and homestead exemptions. I expected my mortgage to go down after sending the approval letter to AmeriHome Mortgage Co. ( My mortgage company ). The first letter I send just showed that I was approved for the exemptions and to my surprise, the mortgage company didn't know how to apply them to my account, so they closed out the request and never notified me of the resolution. However, I was never told they needed a breakdown of the estimated taxes for 2021. Long story short I finally figured that out. So I contacted the XXXX County tax assessment office and got an official breakdown of my exemptions for 2021. The award letter and the tax estimate breakdown documents are attached.
I was told that the escrow analysis would take about a week. Two weeks went by and still nothing. I was concerned because my mortgage payment was coming due on XX/XX/XXXX. I was then told that my mortgage payment wouldn't be considered late and that my credit wouldn't take a hit until the XX/XX/XXXX. So I called nearly everyday and sat on the phone for countless hours. I was told my analysis would be complete on the XXXX. I was also supposed to be contacted by a manager. None of these ever happened. My mortgage is now ~ {$1700.00} a month. I was also told that they can't do an escrow analysis based off of tax estimates?? That makes no sense, as escrow is an estimation until the taxes come out for the year in XXXX ...
Basically AmeriHome is very incompetent of servicing my mortgage. I have tried to explain the urgency of my situation and it falls on deaf ears.. ( see attached. ) Also I have been hung up on several times when asking for a manager. I'm told I'm being transferred and then click, they hang up..
As of today ( XX/XX/XXXX ) I have a payment scheduled for {$1700.00}. Now I am concerned my credit will show a late mortgage payment, destroying my perfect payment streak on all my bills. I don't believe this is my fault and I would like this not to show on my credit that I have worked so hard for.
I simply want an escrow analysis. I will eventually refinance when I can and get out from underneath this company. Also, I would like to add I am never contacted about anything I request. It's like I'm being ignored..
In addition, I am obviously not the only one having these issues.
P.s. They respond to me with wrong Loan Number as well ... .. Please let me know if anything else id needed to help paint the picture of my complaint. They were also at one point saying I had an escrow shortage .... See attached.
Thank you.
See their reviews here : https : XXXX ( Please see attached for all documentation and evidence. )
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| 04/05/2021 |
Yes |
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- Trouble during payment process
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Web |
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I initially called AmeriHome Mortgage Company in XX/XX/XXXX to inquire about how to submit proof of homeowner 's insurance and make a payment. At that time I found out the company no longer had my Homestead Exemption on file. This began the process of back and forth conversations which has led to my complaint today. I was able to confirm with XXXX XXXX that my Homestead Exemption paperwork was sent to XXXX in XXXX. I was able to resend the verification letter from XXXX XXXX to XXXX and confirmed they received it on XX/XX/XXXX, when I spoke with a rep on XX/XX/XXXX. However, I saw on the Amerihome website that an escrow analysis was ran and starting in XX/XX/XXXX, my mortgage amount was set to increase to {$1500.00} ( it is currently {$1400.00} ), The rep from Amerihome said to call back the following week, and by that time they should have my account updated, with the Homestead Exemption being accounted for. Rep also said a new escrow analysis would be ran showing the correct mortgage amount, which should be less than {$1400.00} or it would be the same. I called back the next week and no changes had been made, and the Homestead Exemption had not been updated on the records to reflect my mortgage payment amount. I requested to speak with a supervisor after reaching a rep name XXXX and she transferred me back into their call que. I called back and spoke with another rep named XXXX and she said she'd take my info and have a supervisor call me back. No one ever called me back. I called today and explained the situation to rep XXXX and asked for the names of management in the company. She said she couldn't provide last names and initially didn't want to give me anyone 's name but said XXXX was her supervisor. I asked for the person over their department and she said XXXX. I again asked for a supervisor, and XXXX also dropped my call back into their call que. I again called back and reached XXXX, who said there was a " work order '' to have another escrow analysis for my loan, but it wasn't going to be processed until XX/XX/XXXX. She confirmed the Homestead Exemption paperwork had been previously received, and she acknowledged that Amerihome had mailed me a statement showing my mortgage amount would be increasing, even though they now had proof of my Homestead exemption. She also acknowledged when I stated I had paid {$3000.00} to put into my escrow account to repay my homeowner 's insurance amount and an additional {$360.00} but they couldn't tell me why my mortgage was showing on their website as {$1500.00} starting XX/XX/XXXX. I told her that I would be filling a complaint because Amerihome is refusing to process my Homestead Exemption. I have paid taxes each year since closing on my home in XXXX, even though I should have Homestead exemption. My mortgage amount has increased each year as well.
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| 10/23/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I ran into a finacial hardship and attempted to submit an application to my mortgage company for their hardship assistance program. When I first spoke with the mortgage company, I was advised that the process would take 30 days to review my application after it was recieved. I was also told that I would not occur any late fees while the application was being revewed.
After I initially submitted my application in XX/XX/XXXX, I recieved a letter stating that more documantation was needed for my application. I faxed in several supporting documents including my pay subs, my HOA agreement, and other supporting documents. In XX/XX/XXXX, I received a letter stating that my application had expired since I did not responed with the needed documents within 30 days. I resubmited the entire application along with all of the supporting documents. On XX/XX/XXXX, I recieved a letter stating that my appliction was denied becasue I never sumbmitted my HOA agreement ( which was previously sent in twice ). The letter was dated XX/XX/XXXX and gave a deadline of XX/XX/XXXX to have the documents returned. No comunication was made in regards to this needed documantation besides the letter I recieved in the mail on XX/XX/XXXX. I called into the office of the president as soon as I got the letter, and was told that my application had been denied since I did not get the documents in before the deadline, but as a courtesy they were wiling to reopen the application. I resubmitted my HOA agreement the next day. I received a phone call on XX/XX/XXXX stating that underwritting would not accept my application since the HOA documents did not contain the monthly due amount. After reviewing the document with the agent on the phone I was able to point out that the documents did in fact have the due amount listed on the document.
At this point I was told that they would follow up with underwritting. I recieved a phone call on XX/XX/XXXX stating that they were unable to process my application again. This time I was told that although they were able to reverse their decision on my HOA documents, now all of my pay stubs and bank statments were too old and I needed to resubmit current documents. I was told after I resubmitted these docments it would take another 30 days to review my application.
Durning this applicatoin process my wife and I were unable to move foward and develop a plan to bring the account current since we were waiting on the outcome of our assistance request. Although the mortgage company admitted that they told us that we would not get charged any late fees while we going through the application process, they advised us that in fact they had been charging us fees the entire time. The mortgage company admitted to their mistake and waived 1 months worht of late fees
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| 03/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We purchased a home and obtained a mortgage in XX/XX/2020 through the XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The loan was sold immediately to AmeriHome Mortgage Company. We had been informed by the Credit Union that we could apply for a recast on our loan after a principal loan curtailment. We started the process by contacting AmeriHome Customer Service in XXXX or XXXX of 2020. We were given instructions to send an email to XXXX. We emailed them on XX/XX/2020, XX/XX/2020 and XX/XX/2020. We never heard back after either of the emails we sent. Customer Service told us that we would NOT get an email from them, we needed to wait on something to arrive via mail. We were also told that we could not call them directly and that even the Customer Service department could not reach them directly. So, there is absolutely no way for us ( or anyone at AmeriHome for that matter ) to communicate with the Recast unit! Our only resort is to sit, wait, and wait, and wait, and HOPE that someone received our stuff and are working on resolving it.
So far, we have received one letter from the Modifications unit. That was in XXXX. The letter came in the mail. It contained instructions on how to pay down the principal in order to be considered for the recast. We submitted a wire with our payment. It has been received. We saw the principal amount go down on our statement, so we do know they received the payment. Now we have been waiting since XXXX to receive the actual agreement in order to finalize the recast application and modify down our monthly payments. We have been told that something was emailed at the end of XXXX, we have looked for the email but have not found anything.
We have been on the phone with Customer Service multiple times, ad nauseum! We have waisted hours and hours trying to get some help only to be told that there is nothing customer service or we could do! This has been extremely infuriating. Honestly, it has been a disaster! This is the 4th home we have purchased in the last 20 years and we have never, ever had such a difficult time with a mortgage company as AmeriHome! Not only that we can not read out to a department directly, but if we ask to speak with a supervisor in the Customer Service department, we are told they can not even transfer us to a supervisor ... We are told that they would need to place a request and that we would be called back in several hours or days! The last two times I asked for speak with a supervisor, no one called me back. No one!!!
This has been an awful experience! I am at a point where I feel cheated by the initial lender even ... How dare they get a sale from us only to turn around and hand us over to such a bad lender?! First time to file a complaint with CFPB and I hope I never have to do this ever again.
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| 01/31/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have an issue with the AmeriHome Mortgage Company XXXX # XXXX. I have a VA loan with them. This is not my first or only mortgage, but by far the worst customer experience.
On XX/XX/XXXX, the bank made a {$8600.00} payment for my taxes that required an escrow advance from the bank of {$480.00}. My mortgage payment was immediately adjusted to {$2400.00} to make up the shortage. On XX/XX/XXXX, I made a {$700.00} escrow Only payment to cover the deficiency in the account. I called the bank on XX/XX/XXXX when I noticed the payment didn't register and my monthly payment amount wasn't adjusted down. I was told that a ticket was submitted and the amount would be adjusted. I was also told that this bank doesn't allow for extra payments towards escrow and that a refund would be issued if the amount was down. After a week I noticed nothing was changed. On Amerihomes website, there is a secure messaging center. Those persons were nothing short of rude. First message was XX/XX/XXXX, I got a response on XX/XX/XXXX First I was speaking to a XXXX XXXX - who when I attached screenshots in the secure message from their website I was messaging from. she accused me of using the wrong website ( which made no sense as you can only message in the secure center through their website ). I responded on XX/XX/XXXX, didn't hear back until XX/XX/XXXX. Then she said I didn't make a payment without even checking. When I called, they clearly saw the payment, when I informed her and sent a screenshot, she kept claiming to not see it. When I asked for a supervisor she sent me to a coworker on XX/XX/XXXX XXXX XXXX XXXX. This person was even worse asking for a screenshot in XXXX XXXX. I refused and responded that it was ridiculous, the payment is on file and the customer service can see the payment. I sent this message the same day XX/XX/XXXX. I have now been passed to another representative in the same secure message XXXX XXXX who responded on XX/XX/XXXX and is stating that now she sees the {$700.00} payment on XXXX XX/XX/XXXX. The shortage was only {$480.00}. However now she is saying my escrow must be at {$1600.00} at all times. My payment in XXXX will put another {$720.00} in escrow. So there will be extra at the end. This is a constant back and forth and the information has been conflicting. When I called on XX/XX/XXXX I was told by a XXXX, that she fixed it and my amount is being adjusted. Now they are saying it is still short. That is incorrect and unreasonable. This bank has been unprofessional and nonresponsive for days. It is now over a month and this hasn't been rectified. Just want people to know what they are getting into and I want this resolved. No policies were provided at all. This is a VA loan, they can't just change things how they see fit.
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| 01/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased my home in XXXX XXXX using a mortgage broker ( XXXX XXXX XXXX XXXX ). Shortly after they sold my loan to AmeriHome Mortgage Company , LLC who would be financing my loan. The loan type is Fixed Rate - 30 Year.
Concern 1 : My escrow shortage does n't look accurate Concern 2 : My monthly payment is going up almost 7 % and I can not afford the new rate Concern 3 : After escalating the issue internally at AmeriHome - they will no longer discuss my issue with me, nor will they return my e-mails or phone calls.
XXXX XXXX I received a letter from AmeriHome stating my escrow shortage was {$3100.00} & my new monthly payment amount would also increase $ XXXX ; or I could not pay the shortage and my new payment amount would go up {$360.00}. I had a concern about where about {$1200.00} of this shortage was derived.
On XXXX/XXXX/XXXX I reached out to AmeriHome to discuss the shortage and where the numbers were coming from, only getting the response that " its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor, at which time I was put in contact with XXXX. At this point, all I was trying to do was pay the shortage and overfund my escrow account to keep my payment amounts the same and I was informed that it is IMPOSSIBLE for them to do that, even though I can not afford the increase stating if they get audited they 'll get in trouble. With proper documentation - they should easily be able to explain that to an auditor. Since I was n't getting the resolution I needed, I asked for the next escalation point, at which time I was told to contact XXXXXXXXXXXX with the subject line " Office of the President ''. I did so on the same day requesting a call back. I followed up via e-mail on the XXXX, XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, as well as by phone on XXXX. The last phone call I had with a customer service rep on XXXX - I expressed my concerns w/ the lack of response from the " Office of the President '' and let me know the supervisors would no longer discuss my concern with me because the issue has been escalated to the " Office of the President. '' My last correspondence with AmeriHome on XXXX was via e-mail letting them know if they can not get back with me by COB XXXX/XXXX/XXXX I would seek other escalation points.
I need help. If this is not the right avenue for escalation, maybe you can point me in the direction of someone who can help? I am trying to pay the company, but I just want to have a conversation with someone from their company that can provide sound explanation for their claims and work with me to keep me from having to sell my home because I can not afford the new monthly payment.
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| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, my loan servicer Amerihome Mortgage ( XXXX XXXX XXXX, XXXX, NJ XXXX, tel : XXXX ) performed Annual Escrow Account analysis on XX/XX/XXXX. The analysis states " Your Projected Escrow Account Balance as of XX/XX/XXXX is {$2500.00}. Your Required Beginning Escrow Balance according to this analysis should be {$3000.00}. This means you have a Shortage of {$510.00} '' Amerihome also provided a table with their calculations, which show how they determined that the balance is projected to be {$2500.00} on XX/XX/XXXX. Since the analysis was done ( and the report was generated ) on XX/XX/XXXX, the table contained an estimated payment Amerihome expected to receive from me in XX/XX/XXXX. Nevertheless, the table was missing the estimated amount for XX/XX/XXXX, since my XXXX payment was done on time after XX/XX/XXXX. Had Amerihome included the estimated amount for XX/XX/XXXX ( {$640.00} ), the projected amount for XX/XX/XXXX would have exceed the required balance and there would have been no shortage.
On XX/XX/XXXX, I called Amerihome and explained the problem as I described above. The representative created a ticket and promised that I would receive the result of the review of their calculations no later than XX/XX/XXXX in my email.
On XX/XX/XXXX, having received no email, I called Amerihome to ask for the status of my ticket. The representative said that the review was performed and that they believe that their calculations are correct. He stated that I would not receive anything in the email showing the results of their processing of the ticket created per my report on XX/XX/XXXX. The representative could not explain why missing a payment for XX/XX/XXXX ( either actual or estimated, as in XX/XX/XXXX ) is a proper projection method. Instead, he offered printouts of past payments and escrow account balances, even though they are irrelevant to the projection techniques that Amerihome employs. Thus, unfortunately, I was unable to resolve the issue with the Amerihome.
The issue with the projection method in Amerihome reported above became even more difficult to resolve because Amerihome suddenly notified me about my loan transfer to another servicer, which will honor Amerihome 's questionable calculations, with no knowledge or responsibility for wrong calculations. Specifically : On XX/XX/XXXX I received " Notice of Servicing Transfer '' from Amerihome in mail. The letter indicated that it was generated on XX/XX/XXXX. The new Servicer will be XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel : XXXX ). Both Amerihome and the new servicer confirmed that they are expecting my loan to be transferred on XX/XX/XXXX, and that the new processor will honor the questionable calculation done by Amerihome.
Thank you!
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| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My name is XXXX XXXX. I have a home loan that originated in in XX/XX/XXXX with XXXX XXXX XXXX, it was quickly sold to Amerihome, ( loan XXXX ) for 12 months, then sold to XXXX XXXX, ( loan XXXX. On XX/XX/XXXX, I received an Escrow Act Disc Statement that our new payment going up $ XXXX!
After doing my due diligence & speaking to all of the companies, XXXX at Amerihome suggested I escalate my complaint after he was unable to answer my questions because, as he stated, " our loan was purged from Amerihome already. '' His coworker XXXX actually said to me today, " this was something that should have been delt with six-months ago. '' I am not getting anywhere speaking to these institutions, they all blame one another for the mishap. I was told by XXXX XXXX that the reason for the increase was my insurance went up, ( it went down actually ), I was told our taxes went up, ( they did by {$1.00} ), I was told our house was reassessed, ( it was new construction and has not changed since XXXX per the XXXX XXXX XXXX XXXX Website ). Every time I call, they make up another excuse. NO ONE WILL HELP ME! Here are my questions : 1. Please look at the Annual Escrow Act Disclosure Statement from Amerihome.
a. Our address is incorrect : the physical addr is : XXXX XXXX XXXX XXXX, XXXX XXXX, they have it as, XXXX XXXX XXXX XXXX.
b. On this Disclosure, look at the ESC Refund, why was any escrow amount refunded? The amount on this disclosure is incorrect, the amount refunded was actually, {$1500.00} & my husband deposited it into our checking account not knowing what it was. Where is the other part of the supposed refund? Amerihome shows a refund of {$3600.00}.
2. Look at XXXX XXXX for XXXX and XXXX of XXXX. I am the insurance agent for this property, XXXX XXXX is the company. Why are there two deductions for insurance? ( One for {$4800.00} and {$2900.00} )?
a. Could this possibly be for 'Force Placed Insurance ' as well as my home insurance policy with XXXX XXXX?
No one can look back that far with Amerihome because they say the loan is purged, sold and void and I they have no access to help me but that I may FAX in my documents for review.
XXXX. Why all of the sudden is this an issue and why was it not addressed when the issue came up? Why were we not notified about a discrepancy in the escrow balance?
4. Where it says ESC Refund {$3600.00}, where did that money go? We did not receive this amount as stated before, we received a check for {$1500.00}. Who has the rest of it? Is this possibly the county or the city taxes?
5. The escrow detail says we paid in {$4100.00} but they paid out {$7800.00}, and that is a difference of {$3600.00}.
The additional amount they are asking for due to their mix-up is postpositions!
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| 11/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Re : REFINANCE LOAN WRONGFULLY DENIED Dear Commission on Real Estate & Loans : As a citizen of the United States and a Tax Payer and as a Person with integrity and good Personal Credit History I would like to bring to your attention a wrongful denial for an Application to Refinance an Existing Loan from a higher interest rate to a Lower interest rate.
On XX/XX/2016 I received a letter denying the application for a home refinance loan from my ( now former ) mortgage holder, Amerihome Mortgage, LOAN # XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; Ph XXXX. The letter explained the reasons for the denial were that, ( a ) not enough income was generated and ( b ) income could not be verified. This letter had a very upsetting tone because, # 1 It came after 3 ( three ) months of no contact from the lender ; # 2 the lender did not inform me promptly of the situation at hand ; # 3 did not make any attempt to clarify the situation of the income or of any other information the loan might additionally need.
# 4 it was a waste of time waiting for a response, time that could have been used to find a more capable lender to serve me.
Points to be made here are : ( a ) the refinance loan process with Amerihome Mortgage started XX/XX/2016 when the application was signed ; ( b ) the denial letter was sent on XX/XX/2016. There is a gap of three and a half ( 3.5 ) months that we were kept waiting for something that was to be denied anyway.
On XX/XX/2016 I inquired and started the same application process for a home refinance loan with XXXX, and to my pleasant surprise the whole process took only a month and IT WAS APPROVED!
Therefore, I am writing this letter hoping to bring to your attention that some lending companies are incompetent. These lenders are wrongfully accusing people of not having enough income or not being able to verify their income. In my opinion, this a discriminatory practice set in place to be able to protect the interest of Amerihome Mortgage, and to forcefully keep their clients paying higher interest rates. During the application process with Amerihome Mortgage I felt intimidated and belittled. I felt intimidated because they were not returning my calls, they were ignoring my messages and they kept on promising that the loan has been approved, but the underwriter is still missing/looking for documents.
I felt belittled, because the letter that was sent denying the loan made me despair and loose all hope that I could ever refinance to a lower interest rate. It also made me feel incompetent that although I work hard, I have higher education and I am currently employed, I could never make enough income to prove that I could live the American Dream of owning a home.
Thank you for your understanding.
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| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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called Amerihome last month XXXX and made a payment for XXXX to pay for at least the mortgage. They sent me a check back and reported to the credit bureau that XXXX 30 days late. I called Amerihome Mortgage today, XX/XX/2023 and they ( customer service ) told me they couldnt do an escrow spread because I have a past due balance for XXXX and XXXX and they couldnt do anything until it was paid. Customer service sent me to a loan XXXX, I explained what was going on and his suggestion was to do some financial hardship thing where they take what I owe and tack it on the end of the loan. I really dont want to do that considering XXXX only owe the taxes once because my husband is exempt. The loan XXXX asked if I could pay both XXXX and XXXX mortgage payment, said yes I could, then they said well youre only X amount away from the full amount, is there anyway you could come up with the amount. I explained to the loan XXXX that it wasnt possible. Amerihome Mortgage offers the option to send in a written request to take off any extra payments like taxes, I wrote two separate written requests, one in XXXX and one the beginning of XXXX. The first request was denied because they said I didnt have homeowners insurance, fixed that. Then the second request was denied because I have a past due balance on the account. I expressed to them that I felt like all the systems they have in place to help me, arent helping me.
The reason I owe back taxes is because when we were doing the paperwork and buying the house the loan XXXX at XXXX XXXX reassured us time and time again about the property taxes and we made sure they understood what we were talking about. Come to find out there was somehow a miscommunication that the loan XXXX admits he messed up on and now we owe back taxes. He was the senior loan XXXX and he admitted he made a mistake and told us theres nothing he can do.
My husband has filed all necessary paperwork with the exemption and we were trying to get the taxes removed from our mortgage so we could pay it off in smaller chunks. When I call to talk to them its like theyre saying, Im sorry you have a financial hardship that we started, stop being poor and pay us. Because they arent willing to work with us and Ive explained we wont have property taxes ever again. The only reason this is creating a hard ship is because the payment went up almost XXXX dollars more and they refuse to give us a normal payment.
I appreciate you contacting me and trying to resolve this issue. I am definitely able to talk over the phone about any more questions you may have.
Amerihome Mortgage is not working with me to pay even just the mortgage payment. The letter for the returned check says as requested but it wasnt.
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| 03/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Amerihome mortgage reported that I paid more than 30 days late for the month of XXXX. I believe this is incorrect. The late payments were caused by an increase in escrow payments which I was not aware of because Amerihome did not provide me with an escrow analysis as required by CFR 1024.17. After speaking with an agent on XX/XX/2020, it was determined that my address in the system was incorrect. By the time of my phone call, I made payments of {$660.00} on XX/XX/2020 and XX/XX/2020.
According to the agent, only {$660.00} remained the suspense account because Amerihome sent the {$660.00} made in XXXX back to me [ company policy is short payments held greater than 5 days will be sent back to borrower. ] However, this payment was returned to Amerihome because the address was incorrect, which I believe corroborates the fact that I did not receive an escrow analysis. I asked the agent if he could apply both payments to the loan in order to make it current. He could not but requested that they be applied.
I called again on or about XX/XX/2020 and spoke to an agent who said they would allow me apply both payments to the loan, but I would need to pay the an additional {$120.00} to cover the escrow shortage make the account current. I paid the amount as requested. However, I received a call from Amerihome on or about XXXX XXXX that the account was still delinquent. I immediately paid {$780.00} as requested and was told that they XXXX payment in the suspense account was mailed to me on XX/XX/2020. As of the date of this dispute, I have not received any refund from Amerihome.
The payment made in XXXX has been held by Amerihome since XXXX XXXX. After it was returned to them, it should have been applied back to the suspense account and my account should have been credited on XX/XX/2020 when a full payment was received as required by 12 C.F.R. 1026.41. Keeping a customers money for a month without credit to his account is unacceptable.
Also, it is important to note that the new payment of {$780.00} required by the escrow analysis was to start in XXXX. However, I paid the previously required amount of {$660.00} in XXXX and XXXX, and my account was not deemed to be short. No Amerihome agent could explain why it was considered short in XXXX.
The facts above can easily be corroborated as the phone calls between myself and the agents were recorded, and they have my payment history. Given the circumstances of all that transpired, it is not unreasonable to have the late payment removed from my credit report and the late fee removed from my account. I have paid consistently since the inception of the loan, and I would have paid the new amount if I had received the escrow analysis as required.
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| 02/07/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.
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| 02/23/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been in contact with my loan servicer almost weekly since XX/XX/XXXX till now to try to get them to respond to a request for information on my account from the state homeowners assistance program ( TX HAF ). I applied for homeowners assistance on XX/XX/XXXX and since then the program administrator has made multiple attempts to get the requested data from Amerihome mortgage in order to complete processing my request for assistance. Texas homeowners assistance program has stated on multiple occassions when I have called them to get an update on my case that Amerihome has been unreponsive and has failed to provide the V-lookup record as requested. I have called Amerihome mortgage on multiple occassions and the customer service agents always give the response that Amerihome mortgage has sent the requested data, but the state HAF program does not show that any such action has been taken. The HAF program has gone to the extent of escalating the case to managers on their side to try to get a resolution, but the loan servicer has continued to withhold the requested information. Consequently, my case with Texas Homeowner Assistance was denied on was denied on XX/XX/XXXX due to " Loan Servicer Not Responding ''.
After the denial of my case I sent a written request to Amerihome mortgage on XX/XX/XXXX asking for documentation and proof that they had provided the requested information to the state homeowners assistance program. As per their agents and website, Amerihome would provide a response to my request for this documentation within 10 days, but to date I am yet to receive a response. When I call their customer service department I am simply told that they will document my account, but they can not provide information on when I should expect a response to my request. Amerihome mortgage seems to be knowingly and willfully withholding the information requested from the state homeowners assistance program even though they claim to work with HAF. I have not received any response for a phone call or email from the HAF department at Amerihome mortgage and am at risk of having my appeal denied again due to the non-response from Amerihome mortgage.
This situation is causing immense stress and financial hardship to me and I am at risk of losing my home due to the loan servicer 's negligence. Despite multiple attempts to contact the loan servicer, they have not responded to the TX HAF 's inquiries.
I urge the Consumer Protection Financial Services Bureau to investigate this matter and hold the loan servicer accountable for their actions. My home and financial stability are at stake, and it is unacceptable for the loan servicer to ignore the TX HAF 's inquiries.
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| 12/28/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.
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| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The problem now, is now the mortgaging servicing company.
( XXXX XXXX ) Husband and wife requested a conforming 15-yr conventional non-cash out re-fi with XXXX XXXX XXXX ( dba : XXXX XXXX. ) which was processed and subsequently recorded in XXXX XXXX ( AZ ) on XX/XX/2021. We have a complicating issue as the first portion of the loan process triggered this issue with AmeriHome Mrtg. ( AHM ) servicing. To summarize : our loan application has one spouse as the borrower, no co-borrower and the property being placed into our Rev. Trust on recording the deed. XXXX title instructions to XXXX XXXX were in error as they had both parties on the note despite not having a co-borrower listed in the app. I did not catch the error at signing but did confirm the error with an officer of XXXX afterwards. This was an error but one that we can live with and not worth un-doing the note.
The problem and complaint now is, AHM of XXXX NJ purchased the servicing portion of the loan 30-60 days hence, and subsequently placed an internet ( account ) block on the account. We are not able to see any loan detail beyond the monthly statements. I contacted AHM with in 60 days of the loan closing as we began receiving correspondence etc.. I called and requested online access; was told that a ticket would go in and to give it a couple days. I didn't follow up at that time as we were receiving statements, our payments were being received, and frankly busy with the holiday 's. This month, I called the service number ( XXXX ) on the XXXX as online access is still blocked... the CS agent said to give it 48 hours and she would request access etc. I followed up with AHM 's chat line on the XXXX after another phone call ... a XXXX @ XXXX XXXX stated that the company was looking for a XXXX from the co-borrower. After a phone conversation and two lengthy chat sessions with AHM on the 13th, and faxing of the requested document... I was told to wait and it would clear by Tuesday the XXXX. I logged in today and the block is still in effect ; I contacted AHM via chat ( XXXX at XXXX am PST ) and she has no idea. Reviewed the notes, asked if I had sent it to the correct fax number ... which I confirmed and copied the fax confirmation data to her. I asked for her to elevate my request so that the block could be lifted... the line was terminated on her end. Good grief.
I am having difficulty getting anyone at AHM that knows what the process is and will help me get the access to our loan information ; their back office is rotten. I would appreciate if CFPB would lodge a consumer complaint against AHM as I can't be the only consumer having servicing problems with them.
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| 02/07/2020 |
Yes |
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- Trouble during payment process
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Web |
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1. XX/XX/XXXX Phone payment made to amerihome mortgage with payment followed by a received confirmation for payment to be processed XX/XX/XXXX. [ XXXX ] ( view attached ). Notified by XXXX via statement ( XX/XX/XXXX statement date ) that payment bounced on XX/XX/XXXX.
2. XX/XX/XXXX received loan statement assessing a late fee of XXXX in addition to XXXX, totaling XXXX.
3. We were going through a period of forbearance* effective XX/XX/XXXX. Reason for forbearance : Father in critical condition and was admitted to XXXX care. Additionally, sister was diagnosed with XXXX XXXX XXXX and had to make frequent visits to XXXX XXXX for treatment.
a ) As of XX/XX/XXXX, father passed away. ( view attached : XXXX funeral doc. AttachedDeath cert. available upon request. ) b ) ( Sister ) was still undergoing treatment at XXXX XXXX *if information is needed able to provide 4. XX/XX/XXXX ( Monday ) We prepared and issued a cashiers check in the amt : XXXX which was confirmed as received by Amerihome Mtg. bringing the account up to date with XXXX remaining on the balance.
5. Sometime beginning XX/XX/XXXX we were issued mishap reversal refund of XXXX, reducing our XXXX payment on the balanceeffectively delaying the delinquent situation further in which we concluded that Amerihome Mtg. was insisting that the whole payment of XXXX or no payment ( will reference this in their claim about offering a reprieve had we contacted them. ) 6. Due to the mishap reversal refund, we made a money order payment of XXXX on XX/XX/XXXX with the intent to clear both the XXXX refund and the XXXX remaining balance.
7. we received a statement dated XX/XX/XXXX from Amerihome Mtg . on XX/XX/XXXX ( Thursday ) stating we had a balance of XXXX XXXX. XX/XX/XXXX received letter from amerihome letter date XX/XX/XXXX that they have made multiple attempt to reach us and referring our loan to a foreclosure review committee 9. XX/XX/XXXX contacted amerihome spoke with Mrs XXXX. She notified us as of this morning they have sent our loan over to the attorney for foreclosure. They did not receive payment of XXXX that was sent via money order. Was instructed to call back by XX/XX/XXXX so we can know how much is owed and request a refund from XXXX XXXX ( refunds can typically take 30 days if and when approved ) 10. Called Amerihome Mortgage XXXX XXXX XX/XX/XXXX Spoke with Mr XXXX employee id number XXXX notfied us that our account has been assigned to Attorney XXXX XXXX XXXX XXXX.
11 contacted the lawyer office office hours Mon-Friday XXXX will attempt lawyer again Friday XX/XX/XXXX NO phone calls what so ever has been made to any point of contacts. Letters are delayed
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| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/2021, my wife and I decided to payoff our mortgage being serviced by Amerihome Mortgage of XXXX, New Jersey. I called their listed customer service number and, after significant delays due to their audio response unit, we were able to talk to a human being, identified as " XXXX '' and, another later as " XXXX ''. I was given a payoff amount of {$360000.00} on account number XXXX. I specifically stated to XXXX that I would be putting a personal check in the mail for that amount the next morning with no comment from her. I mailed the personal check on XX/XX/2021, knowing that it would take the company necessary time to ensure the funds were available before clearing the mortgage.
I watched their website for my account to be updated in some way. I looked at it regularly until deciding to call them on XX/XX/2021, concerned that I had heard nothing and the account was not updating in any way. I was then told by " XXXX '' that the check had been received, but that a personal check was not acceptable and they didn't process. I asked since I could make regular payment online, could I then pay it off online. That was not acceptable either. Only a wired transaction was acceptable. I asked him then could I go to my bank and wire that amount or did he need to recalculate. He said if he did then it would be more and I should just send the stated amount. I immediately same day went to my bank and wired {$360000.00} to Amerihome.
The money was, of course, immediately taken from my checking account, but two days later I called Amerihome again ( always a painful experience due to delays getting to a human being ). I was then told by " XXXX '' that the wire was inadequate because it was now short. I asked to talk to a supervisor, but was told that would take some time and because they needed to " complete some paperwork '' before I could talk to a supervisor. I suggested they do their paperwork and have the supervisor call me. They said okay, but would be 24 -48 hours before I could expect a call.
I never got a call from Amerihome, but my local bank called the next day to say they had gotten the funds back by wire with no explanation and were crediting my account.
Because it was Friday, XX/XX/XXXX, I elected to wait to Monday, today, XX/XX/XXXX, when I called Amerihome again and got a new payoff balance of {$360000.00} and required them to give it to me in writing by email. I received the email and immediately went to the bank and wired the request amount. Because of Amerihome 's bureaucracy and inefficiency, I paid {$400.00} in interest and {$60.00} in wire fees unnecessarly than if they had simply processed my check
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| 11/18/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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This ordeal started back in XX/XX/2020. I was approved for the tax expemtion in FL and I wanted to inform my mortgage company of the changes. Unfortunately, I made so many calls and spoke to so many rude and incompetent people that I got so fed up. Luckily I spoke to the only knowledgeable Supervisor in that company XXXX/ID XXXX he explained that they have to recieve the bill from the tax collector and once they recieve it they will review and do a new escrow analysis which will lower my mortgage payments. He said I should call back in two weeks which will be the middle of XXXX. Well I decided to call back in beginning of XXXX. I called over 15 times and explained that my taxes has decreased and I need a new escrow analysis done. Well it went on deaf ears every representative I spoke with was useless. The all submitted multiple task/ticket that wasn't done or cancelled out. Well on XX/XX/2020 I called and spoke with XXXX/ID XXXX and told her the situation she said that another task will be submitted and I should call back in 24hrs and it will be completed. I called back the next day and spoke with a representative and she explained the break down of the new mortgage payment. At that time I noticed the escrow analysis was not accurate. My PMI/Mortgage insurance was paid in XXXX in the amount {$810.00}, which will be {$67.00}. 61 monthly. However, the mortgage company has been charging me {$840.00}, which will be XXXX I tried asking the rep why is this information incorrect and I didn't recieve a proper answer. Looking back at my escrow analysis back in XXXX it stated my PMI/Mortgage insurance is {$810.00} but the company continues to charge me an extra {$2.00} and I'm not sure where the funds is being disbursed..This is fraud stealing my money monthly and no one can tell me where my {$30.00} went for the past 11 months .. I called another 10 more times and another ticket/ task was submitted and the rep requested a supervisor to call me back and no one called back and the issue was not fixed ..once the escrow analysis was done on XX/XX/2020 it shows my PMI/Mortgage payments is {$840.00} which is wrong ..they quoted my new monthly payments should be {$1500.00} which is wrong .. the correct monthly payment should be {$1500.00} once they adjust the amount of the PMI/ Mortgage insurance payment monthly ..Im tired of calling these people I wait an hour to get a representative and the rep don't even look at the account and say a supervisor will call you. I'm already seeking legal counsel this company is ridiculous. My job is not to make sure my payment is distributed accurately. I want this fix like yesterday.
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| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The entire process with AmeriHome/XXXX has been a complete nightmare which is coming from someone who works in the industry. Following the submission of my initial package, I was told that I had missing documents when I submitted everything as stated in the package. They asked for different documents than were required in the loss mitigation package stating that I was missing documents then they also asked for additional documentation that was not requested in the original ( for a {$200.00} annual HOA bill ). This lack of knowledge and understanding in regards to their package and what was needed pushed the entire process out for another 30+ days.I have also requested to speak with supervisors on numerous occasions who send the customers to voicemail and do not return phone calls.
Furthermore, I was completely current until the modification trial period which lasted for 4 months and in all the entire process took over 8 months to have finalized and completed. There were also issues with my final documents that I had to point out to them as they were incorrect which then caused more delays in completing the modification.
I was also charged an additional {$370.00} at the end of the modification which I paid in XXXX. However, still in XXXX, it is not showing as rectified and paid on my bill even though I have called numerous times and spoken to multiple people. I continue to be told it is taken care of and that they misapplied the fee, but it continues to show as overdue on my statements. When I called on XX/XX/18 because the fee was still show due even when it was paid, the represented was rude and told me that the {$370.00} were late fees in which I replied that I was completely current on my mortgage and that the {$370.00} she was referencing in late fees only came during the trail plan which was all paid on time. She continued to arguing with me telling me that " this was the default department and if I got a modification then I was not current ''. I told her based on my pay history I was clearly current up until the trail plan for the modification started which was the only thing that made me incur any late fees. She continued to tell me that the " late fees were based on the investor ''. However, my investor is XXXX whic the requirements of fees are clearly outlined " The servicer must not charge the borrower administrative fees. The servicer is authorized to assess late charges during the Trial Period Plan. The servicer must waive all late charges, penalties, stop payment fees, or similar charges upon the borrower 's conversion to a permanent mortgage loan modification. ''
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| 06/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good Evening On XX/XX/2020 during the height of this pandemic, we are both on the front lines in XXXX XXXX, my wife accidentally electronically paid our mortgage payment to Amerihome company ( Old company ) in the amount of {$1800.00}. This Loan no longer exists with Amerihome and was sold to a new company over a year ago. This was paid through the Bill pay Service from XXXX XXXX XXXX.
I Have contacted your company ( AMERIHOME ) Several times and was initially told that I would be receiving a physical check in the amount of {$1800.00}. I was told that I would be receiving this check within 7 to 14 days. That time has since gone and I have not received anything. I then contacted customer service again and was told they had no record of that and I was asked to submit proof of payment for my bank. This was after I was already told that I would be receiving a check that they already found the payment. I Was told again that they had no record of that check and that they wanted me to send proof of payment. Which I sent Amerihome the proof payment was made.
After hours on the phone Amerihome stated they sent a check to XXXX ( a company they claim that the check originated from ). I have spoken to XXXX XXXX customer service several time and they have stated that they have no business dealing with XXXX. I have contacted XXXX which states they do not deal woth XXXX XXXX. XXXX XXXX stated I should call Amerihome and have them refund the {$1800.00} by a different means.
I went back to Amerihome and they stated they could only refund to where the origional payment came from ( XXXX ) and they will refund the account. XXXX XXXX states this is not the case and that they cant reverse the payment back into my account and still denies dealing with XXXX.
This has been an ongoing circle for the past 2 months. I have been hung up on by bith companied XXXX XXXX and Amerihome. XXXX XXXX when I asked for a manager the CS representative stated to me " there is no manager higher than me '' When I asked for a name and a title she said it was XXXX and her tinal was " basically a supervisor '' I have involved the CT Dept. iof Banking and copied them on every email sent and received but have heard nothing. I do not know what else to do. No one at either company can or is willing to help. All I want is a refund of the money that is due to me for the payment made in error to an account that no longer exists.
I have all the emails and correspondence as well as proof of payment from XXXX XXXX. I would like Amerihome to send me a physical check for the payment amount of {$1800.00}.
Thank you
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| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020 I refinanced my home mortgage for a lower rate and term. Soon after my refinance closed the mortgage was sold to AmeriHome Mortgage for servicing the mortgage. My refinance included pre-payment of the escrow. I've also made my required monthly payments, including escrow. My escrow with AmeriHome currently has a balance over $ XXXX. I have an outstanding homeowner 's insurance premium of {$1500.00} that was due as of XX/XX/2020. My insurance documents with AmeriHome are up to date, indicating a payment is past due. So far, I've contacted AmeriHome, including the following occasions : XXXX : Initial call to AmeriHome stating I received notice from my insurance company that the insurance payment wasn't made. They requested I send the insurance email notification to their customer service department, which I did on that day. I was told the payment would then be made.
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. I was then requested to send my insurance payment notice to the AmeriHome insurance department email ( XXXX ), which I did on that day.
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment.
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment via work order to be completed by XXXX.
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available and the work order from XXXX was closed without reason. AmeriHome said they would escalate and issue an insurance payment within 24 - 48 hours.
I will continue to follow up with AmeriHome, but at this point I've received a text, email and letter from my insurance company stating the insurance payment is past due, and my policy will be cancelled as of XX/XX/2020 if full payment is not made. I have been given multiple assurances the insurance payment will be made via my escrow, which has enough funds and continues to be funded via monthly mortgage payments. I have little confidence this will be done and am at risk of losing my legally entitled insurance coverage due to the inability of AmeriHome to meet its requirements of making homeowner 's insurance payments via the escrow account.
Any assistance would be appreciated.
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| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On or around XX/XX/XXXX, I received an email from my credit monitoring service that a delinquency was reported by the mortgage company on my credit score. I called the mortgage company and the agent at that time told me that the payments were made and that she was going to put in a request to customer service to research why the payments were not applied to my account and that it would take approximately 3 days to correct the issue.
Around or on XX/XX/XXXX, I was reviewing my bank transactions and saw that the XX/XX/XXXX mortgage payment was returned. I immediately called the mortgage company again. The agent on this conversation was able to see that my payments were in suspense because the escrow portion of the payment had increased by approximately {$90.00}. The agent noted that my new mailing address was incorrectly entered into the computer system and this was most likely why I never received notice that my payment was changing. I told the agent at this point that when we end the call I was going to send in {$2700.00} for the XX/XX/XXXX payment and to make up the shortages on the XXXX and XX/XX/XXXX payments. I also at this point asked to speak to a supervisor, the agent informed me that she would put in a request for a supervisor to call me which could take up to 48 hours. I never received a call.
On or around XX/XX/XXXX, after not receiving a call back from a supervisor, I called the mortgage company again to ensure the issue was resolved. This agent said that the reason my account was not cleared up was because my XXXX, XXXX, and XX/XX/XXXX payments were returned by the mortgage company. While still on the line with the agent, I reviewed my bank records from XXXX through XXXX and the only payment that was returned was the XX/XX/XXXX payment. The have 2 payments of {$2300.00} that have not been applied which would clear up this issue.
On or around XX/XX/XXXX, I called again to the mortgage company. The agent on this call said that she was going to see if she could get a supervisor to join the call so we could get this issues corrected. When she returned, she stated that her supervisor informed her they were already researching the issue and to reverse the delinquency reports on my credit and that I would received a call the following week since it was a holiday weekend.
On or around XX/XX/XXXX after not receiving a call as promised from my XX/XX/XXXX conversation, I call in yet again. On this call I simply asked to speak to a supervisor and was told they would have to request a call back which could take up to 2 days. I never received a call.
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| 01/31/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX XX/XX/XXXX I emailed a copy of my Tax Exemption certificate to AmeriHome 's Tax Exemptions Department. The same day ( XXXX XXXX ) I received a notification that the document was received.
On XXXX XX/XX/XXXX I contacted the Tax Exemptions Department of AmeriHome Mortgage to verify they did not need any additional information and to inquire about my mortgage bill and how to proceed when the first payment was due ( Payment was due XXXX XX/XX/XXXX ). I was assured that my paperwork had been received and that it would be processed and that I would not need to make payments until the bill has been corrected because I could wait to make my payment up until XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX, I received an email stating that the documents I sent would be sent to the Tax Department.
On XXXX XX/XX/XXXX I again contacted AmeriHome to inquire about the status of the tax exemption, as my first bill due date had just passed. I was again told it was being processed and that it should be completed/updated by XXXX XX/XX/XXXX and that I could wait to make payments.
On XXXX XX/XX/XXXX I made contact with the Tax Exemptions department of AmeriHome to follow up, as my bill was still showing the incorrect amount due. I was told that my tax information was being processed and that they had to verify the information with the Tax Assessor 's office. When I requested additional information about when to expect this to be completed and whether or not it would be before my '60 day grace period ' had expired, I was told they had no further information and to just wait or pay the full amount.
On XXXX XX/XX/XXXX I made contact with AmeriHome Tax Exemptions office and again inquired on the status of my tax exemption and billing update. The representative refused to give me any further information or to give me any estimated timeframe for this to be corrected.
On XXXX XX/XX/XXXX, I submitted the full billed mortgage amount, which included the tax amount, as I did not want to fall behind on payments, requiring 2 months ' payment all at once by mid-XXXX.
On XXXX XX/XX/XXXX I contacted AmeriHome Tax Exemptions office, as I am now in receipt of a letter and a paper bill stating that I am Past Due on my mortgage. I was placed on a hold and then told that my exemption status was being reviewed. Prior to contact with AmeriHome, I contacted my County Tax Assessor 's Office. I was reassured that if AmeriHome had contacted them, they would send the information, but that the only information they had for them was the letter that I had already submitted.
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| 10/28/2020 |
Yes |
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- Trouble during payment process
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Web |
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Amerihome Mortgage/XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, NJ XXXX Property address : XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX My home went to sheriff 's sale on XX/XX/XXXX My home sold for more than $ 32,000+ more than what was owed Plaintiff 's ( Amerihome Mortgage ) Attorneys disbursed {$130000.00} to Amerihome which covered all Principle ( {$110000.00} ) & Interest ( from XX/XX/XXXX - $ {$6900.00} ) MIP/PMI ( {$230.00} ) Late Fees ( {$95.00} ) Recording fees ( {$13.00} ) Escrow Advances ( {$5800.00} ) Foreclosure attorney fees ( {$2200.00} ) Process Service Costs ( {$320.00} ) Court Costs ( {$1000.00} ) Publications ( {$500.00} ) Corporate Advances ( {$1900.00} ) Totaling {$130000.00} My homeowners insurance carrier ( XXXX ) issued a check for escrow overages for {$2100.00} on XX/XX/XXXX which they stated ( and maintain ) is owed to me but were legally required to send it to Amerihome/XXXX ( mortgage company ) first and that Amerihome/XXXX was to issue that same amount to me immediately upon receipt.
I have called Amerihome/XXXX dozens upon dozens of times to have the funds issued to me. I was told : XX/XX/XXXX that the check was issued and to expect it in 7/10 business days. On XX/XX/XXXX Amerihome/XXXX stated to wait a few more days due to Covid-19.
On XX/XX/XXXX ( another phone call I made, lasted 3 hrs wait time ) I was told there was an FHA issue and that a specialist had to clear a code on their computers to issue the check, completion date was to be XX/XX/XXXX. I called again XX/XX/XXXX and was told it would be cleared by XX/XX/XXXX. I called again XX/XX/XXXX and told it was pushed to XX/XX/XXXX. I called again on or about XX/XX/XXXX and was told ( after multiple other calls where I was hung up on, transferred to multiple departments, promised a supervisor call back, none of which ever came to fruition ) that I would have to send a Qualified Written Request letter to a PO Box in New Jersey to have it resolved.
I am forwarding this same complaint letter to Amerihome/XXXX at the Qualified Written Request PO Box detailing the aforementioned.
In addition to the {$2100.00} I expect to be compensated for time. My company charges $ XXXX/hr for my expertise. I have logged over eight hours of working time spent following up on getting my escrow refund with Amerihome/XXXX during business hours, totaling {$8800.00}. Combined Amerihome/XXXX should pay me {$10000.00}.
I expect Amerihome/XXXX to release my funds and issue a check written to me immediately.
Please confirm receipt and provide details as to next steps.
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| 04/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our home was hit by a tornado and our insurance company provided a check for the rebuild which was made out to my husband & me as well as Amerihome for {$170000.00}. Payoff for the mortgage was {$130000.00} Since it was a complete rebuild requiring more than {$170000.00}, we opted to payoff the mortgage and get a construction loan. I contacted Amerihome on XX/XX/XXXX regarding the process to payoff, which included sending a statement to the claims department stating that we wanted to use the funds to payoff the mortgage along with a payoff statement. I was told the surplus funds would be returned to me in the mail via check. I followed the exact instructions. I received the payoff statement on XX/XX/XXXX and sent all required documents along with the endorsed check via 3 day priority mail. Per USPS tracking, they should have received the check on XXXX. As of XX/XX/XXXX, the loan has not been paid off and no one can give me information on when it will be complete. I have called customer service 3 different times, being transferred back and forth between Mortgage & Claims multiple times. I am unable to access the claim on their insurance website -- I was told that is because it's a payoff. I have filed a complaint online with XXXX -- someone from XXXX left me a voicemail a week ago but I have tried to call them back twice & left voicemails with no response. I am told by the Claims department that I must contact Mortgage ; however, the Mortgage department directs me to Claims. I requested to speak to a Claims supervisor. I was told one would call back in 24-48 hours. A Claims supervisor ( XXXX XXXX XXXX called back after the 48 hour deadline and left a voicemail lecturing me that I needed to speak to Mortgage only and did not leave me a number to call back. I have tried the online chat services and have been told that they can not provide me with information. On XX/XX/XXXX, I spoke with someone named XXXX in Mortgage customer service who stated that the funds were in the final stage with the Pay-Off Department and would be complete that day. He stated that I should receive an email as well as see the change in my online account. As of XX/XX/XXXX, it still states that there has been no pay-off. I just spoke with Customer Service again and she stated that has never seen anything like what is going on in my account and that she can not provide me with any information -- only Claims can do that. My request to speak with a supervisor at that time was denied and I was told one would call me back within 2-3 hours. I did not receive a call.
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| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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When I refinanced my home in XXXX, I requested that I be responsible for paying my flood insurance because I was uncomfortable with leaving it to them. I was told no. That the mortage company was to manage the payment out of the escrow. For the year of XXXX, my monthly payment actually went up because my escrow increased. In XX/XX/XXXX, I received an email from my insurance company ( who I have been with for 10 years ) and they notified me as a courtesy that my flood insurance was canceled in XXXX and that the recent payment they received was going to be returned. When I called the mortgage company, they had no record of me NOT haveing flood insurance and did not seem to know that it was canceled. The CSR 's response was to immediately tell me I'm out of compliance and that I have to pay for the last year as well as this one. I asked for a supervisor and she refused to the point I had to hang up and call again. I asked for a supervisor again. After the 3rd time of just being told the only solution was for me to pay, I began sending emails through their website. I asked for a Senior Director to contact me to explain what happened. I talked with my own home insurance company and their records indicate that the reason the policy was dropped was that they did not receive the payment in time. I did not get a supervisor until I requested twice. When she called I asked : why did they not pay on time? Why was I not notified that the policy was dropped? Who was responsible for the negligance? And what happened to the funds that I did pay in escrow that were supposed to go to the flood insurance because I did not receive an overage check. As she looked at the notes, she read that the payment was sent in XXXX but returned to the company in XXXX and no one followed up or addressed it after that. Again I asked where was that money? She said that she would look into it and get back to me within 3-4 days. I never heard back from her. I have emailed requesting that she call back and I get emails from lower level staff telling me that I have to pay for the missing year and sending me highlighted copies of my mortgage agreement. I have paid for this year ( XXXX ) but I should not have to pay for their mistake ... especially since they dropped the ball, did not notify me, kept the funds and have caused me to have a higher bill going forward. they keep ignoring my request to speak to upper management. At this point I wonder if I need a lawyer. They are admitting no responsiblity in the error and are trying to make me pay for their mistake.
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| 10/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am enrolled in AutoPay with XXXX Mortgage and early in XXXX, I added a replacement bank account for the autodraft. XXXX XXXX 's website, I specifically set the new account as the default account and checked on this more than once in XXXX, way before the draft date of XX/XX/22. XXXX 's site would not allow me to delete the original account. On the draft date of XX/XX/22, they attempted to draft the mortgage payment from my original account which was depleted. My bank charged me an overdraft fee of {$35.00}. I called and talked to the XXXX web services team on XX/XX/22 and they told me that they would need to wait XXXX hours before they could make any adjustments to my draft settings in their system. On XX/XX/22 the XXXX system attempted the draft from the same original account, and due to insufficient funds, I was again charged a {$35.00} overdraft fee. On XX/XX/22 I again called and talked to the web services team multiple times to try to fix this problem and somehow in the process, my online account was deleted. I had to re-register with XXXX 's site.
I immediately re-registered for XXXX and wanted the mortgage payment to be autodrafted from my bank account on a set date every month. It appears their system is still not working. I use this bank account for multiple autodrafts every month and never have a problem, except with XXXX. I have verified and re-verified my bank information in their system. But the autodraft is still screwed up. And in the meantime i am getting hit with late fees and credit reporting to the reporting agencies.
Over the last two plus months I have used their message system on their website trying to resolve this and submitted the requested docs. Then all of a sudden they go silent on their message system and start with the threatening letters by mail. I have called multiple times wanting to resolve this and am told i need to speak to a supervisor. One is never available so I request that a supervisor call me so that we can resolve this. Have not received a call yet. Just threatening letters in the mail.
I owe them 3 months payments which i am more than willing to pay, but need to get these issues resolved.
I am requesting a phone call from somebody that can research my account history and has the power to make a decision.
I am also requesting they drop all late charges, and reimbursement of overdraft fees from my bank.
I am also requesting a withdrawal of any and all credit reporting to any agency that has been reported to.
Thank you. XXXX
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| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My Amerihome Mortgage statement for XX/XX/2020 was the Annual Escrow Account Disclosure Statement. ( Attached Exhibit A ) My escrow had a shortage of {$700.00} 67 - due XX/XX/2020, if paid my new payment starting XX/XX/2020 would be {$1200.00}. If the shortage was not paid, my new payment would be {$1200.00} and due on XX/XX/2020.
I mailed the bottom of the original exhibit A and two separate checks in the envelope to Amerihome Mortgage. The checks were received and deposited on XX/XX/2020. ( Attached Exhibit B ) When Amerihome applied the checks they simply combined them and took {$1200.00} and made the newer higher payment. Then they took the balance which was {$640.00} and applied it to the loan principle. This miss application started a nightmare i have been unable to get out of for over a year.
When I realized what happened I called and have made so many phone calls to fix this issue. There have been so many corrections and reversals that I cant even figure it all out and no one will help me from Amerihome. My account currently shows me a payment behind with hundreds of dollars of late fees, which i do not owe. There is money in a suspense account. last time i called the agent was gon na make the missing payment but its still in suspense.
I talked to an attorney who drafted a letter i sent to Amerihome to try to gather the documents to resolve this. ( Attached Exhibit C ) I need someone from Amerihome to audit my payment history, On my end I have paid every payment on time and never late yet i am charged a late fee every month. When i have called they will remove them but its a hassle and i am sick of this! I received the documents and a letter from Amerihome " XXXX XXXX '' and the letter states to call with questions Monday - Friday XXXX to XXXX XXXX eastern standard time. ( Attached Exhibit D ) Supposedly it came from the Office of the Customer. I HAVE CALLED THIS NUMBER FOR 3 WEEKS- NO ONE ANSWERS - SAYS ITS AFTER HOURS BUT ITS NOT. I HAVE LEFT MUTIPLE MESSAGE AND NEVER BEEN CALLED BACK.
There are mistakes in my history that i do not understand. Please look at the highlighted sections of payment ( Attached Exhibit E ) after late charges are removed and suspense money released for missing payment, I figure I am still short {$55.00}. Amerihome needs to dig into the account and find that {$55.00} shortage. Is it from the first miss application? Is it in my escrow? I dont know but i know I have paid every payment on time and for the correct amounts.
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| 04/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XXXX of 2019 without my approval Amerihome mortgage started withdrawing electronic payments from my bank, XXXX XXXX. At the same time they continued to send me paper mortgage payment bills. I didn't notice the additional payments on my bank statements until they increased the amount due to an escrow shortage. I only glanced at my bank statement amounts and the payees, since I have only about five people I make payments to a month. Most of these additional payments were spaced out between my regular payments. I asked Amerihome for proof showing where I asked them to make these automatic withdrawals which they have never done. Amerihome has told me I made the request electronically and they sent me a copy of a confirmation, which I have never been able to find on my computer. When I called Amerihome to have them refund the excess payments I was told they applied them to my principal and they would make no refunds. I have reviewed all the payments I've made and the elctronic payments taken by Amerihome. There is one payment I have made that they have recorded but have neither applied to my principal, or future payments. I've made a spreadsheet recording each payment I've made, the electronic payments and where each is recorded. I sent this to Amerihome and have not heard any response to my comments. What happens when I send correspondence to them any response they make is not at all related to my queries. I don't know if they are trying to play a switch and confuse, or what their game plan is but I see their actions as fraudulent. They are telling me my next mortgage payment is due for the XXXX payment, by my calculations, noted on the spreadsheet, my next payment is due for the XXXX payment. I would like Amerihome to either take action to correct this by either applying the last payment to the XXXX payment or refund it to me. The sum is {$930.00}. I have paid my escrow shortage to help eliminate any confusion on their part, since they can't seem to follow simple instructions. If I had one person I could talk with at Amerihome who had some authority I truly suspect some of this possibly could have been eliminated, but they way they do business they shuttle you to different people every time you call or write a complaint.
I will attach all my correspondence I've had with Amerihome, copies of all my statements and a PDF of the spreadsheet I've prepared and sent to them.
Short of legal action against them this is my last recourse.
Thanks, XXXX XXXX XXXX
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| 12/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX I called and sent via email to show that we paid out of pocket all taxes. I have requested and followed up for an overage of {$2400.00} owed back to us for paying out of pocket.
I called again on XX/XX/XXXX and XX/XX/XXXX after being told we would receive an updated analysis of our escrow by XX/XX/XXXX, never received as well as a check for reimbursement. Seemed like it was resolved.
Our account online shows they sent us a check on XX/XX/XXXX, yet did not receive it as of XX/XX/XXXX.
Our account shows they sent us our bills for more money and showing funds were removed and not put back into our account of {$2400.00} - tax rep from our county/township/school has sent back money to our escrow and they are not returning money back to us from our savings account we borrowed from. So we are not out over $ XXXX due to bank keeping funds.
I spoke to XXXX on XX/XX/XXXX who said this would be resolved and sent out analysis corrected and saw as well we were sent a check? Never got it it was never sent.
I called again on XX/XX/XXXX to be told by XXXX that they are keeping the funds into our account.
there have been a one or two other calls called by my husband as well.
We are getting a run around over money kept in excess in our escrow well over the amounts after we asked again and again to run an anaylsis for funds needed to be paid and correct our XX/XX/XXXX payment to {$1500.00} ( + ) not {$1300.00} since they cant seem to correct our bank account mortgage.
We have an account with the post office that shows us what mail we receive. Since that call in XX/XX/XXXX we only received two pieces of mail the XX/XX/XXXX payment due since we now have over {$600.00} sitting in escrow for next year and XX/XX/XXXX payment due not corrected ... yet missing our {$2400.00} refund for overage of taxes we paid from our personal savings account for taxes due due to shortage in our escrow at that time of taxes due.
I can provide copies as well showing post office and online documents received, etc ... if need be.
It just seems there seems to be an excuse after excuse and nothing receive back to us except incorrect mortgage/escrow bills ... and money now missing in our account and told it went back into our account. I tried to log back in and now I am locked out of my account online?
In 30 years of having a mortgage I never experienced such a run around and mess like this ... can I find another bank without points, etc..? What are my rights?
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| 02/05/2021 |
Yes |
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- Trouble during payment process
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Web |
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While reviewing my loan statement in XX/XX/XXXX, I noticed that there was an additional payment from my escrow account for hazard insurance on XX/XX/XXXX in the amount of {$960.00} that appeared unusual. I contacted Amerihome, the mortgage company, via live chat using their website. After reviewing my account, the representative explained that the payment was for a lender 's placed policy because there was thought to be a lapse in coverage. She further confirmed that they had later received proof that I already had coverage and there was no lapse and the amount for the lender 's placed policy should have been refunded to my escrow account. She deferred the issue to Amerihome 's insurance team for further review and stated that I should allow at least 3 business days for someone from the insurance team to contact me. I never received any follow-up correspondence. On XX/XX/XXXX, I contacted Amerihome by phone to follow-up on the issue. The first representative initially had difficulty finding the payment transaction in question in their system but eventually found it and explained that he was researching my account. After being on hold for 90 minutes, I was disconnected. I immediately called Amerihome again and was connected with a different representative. The second representative stated that the payment transaction from my escrow account that I was questioning did not exist because she could not locate it. I explained to her that I was looking at my statement online at that very moment and the transaction was indeed there. She placed me on hold for 67 minutes, after which I was disconnected. I then sent a secure message via Amerihome 's web portal regarding the issue and asked for someone to follow-up with me. I never received a response to this message but a representative had later marked the message as " RESOLVED ''. I've sent approximately 5 more secure messages via Amerihome 's web portal asking for resolution since XX/XX/XXXX. One received a response that the payment was made to my insurance company, XXXX, and that any refund for overpayment should be sought from XXXX. After providing a copy of my XXXX statement showing that the payment was not paid to XXXX, all of the remaining messages I sent received a response that a representative from Amerihome 's insurance team or a supervisor would contact me within a few days. I still have not been contacted by Amerihome regarding the issue nor has my escrow account been corrected.
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| 04/24/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX - I received a delinquent tax notice from XXXX County ( SC ). I immediately called Amerihome Mortgage company and spoke to XXXX XXXX XXXX XXXX. She told me to send the tax notice to XXXX ( do they need a entire department because they forget to pay people 's taxes a lot? ). She said they would get it done.
XX/XX/XXXX - Logged into mortgage web site to ensure taxes were paid. The taxes were not paid and this " company '' decided to refund almost my entire escrow. The date of the " refund '' was XX/XX/XXXX. I have not received a refund check as of the date of this complaint - XX/XX/XXXX. I called again and spoke to A -- -- a -she said they refunded my escrow because I am XXXX XXXX XXXX. I am not XXXX XXXX XXXX. Now my taxes are not paid and my house will be put up for auction if they are paid SOON! I then called XXXX county Auditor and the VA to ensure they did not send something to Amerihome. The Auditor and the VA both told me they did send anything the Amerihome.
XX/XX/XXXX - Called Amerihome back and spoke to XXXX XXXX XXXX XXXX she said the account didn't say I was XXXX and she would contact the delinquent tax department and get everything straightened out. I asked to have a supervisor call me also. NOTHING has happened and a I was never contacted by a supervisor.
XX/XX/XXXX - Checked Amerihome web site again - nothing has been done. I still do not have a check for a refund - where is the money? I put in a request on the web site for them to do their job. Nothing ...
XX/XX/XXXX - checked Amerihome web site again and nothing has been done. Called and spoke to XXXX, she said the account showed me XXXX XXXX XXXX. I explained I am not XXXX XXXX XXXX and she said I needed to contact the County - I explained I already Had! I told her the taxes needed to be paid immediately. Now the penalties are adding up. I l also discovered the tax number was incorrect on their end. Who doesn't even know the tax number of the property they lent money on? XXXX XXXX XXXX said the taxes would be paid by Monday XX/XX/XXXX. I will be checking on Monday and calling again to get a different answer I'm sure. I still have not seen a check- I asked XXXX if they could simply stop payment on the check and have supervisor call me - we'll see. Every time I call I get a different answer. My families home is in jeopardy because these people either don't care or are incompetent. This is unacceptable and I hope you can help me save my home.
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| 11/26/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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My XXXX and I are XXXX military and live in a house which has a VA XXXX XXXX. The loan and title has both our names on them and the loan is currently serviced by Amerihome Mortgage. We XXXX XXXX recently and I have acquired a position with the XXXX XXXX XXXX ( Government service ) in XXXX. I leave early next year. Our VA loan has an assumption clause and on XX/XX/XXXX, we requested the paperwork be sent to us to get the process started. My XXXX is taking over the loan and house as I wish to have the loan responsibility removed from my credit. We did not receive the paperwork until XXXX XXXX. After filling out the paperwork, we chose to email a scanned copy to the XXXX department as described on the paperwork on XXXX XXXX. Their auto email response states to give them XXXX business days to process. On the XXXX business day ( XX/XX/XXXX ), after no response, I called customer service to see what was going on. On this call, I found out a couple of facts. First, no one can contact the XXXX department directly. Secondly, the paperwork we submitted was only to request the actual paperwork to start the process! The customer service agent started a workorder for the XXXX department to contact us. She stated to give it a couple more days for them to contact us. At this time I also sent an email to the XXXX department to see if they would respond that way. Since then, no response and I have called XXXX more times. The second to last time, I insisted I talk to a higher level who can affect the situation more expeditiously. Customer service connected me to the escalations department on XXXX XXXX. I found out that someone closed the original call-in workorder. Escalations re-opened it. They also sent an email to the " Research Team '' in order to investigate. Again, I was given a timeline of a couple of days. The final time I called, XXXX XXXX, the escalations specialist stated that the workorder is still open, but nothing has changed. She did state that XXXX usually doesn't take this long and she didn't know what's going on. Bottom line, once the paperwork is actually submitted, Amerihome says the process could take up to XXXX months! My time is limited and we need to get this going. I believe it is terrible business policy that customers can not get in touch with XXXX directly to be given a progress update. We are in the dark. We started this on XX/XX/XXXX and haven't progressed very far at all. Please assist.
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| 03/09/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We bought our home with a VA backed loan on XXXX XX/XX/XXXX. We were later notified that the new loan servicer would be Amerihome Mortgage Company.
We have always paid as agreed.
When we applied for our homestead exemption in the County where we live, we were told that since the home did not previously have a homestead exemption filed, we would be charged the regular ( non-homestead ) amount for taxes this year, and the benefit of the homestead exemption would begin in XX/XX/XXXX ( a 50 % reduction in the tax amount ).
When the taxes were paid by the servicer, on XXXX XX/XX/XXXX we realized that they had calculated the escrow amount to withdraw based on the expected tax with a homestead exemption and not the actual. This resulted in an escrow advance of {$230.00}. We called the servicer and explained what we saw and they said the servicer would be performing an escrow analysis in XX/XX/XXXX and they needed to see a certain balance ( I believe it was {$1600.00} ) in the escrow account or the payment would increase.
We calculated the amount the servicer would need to have a sufficient amount for the insurance payment including the two month cushion as allowed by law and submitted that payment on XXXX XX/XX/XXXX ( as an escrow payment ) That amount was {$1700.00}, and set the amount in escrow sufficient to pay the upcoming insurance in XX/XX/XXXX.
The homeowner 's insurance was paid by the servicer on XXXX XX/XX/XXXX, and there were still sufficient funds remaining to pay the normal tax that would be due in XX/XX/XXXX.
We then received an escrow analysis which increased our payment from {$1400.00} to {$1600.00} for XX/XX/XXXX. That escrow analysis now used the higher amount for taxes in their calculation ( 50 % higher ), and were coming up with an incorrect escrow payment.
We have attempted to contact the company numerous times via secure messaging and submitted the tax notice from the County as instructed by some of their automated return messages. No one from the company will contact us, and we called last week XXXX XX/XX/XXXX, but the person on the phone just said someone would contact us, and acknowledged that someone should have returned a message.
Now the payment has increased to {$1600.00} without any explanation as to why this occurred. We have tried to be patient, but at this point we need a mediator or dispute resolution help as this company does not wish to communicate with us at all.
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| 10/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI.
Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint.
We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard.
Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome. In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office.
My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company.
I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added
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| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My mortgage was originally handled with XXXX XXXX XXXX with the first payment due by us on XX/XX/XXXX XX/XX/XXXX Payment for {$2700.00} using XXXX account number XX/XX/XXXX I received an AmeriHome statement that they had not received payment. I immediately realized that I needed to use the AmeriHome account # and that my bank had returned my XX/XX/XXXX payment XX/XX/XXXX I sent 2 payments for {$2700.00} each for XXXX and XXXX. I also called AmeriHome ( XXXX # XXXX ) to let them know of the situation. She told me to wait until the end of the week to see if the payments posted.
XX/XX/XXXX Both payments cleared XXXX ( proof of payment from XXXX attached ) XX/XX/XXXX Payments still not posted on my AmeriHome account. Was told to send proof to XXXX. I did and received an email back that I would need to communicate via their secure website. ( Both emails are attached ) XX/XX/XXXX Sent proof through their secure website as instructed which was confirmed by them on XX/XX/XXXX ( Communications are attached ) XX/XX/XXXX @ XXXX called AmeriHome and spoke to XXXX she transferred me to finance to check the encrypted communications and gave me their number XXXX in case we were disconnected. Spoke to XXXX who confirmed receipt of my correspondence. We confirmed the proper account number was noted. She did not see the payments posted. We discussed me calling XXXX to again confirm and verify payments. The call was dropped and I did not have time to call at that time.
XX/XX/XXXX I called XXXX XXXX spoke to XXXX who confirmed that payments had cleared. She explained that meant it was in AmeriHomes system now. We confirmed account numbers. She also offered to set up a direct call with AmeriHome.
XX/XX/XXXX called AmeriHome XXXX Spoke to XXXX ref # XXXX. He stated that they had not received any payments from us and that there was no communications from us and that our mortgage was in default. I asked for his supervisor after waiting another 30 minutes he told me that no one was available. He also reiterated that they had no correspondence from me. I asked him to look back at my call from XXXX on the XXXX and he said she had wrote the same thing. I told him I was looking at the confirmation on his website and he just repeated they had nothing from us.
XX/XX/XXXX Called XXXX XXXX spoke to XXXX case # XXXX. She respectfully listened made notes and gave me suggestions on how to proceed and that they
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| 10/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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On XX/XX/XXXX we received an Escrow statement from our mortgage company that had incorrectly calculated the property taxes for the year. The annual taxes increased from {$3100.00} to {$7200.00} ( doubled ). This caused our total mortgage payment to increase from {$1700.00} to {$2200.00}. Initially, we contacted the company via phone in XXXX of XXXX and were told a ticket had been created and the issue would be resolved in 1 month. After not hearing back for two months we contacted again via phone and were told there was no record of any conversation or ticket being created.
Next, I began a conversation in the secure message center on their website outlining the issue on XX/XX/XXXX. The first two representatives that responded did not understand the issue and were of no help. The last representative in the secure messages ( XXXX XXXX. ) appeared to understand the issue but could not make the corrections herself. A work order was submitted on XX/XX/XXXX and was due to be completed by XX/XX/XXXX. This led to another Escrow analysis being completed and our taxes were raised again, this time from {$7200.00} to {$10000.00}. This caused our total mortgage payment to increase from {$2200.00} to {$2700.00}.
We contacted via phone again, and another Escrow analysis was completed on XX/XX/XXXX. No change was made to our taxes.
We attempted to call one more time at the end of XX/XX/XXXX and were told a high-urgency ticket had been created and our tax line would be changed. Another Escrow analysis was completed on XX/XX/XXXX and our taxes had increased, yet again, from {$10000.00} to {$14000.00}. Our total mortgage payment increased to {$2900.00}.
As it stands, our taxes have increased by {$11000.00} ( an increase of nearly 300 % year-over-year ) and our mortgage payment has increased from {$1700.00} to {$2900.00} ( nearly doubled ).
Some key points, we have not missed a single mortgage payment for the entire life of our loan ( even the erroneously inflated amounts ) and no significant improvements have been made to the property that would cause the taxes to increase.
I am attaching all of the referenced Escrow statements, the tax bill from XXXX for each parcel, the 6-year tax history for each parcel, and a mortgage statement from XX/XX/XXXX that had our correct payment amount before this debacle started. I have also attached a printout of the secure message center conversation.
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| 08/03/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX before our Forbearance ends up on XXXX XXXX. We applied for Partial Claim which of the benefits of FHA Mortgage, since according to FHA Guidelines, we are qualified because we are only 30 days Past Due. The last payment we made was XX/XX/XXXX which covers our XXXX. Our Forbearance was started on XX/XX/XXXX and supposedly end up last XXXX XXXX and they offer us another 1 month extension. According to Ms XXXX from Amerihome dtd XX/XX/XXXX i might not be qualified because we are Current. From FHA Mortgage its cleared that if borrowers are current or 30 days past due we are entitled to apply for Partial Claim. And all of the sudden they sent letters : - 1st Disapproved us for Partial Claim dtd XX/XX/XXXX letter - 2nd Disappoved us for Disaster Modification dtd XX/XX/XXXX letter - 3rd Disapproved us again for Payment Plan thru Phone with XXXX XXXX dtd XX/XX/XXXX Today I spoke with Ms XXXX ID # XXXX, I begged her to review our Payment History, she said we were past due for 152 days according on her system which they include 1st day of Forbearance XX/XX/XXXX. And I said to Ms XXXX Past due should be srarting on XX/XX/XXXX because they still received my pymnt on XX/XX/XXXX for our XXXX ... so we are only past due for 30 days. And she reviewed it and XXXX said, I am right.
Please help us to save our home and they want us to apply for Loan Modification which it was cleared that we can avail Partial Claim, please help us, this servicing bank are always giving us a hard time since than. It look like they not trying to help us, they are trying to take our home thru foreclosure, because if we will apply for loan modification they will deny us again, because we got our Loan Modification last year on XX/XX/XXXX which they buried us for a high interest of 4.625 %. They are not treating us fair. A very cleared discrimination. Instead of helping or offers us a better programs tgey denied us 3x in a row XX/XX/XXXX to save our home after COVID, look like they are very interested to get our home. And the comoany where my brother used to work waS temporary Covid Issues and just recently reopened this month if XXXX thru XXXX.
Please help us, we need someone that will protect us from U fair treatment by serving mortgage company.
Thank you XXXX ( XXXX ) XXXX ( authorized person-sibling ) For The Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX
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| 01/06/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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This is a follow-on to complaint XXXX. To re-cap, I was hired for continued government service with my previous employer to work overseas. This hire occurred in XX/XX/XXXX We knew there would be substantial time before I left. We contacted Amerihome Mortgage company OFFICIALLY XX/XX/XXXX to ask for the request paperwork for an assumption of the loan to take my name off the mortgage. We did not receive the document until XXXX XXXX. I have email traffic proving I sent a PDF filled form back to the assumptions email box on XXXX XXXX. On that day, we did call Amerihome to verify it was filled out correctly before sending. The auto response email stated to give 7-10 business days. We did that, but did not hear anything. This prompted my first call on XX/XX/XXXX to find out info. Unfortunately, no-one can talk to assumptions directly so we had to talk to customer service. All they can do is email assumptions. Many calls later and emails to assumptions, no response from assumptions, I even talked to the escalations department who tried. No response. Again, this was just to request the assumptions packet! Finally, XXXX XXXX XXXX emailed us the package on XXXX XXXX, followed with a phone call on XX/XX/XXXX to assist with filling it out. We filled it out and sent it to XXXX on XXXX XXXX. Then, my girlfriend was asked to send a copy of her social security card so assumptions could send to underwriting. It was received on XXXX XXXX. It's disturbing to know that the company 's response from my previous submission happened on XXXX XXXX, but the individual responding did not know the most current info! Currently, there still is a problem. It seems XXXX XXXX may have quit and we do not have a contact anymore. Has the package been sent to underwriting? The length of time this has taken is ridiculous. I am set to leave soon and we still do not know what's going on! Spoke to Escalations again on XX/XX/XXXX, call reference XXXX. No response yet. In the company response on my previous submitted complaint, XXXX XXXX gave her contact info so I called. Of course it went to voicemail, and the name was a different person. Left a message anyway. No return call. This process has added stress to an already stressful situation with my move. With no real ability to talk to anyone about the progress of our submission, we are in the dark. Not a great place to be. Amerihome should be ashamed!
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| 03/30/2021 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received an annual escrow statement dated XX/XX/XXXX and noticed the homestead exemption I was granted was not included on the statement. ( new statement reflects a monthly payment increase of almost {$400.00} d/t county tax. I called mortgage company and they asked for me to send " granted '' document to research dept and provided me with fax number. On XX/XX/XXXX I called to follow up on fax and was told to give it 'a couple of days '' On XX/XX/XXXX I called the mortgage company ( Amerihome ) and was informed that the fax was wrong & the document should have been sent to the Tax Dept and was provided a new fax number and faxed the form on XX/XX/XXXX. I called on XX/XX/XXXX and was informed that " a letter has been mailed to you and you should receive within a week '' The employee said she could not see what the letter was about. I logged into my online account to check messages and nothing was sent. On XX/XX/XXXX I called back and was informed there was no record of any fax to research or tax department. On XX/XX/XXXX I emailed the mortgage company " XXXX '' and sent both fax confirmations and granted homestead exemption along with my account information. On XX/XX/XXXX I emailed them again requesting for someone to help/ contact me. When I called on XX/XX/XXXX I was informed that " the research department has until XX/XX/XXXX to research and make decisions '' In the meantime my payment is due XXXX and I have until the XXXX until it is considered " late '' I called the Attorney General who left me a voicemail to contact CFPB. Today I phoned the mortgage company and informed them that I called the Attorney General. They have located my document and now say it will be another 10 days to review. I have been in continuous contact with this mortgage company since XX/XX/XXXX requesting for the granted homestead exemption to be applied. I can not help but reach out since I believe they are doing this intentionally. I don't want a " late payment '' while rectifying the issue, however the mortgage company personal on the phone today confirmed that if I pay the new amount that I am " accepting '' the new monthly amount and will be up for a homestead exemption for XXXX. This is unacceptable. I closed on my house XXXX of XXXX and filed for the exemption in XX/XX/XXXX for XXXX, that was within the deadline and accepted by the county tax department.
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| 01/08/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Dear sir/madam, XX/XX/2021 We are seeking your assistance in resolving our mortgage account.
XXXX XXXX account # XXXX AmeriHome Mortgage account # XXXX We have had numerous conversations with the current and previous servicer of our mortgage account with absolutely NO success in getting them to correct our account.
The original loan was closed with XXXX XXXX XXXX on XXXX. We borrowed {$340000.00} for 30 years at 2.375 %. At closing we prepaid interest so our first payment was not due until XXXX.
On XXXX, XXXX XXXX XXXX sent us a goodbye letter stating the assigning the servicing rights to AmeriHome Mortgage Company , LLC. In this letter, they advised us the first payment was to be made on XXXX to them.
On XXXX, we mailed a payment of {$1800.00} ( {$1300.00} P & I, {$220.00} for XXXX XXXX XXXX and an additional {$250.00} towards principal ) to XXXX XXXX XXXX.
Just after mailing this payment we received a welcome letter from AmeriHome Mortgage ( although this letter was dated XXXX we did not receive until after the payment was sent to XXXX XXXX ). This letter states the XXXX payment was to be sent to them ( we assumed XXXX would forward our payment, if necessary ).
Now we are getting dunning notices, threats and calls from AmeriHome Mortgage for the XXXX payment.
We called XXXX XXXX and asked about the XXXX payment they claim that it is theirs and that they forwarded the additional principal payment. ( What about the T & I amount? ) So, we now have XXXX XXXX claiming the XXXX payment and AmeriHome dunning us for the XXXX payment.
We have had numerous contacts with both mortgage companies with NO SUCCESS in resolving this issue.
We are now seeking your assistance in getting a full accounting of our mortgage ( including the escrow account ). Also, we are asking that all derogatory credit reporting be rectified and any late fees be waived.
Prior to this situation we had excellent credit ( 800+ credit score ) and have always set up auto-payment arrangements for recurring accounts.
Please help us rectify this mortgage mess.
PS : our XXXX payment was mailed to AmeriHome Mortgage on XXXX in the amount of {$1800.00} ( again, {$1300.00} XXXX XXXX XXXX, {$220.00} foXXXX XXXX XXXX XXXX and an additional {$250.00} towards principal ) Thank you in advance for any assistance you can render.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX
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| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I bought my house ( a new construction ) in XXXX. My loan was sold to AmeriHome in XX/XX/XXXX. In XX/XX/XXXX, I discovered that AmeriHome had increased my monthly mortgage of {$1600.00} to over {$2200.00}. There was no prior notice from them to explain this. I called them immediately to ask why and that I ( like almost everybody else ) will not be able to afford an additional increase of {$500.00} every month. I had gone further to explain to them that I had changed job in XX/XX/XXXX and dropped salary from a XXXX to a XXXX, yet continued to pay the required amount without complaints. AmeriHome told me that they increased my mortgage because my taxes increased. I went to the County Office and was told that my taxes did not increase, rather they just started taxing me on the house, unlike previous years that only the land was taxed. I tried working with AmeriHome, but they were not willing to. Immediately, I contacted one of the loan servicers that had been mailing me great offers and started the refinancing process with them at a much lower APR of about 2.5 %. I continued making the payment to AmeriHome and then in XXXX and XXXX, they returned my payments and reported me to the credit bureaus for missing payments. The first month of reporting, I dropped XXXX points and then dropped about XXXX points after. One of the AmeriHomXXXX representatives advised that the loan be put in forbearance to prevent further credit score drop and for the issue to be resolved. AmeriHome reduced my monthly pay to {$1900.00} and I told them that it is still too high for me. The company that I wanted to refinance with dropped me after they assessed the house and no other company would refinance my mortgage. Before I knew it, AmeriHome sold my loan to XXXX and I got to know this because the new company contacted me to introduce themselves as my new loan servicer. I called AmeriHome again and they told me XXXX is their sister company and that it was just a transfer ( this I found to be untrue ). I wanted to sue AmeriHome, but I was called away on XXXX to XXXX. The new servicer is trying to modify my loan, but I can't bear refinancing my loan with them for 40 years. AmeriHomXXXX caused great damage to my credit score, making me to pay more for no reason, made me to lose refinancing my home at a much lower APR, and also caused some XXXX XXXX XXXX emotional hurt to me.
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| 11/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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Approximately a year, or a little more ago I obtained a VA mortgage through XXXX XXXX XXXX. Throughout this process I opted to escrow my home owners insurance.
XXXX XXXX XXXX sold my loan to XXXXXXXX XXXX. Shortly after this mortgage company obtained my loan I realized my insurance has lapsed, which confused me because my home owners insurance was still escrowed, and should have been paid by my mortgage company.
I called XXXX XXXX ( who was my home owners insurance company ) and asked them what was going on. They informed me that XXXX XXXX XXXX never paid my homeowners Insurance.
At this point I got both XXXX and XXXX ( who purchased my loan from XXXX ) on the line at the same time, and found out what the problem was. XXXX agreed to reinstate my policy, and XXXX agreed to make the payment.
Fast forward to 3 days ago I found a really bad water leak outside my foundation, flooding my crawl space. I called a plumber, the city, and acted quickly to resolve the problem the best of my ability at this time, to avoid any further issues.
I then called XXXX to see what was covered, and to my dismay they informed me that my policy had once again been cancelled due to non payment. I, at a complete loss, call my... now XXXX mortgage company after XXXX sold it to Freedom Mortgage, and they inform me they have my policy on file, the same policy that is currently cancelled due to non payment.
At this point I get both XXXX, and XXXX on the line and spent SEVERAL hours on the phone deducing the problem.
We all three came to the conclusion that XXXX XXXX paid XXXX 3 months late, resulting in a cancelation, and reversal of {$1600.00}.
XXXX states that they sent that check to me, however I have to this day never recieved a {$1600.00} check.
I now look at my escrow account and see with Freedom Mortgage that I have a balance of {$2800.00} approximately. A mortgage account that show I have active insurance, a {$1600.00} missing check from XXXX.
I also have a Mortgage company that failed to make my homeowners insurance payment resulting in over 6 months in lapped coverage, and future higher premiums, as well as water damage to my house, physical labor that I have to complete on my own, taking time off work, and a house of XXXX children ( XXXX who's XXXX ) who currently don't have running water in the house for the passed 3 days and counting
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| 06/12/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX payment was made via mail. Two checks were written, one in the amount of {$680.00} and the other in the amount of {$690.00}. Mid XXXX a letter was received that the amount had not been paid. I called customer service and was told that by not having the amounts in one single check, it makes the payment non compliant & they have difficulty applying payment. This has happened since my very first payment with this company, where they will receive the payments on time, & in full, but return the checks in the mail and claim that payment is late. They then claimed one of the checks had bounced and wanted a screenshot of the bank balance to show proof there was enough money to cover payment. The bank was contacted who recommended the one check in the amount of {$680.00} have a stop payment placed because they were concerned the company was acting fraudulently. The company kept the {$690.00} check and then issued a check of their own in the amount of {$670.00} dated XX/XX/XXXX. I will not cash their check as it wasnt the correct amount & due to the bank having stopped the payment for the {$680.00}. A separate check had to be mailed back to them due to this. XXXX payment was made online via their payment portal on XX/XX/XXXX and was applied on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX, stating that as of their statement date of XX/XX/XXXX, XXXX payment had not been made. Payments have been mailed in & then returned via mail by company several times. The company then states the payment is either late or missing when in fact, they were paid on time, but because it was paid with 2 checks equalling the mortgage amount and not one single check, they returned the payment. These payment are always made together and not separately. They reported a missing payment for the months of XXXX & XXXX on XX/XX/XXXX which were untrue. This incorrect reporting has caused my credit to be impacted by almost XXXX points. I called today, XX/XX/XXXX, to dispute the missing payments and operator XXXX stated she seen where the payments were made and said she made a note in the account that the payments were made. I have been given the constant run around with the mortgage company who can not, or do not want to, do their job and process mortgage payments and seem very malicious and predatory. I have additional photos for clarification if needed.
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| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX - Requested Forbearance due to financial impact due to COVID 19 - NO CREDIT REPORTING should have been sent XX/XX/XXXX - CFPB filed on Amerihome Mortgage due to consistent conflicting and contradictory information being provided across the Loss Mitigation Group spectrum - I've yet to receive a follow-up call to discuss this complaint.
XX/XX/XXXX - Talk to Ms. XXXX # XXXX who confirmed credit reporting was still being suppressed - rep not clear if XXXX payment is required or not as Loan Modification request was still in process XX/XX/XXXX - 1st " trial '' payment of Loan Modification - NO CREDIT REPORTING should have been sent XX/XX/XXXX - Amerihome Mortgage sent a false report to Credit Bureaus advising I was delinquent and 180 days past due XX/XX/XXXX - realized Amerihome Mortgage falsely reported me delinquent and 180 days ; XXXX called service XXXX XXXX XXXX XXXX Ms. XXXX # XXXX who advised letter of apology was sent by Amerihome to me on XXXX explaining false reporting to credit bureaus and was already being resolved XX/XX/XXXX XXXX XXXX XXXX who advised credit reporting is still reflecting Delinquent - also advised this was a firm-wide issue and i was not the only customer impacted - requested to speak with supervisor. Information taken - no supervisor return call XXXX XXXX Resolution Team ( newly formed ) XXXX XXXX - who confirmed delinquency is still reflecting - she sent email to credit group asap to resolve XX/XX/XXXX XXXX XXXX who indicated no progress - she escalated to another credit team - advised an answer would be available by XX/XX/XXXX XX/XX/XXXX XXXX XXXX who confirmed they received a credit report from Amerihome Mortgage on XX/XX/XXXX indicating delinquent and 180 past due. Also confirmed no reporting from XX/XX/XXXX- XX/XX/XXXX no reporting had been submitted.
XX/XX/XXXX, XXXX, XXXX, XXXX - Messages left with Resolution Hot Line XXXX XXXX - who has yet to return my phone calls.
I explained to multiple representatives this had a disastrous impact on my ability to refinance my home which was in UNDERWRITING at the time of the false reporting - thus the loan was squashed. I have yet to purchase a vehicle which I am in desperate need of because I have no air condition and live in XXXX
Having spent 37 years in the financial industry, it's appalling how bad this company continues to get.
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| 07/26/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We recently fell behind on our payments due to an unforeseen accident. I called the mortgage company after we were able to return to work and our income returned to where it was at before. I advised the mortgage company of my intentions to bring my account current and was advised of deferment program that I may be eligible for. I filled out the required form on XX/XX/XXXX and set up an arrangement to pay {$2000.00} which was half of my past due balance on XX/XX/XXXX, then would call in to see the status of our deferral application. I have 3 complaints when it comes to my attempt to make a payment.
1. I was advised that if I chose to make a payment on my account it would void my application for deferment. I was advised I would not be charged any lafe fees during the review process, but it they would continue to report any delinquencies to the credit agencies. I was advised that the application process can take 30 days to complete. I am being forced to pay the late fees on my account in exchange for protecting my credit score.
2. My monthly payments are approximately {$1800.00} and my past due balance is approximately {$4000.00} with the late fees. I called to pay half the balance, to make a payment for {$2000.00}. I was told that I was not allowed to make a {$2000.00} payment. I was told anything over my {$1800.00} regular payment would be refused and if I mailed a check I would be issue a refund for the difference. I was told I could either pay {$1800.00} or the entire balance. I don't understand why the mortgage company is refusing to take my money.
3. I attempted to make my payment online and through the automated phone service but was only given the option to pay the entire past due balance of {$4000.00}. When I called into the customer service to make the payment, I was told that I would be charged a payment fee for making the payment with a live agent. I was told since I could not make the payment online or through the automated service the only other option I had was to mail the payment. Since there are 5 days left in the month this means that more than likely the payment would not arrive until after the XXXX causing me to be charged additional late fee, unless I overnighted the payment, which would cost more than the payment fee. I feel as though they are using this to extort me into paying an extra fee.
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| 10/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX we completed a recast ( or re-amortization ) of our mortgage memorialized by a Mortgage Modification dated XX/XX/XXXX after having made a principal reduction ( aka a curtailment ) to our loan balance. In our cover letter with the Original Mortgage Modification Agreement and other lender documents we signed and had notarized, we requested a copy of the fully executed copy of the Modification Agreement with AmeriHomes joinder be sent to us for our records.
We sought from Amerihomes servicer and received via email confirmation dated XX/XX/XXXX that all properly signed documents had been received, and that the requisite changes had been made to our account, including the new total payment amount.
By return email XX/XX/XXXX we again requested a copy of the Mortgage Modification Agreement with countersigned or joined by Lenders authorized signatories. On XX/XX/XXXX AmeriHome responded via email that they would send us a copy of the Agreement once executed by their officers but that it could take several months After numerous phone calls, on XX/XX/XXXX, over 1 year later, we sent via USPS certified return receipt to AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35, again requesting a fully and properly executed copy of the Modification Agreement signed by their officers.
They responded by mailing to us, without comment, a copy of the Agreement apparently signed by AmeriHomes officers on XX/XX/XXXX. ( It apparently was left neglected for well over a year ) However, the Officers signature page lacks a notary acknowledgement as to the Officers.
Please note the comment typed under the AmeriHome signature block on page 4 of this instrument the execution of this Agreement should witnessed and the appropriate acknowledgement clause should be added, if these are requirements under local law. In addition, if required under local law or practice this Agreement should be filed of record.
We are specifically requesting that this instrument be properly executed by the Lenders officers, including witnesses and an acknowledgement by a Notary, and that it be recorded in the official records. In the alternative, we request a satisfactory explanation from the Lender as to why this is not necessary under local law, and that the instrument they sent to us meets the requirements for execution under local law.
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| 02/16/2022 |
Yes |
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- Trouble during payment process
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Web |
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In the second half of XXXX, I fell behind on my mortgage with loan servicer, AmeriHome. The reason was my own incompetency -- this was my first mortgage, I did not really know much and was essentially prioritizing other expenses ( drastic renovations ) over my mortgage, which resulted in my loan going into default. To avoid foreclosure, I had to go through the loss mitigation process, which began toward the end of XXXX. I was as responsive I can possibly be with all the requests, responding as soon as I received a request, but because COVID came about, everything took so much longer. They would send me a letter/request via mail and I would get it weeks late. As a result, they also received my responses via mail late. It was very frustrating and I was very unhappy with AmeriHome, but I then realized it really was not their fault, COVID was the culprit, not them, so I got over it. Nevertheless, the process took very long and all the while I was not making payments on my accountnot because I could not or did not want to make payments, but because I was not given the ability to. I asked several times about making payments, but they said I could not make any payments during the loss mitigation process, and the website did not let me. Finally, toward the end of XXXX, AmeriHome said to me, Okay, if you make XXXX trial period payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then we will modify your loan with x and y details. I obliged and made those XXXX payments. Finally, my loan modification finalized and have made my payments on time ever since.
But now, all of those dozen or so payments are reported late on my credit reports, even the trial period payments, and as a result, it is significantly hindering my ability to refinance my home or really get any type of credit. After with speaking with many lenders and HUD counselors, many keep saying that these should not be on my report the way they are. But I am not sure. It sure does not seem right to me, as I was able to make payments throughout that entire process, I was just not given the ability to.
Note : my loan was transferred to XXXX XXXX around XX/XX/XXXX, but my concern lies with the former lender, AmeriHome. I have also tried to dispute this issue with AmeriHome and the credit bureaus with the help of XXXX XXXX XXXX and XXXX and have been unsuccessful.
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| 01/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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XXXX of XXXX I filed for a Covid forbearance plan due to lack of work/income reduction related to the XXXX pandemic. As of XX/XX/XXXX that forbearance plan was scheduled to end. I had just gotten a new job and was prepared to resume my mortgage payments as scheduled. I was offered several different repayment options during my forbearance period, most of which I was either lied to about or AmeriHome refused to provide me with any detailed information about when I requested. When it came time to file for a repayment plan the only one that I was told was an option for me was the Partial Claim. Seeing no other way to proceed, I accepted this. I signed the paperwork as instructed and mailed overnight to AmeriHome on XX/XX/XXXX. I had no communication or correspondence from AmeriHome for several weeks after. With my XX/XX/XXXX payment coming due I reached out to check the status and was told my paperwork needed to be resigned. I patiently waited another several weeks and never received the new paperwork. I reached out again XXXX and was told the request for new paperwork was being processed. On XX/XX/XXXX I still had not received anything and called in again to submit another request for the Partial Claim paperwork. I was told I should receive this paperwork no later than XX/XX/XXXX. Again, I did not receive anything and even AmeriHome representatives were not sure why nothing was being sent to me. The week of XX/XX/XXXX I spoke to another representative that made me aware of a loan modification option in which my mortgage could be extended and interest rate lowered in order for me to resume making payments at a lower amount. This was an option I originally wanted to take but was not offered in XXXX even at my request. Now, paperwork for this option was supposed to have been sent and I was told I would receive by end of XXXX at the latest. As of today, XX/XX/XXXX, I have not received anything from AmeriHome, despite repeated requests, mailed letters, and exhausting efforts. I am growing very concerned that legal action may be necessary to avoid damage to my credit and attempted foreclosure by AmeriHome even though I am ready, willing, and able to resume my mortgage payments. A process that was supposed to be resolved in XXXX has now taken more than 3 additional months which is far beyond any reasonable timeline.
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| 09/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my home on XX/XX/2018, with XXXX XXXX servicing my mortgage. I was notified on XX/XX/2018, that my mortgage was sold to Amerihome. I immediately registered for an online account for Amerihome to attempt to establish a payment for my bill due XX/XX/XXXX. The option to make a payment was not available in my online account at that time ; therefore I contacted customer service who told me verbally that I would have to wait until after XX/XX/XXXX because my account was too new to make a payment that was due XX/XX/XXXX. On XX/XX/XXXX2, I attempted to log into my account and my account had been deactivated ; and when I attempted to register a new account, the system would not allow me to do so based on the fact that I had an existing account. At that time, I attempted to call customer service, which was closed. On XX/XX/XXXX, I called customer service and spoke to a representative who told me I have " stops '' placed on my account until XX/XX/XXXX, which block me from accessing my online account and making payments through the automatic phone system until after XX/XX/XXXX. Meanwhile, I have a bill due on XX/XX/XXXX and XX/XX/XXXX, while I am blocked from making payments online and through the automatic phone system. The customer service representative informed me that the only way to make a payment that is not made through the website or the automatic phone payment system, is through a customer service representative who will charge me an additional {$5.00} service fee to process my payment. In summary, I am blocked from making timely payments online or through the phone system, I am also blocked from establishing an automatic monthly withdrawal from my checking account, compelled to pay an extra fee to make a payment through the customer service representative ( which is the only option available to me ), and do not expect have access to my online account until XXXX. Furthermore, I had planned to make an extra payment to the principal each month, as I had done previously before my loan was transferred, and I am blocked from doing so without paying the additional compulsory fee ; therefore, the mortgage lender is charging me additional interest and PMI charges than I would otherwise pay, if I had full access to my account and was allowed to make additional payments to principal.
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| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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I am a XXXX veteran who recently sold my home and am building a home contingent on my credit. The below mistake is severely impacting my ability to qualify for this home.
I am attaching the most recent report from Credit report provided by my Lender..
As requested I am submitting a written request identifying the error and a copy of the Credit Bureau Report with AmeriHome Mortgage Company showing we have 30+ days late payment however this loan has been PAID IN FULL XX/XX/2018 and due to a delayed closing its showing we missed payment of {$1800.00} ( give or take a few cents ) As mentioned in the below email originally sent XX/XX/2018 to AmeriHome Mortgage and multiple times after. I had explained in detail that our home closing was delayed causing it to appear as a late payment but the mortgage was paid IN FULL XX/XX/2018.
Once I saw this on my credit report I immediately called asking how this could be corrected. I was told to email them which I did multiple times. I also called to follow up and told the same thing. I continued to forward on the request for adjuatment. I never received a response as of XX/XX/2018 so I called and was told this was denied and I would need to call the Credit Bureau myself in which I did. Now I am reaching out to resolve this.
I have made several calls and e-mail attempts to resolve this via CFPB.
I have not missed ANY payments, or paid late at anytime in the 2+ years we have been had our mortgage.
I want you to know that I fully understand my financial obligations, and if it werent for us having a delay on the closing date of our home and the pay off being delayed this wouldnt have happened.
I understand this was a mistake due to unexpected delay on closing but since then WITHIN days the loan was been paid in full. Our history has shown in more than 2 years a record of on-time payments.
We are in the middle of qualifying for VA Loan for new mortgage, and its come to my attention that the delayed payment on my credit report record has severely hurt my ability to qualify.
I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I have recently paid off all of my debt and it would help me immensely if this could be fixed and adjusted to remove the late payment.
XXXX XXXX XXXX
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| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since XXXX, our property has been refinanced three ( 3 ) times with various mortgage lenders with each lender certifying as part of the loan closing process that flood insurance was not required as the property was not located in a SFHA.
Most recently, our property was refinanced with XXXX XXXX XXXX ( XXXX ) and the loan closed on XX/XX/XXXX. The loan was then subsequently transferred to AmeriHome Mortgage for servicing on XX/XX/XXXX. As part of the loan closing process, XXXX certified XXXX flood certification # XXXX XXXX that the property was not in a SFHA and hence no flood insurance was required this certification was less than two months ago and is reflected in our closing documents. AmeriHome Mortgage cites Please see the information below in chronological order : - My property was refinanced and closed with no issues on XXXX with XXXX XXXX XXXX XXXX XXXX " XXXX '' ) - On XXXX, I received a " Notice of Service Transfer '' stating that the new servicer of the loan is AmeriHome Mortgage Company , LLC ( " AmeriHome '' ).
- On XXXX, I received a letter from AmeriHome requesting proof of flood insurance.
- On XXXX, I received a notice from AmeriHome stating that flood insurance was required for the property since it was in a Special Flood Hazard Area ( " SFHA '' ) and that the notice was considered as an attempt to collect on a debt.
- On XXXX, I responded to AmeriHome via certified letter that there was an error and that the property has not been in a SFHA since XXXX based on a new FEMA FIRM being issued and notification from my mortgage bank at the time, XXXX, that flood insurance was not required as the property was removed from the SFHA.
- On XXXX, I received another letter from AmeriHome stating again that flood insurance was required without response to my certified letter.
Bottom line, a mortgage loan was made to me in XX/XX/XXXX and as part of the closing process, certified that flood insurance was not required. Two weeks later, a new servicer states otherwise which is suspect and in my mind appears to be a money grab and violation of Federal law in that due diligence was / should have been conducted during the closing process prior to providing the loan and certainly, if this issue was outstanding, kicking it down to a new servicer
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| 07/08/2021 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/2021, we received a tax delinquent notice that was supposed to be paid through our escrow account. The original amount was {$980.00}. I contacted Amerihome and was told over the phone that the bill would be taken care of and that the process was just delayed. However, in XXXX, I received a formal delinquency notice with a fee attached to the same bill I was notified back in XXXX, this time in the amount of {$1000.00}. Again, I reached out to Amerihome. I was then instructed to send an email of the letter and they would take care of the issue within 10 days. I never received a notice from Amerihome. However, I did receive another delinquency notice of the same tax bill in XXXX with another fee added to the amount of {$1100.00}. I therefore reached out a third time to the company and received instructions to repeat the process of emailing the delinquency notice and waiting 10 days before having it resolved. Within the 10 days, I saw that the bill was paid along with the fees directly out of our escrow account to the full amount of {$1100.00}. When I reached out asking why the bill and the fees were directly paid out of our escrow, we were then told that the tax bill was not their responsibility. Firstly, I would have appreciated being told before all the fees were added so I could have figured this out myself. Secondly, this is the first time in years of living here that we have received a delinquency tax notice that was not the responsibility of Amerihome to pay through our escrow. We have been paying all of our taxes through the escrow just fine previously, so I am not sure how they can decide one year that the tax bill is not their responsibility to pay.
Later, as of XX/XX/XXXX, we then received a delinquency notice of our Home insurance. To prevent cancelation of our policy, we paid the month directly out of pocket to the amount of {$270.00}. In discussing this with Amerihome, they are claiming that the house insurance company has not provided any info for them to pay. I am not sure what info was required because we have used the same exact house insurance company since the purchase of the house. In discussing the issue with our house insurance company, they stated that Amerihome was simply not paying the renewal insurance policy.
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| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX I sent a check for {$39000.00} to have the PMI removed and to have my loan recast. On XX/XX/XXXX, the PMI was removed, but there was an issue with the recast. I called monthly asking for an update and kept being told, that an update was owed in the next month and to call back if the issue remains open. This happened over and over. I had an email get locked and called trying to get information that was in the locked email, but was told no one could help me. IT said that it would unlock in 24 hours and to try again. This was incorrect and no one at the modifications email would respond to my requests for more information on the locked email. I kept asking to speak to someone in the modifications department. I was repeatedly told to email them, I emailed the department and never got a reply. Repeatedly. When I would complain about this to the customer service rep, they would shrug and say all they could do was send an email. Finally I demanded to speak to a supervisor. I was told my call " did not qualify for escalation, as the supervisor would just repeat what I had already been told. '' I was livid and went off. Finally, I was escalated to a supervisor, after XXXX months of trying to get assistance, and was told that Amerihome was waiting on a notarized letter from us. I never received the letter and that is why they had been holding the recast, but no one would answer me or advise that the letter was needed. The supervisor sent a copy of the paper via certified mail to ensure that we got this. We returned this letter on XX/XX/XXXX via certified mail, due to the continued issues we have had. The next week, we called in and my husband and I got different stories. I was told the letter had not been received and to just wait for our mortgage to go to the new company to perform the recast. My husband called in as I was so frustrated. He was told EXPLICITLY that the certified letter had been received and that the recast would occur on Monday XX/XX/XXXX before our loan was sold on XXXX. I called in on XX/XX/XXXX and was told that no the letter had not been received and once again to wait until we are sold tomorrow. I am so flustered with the disjointedness of this company and the flippant behavior that they have towards their customers.
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| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Fees charged
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Web |
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Dear Ameri Home Mortgage, L.L.C.
I trust this message finds you well. I appreciate your swift response and the breakdown of the mortgage payment details. Upon meticulous review, I wish to highlight certain inconsistencies : Principal Amount : The listed principal amount for XX/XX/XXXX to XX/XX/XXXX is {$1000.00}, which doesn't align with the mentioned {$1300.00}.
XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} Total : {$1000.00} ( not matching {$1300.00} ) 2.Total Principal Calculation : XX/XX/XXXX, to XX/XX/XXXX : {$3100.00} ( not matching {$3100.00} ) Escrow Amount : Total Escrow Paid : XX/XX/XXXX, to XX/XX/XXXX : {$440.00} ( for each month ) Total Escrow Paid = {$5200.00} ( not matching {$6100.00} ) Interest Calculation : Total Interest : XX/XX/XXXX, to XX/XX/XXXX : XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Total Interest = {$14000.00} ( not matching {$15000.00} ) Total Payment Calculation : Total Payments Received : {$24000.00} Sum of Principal, Interest, and Escrow = {$22000.00} ( not matching {$24000.00} ) While the total payments received are {$24000.00}, the sum of principal, interest, and escrow is {$22000.00}, not matching the total payment.
Differences : Differences in calculations : {$1800.00} ( XXXX ) + ( XXXX ) + ( XXXX ) Additional Escrow Payment : 3.A supplementary {$1500.00} was made towards the escrow account, which doesn't seem to be included in the payment breakdown.
I would appreciate your assistance in clarifying these discrepancies to ensure accurate records and a clear understanding of the payment structure.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely, XXXX XXXX
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| 12/01/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am the non responsible spouse on the Mortgage. I have been and continue to be the only occupant of the home since XX/XX/XXXX.
On XX/XX/XXXX, Amerihome, mailed a letter addressed directly to me.
On XX/XX/XXXX, after receiving the letter addressed directly to me I contacted Amerihome at the number, XXXX to request a forbearance due to XXXX impacted by COVID-19. At the time of the call the agent verified that I was on the account. During the call the agent informed me that the forbearance would be applied and I would receive a letter in the mail.
On XX/XX/XXXX, after not receiving the letter, I called the same number ( XXXX ) to verify the forbearance was in place and to inform Amerihome that I had not received the letter.
The name of the 1st employee I spoke with is XXXX XXXX # : XXXX. XXXX refused to provide any of the information I requested. XXXX stated he could not speak with me regarding the loan. I asked XXXX why would I receive a letter addressed to me if he couldn't provide me with the information I requested. XXXX repeated the statement that he could not provide me any information. I then asked XXXX who could provide the information and did he see the letter addressed directly to me. XXXX said he couldn't tell me anything. I asked XXXX for a contact for someone who could talk with XXXX said a manager could not call me because no one could discuss the loan with me and gave me a phone number to call. I dialed the number XXXX provided to learn it was bogus.
I dialed Amerihome back at, XXXX on that call I spoke with XXXX XXXX # : XXXX. He informed me that he saw XXXX 's notes and he ( XXXX ) couldn't provide me with any information regarding the forbearance or the loan.
On XX/XX/XXXX using the information provided on AmeriHome Mortgage website ( Legal information Doc ) i filed a complaint with the Department of Savings and Mortgage Lending and with AmeriHome Mortgage. I have not heard back from AmeriHome Mortage to date.
AmeriHome actions have put my home in jeopardy. I believe Amerihome is intentionally trying to force a foreclosure. Because of tAmerihome 's unwillingness to communicate with me I had to get Home Insurance without having any of the correct information from AmeriHome. I need this resolved now.
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| 02/12/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been trying to get a loan modification with AmeriHome Mortgage since the beginning of XX/XX/XXXX. I sent in my workout package on 1-2. I have made contact with them every week since then.
On XX/XX/XXXX I was told that the Uniform Borrower 's Assistance form I sent needed to be the 5 page version, with signatures on different pages. This made no sense to me on several accounts. For one, my wife and I are married and file taxes together and our lives are joined in every way including financially. Why I would be asked to sign on a separate page is beyond me. Even stranger was the fact that I could not even find a UBAF with separate pages for signatures which was even more strange. I sent a 5-page UBAF with both our signatures in the full expectation that my file would move forward. I was again asked to send in a 5-page UBAF with separate signatures and I called back again on XX/XX/XXXX to tell them that I am not sending any more UBAFs because they can't seem to explain what UBAF I am even supposed to send in that would be acceptable let alone this nonsense with the signatures. On XX/XX/XXXX, I called in asked asked them to send me whatever UBAF they would accept. They send me the one attached named " FRAUD. '' The reason for this descriptive name is that the application has different dates along the bottom. Some say XX/XX/XXXX while others say XX/XX/XXXX. While it does have separate pages for the borrower and co-borrower, I can not in good conscience sign this form. The documents are clearly fraudulent and have been tampered with compared to the authentic application from the FHA website. I will not allow AmeriHome to coerce me into committing fraud, nor sign the fraudulent papers they have sent me. And if this the standard application they send to all of their clients, I am deeply concerned not only on this atrocity committed to me, but to all of AmeriHome 's clientele. What's worse is how they have spent a month now continuously rejecting an authentic FHA UBAF from XX/XX/XXXX ( also attached ). AmeriHome mortgage is refusing to accept genuine FHA paperwork for inane reasons while trying to coerce me and who knows how many other homeowners into signing their fraudulent alternatives and they should go out of business.
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| 09/03/2019 |
Yes |
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- Trouble during payment process
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Web |
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This is the third complaint I have filed against Amerihome Mortgage.
The two previous complains are : XXXX XXXX A summary of the previous problem : Amerihome mortgage did not renew our insurance policy and let it lapse due to internal error. They did not notice for well over a year when I brought the issue to their attention. After my CFPB complaints, their remedy was to place back insurance on our account at no cost to us ( because we had a gap in insurance history which made us uninsurable ) and to apply new insurance on our home of equal value moving forward. They would find insurance OF EQUAL VALUE to apply to our home, and cover any additional costs over our original premium.
The new problem : Once again, Amerihome Mortgage did not act in good faith. They have been dishonest throughout this entire experience. The new insurance claim that they bought for our home ( which we had no say in ) was not of equal value to our insurance. In fact, they chose to add an optional rider to the policy to make it cheaper for themselves ( because they had to pay any amount over our original policy ). This optional rider makes it so that our insurance does not cover water damage from plumbing or appliance leaks. Our old policy DID cover water damage. This rider is OPTIONAL in my county. Amerihome decided to add it only to save themselves money over our safety.
We were not asked about this rider, nor asked if we wanted it included in our policy. Because of their promises, we thought we were getting the exact same level of insurance we purchased previously.
Well, our AC or Slab now has a leak, and has caused tens of thousands of dollars worth of damage to our floors and baseboards. Because of Amerihome 's decision to skirt the CFPB 's ruling, we are not covered to have any of this damage replaced and must now pay out of pocket for the repairs. We do not have the money to do this, and the mold/bacteria is getting worse every day. It will be MUCH worse after we loose power from Hurricane Dorian and will not have AC to cool the home for an undetermined amount of time. My family will have health issues from this problem.
How many times must Amerihome step on our necks before full reparations are made and they are held accountable?
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| 02/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have recast our mortgage by paying {$100000.00} toward the principal ; reducing the principal from roughly XXXX to XXXX. The mortgage service provider - AmeriHome Mortgage - received the wired money on XXXX XXXX. I am having two issues with AmeriHome : 1. They want to charge {$250.00} for the mortgage recast. Before we refinanced our loan in late 2019, I was looking to recast our mortgage for the same amount down ( {$100000.00} ) with XXXX - our loan service provider. They were only going to charge {$50.00}. Given that that AmeriHome 's charge is 5x as much as XXXX, I find the the {$250.00} charge a penalty for early payment toward my mortgage. This goes against the loan agreement that I signed when refinancing the loan, as this is a penalty, not a service fee. I am happy to pay {$50.00}, as that seems reasonable, but it is not my responsibility to cover AmeriHome 's poor administrative operations that may require a 5x charge versus their competitor. I have contacted AmeriHome several times by email regarding this issue, and they have not responded favorably.
2. We have been trying to set up regular payment from my wife 's bank account for the new loan amount. However, AmeriHome 's website is not allowing us to set up they payment for what is stated in the contract. In fact, they are insisting on-line that we pay the old payment amount, which is about {$500.00} more monthly that the recasted amount. We have a contract that we will be notarizing to send to AmeriHome, that specifically states the amount that we are trying to set up for automatic payment. Upon speaking to an agent for AmeriHome, they said that they should have the amount corrected by the end of the week, but that we would only have a week to get it set up - by XX/XX/XXXX. Why does it take them 3 weeks ( from receipt of the XXXX ) to enter proper coding, but they only give us 1 week to set up payment? It looks like they are trying to make us fail in the payment.
I am having a hard time with AmeriHome as a customer. XXXX was so much superior to AmeriHome, and I wish they were handling our mortgage. AmeriHome is not customer friendly, they are usurious and they are going against the contractual agreement that we signed with our refinancing.
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| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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To whom it may concern, I am filing a dispute against AmeriHome Mortgage. The company reported a deliquency in my mortgage payment stating I was behind XXXX months of payments although, as of XX/XX/XXXX, I was enrolled in auto XXXX XXXX. I had recieved confirmation that my first Auto pay would process XX/XX/XXXX. On XX/XX/XXXX my Mom was having XXXX XXXX and she became my priority focus. It was not until XX/XX/XXXX I realized my credit score had been affected ( drop in points ). While investigating what happened, I came to realize that it was from AmeriHome Mortgage stating I was behind on two payments. This was a suprise to me since I had confirmation I was set up on auto pay. Because AmeriHome is closed on weekends I was unable to contact a representive however, I did immediatley, on Saturday XX/XX/XXXX, make an on line payment to AmeriHome. On Monday XX/XX/XXXX, I contacted AmeriHome and explained the situation. They stated my payment I made on Saturday XX/XX/XXXX had not come through yet. I offered to make the entire payment over the phone and they would not let me make a partial payment over the phone until that payment came through. They also stated I was a new costomer so it would take a few months for the auto pay to go into effect but it should be working by XXXX. I have a verification that was sent to me on XX/XX/XXXX stating I was enrolled and the first payment was to come out on XX/XX/XXXX. ( See Attached ). I asked how I can get this all cleared up and remove the deliquency from my credit report and they stated I needed to file a complaint with the credit bureau.
Series of events : On XX/XX/XXXX I started service with AmeriHome Mortgage XX/XX/XXXX I was confirmed that I was enrolled in Auto pay via email from AmeriMortgage XX/XX/XXXX discovered AmriMortgage did NOT utilize the Auto pay I set up for the month of XXXX or XXXX.
XX/XX/XXXX electronic payment for the month of XXXX made XX/XX/XXXX I spoke with representive that informed me they do not see the electronic payment yet and that they could not take any payment from me until the posted payment is cleared and that I will need to call them back when that happens. They also told me to contact the credit Burea to file this complaint.
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| 08/15/2017 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.
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| 10/08/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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My mortgage company keeps redirecting my monthly statements to other addresses.
Ive corrected them several times over past 8 months.
Recently, i requested a loan modification or forebearance due to 2 missed payments and corvid19.
They refused forebearance since i had included 2 other missed payments in a bankruptcy.
My bankruptcy attorney had to send them 2 letters because my mortgage company refused to work with me directly. He did this. Now the mortgage company is sending my mail coorespondences to a different attorney in another State ( Florida ). I requested help with this multiple times over the past 4 months. I recently requested to speak to a supervisor. The representative ( employee # XXXX XXXX said no supervisor was available. She said someone would call me. I received no call back. I wrote them multiple times regarding not receiving any correspondences regarding my loan modification process. I still have not received any correspondences about my loan modification. The reps told me multiple times my mail was going to an unknown attorney in Florida.
I started this loan modification process XX/XX/XXXX. I followed up twice only to find out they wanted additional information. I responded to bith request. I called again to find the status because i never received any coorespondences with this matter. The rep said they approved a loan modification, but i have no idea what it is. I spoke to employee # 'a XXXX, XXXX, XXXX and 2 others at least It is now XX/XX/XXXX and i am nit getting my monthly statements or any coorespondences regarding this lian modification. They will not send me my mail. They received a cease and desist order from the misdirected mail sent to the wrong attorney in another state. This address change isdue in my mortgage has been constant since my mortgage was sold to them in XX/XX/XXXX.
I need assistance with matter since its an ongoing issue with my address constantly being change and not getting my mortgage statements. Additionally, my personal mortgage information is being exposed to many different addresses and the wrong attorney or consumers. Can you please help with this mortgage company wrongly exposing my personal information ti unknown individuals and others.
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| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I initiated a biweekly payment program with Amerihome Mortgage to pay down interest faster in XXXX of 2020. In doing so this required me to give them access to my bank account. When I received my statements the payments were being deemed 'partial / unapplied ' payments. I called on this in XXXX of 2020, where I was told there was an issue and I was being escalated and a manager would call me back and the issues would be fixed. I was informed on this call that it would take 24-48 hours for a manager to call me and 30 days to fix the issue. After waiting 6 weeks my I received my next statement read the same way 'partial/unapplied payments. ' I called again where I told that Amerihome didn't offer a program where the payments would be applied to pay down the mortgage faster, but a manager would call me back. After no call back I called 5 days later, I was told a different story that it was supposed to be applied, they would fix and a manager would call me back. I finally called and canceled this program, I finally got a call back! It was not a manager it was a customer service rep stating I owed another 1/2 payment prior to XX/XX/XXXX to not fall behind ( again told a manager would call ). On XX/XX/XXXX I made the agreed upon 1/2 payment. At point after having 2 confirmations that my bye weekly payment was canceled Amerihome stole money from account in the amount of a 1/2 payment. I called to complain, the rep said the monies would be returned in 24 hours and a manager would call me back. 3 days later I had another 1/2 payment stolen from my account. I have now called every 2-3 days talking 5 additional people saying I would have my money overnighted back and have within 24 hours and a manager would call back in 24-48 hours. In all, I believe I now have called 11 times, no manager call back, no monies returned to me. This company has no issues in stealing your money and hope you go away. In this time of a panademic, if they are doing to this people without a concern for there well being it is just sad. I could not even speed up their process of getting a call back using the term you, 'stole my money. ' Please help!
Last 5 people spoken to XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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AmeriHome Mortgage sent me XXXX Loan Statement, which I paid, and then transferred my loan to XXXX, also effective XX/XX/XXXX. By doing so, AmeriHome created a situation that forced me to pay my XXXX payment twice, but only get credit for it once. AmeriHome is now retaining that last payment, while refusing to provide my payment history.
This situation was caused largely by AmeriHome sending my XXXX statement too early. It was dated XX/XX/2021. I paid the full XXXX payment online and received a confirmation number. The very next day, I received a notice by regular mail that my mortgage had been transferred to XXXX Mortgage, effective XX/XX/2021.
When my XXXX mortgage statement arrived, it was also for the month of XXXX. It did not reflect the XXXX payment that I had already made to AmeriHome. It shows the exact same principal balance, as if the last payment to AmeriHome was not made. But, it was made and I have the confirmation number.
I contacted both companies. XXXX indicates that they are working off of the information they got from AmeriHome. That makes sense because I received the XX/XX/XXXX AmeriHome statement just one day before the notice of the transfer to XXXX.
When I spoke to the AmeriHome representative on the phone, she acknowledged that my payment was received, but she says it must have been applied to a prior month. This suggestion is inconsistent with the statement balance : the AmeriHome XXXX statement ( dated XX/XX/XXXX ) reflects the principal balance that matches my first XXXX statement balance. There is no way that AmeriHome applied my last payment correctly. They just kept the money. Also, it does not match my own payment records or the statement I was sent, so I asked AmeriHome to provide a payment history.
That was three weeks ago, and AmeriHome has failed or refused to provide it. When they provide it, it will not support their position. AmeriHome owes me that payment. AmeriHome also deactivated my online account when they transferred the servicing of my mortgage to XXXX, so I can not get access to my payment history there.
Because I did not want this to affect my credit, I was forced to make the XXXX payment again, but the second time to XXXX.
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| 03/30/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was injured on XX/XX/XXXX and required emergency XXXX on XX/XX/XXXX which caused a hospital stay and for me to be out of work for 12 week as I was completely XXXX. I have my mortgage through AmeriHome Mortgage and contacted them immediately I believe around XX/XX/XXXX to get loss mitigation/forebearance plan processing as I was going to be out of work and unable to walk for that matter. I submitted all of the necessary documents and was told it would take 30 days. I received information back stating I had made error which i corrected and sent back to them. I called weekly asking if they had all the information they needed and was told yes each time. They told me then they had 30 days from XX/XX/XXXX to make a decision. Meanwhile, I had been getting foreclosure letters in the mail every other week, had been continued to be told nothing else was needed, was signed on my credit report, and was told on XX/XX/XXXX one day before a decision was to be made that they needed a proof of hardship which I got to them. I called them and told them I did not have access to fax machine as i could not even walk. They told me to upload documents and send via email and put on subject line loss mitigation along with my account number. Spoke with a very nice lady on XX/XX/XXXX who told me they had not received my documents and note said I would fax them which clearly could not have happened so she was going to try to get it handled for me. I continue to have no answers almost 90 days later, my credit score has been impacted and this has not at all been good for my recovery especially mentally. Dealing with them has been a nightmare and no one can help me or give me answers. They ask if i have friends I can borrow from? Which I think is totally unprofessional and acceptable given they are suppose to be helping me. They have been punishing me for being injured and I would like this cleared up as soon as possible. I have not backed down and have worked with them and gotten them everything they need in a timely matter even with being laid up for 12 weeks. This has taken a toll on my mental health and in no way seems just or fair. Please advise! Thank you for your time
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| 10/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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On Wednesday, XX/XX/2023, I called AmeriHome Mortgage to get a payoff amount for my note. That payoff amount was posted in my documents in my online portal. It had the payoff amount that was due on XX/XX/2023 plus an additional daily fee of {$110.00} per day after XX/XX/2023. On XX/XX/2023, I sent a wire to AmeriHome in the amount of the payoff plus the {$110.00} due to it being the next day. The wire arrived after XXXX, so AmeriHome viewed it as short and expected another {$110.00}. They did not call. The did not provide any information on this in the portal. I called customer service on XX/XX/2023 and spoke to an agent who said it would be fine and that it takes a day to process wires received after XXXX XXXX on the previous day. Lo and behold, On Monday XX/XX/2023, I called customer service again because the rejected wire was not put in my bank account due to what they called the short amount of {$110.00}. I spoke to an escalation agent - XXXX ID XXXX XXXXXXXX and he said he would be sending the wire back, he was opening up a case and that he was filing a complaint on my behalf. All of which was not done as of XX/XX/2023 ). XXXX said that the " short wire '' amount would be returned to my bank account in 24 to 48 hours. That means at the latest, the wire transfer should have been received back in my bank on XX/XX/2023. On XX/XX/2023, the money is still not in my bank account, no case number had been opened, no complaint was filed and no answers were provided in writing, in a phone call, an email or a letter. AmeriHome held my money for a week and that costs me {$110.00} per day in interest. This is fraudulent and deceptive as the money is not theirs and by holding my money and delaying its return, they in essence maximize the amount of fees they are able to generate because each day that goes by costs me {$110.00}. There is no reason that they should have held my money as soon as they claimed it was short. It was wired to them and they should have wired it back. They are deceptively creating additional fees that is costing me real money and there is zero communication about the resolution from the company as of XX/XX/2023. Buyer Beware!!!
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| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My home loan was transferred to Amerihome at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from Amerihome in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to Amerihome Mortgage Company , LLC to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly.
I never received any additional letters or notifications from Amerihome until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ).
I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment.
I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent.
Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at Amerihome to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my Amerihome mortgage by this scam they seem to be running to try and get late fees from clients.
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| 11/26/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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i was going thru a company XXXX XXXX to get help on making my payments so on XX/XX/XXXX i received a letter in the mail about my payments is said to sign the paper work so that way i can keep my house so i did send it back and so then i received a email from XXXX XXXX saying i got denied bc i was put on forbearance on my mortgage so i called and trying to find out whats going on no one could help me they are all being rude so i asked for a manager or a supervisor and i was told they dont get on the phones and talk to costumers i was trying to find out why i was told b/c i dont have a valid reason to talk to one this was on XX/XX/XXXX and so they finally transfer me to a manager his name was XXXX so then he said he will look in to this and get back to me before XXXX bc this was at XXXX in the morning so then i waited no calls at all till XX/XX/XXXX i received a call from XXXX she told me she was from lost mitigation and so i asked her who was the guy i talk to on Monday and then i hear hold music so i said ok ill wait so i did then she hu the phone so i called back at XXXX on XX/XX/XXXX and i spoke to the manager his name was XXXX so then i asked what happened to the call and did he ever find out who put me on forbearance and why was i put on that without anyone calling me and approving that he said oh i was sick o i left early. and then i asked him if he was a manager like he said he was he said no he is a sr rep i asked him why is he miss representing himself he said he is not manager and supervisors dont take any Calles and they won't talk to me i asked him i need to find out who put me on forbearance and why was i put on that if the XXXX XXXX was calling to make payments he said he does not know he has not got anything back i asked what did he do to get that he said nothing bc he was sick i then asked for a supervisor he said they dont have one and so i advised him then i will make sure they call me after i file this complaint and ended the call. and i attached the letter i got from XXXX XXXX bc someone put me on forbearance, and they won't help or pay anything bc of the forbearance on the acct till XXXX of XXXX that i never asked for
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| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Processed required information to move from a regular monthly payment to a discounted, semimonthly payment to automatically be withdrawn on the XXXX and XXXX XXXX of each month. I paid {$4000.00} to initiate the program. That arrangement was initiated on approximately XXXX XX/XX/XXXX.
Three months later I was notified that I was three months behind on payments again. I contacted AmeriHome again, and they admitted that things were in order, and it should have begun, but I would have to pay another {$4000.00}, which included a late fee. Also, I had to complete the paperwork again. I did as directed. That was approximately XXXX XX/XX/XXXX. Being as it was their mistake, I asked that I be granted a refund of the late fees and was told I would have to send an email with that request. An email was sent to AmerHome that day. Now, almost eight months later I have still received no response.
In XXXX, XXXX, due to a change in fee structures at my bank I was forced to change the account form which my house payments were being made. I immediately notified all of my utility companies and Amerihome of the account change. I was told to fax a form from their online items. I did so immediately.
Now, XXXX XX/XX/XXXX I received a letter stating that I am behind again. I called Amerihome to see why the process did not continue. I called them on XXXX XX/XX/XXXX at XXXX and was on hold for 13 minutes and 43 seconds. I was disconnected and called back at XXXX and was on hold for 14 minutes and 28 seconds. When I finally spoke to someone I asked to speak to a supervisor. None were available and I was told I would contacted XXXX, XXXX XX/XX/XXXX. I was not contacted.
I called again XXXX, XXXX XX/XX/XXXX at XXXX was on hold for 16 minutes and 28 seconds. Upon speaking to an agent I asked to speak to a supervisor, but none were available as it is their protocol to arrange for a supervisor to call back. I was assured it would be with in the next eight business hours. Again, no return call.
Incidentally, I am currently on hold with them again now, XXXX XX/XX/XXXX. This call was initiated XXXX and I have been on hold for 21 minutes and counting.
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| 02/02/2022 |
Yes |
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome mortgage. We bought our home in XXXX of XXXX. We have made every payment online since then every month to Amerihome through our online account with them. On about XXXX i received a phone call from their debt collection department asking how we can bring our mortgage current as they have not received one payment. I asked how that can be because I have made every payment online and had never received a phone call a letter nor an email that we have ever even missed a payment. Told the representative that i can gather my bank statements and would send those to them. That was the day before XXXX so they were closed until after the holiday weekend. I called first thing the next week spoke to a gentlemen received an address of where to mail which was Amerhome Mortgage XXXX XXXX XXXX XXXX XXXX Tx XXXX and an email account where i mailed my bank statemts as well as emailed and he said allow about a week and to check back. About a week and half later i received my bank statements back from the mailing address with a sticky note from XXXX XXXX XXXX. attorney that said please send this to your lender that they could not find my account. I immediately called them back said thye had no idea what that was about and saw my emial with my bank statements and would work on finding where my payments had been applied. I have had several phone calls with them each one not finding where any of my payments are. During this back and forth it has now been sent to their attorneys XXXX XXXX XXXX and i have called and left messages and sent a message via their website and no response. Have talked to Amerihome customer service and all they say is they can see the notes but I need to talk to XXXX XXXX XXXX but XXXX XXXX XXXX doesnt answer phone or return calls. Now I am in foreclosure when I have never missed one month of payments. At this point I do not know what to do. I will attach my bank statemnts showing every payment I have made through XX/XX/XXXX. XXXX payment XXXX was also made online and XXXX was made on phone with them and they can not even find that payment. Thank you any help would be appreciated.
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| 07/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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AmeriHome Mortgage Company began servicing my loan XX/XX/XXXX, and for the most part have handled it OK. All of that changed starting XX/XX/XXXX as I sought to refinance my loan with a company called Total Quality Lending ( TQL ) XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX XXXX CA XXXX
Although I did sign a disclosure that allowed TQL to order documents for the express purpose of managing my refi loan, I expected they would act diligently, with proper judgement at no cost to me, unless permitted otherwise. Low and behold, I was shocked to learn that AmeriHome had issued payoff statements to TQL 9 times over a 5 month period -- yes, I said 9! I later learned that AmeriHome charged me {$60.00} for each payoff statement, the maximum they are apparently allowed under Nevada law. At no time did AmeriHome consider that their customer -- me, would be highly concerned about these charges. Further, they never contacted me to let me know what was going on. I could have tolerated XXXX or XXXX charges, but XXXX is an egregious abuse of the fiduciary relationship that I entrusted them with. Sure, TQL could also have informed me of the continued charges racking up on my account, but their agent woefully didn't know any better, or was outright negligent! Never did he mention any fees for Payoff statements. Despite my efforts, TQL would not accept any responsibility for the charges totalling {$540.00} ( {$60.00} x 9 ), stating that AmeriHome was the entity that assessed me for each payoff statement and I would have to work with them for restitution. I wrote several letters to AmeriHome which I've uploaded to your site, requesting that at least 7 of the charges be waived and was promptly denied. Please safeguard account numbers and other personal info contained in them, as you've indicated in your directions. I also spoke to at least 10 different Customer Service reps and got the same response. Bottomline -- AmeriHome 's reckless actions, while complicit with TQL, caused me financial harm and emotional stress through this ordeal. I am asking CFPB to intercede on my behalf. Thank you in advance for your support!
-- XXXX XXXX
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| 12/17/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation.
A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease.
Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process.
My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.
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| 07/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our home was heavily damaged by Hurricane Michael XX/XX/XXXX. After lengthy battles with the insurance companies, we have finally received the funds needed to repair the home. However, we are required to send our check to Amerihome for disbursement. This is the second time we have had to do this, and once again it has become a circus of incompetence, inaccuracies, and misinformation regarding the process to receive OUR money. The check was sent to Amerihome XX/XX/XXXX. It is now XX/XX/XXXX and we still don't have all the money released to us for repairs.
1 ) We are required to call about every three days for instructions or updates. Every call results in a different answer, different process, different requirements. How is everyone not on the same page. This is a tremendous waste of our time.
2 ) We have submitted lien wavers, contracts, and receipts. we have been told they're incorrect, not needed, or we need a different form??? Which is it?
3 ) As stated, we went through his with the first round of checks. Now the process is different per Amerihome, even though it is the exact set of circumstances as before.
4 ) They advise to log in to account to check status of checks. However we were told that's not possible, we have to call every time we want info. And every call results in a different answer.
5 ) We have been told disbursements would be made in X, Y, and Z amounts. This amount changes every time. We were told submit receipts and get reimbursed. Submit contract and they would send money to the contractor. Finally today they said only about 1/3 of the money would be sent, and after work is 100 % done, final payment would be made. How are we supposed to fix house to 100 % without 100 % of the money?
Again, after over a month of back and forth with no consistency in the process, we are still waiting for our money to fix the house. And it's even scarier to know this same company manages our mortgage. We just want our money now and we want our house repaired without having to deal with such XXXX. It's been almost 2 years since the storm and I don't need Amerihome dragging this out any longer.
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| 02/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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There was a previous complaint filed as follows, and a new problem with a double payment to the XXXX County Tax Office : 1 Previously, " AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/XXXX. The escrow was paid out by AmeriHome Mortgage, XXXX XXXX XXXX on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. This problem is causing undue hardship toward myself and is unnecessary and unreasonable. AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX '' 2. Update : I was promised on XX/XX/XXXX by an Amerihome representative XXXX ( a very polite and nice lady ) that a new check for {$2400.00} would be sent the next day via overnight mail with a tracking number. That never happened and was informed much later on XX/XX/XXXX that it was put into the regular, non-trackable, unsecured mail by accident. Amerihome has a questionable record with checks getting lost in the mail, but now I'm expected to wait patiently for 5-7 business days, to see if it gets lost in the mail again.
3. Via XXXX County Tax Office, it is reported that Amerihome actually made a tax payment of {$6400.00} when there was a {$0.00} balance. There was a {$0.00} balance because XXXX XXXX XXXX made a payment on XX/XX/XXXX, almost a month prior. I informed the Amerihome Rep. XXXX of this situation. XXXX looked into it and left me a voicemail on XX/XX/XXXX. Incorrectly, XXXX said {$6400.00} was refunded to another Escrow company XXXX XXXX. After viewing the tax report and verifying with the XXXX County Tax Office, the money {$6400.00} was refunded to Amerihome XXXX XXXX XXXX, and somehow they don't know that.
4. There is a clear disconnect with Amerihome and I'm requesting outside intervention, with regard to the escrow balance of {$2400.00}, and the double payment to XXXX County for {$6400.00}.
Thank you, XXXX XXXX, XXXX
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| 10/27/2019 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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In XX/XX/2019 I closed on the refinance of my home loan.The mortage broker sold my account to a new loan servicer, Amerihome. Along with that I was able to skip a payment to my new loan servicer. I made the first payment to Amerihome Mortgage in XX/XX/2019. Before I could make a second payment, I received word that an escrow analysis had been done and I was approximately {$680.00} short and my payment would be increased XXXX starting in XX/XX/2019. My current mortage payment is XXXX. I want to mention that beforeI refinanced, I had changed mortage insurance due to rising costs and had a rate I was comfortable with. Also my state property taxes decreased this year. So the shortage was not due to takes or insurance increases. According to customer service, the shortgage is due to their requirement that I have an escrow extra reserve. Amerihome states I can pay the amount upfront if I do not want a higher mortgage payment, Otherwise I will pay a {$56.00} higher monthly mortgage payment for a year. I was also informed if I request, I can spread the repayment amount over 4 years. I am wondering if this escrow shortage is vital, how could replacement be dispersed over 4 years? I am wondering also if it is common practice to complete an escrow analysis on a new customer? I feel like Amerihome examined customers escrow who have a lower monthly payment and interest rate and reasoned that there is room for increase. I had a rough period 3 years ago with my mortgage payment. It helped my to refinance to a low interest variable rate for a while. I have now finally refinanced back to fix rate to what I thought was a comfortable payment to have it increased in less than 2 months? During my rough period I had XXXX as loan servicer. I am concerned to discover that they are associated with Amerihome. I went through the closing process, all the costs were calculated before the documents were signed. How could a loan servicer do this to a new customer and more importantly, they should have performed an escrow analysis before buying my account and possibly declined, to help prevent a situation such as this.
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| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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I purchased my home in XXXX of XXXX. I did not qualify for the homestead exemption deadline and the house property taxes were approximately {$5000.00}. On or about XX/XX/XXXX, I contacted my mortgage servicer providing the new tax amount for XXXX and requesting that they recalculate my escrow. The new taxes for XXXX ( as provided by proof from the county courthouse and sent to the mortgage servicer ) would be {$2400.00}. Shortly thereafter on or about the XXXX of XXXX, the mortgage servicer sent me a check for approximately {$2800.00} and improperly stated my XXXX taxes to be {$2400.00}. I contacted them, made them aware of the error they made, and I was instructed to destroy the check. On or about XX/XX/XXXX, I received a notice that my escrow balance was underfunded by {$1900.00}. On or about the XXXX of XXXX, I contacted the mortgage servicer and informed them that they sent me a check in error, that they needed to remit the proper tax amount to the taxing authority for XXXX, and that my escrow fund was not under funded. On or about the XXXX of XXXX, I was informed by the mortgage servicer that given my reduced property taxes that my monthly payment would be reduced to approximately {$1800.00} from {$2000.00} ( this is actually correct using the proper taxes for XXXX as I have provided them proof of same ). On or about the XXXX of XXXX, XXXX, I was informed by the mortgage servicer that my escrow account had been reanalyzed and that my new payment would be increased from {$1800.00} to {$2100.00}. The mortgage servicer was now using the incorrect XXXX property taxes of {$5000.00} not the reduced and corrected amount of {$2400.00} that was provided earlier by the me and supported by documentation from the county courthouse. In summary, my XXXX property taxes are approximately {$2400.00} and my total loan payment for XXXX with a properly analyzed escrow fund should be approximately {$1800.00}. I have spent endless hours on the phone, writing emails, and talking to representatives. This is plain and simple math. They should make the correct adjustment and move on.
XXXX taxes were
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| 12/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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We began with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was a check that did not arrive so we submitted payment over phone XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds did not come back to our account. We had to submit another XXXX for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome requested to send the payment back, on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage was transferred as of XX/XX/XXXX.
This is my second submission of a complaint to resolve this issue as AmeriHomes response was insufficient and the complaint was closed.
The XXXX customer service manager XXXX XXXX, responded to the complaint saying the new mortgage company XXXX mortgage now has the payment and thus the complaint closed. When we talked to XXXX, they do not know what we are talking about and have only our loan debt on record. When trying to contact AmeriHome, you are routed to a sub-company and none of the phone numbers on the company website or in letters is a direct line.
XXXX XXXX provided her direct number in the previous complaint and said to call with questions, but does not answer and has not returned any of my numerous voicemails with extensive information on who I am and how to contact me.
For more info : previous closed complaint # XXXX
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| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/2021, I closed on the purchase of an investment property with XXXX XXXX. XXXX was advised at the time of purchase that I would not be living at this property, and were given my mailing address which they retained in their files.
Shortly, after closing the loan, XXXX sold the mortgage to AmeriHome Mortgage, and sent them the paperwork including my mailing address.
In XX/XX/2021, AmeriHome sent correspondence to me at the investment property address advising that the loan had been sold. They misdirected this correspondence while having my mailing address in their records on file. As I do not live at this address, the mail sat uncollected and long enough for me to send two mortgage payments to the prior lender.
I learned of the sale of my mortgage, after AmeriHome contacted me by telephone in XXXX, 2021. I explained to them that I did not live at the property where they sent the mail, confirmed that they had my proper mailing address on file, and contacted the former lender about the error. The former lender took steps to direct the two mortgage payments to AmeriHome.
Yesterday, while at the investment property, I picked up additional correspondence from AmeriHome advising that I am in default and that my credit report is impacted - this after explaining what happened with the prior mortgage payments and confirming that they have my mailing address on file which makes this entire evolution their mistake. I called the company this morning, and explained again, that my credit report should not be impacted because of their mistake/failure to use the mailing address they have on file. I also recontacted the prior lender and asked them to confirm that the two prior mortgage payments were forwarded to AmeriHome.
My credit is being harmed because of this company 's incompetence. I have been a home owner for more than 25 years, own other properties, and have NEVER been delinquent or in default of any mortgage. They have told me the matter is still under investigation and they will/may change the credit reporting when they're done.
This is absolutely unconscionable!
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| 06/25/2019 |
Yes |
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- Trouble during payment process
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Web |
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First issue is mortgage company is " estimating '' entire taxes to be {$7000.00} more than what it actually is. After receiving this letter about the " estimated escrow '' we sent in a check to be applied to the escrow of {$2500.00}. Second, they are refusing to give the refund for the OVERPAID amount of escrow from the previous year. Third, ( currently ) the previous monthly mortgage payment is being put towards the bogus " estimated escrow '' and not classified as the monthly payment. This means they are now trying to charge me late fees and reporting that I've missed payment. As well as refusal to refund the OVERPAID amount I sent in to go towards their " estimated escrow '' ..
On XX/XX/2019 I called about the inflated and false escrow issues. Was told to email all documents I received from the tax office and would hear back within 24-42 hours. As well as to continue to make " regular '' house payments by XXXX and that a request was sent about the escrow refund. On XX/XX/2019 I called back to followed up. Was refused when asked to speak to XXXX and was again trying to explain everything I already did before just for the man on the phone to seemingly not have a clue what I was talking about, but gave me an email address to send the current year and previous year 's tax documents to again.. When asked about the Escrow refund I was told that it would not be refunded and that it was put towards the interest. Again, on XX/XX/2019 I followed back up to only go through this cycle again, but with the addition of them applying the monthly mortgage to the escrow and not as the monthly payment ( even though the payment is mailed with the monthly statement payment stub ).
I want our previous year 's escrow refunded. For the amount we over paid towards the current years " estimated escrow '' to be refunded and CORRECTED per tax documents. As well as a statement sent to credit bureaus to correct and remove the " late '' payment. For all other future payments to be applied correctly. And for monthly mortgage payments to be reduced to reflect the correct escrow and insurance amount.
|
| 09/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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|
Web |
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Purchased home on XX/XX/XXXX with financing through XXXX XXXX, loan ID XXXX. The Mortgage was sold to Amerihome, Mortgage, acct. # XXXX with the 1st payment due onXX/XX/XXXX. I received a property tax statement from XXXX XXXX dtd XX/XX/XXXX bill # XXXX and map # XXXX indicating that XX/XX/XXXX taxes were not paid and that a penalty of {$54.00}, interest of {$27.00} and other fees of {$32.00} had been added due to non-payment. I immediately call Amerihome customer service and spoke with XXXX ( no ext. #, no last name, no direct telephone # ). I was assured that the taxes had been paid inXX/XX/XXXX by check in the amount of {$1000.00} and that all " extras '' were taken care of by Amerihome. I trusted Amerihome -- never again! I received a statement from XXXX XXXX stating that the XX/XX/XXXX taxes had not been paid and to ignore statement if this was not the case. Again, I called Amerihome and home and spoke with customer service and was assured that this was taken care of and not to worry that all was paper-work catching up, etc. When I received a notice for my XX/XX/XXXX Property tax in XX/XX/XXXX and the notice indicated that the XX/XX/XXXX taxes had not been paid, I went to the tax office and discovered that Amerihome had paid someone else 's taxes. The difference in the map # was MINE -- XXXX and the one that had been paid was XXXX. I called Amerihome and spoke with XXXX who told me it would take a few weeks to correct. OnXX/XX/XXXXI called back and spoke with XXXX ( Supervisor ) that told me it would be 2 weeks to 1 month to correct. Both assured me that all penalties, fees, additional taxes, etc. would be paid by Amerihome. I called on XX/XX/XXXX and spoke with XXXX ( Supervisor ) who told me the issue was in the Legal Description Dept. and that our house payment would be adjusted and all issues would be resolved During one of my conversations, I requested the XX/XX/XXXX and XX/XX/XXXX statements. They are not showing in the computer system and was told copies would be mailed. I received XX/XX/XXXX& XX/XX/XXXX instead. To date, I do not have the XX/XX/XXXXstatements.
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| 03/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.
|
| 05/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Complaint XXXX was submitted to CFPB on XXXX for issues regarding payments that have been occurring since XXXX of XXXX. Between XXXX and XXXX I have been working on an understanding and resolve. I identified what issue actually occurred, after multiple conversations, writings back and forth between me and Amerihome as well with XXXX XXXX XXXX, who sends my electronic payments.
As I figured out the issue, which stemmed from me sending a payment to the temporary account before it turned into a permanent account and Amerihome not following through with what they promised me and XXXX XXXX XXXX, which was transferring the payment over to the appropriate account, I paid them twice within two weeks as agreed upon at the end of XXXX/beg of XXXX given they had returned the funds to a savings account that I don't check and no one picked up on this for the near six months of back and forth wondering why my payments would show on time then late then on time again.
A comprehensive timeline detail of this is showing on case XXXX.
So Amerihome saw the back and forth challenges and in our exchange arbitrated by CFPB there representative agreed to remove the late payment as of XX/XX/XXXX and said it would take the bureaus 30 days for it to show on my report.
Today is XX/XX/XXXX and the bureau report has not changed. I called Amerihome and after being on hold twice for a total of 90 minutes, was told that they couldn't talk to me due to me needing to speak to the president 's dispute department. The president 's department has not returned my calls or sent a written correspondence except for multiple writings saying " it is under investigation and needs 30 days ' like a groundhogs day situation because nothing moves just the same letter over and over again.
I am asking for CFPB to open a new case, or re-open old case. I responded on the old case after they said they would resolve that I was satisfied with their response, expecting it to be followed by actions. I just can't believe I am still fighting for this change 10 months after the problem origin.
Thanks in advance
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I have had a mortgage since XXXX. The loan has been handled by multiple servicers due to the discretion of mortgage companies to sell the loan at their discretion. Since the purchase of my home, the loan has been serviced by XXXX XXXXXXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage and most recently XXXX XXXX
While I was being serviced by AmeriHome, I made mostly online payments. The XX/XX/XXXX online payment seemed to have an error in processing ( payment was made XXXX ) that I was not made aware of until the XXXX billing statement was received. Upon learning that the XXXX payment didn't process, I immediately processed the payment online AND paid the XX/XX/XXXX payment. There was no issue with lack of funds. I submitted an online payment request in XXXX and moved on as I have done for several months.
I learned in late XXXX that AmeriHome reported to XXXX a late payment on the mortgage ( the only XXXX since XXXX ). Subsequently, that XXXX late payment due to a technical issue with the AmeriHome online payment platform and NOT an inability to pay caused me to experience a XXXX XXXX XXXX in my XXXX XXXX, reducing my score from XXXX down to XXXX. I have contacted AmeriHome via telephone on numerous occasions in XXXX without success. I was notified in late XX/XX/XXXX that my loan was being sold to XXXX XXXX
I feel like this action of AmerHome to drastically reduce my XXXX XXXX based on XXXX late payment and then sell the loan to another company XXXX day later was predatory and has cause me undue harm in my financial profile. A XXXX point decrease in my XXXX XXXX dropped me from the " very good '' to " fair '' tier with XXXX action.
This situation does not accurately reflect my payment history, my credit management history and has placed me in a position of being perceived to be a credit risk unnecessarily.
I am also extremely disappointed with AmeriHome 's unwillingness to even address this issue with me as a customer. I feel as though I experienced undue harm to my financial reputation due to no fault of my own and have had XXXX XXXX of recourse with AmeriHome.
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| 01/23/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
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We have been trying to get a mortgage assumption application package from AmeriHome Mortgage since the last week of XX/XX/2022. We received from them Form XXXX which we completed and emailed back the same day, on XX/XX/2022. Their website states that once this completed form is received, there is an application package that is sent out. We have called several times to check the status and each time, they send the blank Form XXXX to us for completion. We have received this form six times now and sent it back completed XXXX times. We still have not received the correct package to start our mortgage assumption. Ive asked that they email it and/or post it in the document center that is in my online account profile. They refuse stating that it must be mailed. This form should be available either in a customers document center or on their website. We have moved out of the home in XXXX and relocated to South Dakota. We are currently paying our mortgage as well as rent for our apartment, which is as much as the mortgage. We are out of money in our savings and need to get this process moving along before we are forced to foreclose on the mortgage. We have a family that wants to assume this mortgage who have already been approved for an amount greater than the balance on our mortgage, so there shouldnt be anything holding us back. This is a VA mortgage, which as a benefit to XXXX, is assumable. We have both called multiple times and each time the customer service person that we speak with tells us something different, from someone will call you within three days ( which has not happened yet ), to weve mailed it to you, to we dont do mortgage assumptions. This is the worst customer service Ive ever received anywhere. Sadly, customers dont have a choice when banks buy loans. If wed had a choice, wed have done research on them first. There are horrible reviews online about AmeriHome. They have reported that an assumption takes XXXX days, which I understand, However we are now approximately 30 days in from their initial receipt of our completed XXXX form and nothing is moving.
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| 08/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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In the beginning of XXXX my wife and I began an XXXX XXXX XXXX When COVID happened our suppliers were unable to send any items so we were forced to close down. I called my lender and received a forbearance plan. At the end of the forbearance plan, I was offered a modification, however my income had not fully recovered and I could not afford to resume payments. I missed the modification deadline and it was closed out. I was then told that I had to send in a full documentation package for modification review. The review began and seemed to be going well. When I was told a hardship letter was missing it was sent in XX/XX/XXXX, I have attached for review. Today I spoke to XXXX XXXX ID XXXX. XXXX XXXX told me the review closed out on XX/XX/XXXX for missing document ( hardship letter ) and that the loan had been referred to foreclosure. I feel this is unfair as now I am accruing legal fees when I was attempting in good faith to resolve this situation. I asked for the missing documents letters be resent via fax or email, XXXX XXXX refused. I asked for a supervisor, XXXX XXXX refused. I was told I had to speak to their attorney, I asked for contact information to do that, XXXX XXXX refused. This now begs questions : 1. After the first VA streamline modification did not go through, why was I not offered a second chance at a streamline since my hardship was not resolved. I would like to know the reason my lender sent me a modification before I was able to pay. 2. The hardship letter was sent on XX/XX/XXXX so why did this review close out. 3. Is XXXX XXXX correct and the position of my mortgage company is to refuse to send proof of communication, refuse to allow me to speak to a supervisor and while a file is referred to foreclosure but before an attorney files a Notice of Appearance, is the file in limbo where Truth in Lending does not apply? I have done everything on my end to resolve this without involving the courts and legal fees. I believe I have a right to disagree with my lender 's decision and I am unable to speak to anyone to try to find a resolution. Thank you.
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| 01/23/2023 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I logged into my online account to make my mortgage payment, only to see that the payment due was now more than {$200.00} than it was on XXXX, XXXX.
At first, I thought it might be some sort of penalty or other annual fees, because I hadn't received any notifications of a payment change. Checking my account showed no late, penalty, or other annual fees having been charged. Then, I thought it must be an escrow shortage, so I looked through all of the documents saved in my account ( it's set to paperless ), and found no notifications that I was going to have an escrow shortage or any break downs of account analysis. I then messaged the company via their online message form to ask them to explain the payment increase.
Their response indicated that I would have an escrow deficit of ~ {$1900.00}. Given that my previous payment amount was {$1600.00}, and the new payment amount is {$1800.00}, I explained that the math wasn't working for me. The increase itself is ~ {$210.00}, which equates to an annual increase of approximately {$2600.00}, which A ) is far more than the deficit they're reporting, and B ) doesn't account for the portion of my previous payment that was already earmarked for deposit into my escrow account. I also asked if I should expect this new payment amount to take effect in 60 days, as I had never received notice or advice from them regarding the escrow deficit.
Their response was to first post the escrow deficit notice dated XX/XX/XXXX to my account. Time stamp on the email notification I received advising me of the new document was XX/XX/XXXX. They then used the intercompany messaging portal to advise me that my payment was not increasing by {$210.00}, but by {$150.00} ( which would be a payment amount of {$1700.00}, not the current payment amount of {$1800.00}. They did not address the lack of notice at all.
I fully understand the concept of annual escrow review and payment adjustments, but I object to the lack of notice, and it seems that they do not have their accounting straight and they are unwilling to explain or justify.
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| 03/19/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/21 I needed to get a payoff with escrow netted for a new mortgage company to refinance my existing loan with Amerihome. The first rep I spoke with faxed the payoff and received it in minutes, but it was not with escrow netted. I called back and the second rep was supposed to connect me with a supervisor, but instead sent me back through the automated system. So while continuing through the automated system to get to another rep ( mind you, there is entirely too many options that will get you turned around and confused if you dont listen carefully. To get to an option of a rep alone takes 5mins! ), I reach my 3rd rep of the day and ask to speak to a supervisor. He advises me he needs to put in for a supervisor call back ( Ive never heard of this ) and I say okay. He asks what the issue is and I tell him I needed a payoff with the escrow netted. He says oh I can help you with this no problem. I asked him to explain it to me so I knew that he understood and he did. He advised me it might take 2 hrs, but usually its a lot quicker. I get off the phone in hopes it gets faxed. Time passes and the place is almost closed and I needed this document that day, so I called in again. Now my 4th rep and she goes over everything that was done, and advises me the task was marked for a completion date of XX/XX/21! She knew I needed it urgently so she said she would expedite it and send it to her supervisor. I thought this would make my request get taken care of first thing the next day, no. I called in around XXXX the next day and asked my 5th rep for a supervisor call back. She said she would have to put in a work order. I asked how long it would take for them to call back and she asked if she could place me on hold ... that hold turned into me being hung up on. Needless to say Im beyond frustrated with the customer service or lack of I should say. They are so willing to help if you are staying with their company but when you are leaving them they do everything possible to not allow it! I even sent an email requesting a stat call back and received nothing.
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| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I had a mortgage with AmeriHome Mortgage which was paid off on XX/XX/2019. My loan number was XXXX. We were told at closing that the escrow account balance would be mailed to us in 30 days. As of this date, we still have not received it.
I called AmeriHome customer service in XXXX and was told their policy is the company will wait 30 days after closing to process the payment. As our loan was closed on XX/XX/2019, the check would be mailed the end of XXXX. I have called numerous times in XX/XX/2019 inquiring where the check was as we had not received it. I was told it was cut on XX/XX/XXXX. But they offered to stop payment and reissue but it would probably take another 30 days before we receive it.
In talking with XXXX ( would not provide last name ) a customer service representative on XX/XX/2019, she told me that AmeriHome cuts checks but does not mail them out for a week in order to allow approval. I asked her to stop payment and reissue and expedite it. She said she could not expedite.. I asked to speak to a supervisor. XXXX ( XXXX ID # ) came on the line and told me he can stop payment which will take 5-7 business days, Then they would request a replacement check which would take time with the check needing to go through another 5 business day period for approval and then he could request that the check be overnighted but he could not guarantee they ( another dept within AmeriHome ) would approve it. I said I would pay for it but he said no that should not be necessary.
I explained to XXXX that I was going on vacation out of the country and was counting on the money for my vacation. I am leaving XX/XX/XXXX ( early XXXX ) for 15 days. I told XXXX I really need that check before that.
I apologize for the long story, but given my situation I wonder if the first check was ever mailed. It should not take 30 days to get money sent back to a homeowner. In fact, it should be given back at closing. I wonder if this process is structured such that AmeriHome can keep prior borrowers money until we scream so they can invest it during this time.
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| 07/08/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Due to the Covid-19 Pandemic, I had to file Chapter XXXX Bankruptcy in XX/XX/XXXX. I have an FHA loan. At that time my homeowners insurance was renewed. This made my payment increase $ XXXX a month. I called the mortgage company to get the homeowners insurance removed from my escrow account. Arrangements had been made with my insurance company to bundle auto and homeowner 's insurance together, whereas I would get a discount. I called my mortgage company several times and made numerous requests to have the homeowner 's insurance removed from my escrow account. Finally, about a month ago I was told I had to submit my request in writing. On XX/XX/XXXX, I submitted my request in writing. Today, XXXX XXXX, I called the mortgage company only to be told that I could not remove my homeowners insurance from my escrow account because FHA loans require this.
Meanwhile, never during any of these phone calls did anyone let me know that I had missed a mortgage payment. ( 2 actually ). For some reason if you are in a bankruptcy, you are not afforded the same notifications as other homeowners. I can not access my online account because I am in a bankruptcy, nor can I make a payment though my online account due to the bankruptcy.
Then on XXXX XXXX, I receive an email ( 2 days later an actual letter ), from my bankruptcy attorney, stating the mortgage company is requesting a Motion of Relief due to being 2 months behind in my mortgage payment. The first payment that was missed was in XX/XX/XXXX. I was never notified or told. Meanwhile, I am being billed for the new payment amount for the homeowner 's insurance and no one is telling me I can't get it removed from my escrow account. It seems that if you are in a bankruptcy you have to do everything and they don't have to give you any type of information. They constantly sent me to the wrong department, no one there knows what they are doing.
I am in a bankruptcy for the arrears, but am still responsible for the remainder of the loan.
Most dangerous of all is, I could lose my house due to there incompetence.
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| 06/09/2019 |
Yes |
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- Trouble during payment process
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Web |
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I received my supplemental tax bills in XX/XX/XXXX, and immediately sent them to AmeriHome for payment. They had not collected enough ( {$400.00} short approx. ) so they mailed me a check from my escrow account and I paid the taxes myself, adding the remaining funds. The supplemental tax bills provided in XXXX called for 2nd payments to be made in XX/XX/XXXX. In XX/XX/XXXX, Amerihome raised my monthly payment by {$100.00} to help cover the gap in the escrow account. In XX/XX/XXXX, I received two notices of penalties for non-payment of supplemental taxes, amounting to almost {$400.00} in penalties and fees. I forwarded these to Amerihome and reminded them that they had my bills to pay for 7-8 months. They did nothing. I called and they told me : we do not pay supplemental taxes. I asked why they would collect {$14000.00} per year for {$1200.00} in standard property taxes, and why they raised my monthly payments to specifically cover supplemental taxes? They finally admitted that they DO pay supplemental taxes, and proceeded to do so, however they used my escrow money to pay the {$400.00} in fines!! I called to get a refund, they told me " we do not pay supplemental taxes ''. After another argument, they agreed that they do, but they refuse to reimburse for the penalties which THEY caused. This is called : fraud. For the record, Amerihome ALSO FAILED to pay to renew my homeowners ' insurance, required by law!! They let it lapse for an entire month while at the same time sending me letters demanding I obtain coverage! My insurance company contacted them 3 times to no avail, until I called and yelled at them to pay it or I would sue them. They finally paid it, but I had no coverage for a month. Amerihome is asleep at the wheel - for a company responsible for my mortgage, I have ZERO confidence that they know what they are doing. They have cost me money, put my home at risk, and refuse to take any responsibility. Please help, this is my first home and all I have experienced is XXXX and being ripped off by Amerihome.
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| 02/25/2023 |
Yes |
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- Trouble during payment process
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Web |
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Amerihome mortgage loan # XXXX I made a payment that cleared on XX/XX/XXXX for {$420.00}. * This amount was more than the minimum {$400.00} payment* It was processed as a interest only pament. I contacted amerihome mortgage and they assured me it will be fixed very quickly. i waited 16 days. I have had a difficult time with them in the past, where I was being taxed in escrow - but I am exempt from taxes.That was from XX/XX/XXXX complaint. I never received credit towards principal or refund from that issue. So I was worried that they were going to report me for not making my XX/XX/XXXX payment I made another payment on XX/XX/XXXX in the amount of {$400.00}. Then I the received a letter stating my escrow account was going to have a shortage. I understand my homeowners insurance is going up {$130.00} a year, and my pmi is going down {$11.00} a year.I had two choices, either send in a escrow only payment for {$200.00} and my new payment would go up to $ XXXXOr I could also do nothing and my new monthly payment would be $ XXXXi called XXXX about this and was told no matter how much I paid extra into interest/insurance escrow only my payment would not be allowed to go back to the {$400.00} payment I struggled to get when they where collecting taxes ( which were never paid cause I do not pay taxes ) So paid online on XX/XX/XXXX $ XXXXToday is XX/XX/XXXX, there website, phone tree states I owe {$430.00} coming up first of XXXX. They have also reported to the credit bureaus that my home Loan actually increased {$170.00}, and that my minimum payment is not {$400.00} or {$410.00}, but {$430.00} this was reported to them after my XX/XX/XXXX payment of {$200.00}, I requested a new account analysis because the amounts of money in escrow seemed greater than what was stated in the letter .My payment due date is fast approaching for XXXX. I know understand why they first told me when I got the loan that I would receive a payment coupon book. They said no, I will not receive a payment coupon book.So they can change my payments.
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| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am currently going through a refinance with a lender. The title company for the refi alerted us that I owed property taxes, and that I would not be able to close until they are paid. I reached out to Amerihome to find out what is going on.
XXXX County, MD given home owners a 1 % discount if property taxes are paid in full by XX/XX/XXXX of each year ( the most recent property tax bill is attached to show that XXXX, a 0.5 % discount if taxes are paid by XX/XX/XXXX of each year, no discounts if taxes are paid by XX/XX/XXXX. The County begins assessing penalties if taxes are paid after XX/XX/XXXX of each year. Taxes may be paid in full ( and must be paid in full to take advantage of the discount ), or semi annually - by the end of XXXX of each year for the first installment, and by the end of XXXX of each year for the second installment.
On their website, Amerihome claims that payment for property taxes is " disbursed from your escrow account and sent to your taxing authority prior to the due date ( discount date, if applicable ). '' ( A copy of the print screen is attached ). I pulled by escrow history from Amerihome and it showed that the services never paid my property taxes by the discount date, meaning that I never took advantage of the discounts offered by my County, even though Amerihome on their own website state that they pay property taxes by the discount date.
I tried to get someone from Amerihome 's compliance department to contact me ( the helpdesk staff can not handle these issues, as I understood from talking on the phone with them ). I contacted Amerihome in writing about this, I called them about this issue as well. And no one has got back to me.
And now Amerihome failed to pay this year 's taxes ( not even the first installment! ) by XX/XX/XXXX. ( Evidence attached ). The County is now assessing penalties and fees, and my refi is in danger of not going though! I will likely have to pay my taxes out of pocket, even though the servicer has been collecting my escrow payments every month.
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| 12/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue.
==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy.
3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then.
4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder.
5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage.
6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly.
7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.
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| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX AmeriHome Mortgage provided us with a check after we re-financed with another company, for the XXXX refund in the amount of {$2800.00}. Unfortunately we did not cash the check prior to the period of 180 days before it becomes void. I called their Customer Service Line at XXXX on the following dates with the following outcomes : XX/XX/XXXX spoke to XXXX indicated she communicated with the Dept that handles closed accounts and a new check would be sent out.
XXXX ( Pacific standard time ) spoke to XXXX who transferred me to XXXX. XXXX stated she put in the request to have it issue, said new check should be received in 7-10 days. ( length of this call including hold time was 1 hr 10min ) XXXX to XXXX who attempted to transfer me to the Purge Dept ( for closed loans ) but said Dept was having issues and to call back later or on another day.On this day also told I would be unable to speak with a supervisor because there is no open loan number and that is info that they need to put in in order for them to pick up call.
XXXX Still unable to connect to the Purge Dept XXXX to XXXX and XXXX before being able to get connected to the XXXX XXXX.
XXXX to XXXX, in XXXX XXXX, indicated process was started on XX/XX/XXXX and that the check was re-issued. She indicated that it takes 20 days to void and re-issue check and this being 20th day, I should have the check within 7 days, to be safe b/c of mail delivery. If we do not get the check, I can call back and request to be connected to her at XXXX.
XXXX XXXX with XXXX who was supposed to transfer to Purge Dept. After being on hold for 50 minutes, XXXX picked up, not with the Purge Dept just regular customer service. Based on feedback she was getting from a supervisor, the check was never re-issued but first one was cancelled. ( contrary to what I was told on XX/XX/XXXX ) She took down email address so that they could provide me with info about when check was sent out. Indicated I should have it within 7-10 business days. ( length of this call was 1hr 30 min )
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| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We recently received the note AmeriHome Mortgage sent to you on XX/XX/2020. Unfortunately, we continue to have the following difficulties with this poorly managed company. First, per paragraph 6 on their note to you, we were supposed to be able to request the company to return the {$100000.00} in principal payments to us by sending a note to XXXX. We sent a request as to this process on XX/XX/2020, but have yet to hear back from the company. We sent a follow-up note on XX/XX/XXXX and XX/XX/XXXX, with still no reply. Today is XX/XX/XXXX. Second, we sent the {$250.00} check to AmeriHome to finalize the agreement and put the issue to rest, they deposited it on XX/XX/XXXX and notified us on XX/XX/XXXX of the deposit. Third, the company had not modified the loan terms on their website for a monthly payment of {$4100.00} per the XX/XX/2020 notarized agreement signed by us and received by AmeriHome. Therefore, my wife had to submit the previous, normal payment of {$4600.00}, even though the company has had possession of our {$100000.00} recast payment toward the principal since XX/XX/2020 and had processed the {$250.00} check on XXXX. Fourth, AmeriHome finally modified the payment amount, but to {$4200.00} ; again this is not the contracted and notarized amount of {$4100.00}. If not corrected, this will result us paying more than {$37000.00} over what both parties agreed-upon per the notarized agreement.
Given our difficulties with AmeriHome and noting recent difficulties others have had with the company per a recent XXXX XXXX XXXX article, I am surprised that they continue to operate in the US in good standing. Certainly, we would like : 1 ) to find out the process of having the money returned, 2 ) have the company return {$570.00} - the difference between what my wife paid and the agreed-upon amount payment per the aforementioned notarized document for the recast and 3 ) have the company modify of the payments to {$4100.00} per the aforementioned notarized agreement, not the {$4200.00} indicated earlier.
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| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Amerihome Mortgage XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Received a letter dated XX/XX/XXXX that said the amount of flood insurance paid by our condo home owners association was insufficient ( but not by how much ) and that if we didn't amend the master policy or purchase one of our own or they would purchase one for me. I received this letter on XX/XX/XXXX. I called twice to get an explanation ( both calls recorded ) where the customer service rep would not put me in touch with the flood ins department and i was told both times the rep could answer my questions. The first call lasted over 20 minutes and the rep hung up on me and the 2nd call, the rep could not answer my question ( why did we need more insurance? ) and I asked to speak to the supervisor but the supervisor refused to speak to me. On XX/XX/XXXX I faxed ( and sent by certified mail ) a copy of our flood insurance policy and an email from our insurance agent explaining why our coverage was sufficient to meet the Flood Protection Act of 1973, I explained that we were disputing this and would like an explanation.
I got an acknowledgment that the fax was successfully sent, but received no communication from the company acknowledging this. We received another communication on XX/XX/XXXX reiterating the terms of the first letter. I called to try and see if they had received our communication that we were disputing this need for additional insurance, but was told twice that their " system was down ''. I can not express to you the level of frustration we feel as a result from incompetent customer service reps that basically look up information in a reference manual to answer questions they know nothing about and refused to transfer us to the flood loan department and - the first time in my adult life - I was refused the opportunity to speak to a supervisor to get an explanation/clarification of our situation. I strongly ask for any assistance you can give us.
Thank you for your time and consideration, XXXX XXXX
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| 01/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX I contacted AmeriHome mortgage company inquiring about a mortgage balance, payoff balance and wiring/ routing instructions. I was given all the information.
On XX/XX/XXXX Funds were wired from my XXXX XXXX account per the wiring instructions I was given to the loan sub servicer XX/XX/XXXX XXXX in the amount of {$55000.00} ON XX/XX/XXXX I checked my account with AmeriHome and my payment had not been posted. I called AmeriHome and was told they could not find the wire and to wait another day for it to post.
On XX/XX/XXXX the funds still had not posted. I then called AmeriHome again and was told they were looking into the issue as to send them proof of the wire via email or fax and I did both On XX/XX/XXXX the funds had not posted and I called AmeriHome again and was told it may take 5 days or so to post and that they did receive the wire receipt that included the tracking number.
On XX/XX/XXXX I decided to call XX/XX/XXXX direct and was basically rerouted back to AmeriHome. It appears all inquires are routed to the same call center.
On XX/XX/XXXX I received an email on AmeriHome, s website portal that they received my proof of wire and I should hear back from them in 15 days. This is unacceptable as this is a large sum of money that they cant find or just refuse to post. Now I will have to make another mortgage payment in order to stay current.
On XX/XX/XXXX I called AmeriHome again and spoke with employee ID number XX/XX/XXXX. She acknowledged my concern put me hold hold and then told me that it may take up to 20 days. I asked to speak with the supervisor, told her I wanted the wire traced and funds posted immediately. Supervisor ID XXXX said she emailed accounting and I should hear back by XX/XX/XXXX It is completely insane for a customer to go through this process. With the receipt in hand it should take no more than 2 days to post my credit. Hours on hold, dropped calls while on hold etc., over XXXX that they refuse to locate.
The XX/XX/XXXX has REVOKED XX/XX/XXXXaccreditation.
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| 01/30/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.
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| 08/08/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I began the process of trying to assume my loan on XX/XX/XXXXXXXX with Amerihome Mortgage company. After I received the documents, I immediately sent them out via faxed, emailed and sent USPS with BOTH of our signatures on the documents. My ex was willing to sign the house over. XX/XX/XXXXXXXX was the first time I sent these documents. I received an email on XX/XX/XXXX that was an auto response. The company then sent me 10 more copies of the same documents after repeated requests to verify that they had received the ones I had sent. After many phone calls, I finally received the disclosures on XX/XX/XXXXXXXX from the company. After many attempts to contact the company via phone, it took me filing a complaint to get someone from the office to call me after several attempts to contact the company. People promised a call back and I would wait and no one ever called. I filled out the documents promptly and returned them. After several attempts to get in touch with someone to verify if my package had been received. No one called me back, or emailed. I filed a complaint in XXXX. I finally was contacted by XXXX XXXX in the office of Amerihome in XXXX, who I then spoke to upwards of 40 times between XXXX and XXXX. My loan was transferred to XXXX XXXX XXXX XXXX after I had been approved by the VA and denied by Ameri Home. XXXX XXXX XXXX XXXX took three business days to send me the documents. My ex is now refusing to sign the documents and wants equity out of the home because he is now broke. I am facing large court fees now to get him to sign because the loan was supposed to be in my name by XX/XX/XXXX. Because Ameri Home was negligent and dragged their feet, I am now looking at having to move my XXXX kids and be kicked out of my house. I have asked Ameri Home to outline the timeline of the calls, emails and many correspondences we have had over the course of the past 11 months. For some reason they are unable to do that. I need to be in court XX/XX/XXXX to try and get the house in my name.
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| 03/27/2019 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX sold and closed on our home at XXXX XXXX XXXX XXXX XXXX Ga XXXX. We put money in our escrow account every month to pay for taxes and insurance, and it has faithfully been paid by Amerihome Mortgage company. On XX/XX/XXXX XXXX sent an electric payment to XXXX County Tax Comissioner to pay for the taxes, and on the same day they stopped the payment. In XX/XX/XXXX we get a letter from Tax Commissioner saying if we dont pay the taxes for this property, they were putting a lien on it, that the taxes have not been paid and we are responsible, plus late fees And we had to pay a {$35.00} fee because Amerihome put a stop payment on their check. We have spoken to Amerihome 3 times now and they have mailed the check on XX/XX/XXXX and that they couldnt help that the mail havent delivered this check, it was now out of their hands. We have paid {$2200.00} to the Tax office and called Amerihome today asking where our check was and today the supervisor XXXX, said that we will not be reimbursed for the {$35.00} where they stopped the electronic payment, nor would we be reimbursed the {$43.00} late fees. We want our money back. XXXX from Amerihome badge number XXXX even told us we had been lied to that the check had never been mailed out, that she would expidite the check to us. That was on XX/XX/XXXX. Today XXXX the Supervisor said that she will stop the check and it will take 7 days to stop the XX/XX/XXXX check and then 7-15 more days after the first 7 days to stop it for it to get here. We are being lied to, it takes us 30 minutes to an hour to tell each person we are put on the phone with the story. We have changed our phone number with these people 3 times to the right number and yet when we call in and tell them the right number, they dont have our account under that number. I feel we should either get the {$35.00}, and the {$43.00} from Amerihome or Tax Commisioner. We were told by the tax commissioners office if we didnt pay this that they would ruin our credit for up to 7 years.
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| 01/28/2022 |
Yes |
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- Trouble during payment process
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Web |
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When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. We got the Dwelling Tax bill on XX/XX/XXXX. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/XXXX, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/XXXX due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill. On XX/XX/XXXX, XXXX rec 'd a call from someone at AmeriHome telling me that my taxes were paid. On XX/XX/XXXX I rec 'd another bill from our county tax office stating the bill was not paid, the bill is now {$5600.00} and that the county is in the process of placing a lien on my home because AmeriHome has not paid the taxes. I contacted AmeriHome on XX/XX/XXXX and spoke with XXXX who indicated that on XX/XX/XXXX ( see the date changes ) AmeriHome sent a wire transfer to XXXX to pay my taxes via check. The tax bill rec 'd on XX/XX/XXXX states that AmeriHome only paid {$410.00}. I'm now delinquent and owe {$5900.00}.
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| 09/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My Home Loan was sold to AmeriHome Mortgage Company from XXXX. Payments were to being XXXX XXXX to AmeriHome. In the meantime, I was making payments to XXXX and partial payment was already sent out to XXXX since I did not get the notification until XXXX. I then called Amerihome to introduce myself and find out if they want me to cancel that partial payment to XXXX or continue to let it go through - in which XXXX would then forward it to Amerihome. On the phone, the rep from Amerihome told me that they do not accept partial payments unless I fill out a form, but that they would accept it as a XXXX time courtesy.
XXXX forwarded this payment to Amerihome XXXX in which Amerihome still has not posted to my account with my other partial payment to form a complete payment. Amerihome has sent me a check made payable to XXXX XXXX ( XXXX XXXX ) which I could not cash. They asked me to send them the check back so that they can investigate in which I did immediately. I called them and they have no idea what is going on. I spoke to a gentleman named XXXX four week ago who assured me that they have all money and things will be fixed in my account. Nothing was ever posted. I receive delinquency letters and threatening voicemails from Amerihome constantly. I have missed work, I am out money and have so far documented 18 hours on the phone with them - including a Supervisor named XXXX for two hours two weeks ago ( beginning of XXXX 2015 ) who assured me that she would handle it and yet nothing is fixed. I should be up-to-date until XXXX XXXX, but it is showing delinquent and I will be assessed fees for them to have to come out and inspect the home! This is TOTALLY unprofessional and completely stressful. My husband is going for XXXX XXXX jobs, we both have XXXX credit scores and this can be detrimental to our future. Currently, I am out hundreds of dollars of lost wages not including the XXXX damages of them possibly putting us in foreclosure and worrying about my children! Please help!
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| 11/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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As stated by the online portal when I had access, my payments fell behind in XXXX of 2020. Since making an initial complaint about Amerihome Mortgage, I have been unable to access this online portal. When the company took over XXXX XXXX, everything pretty much fell apart. I was in a forbearance plan and could not get in contact with anyone from Amerihome Mortgage regarding a loan modification for months. I made a XXXX complaint and finally someone reached out and filtered all of my paperwork to the department that claimed the documents had not been received prior. A few more months pass and Amerihome Mortgage denies my application without a valid reason, other than I did not meet the requirements and I did not qualify for any of the COVID hardship related programs. I told XXXX of their representatives via a supposedly recorded phonecall that there were no valid reasons. He stated that he could only see that I did not meet the income requirements. When I completed my paperwork, I had more than XXXX of my income leftover for mortgage payments. Somehow this company found a loophole to deny me a loan modification based on my income. I informed the representative that I made the same income used to obtain the loan several years ago, so it's ironic that I don't meet the income requirements. The representative stated he would resend paperwork for a loan modification so I could complete them again. I have yet to receive those documents. I also informed him that I submitted an application for assistance and was working with an agency designated for COVID related mortgage assistance. He stated to call back when approved and everything else was fine. Less than a week later, Amerihome Mortgage has proceeded with foreclosure. I have yet to receive the promised loan modification paperwork. This company is a complete scam and the people responsible for modification approvals are truly deceitful. I do not want anyone else making a mistake and choosing this loan mortgage company.
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| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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On XX/XX/2021, the servicing of my mortgage was transferred from XXXX XXXX XXXX ( XXXX XXXX XXXX ), which was sub serviced by XXXX XXXXe XXXX to Amerihome Mortgage Company LLC. On XX/XX/2021, the XX/XX/2021 payment was made to XXXX through a bank draft. The XX/XX/2021 installment was not processed and I went online and made a payment to XXXX, accidentally, on XX/XX/2021. I also made the XX/XX/2021 payment to XXXX on XX/XX/2021. On XX/XX/2021, both payments were returned to me and upon research, I found the mistake as well as why the payments were returned and called XXXX mortgage to make the XXXX and XX/XX/2021 payments on XX/XX/2021. In speaking with the representative, I was assured that the XX/XX/2021 due date would be covered under RESPA. Per RESPA, I have 60 days from the date of servicing that the payments made to the prior servicer will not be considered late. XX/XX/2021, is the XXXX-day post servicing transfer. The XX/XX/2021 payment should not be reported late by the new servicer. XXXX XXXX is reporting the XX/XX/2021 installment in XX/XX/2021 as 30 days past the due date. This is incorrect and needs to be changed. I have made multiple calls to fix the error, I disputed with the CRAs, and I have faxed a letter with my explanation to XXXX with no investigation that fixes the issue. I was told by more than one agent on the phone with XXXX that they have a servicing date of XX/XX/2021, in their system and I suspect this is the reason the credit reporting has not been fixed. Per their " Welcome Letter '' the servicing date began XX/XX/2021, and they must abide by their official correspondence with me. I have missed my opportunity to refinance my mortgage for a better rate now that rates have been going up again. I could have saved thousands, but the error in the reporting has prevented me from going forward with the refi. I have attached the welcome letter and my bank statement proving payments to XXXX, payments returned from XXXX, and then payment to XXXX.
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| 06/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX submitted a complaint on my wife 's account XXXX XXXX. The Amerihome representative stated my wife isn't authorized on the account so I take issue with that because she gets correspondences from them daily. After she's asked them to stop. Another real issue is they are in violation of 15U.S.C 1692 ( a ) and ( b ) furnishing certain deceptive forms. Section b outlines the liability under Section 1692k. We receive only a monthly statement ( in a positive format ) Amerihome does not mail the disclosures statement that is required by law.
18 U.S. Code 8 outlines the obligation of the United States for ALL alleged debt. The payment statements mailed each month are just that Statements. It is prepaid by the government. In addition to that. I am aware that my signature on the promissory note is what created the funds for my loan which was actually paid in full but endorsed and sold without my permission or knowledge. There was no full disclosure. It was deceptive.
12 U.S.C 1431 it outlines banks can't loan money. I do not want to participate anymore with this fictitious payment of monthly bills with Amerihome. Fraud negates all contracts and there is no statute of limitation on fraud. This is extortion and an attempt to steal my wealth. It is criminal activity. I will also be contacting the federal trade commotion followed by the Attorney General for criminal charges if this fraud does not stop. All debt are the responsibility of the United States Government. I do no owe Amerihome or XXXX anything. I attached an un notarized affidavit filled with facts that can't be rebutted. I will have it notarized before court and send a copy sent to the federal trade commotion and Attorney General to file criminal charges. This complaint only touched on a few violations. The fact of the matter is in 1933 we were took off the gold standard and the United States hold All obligations of debt not me. There is no money only faith in the currency the government provides.
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| 03/04/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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We submitted a loan modification packet in XX/XX/XXXX. At this time we were 2 mortgage payments behind. This was recommended by the Lender. We were advised our packet was accepted and is under review and we would be completed within 30 day. We were never advised of a determination. We then had to complete a new packet for review. We again were advised our packet was in review. Then again nothing was advised. So again we submitted another packet. At this time they start asking for additional information as information had now expired per their time frames. We continued to work with the Lender supplying all of the documents they requested. After too many calls and providing information to the Lender I managed to get another packet accepted and stop a foreclosure sale just three days before it was to occur.This was in XX/XX/XXXX. They finally completed the review and denied our packet on XX/XX/XXXX. This entire process we began in good faith took a year. We were advised by the LendeXXXX in XXXX and XX/XX/XXXX not to make any payments unless we were able to pay the full amount of the back mortgage payments. When this modification was offered to us we expected help with our only payments of {$1900.00}. Now they are advising we owe over {$36000.00}. We have been told on XX/XX/XXXX twelve days after our denial that we were not able to do a short sale as our home value had gone up too much. The denial letter we received stated we only had 14 dates from XX/XX/XXXX to make a decision to do short sale. We were told by the Lender during phone conversations that we had to wait for the denial letter to be advised of the denial rationale for our loan modification request. I do not feel the company allows proper time for their letters to be received in the mail and then decisions to be made. I do not feel the Lender has acted in good faith and has strung us a long to a point where we are now in foreclosure and our house is appearing all over the internet set for auction.
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| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We had a financial hardship and reached out to Amerihome for assistance back in XXXX. we wanted to modify our loan. They sent out wrong documents. They just sent us a general loan assistance packet. so I had to call and request modification documents again so we could try to modify the loan. This process took over two months. we had tried making payments online to keep from falling further behind and they would not allow it. at that time we were two payments behind and it was demanding the whole amount. They would not let me make just one payment online. when I would call in to make just one payment the first representative told me I could not. So we fell another month behind and then the next month when I was ready to pay again I finally got a representative who actually let me make just one payment. By the time we finally got the correct modification documents we had already proceeded to file bankruptcy. We filed chapter XXXX bk on XX/XX/XXXX. According to our bankruptcy we needed to pay our XXXX payment. I have been trying to call Amerihome mortgage since XX/XX/XXXX and have been kept on hold for up to an hour and 40 minutes without any response. I have tried every day to pay online and it says unfortunately this option is not available please call customer service yet my monthly statement tells me I can pay online even while we are in bankruptcy. The monthly statement shows we are owing for XX/XX/XXXX post bk and what are pre-petition and a post-petition payments are ... I have tried messaging and asking them if we can just set up one payment and I get a poor response back telling me to call customer service. Yet due to covid-19 can not get ahold of anybody. Today when I tried to call it just says we apologize for the inconvenience but all lines are busy please call back at a later time. All I want to do now is make a payment and there are no options for me unless I talk to a representative. I should be able to pay when and how much I want online.
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| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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My husband and I purchased a home on XXXX XXXX with a conventional mortgage. Property taxes were estimated at appx {$4300.00} for XXXX. We applied for a XXXX XXXX homestead exemption in our county for XXXX and this was granted. As such, our XXXX property tax bill was only {$2100.00}. Once taxes were paid the first of XXXX, XXXX, I requested a new escrow analysis to have my required escrow payment adjusted. Given the difference in the original estimated taxes and the actual taxes paid, the difference is appx. $ 200 monthly that is being over-collected. I have been back and forth with Amerihome Mortgage. The first request was never submitted. A second request was made, and nothing was adjusted. A third request was made, and they finally adjusted the estimated taxes for XXXX but did not adjust the required payment. I called and was told the tax department would not re-visit the analysis until XXXX of XXXX. Every time I talk to a person at the company, I get a different answer and they are short with me and not helpful. I have asked to speak to someone in the tax department and they will not allow it. I am told to just wait. I have also asked to be contacted as decisions are made, and this never happens. This is ridiculous and I should not be required to pay over $ XXXX in escrow when my total required annual escrow disbursements are estimated at appx {$4500.00} annually ( property tax, property ins, and mortgage ins ) AND my current escrow balance is {$2300.00}. I have a balance of {$2300.00} right after paying my annual property taxes and insurance and it is already more than enough to pay my estimated taxes for XXXX. Property taxes and property insurance will not be paid again until XXXX of XXXX. I had this exact situation happen at my previous mortgage company and when my adjusted taxes bill was received, my mortgage company adjusted my payment immediately. Amerihome should not be permitted to escrow so much more than the estimated outlays required.
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| 09/18/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been struggling with being able to make my mortgage payments since XXXX/XXXX/2017. I notified the mortgage company at that time. They sent me a hardship packet, which I filled out and sent directly back to them. Heard nothing from them, except for collection calls from their call center. Those people are not able to help me, just keep asking when I will be able to make a payment. In XXXX, 2017, I was able to get enough money out of my XXXX to make the XXXX, 2017 payment. Then in XXXX, 2017, I was able to sell one of my vehicles to pay the XXXX, 2017 payment. I have no more funds to make any more payments, and they do not accept partial payments. So now, I owe for XXXX, XXXX and XXXX, 2017. In XXXX, I was finally able to talk to someone who told me that they did not have enough information and told me what I needed to send. I completed the items that they said they needed and sent them to them directly. Never heard from them again. Talked to them again in XXXX, they still did n't have all the info needed. So, I sent them what they requested. Heard nothing from them. In XXXX, called them again, and you guessed it, they did n't have our information. They finally found it in the wrong folder!! And they needed updated information. Sent that to them again in a fax on XXXX/XXXX/2017. I still have had no calls from them. Today, I received the attached letter from them. I am trying to resolve this, but they are not doing anything, and I keep getting further behind. I tried to call them this afternoon, but I was on hold for 30 minutes with no one ever answering the phone. I do n't know what else to do. I need help, because, I do not want to lose my home. My wife has acute XXXX XXXX and the stress is making her have XXXX XXXX, and has caused us to spend more money on hospital and office visits, plus prescription drugs. What can I do? We are struggling here!!
The mortgage company is Amerihome at XXXX. XXXX XXXX, XXXX. NJ XXXX. And, their phone # is XXXX.
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| 08/13/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Issue with : AmeriHome Mortgage Company , LLC XXXX XXXX. XXXX XXXX XXXX, NJ XXXX I have attempted with no success to address this with customer service ; I have only received promise of a return call that has not come. The following is a timeline outlining the issue : XX/XX/XXXX spoke to customer service rep re : having received a delinquent tax bill ; was advised to send the bill to XXXX XX/XX/XXXX sent email with attached bill XX/XX/XXXX received confirmation of receipt of email XX/XX/XXXX received more detailed response stating request will be processed in 3-5 business days and that If we are at fault for this late disbursement, any penalty or interest assessed will be paid from a corporate account and not the escrow account.
XX/XX/XXXX received email with subject line Taxes Paid stating payment was sent from my escrow. Email stated 2 disbursements, one for County Tax Disbursement in the amount of XXXX ( the correct tax amount ) and one for City, Utility Disbursement in the amount of XXXX. There was no explanation as to the latter Utility Disbursement. This amount did not show on the tax bill.
XX/XX/XXXX called customer service ; rep could not explain what the Utility Disbursement was ; stated he was submitting a request and that someone would call me back. He stated it was impossible for me to be connected directly via phone to anyone that could assist. My only option was to wait for a return call. This call has not come.
XX/XX/XXXX contacted City of XXXX Treasurer XXXX XXXX ; he explained to me that, as of today ( XX/XX/XXXX ) payment has not been received. He also stated that when he calculated penalty and interest now due on the base tax amount, it equals exactly XXXX.
It appears as though Amerihome is trying to camouflage penalties and interest that are their responsibility ( for having not remitted my real estate tax payment on time ) as a Utility Disbursement to illegally pay said penalties and interest from my escrow account.
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| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Today I called AmeriHome to inquire on a wire that AmeriHome was supposed to have deposited {$5600.00} into my account. A Representative named XXXX XXXX XXXX ) informed me that the wire was made on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no wire deposit into my account. The representative confirmed my bank and account number. I requested a copy of the wire confirmation but he was unable to provide and said he would put in the request to have someone mail me that.
I really need help this wire is supposed to be a reimbursement of my escrow funds when I closed my mortgage with them. My mortgage was paid in full in XXXX of XXXX. AmeriHome stated that the check for my escrow refund was mailed on XX/XX/XXXX but I never received the check. A representative later informed me that the check had been cashed. The check was not cashed by me and so I filed a police report and completed the process at AmeriHome for them to investigate that process went on for many months and finally in XXXX I was told that AmeriHome would be reissuing the check. Then on XX/XX/XXXX Amerihome mailed me the attached letter with a check enclosed that was not written out to me. When I called AmeriHome they informed me that it had been mailed to me in error and that they had to internally issue payment to XXXX and then XXXX would make a payment to me. On XX/XX/XXXX I received an email thanking me for my payment received by AmeriHome on XX/XX/XXXX for {$5600.00} ( exact amount I am waiting for them to issue me ), a payment that I did not make. This mortgage company is a true mess. It has been over a year that they have failed to give me my escrow funds. I really need help this mortgage company has no way to escalate a call to a supervisor or fraud department it is simply a representative that takes the call and informs me of the notes on the computer and if I ask any question of them they say they will send a message and I need to call back to find out the response.
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| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I'm writing to request a correction to my & my wife 's credit reports to all the 3 credit bureaus : XXXX, XXXX & XXXX. I have paid every mortgage payment on time since the inception of our mortgage account.
In XX/XX/2020, AMERIHOME made a mistake and did not apply my {$1100.00} payment submitted on XX/XX/2020 to my mortgage account. This resulted in a 30-day delinquency noted on our account and credit reports.
I submitted my XXXX payment on time ( as usual ) not knowing that the previous payment was not applied. On XX/XX/2020 the {$1100.00} payment submitted on XX/XX/2020 was returned by AMERIHOME into my XXXX XXXX XXXX checking account.
( see support documents : XXXX XXXX XXXX Transaction Details : XXXX & XXXX ) I submitted the XXXX payment on time ( as usual ) still unaware of the unapplied XXXX payment. Later in the month of XXXX, I discovered the error and immediately made another payment on XX/XX/2020 to catch the account up. All previous and subsequent payments were made on time.
( see support documents : XXXX XXXX XXXX Online Banking : AMERIHOME Payment History ) I take my mortgage obligation very seriously and as the supporting documents indicate, I always initiate payment in a timely manner. It was AMERIHOME that did not apply the XXXX payment to my account, ultimately reversing the payment into my XXXX XXXX XXXX checking account. When I explained what occurred to AMERIHOME customer service, the agent acknowledged the mistake and waived three ( 3 ) {$39.00} late charges totaling {$110.00} on XX/XX/2020. The late charges were waived, but my credit reports still reflect a delinquency that negatively impacts my XXXXredit score.
( see supporting documents : AMERIHOME Customer Account Activity Statement ) I've contacted AMERIHOME via phone, email and fax communications at least a dozen times beginning XX/XX/2020 with no resolution.
Therefore, I'm filing this complaint with CFPB. Please advise if additional support required.
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| 07/26/2021 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX - I received a delinquent letter in regards to XXXX CITY TAXES ; AMERIHOME MORTGAGE COMPANY was contacted to check on the status ; AMERIHOME MORTGAGE COMPANY notified me the taxes were paid in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX - I was in contact multiple times with both AMERIHOME MORTGAGE COMPANY and the XXXX CITY TAXES ; they played " he said, she said '' ; the AMERIHOME MORTGAGE COMPANY said it was paid ; the XXXX CITY TAX DEPARTMENT said they didn't receive it ; AMERIHOME MORTGAGE sent me a receipt showing when it was paid ; XXXX CITY TAXES said that the receipt would not suffice because it did not show that it was paid by the clearing house and therefore was void XX/XX/XXXX - I emailed AMERIHOME MORTGAGE COMPANY with the delinquent tax notice saying it was still not paid ; they claimed they had resolved the issue XXXX XXXX I received a new tax bill for XXXX ; this still showed that the XXXX CITY TAXES had not been paid ; I called the XXXX CITY TAX OFFICE to confirm ; they said they still haven't received the payment ; I called AMERIHOME MORTGAGE this morning ; none of the representatives would let me speak with a supervisor ; one AMERIHOME MORTGAGE representative told me that there are three open " tickets '' or " work orders '' in regard to this ; she said I could call back tomorrow and speak to a supervisor when all the " work orders would be closed '' I am scared that my house will go into foreclosure because of unpaid taxes. I owe 82 % pf the remaining balance to AMERIHOME MORTHAGE COMPANY ; I have asked multiple times to speak with someone to get the escrow removed from my account and to pay the taxes myself to ensure payment on time ; AMERIHOME MORTAGEG will not let me speak to someone to do this So - my XXXX XXXX CITY TAXES are still delinquent ; I can't talk to anyone in charge at the mortgage company to resolve this ; I have somehow been paying these taxes in escrow yet the money is unaccountable.
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| 04/25/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX XXXX , 2017 I co mpleted an application for property tax exemption with the XXXX County Appraisal District ( XXXX CAD ) and was approved due to a XXXX XXXX VA XXXX rating. XXXX CAD provided me with a letter certifying that no property tax will be due for the 2017 tax year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the XX/XX/XXXX an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the XX/XX/XXXX an d requested an update, the representative told me that my paperwork was inadequate but they had contacted XXXX CAD for clarification. I was then informed to call back in four more days. I called back on/around the XX/XX/XXXX to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On XX/XX/XXXX I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the XX/XX/XXXX even thought they had new information from XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ... I have asked for this escrow analysis to be completed four times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow account.
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| 01/01/2023 |
Yes |
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Web |
Older American |
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I began a refinance of my existing mortgage with Amerihome Mortgage on XX/XX/ 2022. From the time I started they have consistently lied to me, provided me with 12 closing statements at least, the underwriter was asking me for statements and documents that had nothing to do with the loan. Several times I had to speak with a supervisor who agreed with me but he too lied to me. I am an XXXX american single women, age XXXX. It appeared that either my race was an issue or my age. They kept finding things wrong with my loan. I had several closing dates, several rates that were locked in and finally they came up with a figure and kept trying to convince me that they would not charge me late charges because it was their fault. Since they have lied throughout this entire process, I do not believe a word they say. Finally on XX/XX/XXXX, XXXX eve, they delayed my travel plans to send a notary from XXXX to close. I was told that the loan would finance on XX/XX/ 2022. I received a notice from XXXX that the notary forgot to have me initial something. I initialed on XXXX XXXX, 2022 and returned the document. The {$11.00}, XXXX of the proceeds should have gone to pay off XXXX XXXX XXXX This check was supposed to be overnighted to the loan company. Low and behold, the Title company was informed to send the check to XXXX which there was no record, so they informed me they would overnight the Check to me. Then I would have to send to XXXX. What this told me was they did not even know who I owed. The overnight check should have been sent on the XXXX, and I should have received it yesterday XX/XX/2022. Never came. This Mortgage company and Title company should be investigated. They have cost me additional fees in interest on the Loan that I owed, They charged me a transfer fee when I agree to a direct deposit by giving them a cancelled check, additional fees in closing cost which I am not exactly sure how much they have charged.
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| 11/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Compliant # XXXX The problems continue with Amerihome Mortgage company I they have again failed to process my XXXX payment and now I ca n't make a XXXX payment useless I pay for 2 months now. In an attempt to get away from them my mortgage broker informed me my credit report has been damaged by there failing to process my payment in this summer. This will prevent me from getting refinance. There employee who stated she tried to call me on XXXX XXXX lied and never called me at all. This is criminal to case me personal damage on my credit report and to put my home in danger of default by not posting payment made to them. Please Please help. Below please find the email sent to their staff attorney XXXX/XXXX/16 regarding my XXXX payment not be posted. He contacted me after receiving your compliant.
Dear XXXX XXXX ( Attorney for Amerihome Mortgage ) I would like to let you know the problems continue with my not being able to make payments on my mortgage due to your system errors. I made a payment on line in XXXX with a manager in your office and discovered the payment has not been registered yet and my XXXX payment is not showing as having been paid. I can not pay my XXXX payment on line as it requires XXXX and XXXX be paid! I spoke with a mortgage broker to refinance to get away from Amerihome and he said you have damaged my credit report by stating my payment was 30 day past due. I need to have these issues resolved asap this is absolutely horrible. I spoke with someone in your executive office 2 days ago who lied and said she called me but no message was left on my cell phone and my home phone ca n't take messages. I hope to avoid filing a new compliant with the federal government and to not look for additional regulatory assistance with this important matter. I can be reached at XXXX XXXX XXXX XXXX. I need to have my XXXX payment posted and in order to make my XXXX payment and to have my credit cleared.
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| 10/09/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I had a mortgage for a home that I sold on XX/XX/2020 - through American Home Mortgage company. My payments were all in good standing and I have never missed or had a late payment. The house was paid off on XX/XX/XXXX with a wire transfer during the closing. I had attempted to contact the mortgage company to cancel my auto pay for a week prior to that but they were not answering phones due to " COVID '' and stated their hold times were >24 hours. I also attempted to message online, they ended up taking my mortgage payment out on XX/XX/XXXX, in addition to the settlement, which was an overpayment.
I informed them of this via multiple messages. On XX/XX/XXXX I saw an e-document on my online account showing that this amount would be refunded by a check, which I never received. I had updated my address and the correct address was on the check. I informed them of this multiple times, the responded that I had to wait 30 days to cancel the check. I waited 30 days and still did not receive it. I contacted them again and they told me they would reissue the check, but they would have to wait until XX/XX/XXXX. I waited until XX/XX/XXXX and it is not showing up in my e-documents and I still have not received my escrow refund/overpayment of mortgage from the house I paid off XX/XX/XXXX as of today XX/XX/XXXX. This is simply unacceptable. I also requested that they send it to me by electronic transfer or certified mail to avoid further issues and they ignored this written request. At this point I feel that they are not going to return the money they owe and have admitted they owe and should have received back by now. If the situation was reversed they would be charging extreme late fees, interest etc. What can I do to proceed with getting my money returned in a timely manner. Please advise. I am a XXXX veteran and now have a new home and mortgage to pay, and this is not how I expected to be treated.
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| 04/21/2021 |
Yes |
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- Trouble during payment process
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Web |
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My name is XXXX XXXX. XX/XX/2021 Mortgage company is Amerihome Mortgage Company. Loan # XXXX On XX/XX/2021, Amerihome Mortgage automatically deducted a payment of {$2600.00} out of my XXXX XXXX account without my permission or acknowledgement. I called them and they admitted their system had made an error and that it would be reversed. They said it would take 7-10 days to show up in my account. This also over drafted my bank account 4 times of {$36.00} each for {$140.00}. After waiting 10 days and it never showed up I called them over and over asking where my money was. They then told me that it was being reviewed by a committee. I called over 20 times to get the issue resolved. I also wrote letters to the department heads as well as the VP and the CEO. I have also asked for a supervisor 5 times and was promised one would call me back, no one ever called me back or wrote back. I called in and spoke with a supervisor on the last day of the month and she told me not to worry that it would be reversed and I would not have a 30 day late on my credit. Today I received a letter stating that my XXXX payment was now late and I am in danger of foreclosure, and they are reporting me 30 days late on my credit which is unforgivable! They have never returned the funds that they fraudulently took and now they do not show that they took it out. or that I made a payment. I can prove that they took the funds and I can also prove that they never returned them to me or XXXX XXXX. I have called them repeatedly to help me and no one will. I have asked 5 times to speak to a supervisor and not once has one called me back. They are now telling me that they issued a check on XX/XX/XXXX but I never received a check, they also show that the check was never cashed. They claim they can't help me because they are all working remotely and can not get anyone on the line to correct the situation. PLEASE HELP ME ASAP!
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| 07/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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I changed insurance providers on XX/XX/XXXX. Amerihome was sent policy. I sent to emails to company notifying that insurance provider changed. I initiated refinance in XXXX and told loan officer of change. Slow process with long delays despite my constant calling the loan officer. Refi moved to processor. Constant delays with vague description. Closing set for XX/XX/XXXX. XX/XX/XXXX I received call from loan processing assistance telling me I did not have home owners insurance. Agent sent policy to person on XX/XX/XXXX. I can provide multiple times policy was sent to Amerihome. AND, if I had no insurance, I am confident Amerihome would have slapped a high cost policy on my home. Amerihome denies any communication about the change despite being told my previous policy was cancelled and they are holding escrow funds. They ignore my emails notifying of change. They say first they heard of change was XX/XX/XXXX. Still no insurance payment. Attempted multiple times to speak to someone in escalation but never get there. After hour long call, I was disconnected. I was promised if faxed this morning it would be updated and paid. I seriously doubt any promise since everything else I am told has not been accurate. I am sitting in my home with a cancelled insurance policy wanting to refi which was supposed to be so easy since it was with same company. I am so angry and frustrated that I can barely listen to one more person telling me there is no documentation in the file. I have been changed late payments waiting to close loan. I have tremendous anxiety that Amerihome is saying I have no insurance coverage. As I explained to last person today after more than a hour on hold and talking with customer service reps that do nothing but tell me to fax documentation. NO ONE IS LISTENING TO ME!!!! I have filed complaint with XXXX and if I do not get action immediately, I will pursue legal action.
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| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been receiving notices of failure to pay property taxes from XXXX County Tax Collector since XXXX of XXXX I called Amerihome to resolve the matter as soon as I received the first notice. I was assured the taxes had been paid and that Tax collectors do this all the time phishing for money. Well, the notices kept on coming. I call and Amerihome says the taxes have been paid. I get a final setoff debt final warning and that they will advertise in the paper that I haven't paid my property tax. I call a sixth time to resolve the matter and ask that proof of payment be mailed to me. The agent said that an investigation will be done and proof will be mailed to me in 7 to 10 days. A month goes by and still nothing. I called again, speak to a supervisor named XXXX. I request she over nite proof of payment and that she call me back to resolve this. She said she would indeed do that as well as send proof of payment to XXXX County. None of this has happened. I call again and explain my situation and get hung up on. During all these calls I was always polite. After the call I call the county tax collector and initiate a three way call with tax collector on the line. We learn that payment was submitted twice via wire to a third party who was supposed to cut a check then mail to county but he sees that some how the checks never made it to the county, could we please hold briefly while he investigates. The AmeirHome agent never returned to the call. We held on the line for 45 min. Still XXXX County has yet to receive payment and my details have been published in the paper as not paying property taxes. I have been receiving texts from unknown people asking if I own the property and if I wan to sell. Not sure what else I can do but file complaints with as many agencies as I can. And that's exactly what I'll do. One of my Neighbors is a State Senator. Perhaps I'll knock on his door.
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| 06/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I refinanced my home the loan to AmeriHoME mortgage was paid in full. In my escrow account I had {$5600.00} which AmeriHome has to return to me within 21 days per law. They mailed a check dated XX/XX/XXXX for the amount of {$5600.00} I never received the check but I was told by AmeriHome that it was cashed. AmeriHome emailed me a copy of the check. I informed them it wasn't me and filed an " research case '' in order for them to look into it on XX/XX/XXXX Via fax as told by the customer service representative. In the fax I included my ID and my Husbands ID, a copy of the police report that I filed with XXXX XXXX XXXX XXXX, a copy of the canceled check AmeriHome provided me and a statement asking them to reissue check because I did not cash the check. I have not heard back from them. I have called to follow on the following dates on XX/XX/XXXX they confirmed that they received my fax. Called again on XX/XX/XXXX the representative said he didn't see updates but he would send the research department an email and ask for an update. Called again on XX/XX/XXXX the representative said there was no updated from research department at all not even after the email. I asked to speak with a supervisor and was told by representative that she was emailing the request for a call back from her supervisor and that I would get a call within XXXX hours. as of now XXXX hours later no call. I called XXXX because the routing number on the copy of the check is from XXXX and they told me I had to go back to the mortgage company. I am very frustrated because no one in the " research department '' at Ameri Home contacts me not by mail or phone. There is no direct number to them so I have to go through customer service those representatives no nothing and send internal emails but when I call back there is no response to their emails either. This is not a small amount of money. I need HELP!
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| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After numerous months and dozens of phone calls, complaints, and Internet correspondence, were still trying to get our money from this company. They say they have guidelines for releasing funds, however nothing has been consistent or logical since the beginning. We are now down to approximately {$400.00} of {$78000.00}. However, due to their extreme incompetence, lack of judgment, or just sheer stupidity, this money will not be released. We have been told the house needs to be 80 % complete, 90 % complete, and 100 % complete. Which is it? We have had several inspections showing the house is being repaired, and is now supposedly 85 % complete. When making inquiries, the customer service reps have been rude, condescending, and just plain amateur. Obviously, {$400.00} will not fix the rest of our house, as there still is approximately {$50000.00} worth of work to be done. Its as if they want to hold this money just to prove a point. They are paying more for inspectors to come out to look at the house than the actual {$400.00} that remains. We have tried to speak with supervisors, upper management, and anyone who could possibly make a rational decision. However no one seems to know who these people are, or who they actually work for. It is like trying to reason with a group of four-year-olds. They need to release the rest of her money, and move on. Hopefully in the future they can adopt consistent guidelines for releasing funds, and follow through with such directives. We have uploaded numerous paid receipts which are somehow lost, even though this is done electronically. They overlook paid receipts, misread these receipts, or just plain do the math incorrectly. Again, the incompetence level is astonishing. This mortgage company is nothing but a scam. They are profiting off of holding peoples insurance money, while we suffer, unable to finish the repairs on our home.
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| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I had been affected by Covid 19 Pandamic Disaster and my XXXX suffered in XXXX an XXXX.
I have a loan with XXXX XXXX which was transferred to them by the previous servicer ( Amerihome Mortgage ) XXXX XX/XX/XXXX.
The Payment suspension on this loan was provided by AmeriHome Mortgage ) from XX/XX/XXXX through XX/XX/XXXX.
Application for loan modification was filed with AmeriHome Mortgage XX/XX/XXXX. Modification for this loan was approved by Amerihome Mortgage XXXX XX/XX/XXXX ( see letter attached ) .Trial payments started XX/XX/XXXX through XX/XX/XXXX with Amerihome Mortgage.
XXXX XX/XX/XXXX Loan was transferred by AmeriHome Mortgage to XXXX XXXX ( The originator of this loan on XX/XX/XXXX ).
Three payments were made to XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I called them 11 times to get an answer on my Loan Modification process completions so as to put the unpaid amount behind the loan and give me my new payment as per Covid 19 Pandamic CARES ACT for suspended payment due to them.
I was told that the process started with the previous servicer ( AmeriHome ) and the files are being researched from XXXX through XX/XX/XXXX by XXXX XXXX the person handling this is XXXX XXXX XXXX XXXX XXXX XXXX
As I called them today, I was told that the Loan has not been modified by the previous servicer ( AmeriHome Mortgage ) or the current loan servicer XXXX XXXX XXXX XXXX
It is now sold to another servicing company on XXXX XX/XX/XXXX and I will have to make further payments ( including XX/XX/XXXX payment ) to the new servicing Company.
No written Information has been given to me yet on this.
They also claim that their system does not give them any information on this loan anymore.
I was told the same by the previous Loan Servicing Company ( AmeriHome Mortgage ) on XX/XX/XXXX as well.
Please help me get the loan Modification Completed at the earliest.
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a delinquent tax due notice regarding my property for which Amerihome had purchased the mortgage. In XX/XX/XXXX, I contacted Amerihome and spoke with XXXX who indicated to me that my escrow account was incorrectly marked on their system as not escrowing for real estate taxes. Upon her research, she confirmed that my escrow was set up to include real estate takes and promised that the real estate taxes would be paid before XX/XX/XXXX. I confirmed that I had made all payments on time and had adequate funds in my escrow account. I contacted Amerihome again on XX/XX/XXXX after noticing that the real estate taxes still had not been paid. Another representative, XXXX, confirmed that the taxes had not been paid even though the account was correctly marked as escrowed for RE taxes and stated that the expected completion of the task was now XX/XX/XXXX but could not explain why the previous timeline had not been followed. I asked to speak with a supervisor - one was not available so she placed me on 24 hour call back. The next day, I received a callback from a supervisor who explained their tax department was struggling to match the legal description of the mortgage with the tax bill but could confirm the legal description included on the mortgage was included on the bill. He also told me to contact them on XX/XX/XXXX if I had not received notice the taxes were paid. I contacted them on XX/XX/XXXX as taxes still have not been paid and spoke with XXXX. She confirmed taxes still had not been paid and was unable to give a timeframe of when it should be completed by. I asked for contact information for the department working this but was denied access to that. As a member of my community that respects everyone paying their bills on time, I am being harmed by Amerihome Mortgage Company , LLC and XXXX XXXX Bank due to my real estate taxes not being paid on time
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| 11/06/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Older American, Servicemember |
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I purchased a condo in XXXX. My original loan with mortgage 1 was sold to Amerihome mortgage soon thereafter. In XXXX XXXX of XXXX I was offered a streamline mortgage by Amerihome. At first it seemed a good option as it lowered my interest rate a little, and I was told there would be no fees whatsoever. Near the point they were to send someone to my condo for some type of inspection, I was told by California based mortgage rep that he was preparing closing docs and that I would be required to pay a percentage point on the loan. I refused telling him he had told me no fees. He tried and tried to make me think that the streamline loan was in my best interest. He was very pushy, I became upset and refused further, eventually hanging up phone.
On XX/XX/XXXX Amerihome took {$930.00} from my escrow account. They labeled it an escrow refund, as shown on escrow statement provided. I did not receive an escrow refund. On XX/XX/XXXX I was sent an escrow shortage notice, and told I needed to pay {$960.00} to cover the shortfall. I was not able to do so. So they increased my escrow monthly payment. I have spoken to Amerihome several times regarding this.on XX/XX/XXXX a Supervisor named XXXX told me Amerihome had mailed a escrow refund to me for {$400.00} some dollars, but that apparently it had been sent to the wrong address??? Something about unit number showing XXXX not the proper unit no XXXX. When I told him it was {$930.00} which was deducted and not the XXXX and some amount, he became very sarcastic telling me he would look into it. I never heard back from him. I spoke to Amerihome representatives many times after this and was basically given a terrible run around.
Unfortunately, at some point I misplaced the Amerihome documents, but luckily recently recovered them. I will copy all pertinent documents.
Your help in this matter will be greatly appreciated!
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| 12/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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There was an issue a while back where my taxes were we're being paid to the wrong address and once it was corrected they had to pay a lump sum to the county clerk to pay up all that they owed. However the problem was they had already paid out some for that year so it pushed my escrow account into the negative which increased my monthly payments by a large amount. I was able to reach out and have them look into the issue and realize that they had sent out a payment for the returned funds from the incorrect tax payments and that had never gotten to me so they were able to stop payment on that check and apply that payment to my escrow account to bring it back up however they still were never able to get my payments back to the original amount it was beforehand. I have told them numerous times the reason I believe that this is the issue is because there is an extra payment that was made last year besides for the total taxes that were paid and when I look at my account it says the total taxes that were paid out were around {$950.00} over what my taxes were for the year. ( My account shows that for the year XXXX taxes were paid at the amount of {$4300.00} when in reality the tax bill was about {$3400.00} and for reference for the year XXXX even after taxes have gone up about {$100.00} or so the only paid {$3500.00} ) They can not seem to figure out where that payment is and why my monthly mortgage payment is still higher ( I was told at the time that the escrow analysis was made after refunding that payment to my escrow that there still is a slight deficiency even though it's not in the negative but it should have a cushion and until I add enough to the escrow I'll be paying slightly higher payment monthly however if all the payments made to taxes were correct and all the extra money was refunded to the right people my payment shouldn't have gone up )
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| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I went into the company 's website to pay my loans. I had 2 loans for 2 separate properties with them. The system let me make a payment for the property on XXXX XXXX XXXX. The system locked me out of making a payment for the property on XXXX XXXX XXXX. I called on XX/XX/XXXX to find out what had happened and was told that my loan was sold. I was also told that there was a 60 day transfer protection. On XX/XX/XXXX, when making payments on all of my monthly bills, I found out that it was actually the XXXX XXXX property that had the loan sold, not the XXXX property. Furthermore, I found that 1 day after making the payment against XXXX XXXX, the payment was not processed since the loan was sold. However, with the XXXX property, which I was locked out of making a payment against on XX/XX/XXXX, was now showing that I was 30+ days overdue on. After XXXX minutes of explaining this to an online " chat '' agent, I was finally given a customer service number to call, which was the very first thing I requested! As you can imagine, I was XXXX at this point! The first person I spoke to said that since it had been over 30 day since payment was due, it was now reported to the credit bureaus. In addition, it took a total of 3 people to talk to get my payments processed and my account caught up. The online website system wouldn't let me make the needed payments. In total, I have spend 3 plus hours today figuring out that their website originally had the wrong address as being sold and locked me out of making a payment against that account, but did let me make a payment against the property that had the mortgage sold, only to cancel that payment a day later. Now, my credit score, and therefore all access to loans, is going to take a hit with the result being a higher interest rate due to the error on Amerihome 's end! Not happy with this company!!!
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| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been working with Amerihome Mortgage for loss mitigation options since XX/XX/XXXX. I have submitted all documents requested on time and in a timely manner. As of XX/XX/XXXX, I was informed that they had all the documents they needed and the file was forwarded to the Underwriting Department. Again on XX/XX/XXXX I was told the file is currently with underwriting, no documents were being requested and the foreclosure sale for XX/XX/XXXX was on hold. On XX/XX/XXXX we received a phone call from a XXXX XXXX Employee ID XXXX who informed us that the they have all the documents needed and the file is currently in review with underwriting and we can follow up within 30-90 days. On that VERY same day, the lender kicked the file back to the loss mitigation department requesting additional information. Not one call was placed to my attorneys office, to myself nor were any notices sent out to inform us that now MORE documents were being requested. So now XX/XX/XXXX when call the lender, we are informed of the additional information now being requested and that they have now released the hold from the trustee sale for XX/XX/XXXX because they claim the documents must be received at least 14 days before the sale. Even if they did call me on XX/XX/XXXX, the day the lender requested those docs, that is not even 14 days to submit so therefore they are contradicting themselves. How is this fair? How can they request documents knowing that there are not 14 days left until the foreclosure sale and then demand they are to be received 14 days before the sale? To make matters worse, not once during this loss mitigation process have I ever been assigned a Point of Contact which is a violation of HBOR. I am extremely disappointed and stressed out with all of this as I have done my part, but Amerihome is dropping their end of the bargain and treating me unfairly.
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| 06/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX
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| 10/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Amerihome Mortgage. This is a follow up to complaint # XXXX. I will be submitting a letter I received today with the following. After CFPB contacted Amerihome they finally agreed that I did possess a 100 % tax exemption for my property located at XXXX XXXX XXXX, XXXX SC. , XXXX because I am a XXXX % service connected XXXX veteran. The letter states an escrow analysis was completed and I would be receiving a check from escrow overage in the amount of {$3100.00}. I saw the check in my Amerihome online account made out on XX/XX/2018. I called them today as I had not received the check. I spoke to two employees that had no idea what they were talking about, one of them going so far as to that I would only receive about {$2000.00} because I owed back HOA fees, ridiculous because my HOA fees have never been escrowed are are paid monthly through a XXXX bank credit card. The supervisor, XXXX, who refused to provide his last name or employee ID said the {$3100.00} had been deposited back into my escrow account and a separate analysis said the refund was less over a {$1000.00} because I had to keep a padding in my escrow account of 2-3 months. My insurance is {$27.00} per months and even after the {$3100.00} check is cut there is still a couple hundred in escrow for insurance. Again, this company is taking advantage of XXXX American veterans and more than likely anyone that does business with them. Please, I am asking you to take action against these crooks, their entire staff is incompetent and knowledge of their product and the laws about servicing them is nile. These people are crooks and a federal investigation of their practices should immediately be launched. I finally spoke to XXXX XXXX who signed the scanned letter and she also was unable to provide an explanation. Unbelievable a company sends a letter of resolve and then changes their mind.
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| 03/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was granted a trial period of 3 months, but they didn't lower the payments so was still struggling to get the last payment in. On the last day of being able to make a payment I was unable to pay online and was on hold for 45 minutes so unable to make a phone payment. At the time I didn't know it was the last day they would accept payment.
Ever since I have been trying to work through another loan modification and I have been sending so much paperwork in, and when I talk to the people on the phone they tell me everything is fine and that they have everything.
But I don't always get the same answers and I never know who to believe. Recently I called 4 times in 2 weeks a Thursday and then Tues, Wed, Thurs the next week and everyone I talked to said I had all my paperwork in.
But when the Attorney General received my paperwork and tried helping me out they started to say that one of my papers was outdated and they closed my account. They told him that they tried contacting me and they sent me letters but, I would like proof because I never received the letter saying I needed an update date, and why didn't the people on the phone inform me?
I haven't heard from them in what seems to like a year until the other day, That is what prompted my call to them the first Thursday mentioned earlier the person I spoke with worker XXXX around XXXX central time said he didn't know why I got a phone call because everything looked fine.
How can I turn in something I didn't know they needed. This keeps going on, I keep getting mixed messages, and they drag things out so long that I have to resubmit everything I already submitted but with new dates. I have re-dated this from " hardship '' at least 3 times.
Please help us save our house I have XXXX grandkids living with us along with my daughter, son-in-law and boyfriend who also owns the house.
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| 01/17/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I went into XXXX XXXX XX/XX/XXXX. My forbearance ended XX/XX/XXXX however due to a lapse with extending the forebearance in XXXX XX/XX/XXXX i was put in foreclosure status. I applied for a modification XX/XX/XXXX and was approved for a stand alone partial claim XX/XX/XXXX. However, I appealed it in an attempt to get a modification in addition to the stand alone claim. Since appealing i have had to completely start the process over again and submit paperwork already submitted and there has been little to no communication with anyone. i keep getting alerts that there has been an update to my SECOND application for assistance but when i log on there is nothing. The mortgage company keeps calling me with an automated message telling me to call them asap so when i turn around and call them back noone has a clue why i needed to call. I can not access my account or any information about my loan they have locked me out. Yet they keep sending me emails to my mortgage account communicating with me ( but locked me out ). They wont let me pay anything and can not obtain tax documents needed to do taxes. They also sent me a refund check for overage in my escrow last year that i did not receive until XX/XX/XXXX and then placed a stop on the payment but noone can tell me if it was credited back to my account. I call the attorney and cant get ahold of him. I am beyond stressed bc this process is so unorganized and impersonal. We seem to be getting nowhere and just backing up. This is a huge deal and life altering bc its my home and im asking that this please get resolved. Allow me to get this processed and done and allow me access to MY information regarding my loan so i may file my tax returns for the past XXXX years. PLEASE COMMUNICATE WITH ME. Calling me telling me to call you back is not communicating. This has been going on way too long.
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| 02/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am a XXXX in the XXXX XXXX whom was deployed from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to AmeriHome Mortgage while I was still deployed to an austere environment. The only notification of this action was sent via the Postal Service which I was not home to receive. I had selected auto payments for the mortage with XXXX XXXX and that information was not relayed to AmeriHome upon sale of the mortgage. Subsequently, AmeriHome did not receive any mortgage payments from me for 3 months until I returned home from deployment and collected the notification in my mail. Without receiving payments, AmeriHome began to report my account as delinquent which negatively impacted my credit score ( from XXXX down to XXXX XXXX. I am a Single XXXX ( no dependents ) and the rapid nature of the deployment did not allow time to set up any mail forwarding. I contacted AmeriHome immediately to sort out this situation. At first, it seemed AmeriHome was going to help to fix the problem as they requested I send in my deployment orders to verify I was indeed deployed during the time they took over my mortgage. AmeriHome verified I was deployed and waived the late fees as I made a lump sum payment to get my account current in XX/XX/XXXX. However, AmeriHome was not willing to retract their negative credit reporting on my account with the company. AmeriHome maintained that their reporting was accurate and my inquiries with XXXX XXXX, and XXXX had the same response. It wasn't that I didn't have the monetary means to make the payments. The problem is that I was deployed, notification of the mortgage sale was sent in a manner that was impossible for me to receive in a timely fashion, and my payment information was not conveyed between the old mortgage holder ( XXXX ) and the new mortgage holder ( AmeriHome ).
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| 09/09/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Today is XX/XX/XXXX. I have a mortgage through Amerihome Mortgage who purchased my loan in XXXX. I went through a two month period where I didn't receive my normal XXXX XXXX payment and I fell behind on my XX/XX/XXXX and XX/XX/XXXX payments. I called a HUD financial counselor for advice and they suggested I ask to participate in a repayment program.
When I called Amerihome to request a repayment plan option, they told me that they did an escrow analysis and my school taxes jumped from around XXXX to XXXX a year. AS a result, my monthly mortgage payment starting in XX/XX/XXXX ( I am atatching the statement ) going forward is now XXXX dollars. Due to the high payment, I did not qualify for a repayment plan option.
I got copies of my tax bills from our County Assessor 's office to verify that my taxes hadn't gone up that high - actually not a t all. I called Amerihome back and tried to get answers on who how and why they decided my school taxes were XXXX a year. They told me that just happens sometimes and they have no control over it. I spoke with the person in charge of my escrow account and he had no explanation either. They told me they were going to put in a work order to do an investigation which would take about 30 days.
In the meantime, hey repayment plan is not an option for me and in another 30 days I will be in a worse situation. I can get caught up for XX/XX/XXXX for now but the XX/XX/XXXX payment is XXXX and this company does not accept partial payment. I went down that road before where I sent two partial payments of XXXX and XXXX, they cashed one of the checks, then sent me letters saying I owed the full amount because they don't accept partial payment. It took me almost two months of arguing to get that money back from them.
I need help and clearly my school taxes aren't XXXX!
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| 06/27/2019 |
Yes |
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome Mortgage company. At the moment my mortgage is 2 months behind. I have a water damage claim with them through my homeowners insurance. The date of loss was XX/XX/XXXX. I submitted the endorsed insurance check from XXXX XXXX 1 week after the date of loss. To date I still have not gotten any of the money to repair my home. Ive called in several times and been told something different each time. I was told to send a letter of request asking that the late mortgage payments be taken out of the insurance money and the rest be returned to me for repairs. The request was denied. Then I was told to send a letter stating in detail the issues that I was having providing the contractor documentation. Due to the busy season and my state requirements they ( all 8 contractors that I got bids from ) said that they cant provide all only some of the docs and since they already have lines out the door for work if they did have to provide them, it would push start and completion date out at least a month. I sent the letter in. Again it was denied and no money released. I am now paying a contractor out of pocket to fix my home. I was told then even after proving a signed contract ( pending ) and receipts of items Ive purchased ( also pending ), I will still have to provide waiver of lien and even then I would only get my money back if corporate approves. With 2 denials from corporate already I feel like Im never going to get my money back. Not to mention how stressful this is in the meantime. This is ridiculous. If this complaint is not resolved with full payment to me immediately I will get legal representation. Me and my XXXX year old daughter have been out of our home for over a month and I as a single mom am having to pay for repairs out of my pocket. This is simple unacceptable!
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| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I refinanced my home, the mortgage was sold immediately to Amerihome Mortgage. I received a letter in XX/XX/XXXX from Amerihome stating that I did not have home owners insurance on my property, and they were going to start applying forced insurance to my mortgage if I did not supply them with insurance for my property. I called them immediately and let them know that XXXX, XXXX Home insurance, was my Home owners insurance since I purchased the home in XX/XX/XXXX. They told me that they knew that XXXX was the insurance company on the home but they needed a new Declaration page. So I called XXXX/XXXX the same day and they sent the Declaration page to Amerihome. I received another letter from Amerihome dated XX/XX/XXXX, that said this was my second and final notice that they were going to start charging me since I did not have insurance. I also received a letter from XXXX saying they had canceled my insurance because Amerihome did not pay them the premium from my escrow account. So I called XXXX/XXXX and they explained to me it had not been paid so I paid them the {$470.00} with my credit card. I called Amerihome again they told me that they had received the information from XXXX but it did not list them as the lien holder, I asked if I had XXXX send them the updated Declaration page would they refund my {$470.00} and they said yes. I called XXXX, and they sent the corrected Declaration page to Amerihome. I called Amerihome to make sure they received it and they said yes, I asked when I would receive my refund and they said a week to 10 days. I waited and never received the refund. I called Amerihome 2 days ago to see what the problem was, I spoke with a customer service agent and explained my problem, she put me on hold for 43 minutes and then hung up on me. Please help me.
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| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our Mortgage was recently sold to AmeriHome Mortgage Company , LLC ( " AmeriHome '' ). We remit payment for our homeowners insurance through our monthly mortgage payment which is held in escrow and then used to pay our annual insurance premium. Our insurance company XXXX XXXX XXXX has sent multiple bills to AmeriHome and AmeriHome has failed to remit payment on our behalf for the annual insurance premium.
Both we and our insurance provider have called AmeriHome nearly a dozen times to try to resolve the problem without success. Nearly each time we place a call to AmeriHome, the wait time is greater than an hour to speak with a representative.
On at least two occasions, the AmeriHome representative has assured that payment would be remitted to XXXX with overnight delivery, however, AmeriHome has yet to remit the payment from our escrow account to date. This issue has persisted for greater than 2 months.
On three occasions, we have requested to speak to a supervisor and the respective AmeriHome representative states they are unable to transfer the call, but assure a supervisor will call back ; no supervisor has ever returned a call.
Ironically, AmeriHome has sent at least 2 letters to us notifying that our homeowners insurance policy is at risk for lapsing, which has been entirely caused by their incompetence and failure to remit payment.
We have timely made mortgage and escrow payments each month, even paying greater than the minimum amount each month. AmeriHome has willfully failed to remit payment from our escrow account for our annual insurance premium. They have had written notice from the insurance company, and both we and the insurance company have put them on notice via phone communication on multiple occasions. AmeriHome has failed to take any action to resolve the issue.
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| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ive been trying to get help from My loan servicer, AmeriHome Mortgage LLC. Ive applied for the past 4 months for a Repayment Plan. Each time the servicer approves then removes the payment plan without explanation. When I call Im told theres a system glitch or either given some other reason that doesnt make much sense. Each time that Ive called ( at least 15 or more over the past 4 months ) Im questioned, told that I will be helped, granted a repayment plan, the.n 2 weeks later the Repayment plan cancels without reason. Ive been told that its my fault because I made a payment even though the agents ALWAYS instruct me to make a payment as a down payment for the Repayment Plan. Each agent tells me different information and its never clear or consistent. One agent informed me that I was eligible for an additional month of deferment, but that I had to wait and request it after the approval. I waited and requested it. I was informed that, that agent was incorrect and that I was unable to get assistance. On two occasions I was sent the Repayment Plan approval letter ( I have proof via screenshot ). I signed it and returned it and the Repayments was still cancelled. I have called and been told that since I made the down payment Im no longer behind enough on my mortgage to qualify. So I was advised to wait and get behind an additional month. I tried this and was approved, then 13 days later it was cancelled and I was considered 21 days behind because the company had taken the down payment on the day I called. It has been frustrating, devastating, and has exacerbated my anxiety. I recorded the last phone call and the lack of knowledge, customer care, and support was profound. I need help please! Im sure that there egregious actions and constant glitches to their system is illegal and negligent.
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| 12/06/2017 |
Yes |
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- Trouble during payment process
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Web |
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On XXXX XXXX, my County taxes were paid {$1700.00}, but the due date was XXXX XXXX. There is a separate transaction on XXXX XXXX for " city, utility disbursement '' for {$130.00}, which is the 10 % penalty for being 5 months late.
On XXXX XXXX, My two township taxes of {$850.00} and {$23.00} were paid, but the due date was XXXX XXXX. There is two separate transactions on XXXX XXXX for " city, utility disbursement '' for {$100.00} and {$2.00} for the two 10 % penalties for it being 6 months late.
On XXXX XXXX, my school taxes that were due XXXX XXXX, were paid {$3600.00}. There is a separate transaction for 10 % penalty under " city, utility disbursement '' for {$440.00} for taxes being 3 months late.
Totaling {$690.00} in penalties.
We purchased this house in XXXX of XXXX and had an escrow account set up with our mortgage from day 1. We do not receive any tax information until we receive a receipt that it is paid or we have received a final notice saying there will be a lien placed on our house if the taxes remain unpaid. Our tax information gets sent directly to the mortgage company, which is the point of having an escrow. The mortgage company is paid to take care of paying all the taxes ON TIME. I was told this is my fault for all the taxes being paid late, but other than making my mortgage/escrow payments ON TIME I should have nothing to do with it. This has been an on going saga for over a month and is still yet to be properly resolved.
I have filed multiple complaints within the company and the company supposedly " looked into it '', but they keep responding with they have paid my taxes on time which is not true. On their website through my account, you can see that the taxes were not paid on time as well as logging on to my county website to see they were late as well.
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| 09/21/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Good afternoon, I am writing to complain and get help with a very unethical company that now calls themselves Amerihomemortgage Company. We purchased our home in the fall of XXXX XXXX with XXXX. They were great for the first month. We found out or mortgage was sold to XXXX that fall. From the beginning we have had problems with this company not applying payments, and harassing us. The switch between mortgage companies lost the first 2 payments, which we just though was our fault. We did not realize how naive we had been until XXXX of this year. We have been sending XXXX letters to rectify payments that they had not applied to the account, since they decided to send our payments that we have been sending in back, and constantly calling and hanging up about 10 times a day from XXXX to XXXX. We have tried contacting the company, but they refuse to communicate with us, and because we sent them letters, they finally replied with a letter from their attorney to either have us pay XXXX which is the loan, or lose our house. We send in the same documentations we have been sending XXXX to their lawyers, and have not heard back from them either. The situation is still not fixed. We attempted to pay the full amount or around XXXX $ that they claim we owe, so we could then have piece of mind, and take them to court, but they would not even allow this to happen. Our family life is a very anxious and depressed situation due to this, and both my wife and myself have sought out medication, and a lawyer for that matter. Attached are documents showing the information. This company even tried to blame our bank, who gave of trace numbers for the payments in question. We are overwhelmed, so we started researching this company and found we are not the only people to have these problems with the company.
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| 11/01/2019 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage contacted me in XX/XX/XXXX to discuss refinancing the loan, I was surprised by the call due to fact I only had the mortgage loan for 6 months. I refinanced the loan wth the 1st being due XX/XX/XXXX @ $ XXXX. I continued to make this payments timely. In XX/XX/XXXX. I received a Escrow statement dated XX/XX/XXXX, that my new payment would be {$1800.00}. I reached out to my mortgage company Escrow line and spoke with several representatives that offered no real help or solution. As a last resort I looked at on the companies website, sent an email requesting help since I am a 1st home owner. I received a call from XXXX XXXX from the corporate office, who became my contact person. I was asking the company to reimburse me for the additional money I paid and still paying towards the Escrow shortage. After speaking with XXXX for 2 months, I was advised on XX/XX/XXXX by XXXX that the company denied any wrong doing and denied to reimburse for any funds, due to the following reason. My loan was originally with XXXX XXXX and was transferred to AmeriHome Mortgage when this was done, AmeriHome sent a check for approx $ 3k, then when I refinanced in XX/XX/XXXX, I received additional funds for approximately {$1000.00}. the company states I should have sent these funds back to them and this would have taken care of the shortage, no where on the check did it state I was to send the check ( s ) back to them, plus the funds received were used to make my monthly mortgage payments due to the fact, when Amerihome Mortgage contacted to refinance, I was unemployed therefore, I did send the funds back, but it was in monthly installments. All I want at this time is for the payment to go back to $ XXXX and be reimbursed for the additional funds I have been paying since XX/XX/XXXX to present.
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| 06/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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Complaint against AmeriHome Mortgage in XXXX, NJ.
- 1st Mortgage payment due XX/XX/XXXX, payment attempt made XX/XX/XXXX via phone using routing and acct number after online payment could not be made online because of Amerihome 's website failure. A confirmation number was provided at that time for phone payment. Phone call made XX/XX/XXXX to fix problems logging onto account and discovered that no payment had been made.
- XX/XX/XXXX payment made via phone for full amount - XX/XX/XXXX " returned payment reversal '' for no explained reason, and no notification, and now our payment is late - XX/XX/XXXX payment attempt number 3, also for full amount.
- XX/XX/XXXX : payment confirmation email received - XX/XX/XXXX another " returned payment reversal '', again for no known reason, no notification - XX/XX/XXXX payment attempt number 4 made over the phone to Amerihome representative, now in collections! Finally gained access to our online account to see our payment history, very concerned about our credit score being severely affected through no fault of our own. AmeriHome is not able to email their customers ANY confirmation of payment. This is unacceptable! Amerihome representative promised to call us on XX/XX/XXXX to confirm payment " cleared. '' We were assured payment " should clear around midnight. '' XXXX : contacted collections to establish a credit dispute. Amerihome representative looked up payment information in the system and confirmed it was correct and that payment had been made that day. Representative unable to say whether payment would clear in time to avoid reporting to credit bureau. Representative said website goes down " every now and then. '' The representative was unable to explain why the payment was confirmed and then reversed 6 days later.
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| 02/03/2023 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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Hello my name is XXXX XXXX and XXXX XXXX. I'm contacting you due to how our modification was handled with Amerihome Mortgage. We did the Covid 19 option to place the payments on hold. After Covid relief was over my husband applied for a modification. It took Amerihome Mortgage almost a year to let us know he did not qualify due to his income was too low. Amerihome told us to call them 1x a month and we did. We called and was told as late as XX/XX/XXXX that everything was fine and it looked like the modification was good. We called the beginning of XXXX to and found out the modification was denied and the house was sent to an attorney. They never asked for more income because I could have easily been added to the application as a contributor. Since affordability was why he was declined it shouldn't have taken such a long time to let us know this. Affordability something that should have been identified at the beginning of the process. Now the loan is XXXX behind and more than a year, which made us ineligible for the XXXX grant that Georgia provides. It also made us ineligible for a few programs FHA provides since it's more than 12 months. The house is being set up for foreclosure now. I have reapplied with our combined income ( I'm not on the loan ) but I am worried about Amerihomes competency in offering modifications. I can not trust what they say. We have also emailed the Attorney, XXXX XXXX, and called and haven't received a call back or response to our email. No one should be treated this way. The COVID 19 mortgage assistance has backfired and Amerihome mortgage shouldn't be allowed to do this to people. Our modification was mishandled. We asked several times for a Supervisor to call and never received a call back from anyone in management.
XXXX XXXX
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| 07/09/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Back in XXXX or XXXX of XXXX, we had to go on forbearance due to the COVID crisis because my wife 's company had to close. Once we were back up and running in XXXX, we talked with AmeriHome Mortgage about a loan modification. I filled out the paperwork, submitted it and start making my monthly payments for the trial period. Once that was complete, they never gave me any updates and advised there was no movement on my modification. In XX/XX/XXXX, I was finally able to get some answers after being on the phone with several dozen people and spending well over 80 hours of my time. They advised my modification was denied due to a lien on my title. I knew there was no lien on my title so I contacted my title company and they did a search and sent me proof of a clean title. AmeriHome never allowed me to protest the findings and simply closed the modification without notifying me. Since then I have spent well over XXXX hours on the phone with nearly XXXX or more different people to continually get the run around and no assistance to help correct this issue. So right now they won't even allow me to make my monthly payment until this is resolved. I have emailed, uploaded, and mailed the clear title and loan modification application 5 times and they are still asking for the application. I have been hung up on countless times and transferred to dozens of people who still can not assist. I have requested at least 20 times to speak with a supervisor to only be told they would put the request in to have them call because they can not transfer them and then never get called back. I have never seen a company operate in such a manor and to have such gross incompetence from everyone I have dealt with. I have also never seen a company not allow you to pay them what you owe.
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| 07/13/2018 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.
|
| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Last year while I was with Amerihome mortgage, after much trouble due to miss information given to me by their account agents, I made a large payment in XXXX in order to pay down my principal. Once the payment went through, I spoke with an agent who informed me that the payment amount would be reworked, and he gave me no further information. I did not know at the time that it was called a recast, and that there was a fee attached to it. The agent gave me none of this information.
When I went online XXXX XXXX to make my payment and saw that the amount and not changed, I immediately called them to complain. It was at that time. They told me that I had to make a formal request to have the payment recast. This is the first time I had heard that term I was not given any information regarding a fee in any way shape or form. I then wrote a letter and signed it, asking for the recast. It was emailed to them in around XX/XX/XXXX. Shortly there after I got a note from them telling me that my mortgage was being passed off to The XXXX XXXX
I called him XXXX XXXX to ask them about the payment amount, and they informed me that my note could not be recast for another XXXX months, that it would cost me {$300.00}, and then I would need to pay another large sum towards the principal. Needless to say this ticked me off to no end, but as I was very busy at the time, I figured I could make it through another XXXX months of payments. At Least they gave me accurate information, which I can not say for Amerihome mortgage!
But no!! Just as the XXXX month period rolls around, they passed me off to yet another company, who is giving me the same story! I feel like I will never be able to get this fee reduced, and it is really eating my lunch. I hope you can help! Thank you.
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor... and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again.
AMERIHOM MTG XXXX Date Opened XXXX XXXX Balance : {$0.00}
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| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
My account was debited for {$2400.00} on XX/XX/2023 and an additional {$2400.00} on XX/XX/2023. These transactions were not authorized. I called the company and they told me they could not discuss with me anything about the transactions because I am not a client of theirs. I explained to them that they withdrew funds from my account without my authorization, and I need to speak to someone in upper management or a fraud department to retrieve these funds. They told me that they can not speak with me and they told me I should file a police report and fax it to them at XXXX on XXXX XXXX. I spoke with XXXX XXXX, and she was in the reference research department. I contacted my financial institution which is XXXXXXXX XXXX and they launched an investigation and was unsuccessful in trying to even speak with someone in the company. There is no department or person that handles these issues of fraud. This company seems like a hoax, and I was even made to do a three-way call with my financial institution and Ameri home mortgage, which is the company who subtracted these funds from my bank account. I do not know what else to do. I also filed a police report and faxed it to that number above. I still have not received any communication or correspondence, nor have I received the refund my money. Please help me in this situation.
I also document some information from XXXX when I spoke to another representative, here are a copy of the notes Ameri home XXXX XXXX XXXX Dept customer service Employees number XXXX Tuesday XXXX XXXX Call was XXXX This was my first call.
Im just giving you all of the information that I have.
My financial institution, XXXX also said that you can give them a call and they also have their own set of notes they can provide as well.XXXX
|
| 07/01/2020 |
Yes |
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- Trouble during payment process
|
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Web |
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On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX {$450.00} was returned to our escrow account Taxes should have only been paid once in XXXX for {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8400.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} Taxes should have only been paid once in XXXX for {$8000.00} It wasn't until XX/XX/XXXX that we discovered Amerihome had sent additional payments from our escrow account to pay our taxes erroneously. Amerihome 's error caused a $ XXXX shortage in our escrow which made our XXXX payment go from $ XXXX/mo to $ XXXX/mo. They refused to take a payment for our normal monthly payment stating they can only take a payment for what their system shows is due, which has caused our account to go past due. We have spent the last 4 months trying to get Amerihome to correct their error with little resolution. When we call in we get told incorrect information and transferred from department to department. We're told that things will take a certain number of days to complete, but end up taking longer and only after we've called in again to get an update on the situation. We've had to write 3 letters so far pertaining to issues that we dispute and need to be fixed or removed. It has taken Amerihome 4 months so far to address the problem with our escrow that we had figured out within a day what was wrong and what needed to be done to resolve it. We fear this will continue for at least another couple of months as they muttle through passing the buck from department to department.
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| 03/30/2023 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/XXXX This company has charged me for taxes on a parcel number that does not belong to me! They said it is on my legal documents but when I looked at my paperwork, I have one property and one parcel number. I already contacted my local tax office. The other parcel number belongs to my neighbor with a totally different last name. I have no relation or ownership to this other property yet I have been charged about XXXX XXXX dollars! This company 's employees are rude and basically told me there is nothing they can do! Someone finally reached out to me regarding this issue in XXXX and said things will be fixed but no action has been made as of XXXX XXXX. They took out my money real quick but are dragging their feet to refund me! This is not my fault at all. They literally charged me for my neighbor 's taxes twice XXXX and XXXX and have not fixed their mistake. Supposably the other parcel was taken off my account but my refund has not be made. My escrow account was negative due to the overage of paid taxes out of the account. I now have to pay for an escrow shortage because the almost {$5000.00} was taken from it! I call and call and the agents are rude and no one wants to help. They said nothing can be done until they see I get a refund but that makes no sense when they should see on their end that they made a mistake and they owe me! They have little to no knowledge and also hang up on me! This is a serious issue! This is the second XXXX complaint and third complaint overall regarding this matter! It is the only way to get someone to communicate! I need a refund asap or I will take action with an attorney! This is ridiculous! I need a written explanation of charges, another escrow analysis of last year and this year and a refund ASAP
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| 03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This is the 3rd time I've had to address my Amerihome mortgage account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to Amerihome on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the XXXX XXXX report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from XXXX XXXX XXXX. I am escalating this issue because AmeriHome mortgage had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that Amerihome already has to expedite the resolution of this issue.
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| 05/13/2019 |
Yes |
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- Trouble during payment process
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Web |
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Per complaint # XXXX, Amerihome Mortgage Company accepted responsibility to negligence on our account, and agreed to refund every month of overpayment on our account.
The complaint was closed a month ago, and our account has not been reassessed for a corrected future payment. Our payment is the same as if we were still overdrawn in escrow ( they have refunded the incorrectly collected escrow fees ... but no change in our payment? ) We have not received a refund for overpayment. Our account has not been reassessed for future payments. I do not believe that Amerihome plans to correct this issue, as promised. I believe that they plan to ignore the decision agreed upon in the closed complaint referenced above.
Additionally, Amerihome has now tacked on a phantom charge onto my account. When accessed through an online portal, we are shown to owe no late fees, and to be current. The physically mailed bill contains a {$120.00} " fee '' that is now considered late ( please see attached photos ). Customer service agents are unable to explain the discrepancy, or where the fee came from/when it was applied. I am worried this will hit my credit, as it is not listed on my online bill ( how my monthly bill is auto-paid ) and therefore is considered " late '' on one bill but not another? The fee does no exist across all of their platforms, and is impossible to tell if it is legitimate.
This company is acting in extreme bad faith to their consumers.
I have : *A : not been paid back the amount that the overcharged me, as promised.
*B : Not had my bill reassessed to reflect the correct amount I should be paying.
*C : Now been charged on one billing mechanism ( but not another )? for a random fee that no one can explain to me.
Please help.
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| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This is a complaint is against the AmeriHome ( AM ) ( 1 ) fails to process my payment via XXXX ; XXXX 2 ) making harassing collection calls at my work until I made an extra month of payment ; ( 3 ) rejecting XXXX Proof of Payment and refused to credit the payment to my account.
On XX/XX/XXXX, XXXX made an electronic payment to XX/XX/XXXX. On XX/XX/XXXX ( XXXX before grace period ends XXXX, I received a collection call from AH at work. As soon as I picked up the phone, there was a recorded message This is a debt and collection call from AmeriHome, if you are XXXX XXXX This is super embarrassing if the call came through reception. I received 2 mores collection calls after that.
I called XXXX inquiring about the payment and to double check if the bank has all info correct. XXXX confirmed payment was made on the XXXX and cleared on the XXXX. XXXX confirmed the account number was correct and provided a Proof of Payment to be sent to AmeriHome.
In order to avoid more harassing calls which interfere my work, I made an extra payment on XX/XX/XXXX, expecting that it would apply to the XXXX payment. On XX/XX/XXXX, I called AmeriHome about the issue. The representative, I believe his name is XXXX told me to email the proof to AH. To my surprise, I received a response from AH that they can not respond to my issue because it is unsafe to communicate via email. However, this is the same email address AH has been communicating with me numerous time since XXXX.
I made a total of 2 payments for XXXX but AmeriHome only credit the payment I made directly with XXXX, refused to credit the one month payment via XXXX provided I sent them the Proof of Payment. Please assist and investigate any other victims who run into a similar issue. Thank you.
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| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was in Forbearance that ended on XX/XX/XXXX. I recd a Payment Deferral Agreement from AmeriHome Mortgage that I was approved and to make my XX/XX/XXXX payment for Deferral to be effective. I did the payment and thought that the Deferral was being processed. I called on XX/XX/XXXX and the Agent emailed the Loss Mitigation Dept as to why the Deferral was not processed yet. Followed up on XX/XX/XXXX and spoke to a XXXX XXXX # XXXX who was from the XXXX XXXX and told me that I need to make 4 payments in order for the Deferral to go thru..I told her that the Agreement did not state that. She said bcoz I was late 1 month before the Forbearance started plus the XXXX, XXXX and XX/XX/XXXX payments which totals 4 mos. She took 4 payments totaling {$7700.00}. She said my acct will notated and to call back after a few days to check. I called back on XXXX to check, spoke with XXXX XXXX and told me that the payment didn't go thru bcoz XXXX XXXX failed to read the disclosure and we got disconnected. Told him that we didn't get disconnected as we said our goodbyes and told me to follow up. So I gave my payment again as I checked my acct, the money still there. He took it and gave me conf # and told me to follow up on XX/XX/XXXX. In the meantime, I received another letter about my delinquency and to contact HUD Counselor. I'm having anxiety that they will foreclose my home. I called back today XX/XX/XXXX and spoke with XXXX XXXX XXXX # XXXX and advised me that the $ XXXX plus payments were returned back to me and he and his Lead don't understand why it was returned again and why the Deferral was not processed yet.
This is why I'm filing a complaint because this has been going on for months now and the Deferral has not been processed.
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| 12/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX, I received a mortgage loan in the amount of XXXX, from AmeriHome. I immediately began to aggressively pay off the loan. On XX/XX/XXXX, I only owed a total remaining balance of {$2700.00} ( at that date ). I paid that amount and it was applied to my loan. The remaining interest was calculated on XX/XX/XXXX. It was calculated to be {$27.00}. I immediately paid that amount and it was momentarily applied to my loan, showing a XXXX balance. The next day the remaining balance was back to {$27.00} and the website indicated a payment was received in the amount of {$27.00}. The following day the balance was still {$27.00} but it now indicated that no payments had been received on the loan.
I contacted AmeriHome numerous times on the phone and on their internal website email ( well over a dozen times ). I contacted numerous agents and no one could tell me why my loan was not fully satisfied.
Today ( XX/XX/XXXX ), I again spoke to an AmeriHome agent who indicated that the {$27.00} was being held by them in suspense. She related that AmeriHome did that because if they applied the {$27.00} to my loan, my loan would have a XXXX balance. She demanded that I send them an additional {$170.00} so that they could apply the {$27.00} to my loan.
The agent stated that they needed the additional funds ( {$170.00} ) as a recording fee. She also stated that on XX/XX/XXXX, I would be required to pay the full normal payment of {$1500.00}, regardless of the fact that I do not owe them any further monies on the account.
I immediately sent AmeriHome the {$170.00} in duress and against my will. I believe that AmeriHome has no intention of showing I paid off the loan and they are committing fraud to extort money not due to them.
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| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome has a new website : During website account registration, and each and every time we log in, we are forced to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy policy We do not want our information sold or shared with non-essential affiliates or marketing companies. However, our attempts to contact AmeriHome for clarification by - calling " customer support '' ( XX/XX/21 for over an hour ) - XXXX - email - XXXX ( XX/XX//21 ) - send an online form with our question per their " IT '' person 's request after calling AmeriHome 's customer support number again - XXXX XXXX Incident : XXXX ( XX/XX//21 ) are confusing or ignored, by either AmeriHome 's customer service line, their IT Dept, and XXXX.
Called today ( XX/XX//21 ) to confirm that we are opted OUT of AmeriHome / XXXX XXXX marketing / sharing or selling of our loan or PII data after logging into their website today and having to agree, yet again, to their Terms and Conditions and so-called Privacy Policy, yet could not get a clear answer. When asked by customer service if we opted in, in fact, Yes, we have opted in because FORCED to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy Policy in order to look at this website to review our current 's month 's loan activity and e-document messages.
We are finding AmeriHome 's lack of clarity, conflicting information, and our inability to ask for and remain opted-OUT very shady. Is this not a banking / mortgage institution, or in fact, a free-for-all shady data sharing company? AmeriHome customer service does not appear to be aware of their own IT Dept 's, XXXX, data sharing activities, or if they are, they are hiding behind their vendor 's activities : XXXX XXXX XXXX XXXX XXXX
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| 02/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a few mortgages with Amerihome mortgage and one with XXXX XXXX. My home insurance recently changed. It used to be with XXXX, it is with Auto-Owners now. My Auto-Owners agent provided everything that is needed to both XXXX XXXX and Amerihome Mortgage to update the records to include new insurance. The problem is that both XXXX XXXX and Amerihome had the amounts listed as {$6400.00} for each of the properties which is incorrect. It is supposed to have individual amounts for each property and not combined amount for all of the properties. My Auto-Owners agent contacted XXXX XXXX and Amerihome verbally and by fax to have the numbers updated. XXXX XXXX updated the amount to what it is supposed to be, however, Amerihome is not updating the insurance premium and it has it listed as XXXX for each of the properties which will be an issue when its time to pay out the premium as well as do escrow analysis as my mortgage payments will increase. My agent faxed a letter of explanation including the policies and the amount breakdown for each property on XX/XX/2018. She spoke with the agent verbally on the phone and I spoke with agent who confirmed that she saw the fax and that it will be corrected. I checked the records and after a few days it still hasnt been corrected. This will create an issue for me in the next few months as the insurance premium will be paid XXXX times all of the properties to over {$30000.00} instead of XXXX for all of them and my mortgage payment will skyrocket if it is not fixed before than. My insurance agent has done everything what was needed and faxed the documents in and I am helpless a this moment. I hope Amerihome Mortgage can fix this issue as XXXX XXXX already did before it is too late.
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| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid off my mortgage with AmeriHome XX/XX/XXXX, at that time {$1500.00} was remaining in my escrow account at was to be sent to me via check. I called prior to payoff and after to confirm this information as well as reviewed on line. On XX/XX/XXXX AmeriHome mortgage disbursed {$180.00} in mortgage insurance AFTER my account was already paid in full. These funds should not have been disbursed to mortgage insurance they were to be sent to me as the account was PIF, no additional Mortgage insurance should have been paid. I received a check for {$1300.00} in escrow funds, it should have been the full {$1500.00}. I have called no less than 8 times in the past 2 months to try to resolve this matter each time being told different information, including they reached out to Ins to get the funds back, including that the check has already been sent to me, and now XX/XX/XXXX I was told none of these had been done, and that I would need to call insurance and request a refund. That is incorrect, first I have no idea who the mortgage insurance is through, secondly AmeriHome made the error!!! They disbursed funds over a week AFTER my account was PIF. I refinanced with another company, they have already paid any necessary Mortgage Ins. AmeriHome should have sent me a check for {$180.00} immediately upon notice of their mistake, and then worked to recoup the funds THEY SENT IN ERROR from the Mortgage company. It has now been 2 months that they esentially stole {$180.00} from me, so I expect that returned ASAP with interest. I have requested a manger multiple times, transfer around, hung up on, and told tons of conflicting info. I also tried to contact them via there website on the contact us now form and have not heard back.
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| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have communicated with Amerihome regarding my mortgage on numerous occasions since XX/XX/XXXX. I have requested an escrow analysis twice ( XX/XX/XXXX & XX/XX/XXXX ) to ensure my Homestead Exemption was reflected on my account with my new tax rate. I sent the Tax Bill to Amerihome when I requested the first escrow analysis. I have yet to receive the analysis and my XXXX taxes are still being utilized to calculate my XXXX escrow resulting in me paying a mortgage payment that is way higher than it should be. Additionally, I have escrow overage. I'm sure at least a portion of it should be refunded to me.
In addition to my calls, I have emailed Amerihome customer support department twice and also requested to speak with a supervisor several weeks ago. No return contact from either. I called again today and requested that a supervisor contact me regarding the overage I'm being charged in my monthly mortgage payment and the escrow overage that is being held in my account.
My taxes in the amount of {$6600.00} were paid by Amerihome in XX/XX/XXXX yet, they are still using my previous year 's tax rate of {$10000.00} ( which is incorrect ) to calculate my monthly escrow.
My Insurance & Taxes : Homeowners- {$4100.00} Flood- {$1300.00} Taxes - {$6600.00} Total - for {$12000.00} Escrow : Account as of yesterday - $ XXXX Monthly escrow being collected - {$1300.00} per month ( X 12 months =. {$16000.00} ) If you add the money in my escrow account ( {$9300.00} ) to the annual amount Amerihome is collecting ( {$16000.00} by the end of XXXX ) they will have {$25000.00} of my money. If my insurance and taxes are {$12000.00} for the year, why does Amerihome need an additional {$13000.00} of my money?
Kind regards
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| 12/21/2018 |
Yes |
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- Trouble during payment process
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Web |
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I purchased my home in XX/XX/XXXX. Last year I was hit with a XXXX dollar property tax bill. The previous owner upgraded the house using a pace loan and didn't end up paying the lien off before the XX/XX/XXXXtax bill. The Missouri XXXX XXXX XXXX did everything in their power to help me. They reimbursed me XXXX dollars which was the extra amount included in my taxes. My Mortgage company on the other hand has done everything in their power to keep me paying a double mortgage rate. They did the Escrow analysis last year in XX/XX/XXXXon my loan. I started paying double the mortgage because I had to get the Escrow account back to even because of the increased property tax bill. Soon after that I found documents on the XXXX County website that stated the lien was removed from the house. I sent those documents to my Mortgage company and they told me it was not enough to prove that the lien was paid off. In XXXX they said they needed a XXXX tax bill to prove that the lien was gone. Well I waited till XXXX, paying double the mortgage the entire time, sent them the new tax bill and they paid it on XX/XX/XXXX. The last time I contacted them on XX/XX/XXXX they said that my Mortgage would drop back to normal in XXXX. I just got my latest statement and they are still charging me double. At this point I have paid more money into my escrow account than I have paid in interest and principal combined. I haven't actually " lost '' any money yet but I have been living paycheck to paycheck for the last couple months and I have had to go to bed hungry way too many times because of them. The negligence and unwillingness to help customers is pathetic. I hope that no one in this state ever has to deal with this company.
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| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I closed on a mortgage loan on XX/XX/XXXX with XXXX XXXX XXXX. my mortgage loan was transferred to AmeriHome mortgage by the original loan originator in XX/XX/XXXX. The original loan was for {$240000.00} on a 30-year basis at an interest rate of 5.75 %.
I aggressivly made prepayments to reduce the principal amount before the transfer and after the transfer. AmeriHome consistently misapplied these payments as future payments against interest, as opposed to against principal. When I contacted them numerous times by phone to complain, they applied the amounts against principal, but treated them paid against principal on the date of recharcterization as opposed to the date received. As a result, I paid approximately {$500.00} more in interest payments than I would have if they applied the prepaid amounts as of the date actually received.
To avoid further overcharging, I paid off the remaining balance of the mortgage in its entirety in the amount of {$180000.00} on XX/XX/XXXX, and wrote to AmeriHome that day via email to request they research the overcharges for interest, correct the record to apply prepayments of principal as of the date actually received, and refund interest improperly charged. I have received no response.
AmeriHome 's records confusing as a result of their misapplication of funds and recharacterization on different dates, making it very difficult for consumers to understand what they are doing. A single prepayment can thus have two or three entries. Even their own customer service staff have difficulty understanding the history due to their records. The accounting problem hides the overcharges, especially for consumers who are not adept at reading accounting statements.
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| 08/17/2021 |
Yes |
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- Trouble during payment process
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Web |
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We have an FHA mortgage. We had refinanced with FHA streamline ( XX/XX/XXXX ) and our first payment was XX/XX/XXXX. Our Principal Balance was {$390000.00} ( monthly payment of XXXX ). We entered into Forbearance due to job loss/salary loss from Covid in XXXX of XXXX. We were on forbearance for one year. We exited the program in XXXX of XXXX and qualified for the Standalone Partial Claim to the amount of XXXX. we have been making out payments of XXXX ( the new amount after the SPC ) We are currently attempting to refinance said FHA product and enter into a conventional mortgage vehicle. We were contacted by our mortgage broker that our credit reports have the mortgage as " Under Loan Modification other than government program '' which has propted several of our CC isuers to lower creditlimits and increase interest rates. We contacted Amerihome on XXXX and have yet to have this corrected being told ... '' they are all reported this way ''. That being said when we recieved the payoff letters we were startled to see that the mortgage requies a payoff satsifaction amount of {$380000.00} and the stand alone partial claim has a payoff of the aforementioned {$37000.00}. This total is {$29000.00} more than the original loan amount. When I reached out to Amerihome on XX/XX/XXXX I was promptly given the runaround and over the course of a dozen calls with 9 hang ups and a 3.5 hour hold which I gave up on. No one could explain where this additional XXXX comes from or where we agreed to pay said amount when entering/exiting forbearance. I was supplied with a payment breakdown for the XX/XX/XXXX payments which brought us current but no answer as to how this additional sum has come into existence.
|
| 11/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I would like to file a complaint about AmeriHome mortgage, based in CA.
We closed on our home and paid off our mortgage in full on XXXX. Prior to selling our house we had to pay all liens on it or the paperwork wouldn't go through. Because of this, we had to pay $ 3000+ in XXXX county taxes that otherwise would have been covered by escrow prior to closing. Amerihome paid our tax bill to XXXX County after we already paid it, so they were refunded the same day, XX/XX/XXXXir.
When XXXX County refunded our tax bill they did it in a lump sum, and I was given the amount that I had to reference by the county representative ( approx {$200000.00} ) in order for them to find it faster in their system. I called on the XX/XX/XXXXasking for an update and I talked to a representative that said they had to open a ticket and that they had 15 business days from the time they received the check to send out my payment - which would be by XX/XX/XXXX. I called back on the XXXX to verify - and that representative said the same thing.
On XX/XX/XXXX ( today ), I called Amerihome back, after I didn't get the check in the mail, to verify that I would be getting it by the next day. The representative that answered, XXXX, told me that what the previous two people had told me was not correct, and that although my ticket was opened on the XXXX, I would not be getting my money back until 15 business days AFTER their ticket was resolved on the XXXX. I understand policies are policies, but they can't go holding over {$3000.00} hostage for OVER A MONTH, when they received a wire transfer from XXXX County on XX/XX/XXXX.
Please help/investigate. I'm sure I'm not the only one in GA having problems with them.
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| 05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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I notified XXXX that Amerihome Mortgage was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX Mortgage that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX Mortgage has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, Amerihome Mortgage also signed off agreeing to everything I just typed. We feel the attorneys representing Amerihome Mortgage is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at Ameirhome they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified XXXX of the error in reporting our mortgage status and within 1 hour I was notified by XXXX that they deleted the trade line from our credit bureau. Now it appears that if you ran our XXXX Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Step 1 : What is this complaint about?
The mortgage company is messing up my credit score Step 2 : What type of problem are you having?
Autopay feature did not work due to their website change Step 3 : What happened?
On XX/XX/XXXX I went online to make my mortgage payment ( early as usual ) and the website was down I was told they changed their website and I had to make a new account so I made a new account and set up autopay, autopay was scheduled for the first of the month but since I had to make a new account the auto pay took time to update and i missed XXXX payment, the website officially was launched on XX/XX/XXXX so there was no way I could have made an account and scheduled auto pay and have time for the update. I was unaware that auto pay was not working because on my end the website clearly states that my autopay is on and was scheduled for the next due date. All I want is for them to acknowledge that them changing the website at the end of the month caused my auto pay not to go through and I had to make a new account and set up auto pay again and it was impossible for it to go through and that the website told me it was set up and registered on XX/XX/XXXX so it is not my fault they didn't take the money out and that they need to refund the late fee and fix my credit score. I can pay them, I have never been late on any payment ever and this is obviously a technical error but the customer service says all they can do is wave a late fee but can't fix my credit score, which suffered drastically!
Step 4 : What company is this complaint about?
Amerihome mortgage Step 5 : Who are the people involved?
Loan servicing department and customer service
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| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Company Name : Amerihome My mortgage is currently in forbearance under the CARES act, since XXXX.
This company calls my cell phone every day at various times, leaving messages that only request a call back. I called them once, waiting on hold for approximately 40 minutes, only to receive a lecture about my options once the forbearance expires ... options which, I might point out, are listed on the monthly mailings I get about it.
I have been out of the country, roaming for two months at this point. I contacted the company via their web portal in a good faith effort to figure out what it is they want. I told them multiple times, via their web portal, that I am unable to call them due to the expense of making calls while roaming. They then informed me that they have removed my number from receiving automated calls. However, nobody at the company has actually answered my " what do you want '' questions and issues mostly just get closed, aside from the most recent " we removed your number from automated calls '' reply. I still do not know what they want, nor am I willing to spend $ XXXXminute to wait on hold with this company while I'm abroad.
Yesterday, I received an email requesting that I update my contact information. I signed into their web portal to update it, and now the automated calls have started again. Based on past experience, I imagine that the voice messages will continue building up at various times during the day until I return to the US, open several tickets on their web portal asking what they want ( which they *never* answer ), or enter a bogus phone number into their system ( which I have just done in an effort to stop the calls ).
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| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Company complaint with Amerihome Mortgage.
I am selling my house and my payoff statement is off by an excess amount of at least {$2100.00}. I have called in several times and sent several messages to customer service with no response. I need a resolution ASAP! I furloughed my mortgage during Covid last year for 4 months. The PRINCIPLE and interest of the four month furloughed, was added on to the back of the loan as ADDITIONAL principle. The principle of that payment should not have been added in as additional principle. That would be paying the principle twice! The principle of those payments was XXXX ( loan statement provided ). So four months of XXXX is at least {$760.00} of principle furloughed that was added on as additional principle! Also, in 2020, our residential taxes changed from {$4000.00} to {$2300.00}. Our escrow account was at least {$250.00} higher than it should have been for each of the 4 payments, so there is an excess of at least {$1000.00} in escrow that was furloughed that was added on to my principle balance.- to further this, our account last year had an excess amount and we received a refund of only {$120.00} at the end of the year. So the escrow that was held in these payments shouldve been paid back.-I also found it strange that we only were paid back {$120.00} from escrow if our taxes were lowered {$2000.00} ... were did the rest of the escrow overage go? I have provided documents and statements. To show the number that needs to be corrected. The total overage is at least {$2100.00}. The payoff should be at least {$2100.00}. less. We are closing on our home sale on XX/XX/XXXX and I need this payoff statement corrected ASAP!
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| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified Amerihome of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau XXXX was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified Amerihome multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to Amerihome that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of Amerihome 's incorrect reporting and refusal to fix their error.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX.
On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment.
I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed.
I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund.
I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.
I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.
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| 06/30/2021 |
Yes |
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- Trouble during payment process
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Web |
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Escrow analysis was performed in XX/XX/XXXX. At this time, Amerihome mortgage company erroneously requested the taxes due for the parcel belonging to our neighbors. This added approximately {$800.00} to our taxes and put our escrow in an approximately {$1900.00} shortage. Monthly payments as of XX/XX/XXXX went up from XXXX to XXXX. In XXXX, we requested information regarding this increase as our taxes had not gone up and were told that this information is accurate and in accordance with taxes paid to the county. Due to COVID closures, we were unable to gather information from the county in a timely manner.
XXXX we were able to receive an answer from the county and learned that we were charged for our neighbors property taxes. We contacted the company via phone several times and were told requests were put in to correct this. We received no answer as to when we should expect a refund or whether we should expect one at all, and were expected to continue and make the increased payments in the mean time.
On XXXX we contacted the company via email and received a response from their escalation department. We were then told that our payments could not be recalculated until the company received a refund from the county, and that should be expected XXXX XXXX ; however, no automatic payments will be withdrawn in the meantime according to Amerihome, and they will allow us to make reduced payments in the meantime. Today, XX/XX/XXXX, we received an email stating that an automatic payment is being processed. We have not heard anything regarding resolution of this matter, other than an email notifying us that they are still waiting for a refund.
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| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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AmeriHome Mortgage sent me a letter in XX/XX/2019, stating that the mailing address on my mortgage account had mistakenly been set to the property on which I have the mortgage. Without my input, AmeriHome had corrected the address to my correct contact address - so there is no question that they knew what it was.
Upon receiving the letter, I sent an email to AmeriHome on XX/XX/2019, asking them to confirm that I was correct in understanding they had been sending printouts of my personal mortgage statement to someone other than me ( in this case, to my tenant ), and they finally responded on XX/XX/2019 with a non-committal confirmation that their records reflect [ my correct mailing address ].
AmeriHome sent personal mortgage statements to someone who did not have a right to have them for 6+ months due to a " system error '', and then displayed an inability and/or unwillingness to properly respond to a consumer inquiry in a timely or honest manner. I believe that AmeriHome is demonstrating a lack of robust privacy controls and may need to be audited/fined/controlled by a federal agency.
As a side note, which is minor but lends itself to problems with AmeriHome systems - when I first tried to sign up for online access to my account, I appeared to have done so without issue. But I was unable to login, despite repeated attempts at reentering my user name and trying to change my password. I finally called AmeriHome, and learned that the system only allows 15 characters in a user name, so it automatically cut off the last 2 letters WITHOUT informing me. This is another incident pointing to improper systems at AmeriHome mortgage.
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| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Unfortunately I have a Amerihome mortgage loan XXXX.
On XX/XX/XXXX I was granted a home mortgage forbearance under the CARES Act. The initial forbearance was from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX I called to extend the forbearance of my loan which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. That forbearance was scheduled to ended XX/XX/XXXX after 3 months. On XX/XX/XXXX I called to extend the forbearance which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. After speaking with multiple customer service reps they stated that t all the notes were in the request and they are not sure why the system is not picking up on the continuation. I have called the company on numerous occasion spoke with numerous customer service reps who consistently tells me that I am 4 months behind. However they can see the notes what I have requested a forbearance. Anytime I've ask to speak with a supervisor or escalate the situation to resolve I am unable to speak with a supervisor. On XX/XX/XXXX i received a letter and on page two, paragraph 7 the company states " Your loan is currently due for the XX/XX/XXXX installment of {$2000.00}.
In closing as a federal protection bureau I would look into a Amerihome and the mishandling of the customers who should receive protection and not harassment and being reported to the credit bureau while under CARES forbearance. I receive multiple past due notice and XXXX phone call every week about past due amounts.
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| 04/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX sold our mortgage to AmeriHome Mortgage. We have a XXXX mortgage. AmeriHome has our Escrow set for property taxes over XXXX dollars a year. Our actual property taxes are just over XXXX a year. This makes our monthly payment way more than it should be. I wrote a letter to their office with our actual tax amount and ask them to reduce the Escrow amount. This was over two months ago and I've heard nothing. I've called at least six times. Each time I'm assured that the problem has been resolved, and yet my monthly payment remains the same. I called two weeks before our XXXX payment was due and the person on the line said that they were going to get rid of the Escrow altogether, and we could just pay our taxes and insurance on our own. I agreed to that and asked him what our payment would be for XXXX. He said just over XXXX dollars until they could get the Escrow taken off. We sent XXXX to be safe. We just got a letter saying that our payment was XXXX short. In other words, they still have our Escrow at what it has always been. This in spite of the fact that at least four different people have assured me that the problem has been resolved. I am sorry that I haven't kept track of the exact dates of the calls, but Amerihome should have a record of all of this. I'm also somewhat confused about the actual amount I owe because I keep getting different information from each person I talk to. One tells me that the Escrow will be adjusted. The next tells me that it will be taken off altogether. I don't know what to do. I don't want to keep sending them way more money than we owe, but I can't get any help.
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| 11/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I applied for forbearance as a direct effect of covid19 when I lost my job. The process was severely delayed as I was requested to resubmit documents repeatedly. Then the mortgage company changed names, from XXXX to Amerihome, docs expired so the proceed started again. Once finally approved for the modification a letter was sent out stating my payments would now be {$2000.00}!!!!!! vs {$1700.00}. Unable to afford this payment In XX/XX/2021 I applied to refinance with my credit union as they pre approved me for a lower payment. In XXXX the branch manger at my credit union called to inform me they could not do the loan now because Amerihome reported to the credit bureaus that I was behind several months on my mortgage pmts when they should not have. I received a letter from XXXX apologizing and sorry for the inconvenience. I lost the opportunity with my credit union as a result. I contacted a FHA counselor for assistance. She tried several times to explain Im on XXXX now only receiving 60 % pay and requested a reduced payment. The counselor also contacted the attorney representing the mortgage co who also reached out to XXXX to apply my trial payments to reduce to total delinquency below XXXX so I could qualify for XXXX. AH didnt response to any requests. My FHA counselor advised I sign and take this modification knowing I couldnt afford it so the mortgage company wouldnt foreclose. They wouldnt agree to apply money I paid towards the delinquent balance but once they finalized the new loan I have a surplus in my account and the payments are more then what was stated. Current payment is now {$2000.00}.
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| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by Amerihome. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that Amerihome has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, Amerihome ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.
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| 05/18/2022 |
Yes |
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- Trouble during payment process
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Web |
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Due to the pandemic, my hours were cut at work and I learned from my mortgage company that I could forebear my payments and keep my home, so I did. But on XX/XX/2022, I received a letter from my mortgage company indicating that I had a surplus in escrow in the amount of {$1800.00} but that due to the delinquent status of my account, they would be retaining my surplus. I called them to dispute this matter but was never called back. A few months passed by and I was able to start working full time again and informed my mortgage company that I wanted to end the forbearance plan and resume making my mortgage payments and immediately a package arrived for me to sign all the papers needed to push all funds owed under the forbearance to the back of my loan, that was notarized and sent in and around XX/XX/2022, I received email notification that all payments had been made and my loan was caught up to date. So, I then called the mortgage company about my surplus, asking for it to be released to me. The representative said, yes, this would take about 3 business days and I should receive a check in the mail. I never did and when I called back and spoke to a different representative, I was told that an investigation would need to take place and the next letter I received indicated that I owed XXXX or that my new mortgage amount would go up from {$1400.00} to XXXX per month ; this email was sent to me on XX/XX/2022.
I have a serious concern that wrong doings have happened to me and need an external advocate, hence I am writing to you.
Please assist me, for something is wrong within this company. Thanks
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My complaint is against Amerihome Mortgage. I purchased a home last year, within months Amerihome had purchased my mortgage on the secondary market.
Almost immediately Amerihome stated that I had an escrow shortgage, and increased my monthly payment. Very odd since it was a brand new loan. In the explanation from Amerihome I noticed they planned to disburse my property taxes a month early, which was not how the original lender calculated my escrow.
My first call to look into this was nearly 45-minutes, when someone finally answered the person told me that they were severely short staffed, and that they were actually a tech help desk person just helping out for the day. They said they had no idea how to answer my questions and directed me to call back another day.
I called back another day and made it through another 45-minutes of menus and holding, only to have the call dropped by them. I called back, and after maybe 20-minutes got a person. This person told me that the escrow was what it was, and that there was nothing he could do. He could not explain why it changed, even though it was a new loan.
I accepted this, and let it go.
Several months later I take out another loan on a different property. Once again Amerihome purchased the mortgage on the secondary market. And now three months later theyve raised my escrow again!
It seems odd that theyve purchased two of my mortgages within a few months, and raised the escrow amount on both properties.
Are they doing this to other people? It doesnt seem right that they are able to purchase a brand new loan, and then change the terms.
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| 01/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made.
I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due.
In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted.
I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.
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| 03/22/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My mortgage company is Amerihome Mortgage LLC. I was in a forbearance for XX/XX/XXXX to XX/XX/XXXX. I was reported late to the credit bureaus on payment for XXXX and XX/XX/XXXX. I was told to start making payment XXXX XXXX, so I called in and made XXXX payment over the phone for {$4000.00}. In XX/XX/XXXX I was told my payment increased by XXXX for taxes my mortgage company had paid. I am XXXX XXXX XXXX XXXX, so I am exempt for property taxes in TX. For XXXX months I called my mortgage company and informed them that I am tax exempt. I called in XXXX and made another payment and also in XXXX. The mortgage company never applied my payment to my loan. They were in suspense. I was told by the mortgage company that they would put my payments on hold in XXXX in order to investigate the property taxes they said they paid. I was never notified of the outcome of the investigation, but now they are reporting me missing payments XXXX and XXXX days late. I spoke to a rep on XXXX XX/XX/XXXX and she saw wete payments made, but nothing credited. Now I recently sold the home and now I'm trying to obtain and now mortgage and they are seeing that I have late payments for my past mortgage. I kept in communication with the mortgage company, but they failed to keep me informed. They kept calling to tell me my payments were due, after they told me they were investigating the situation, but never called to say it was resolved. I've been living in a XXXX for almost a month waiting to close in a home and now I probably will lose this home because of the information reported by my previous mortgage company.
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| 02/01/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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AmeriHome Mortgage Company NMLS ID : XXXX Mortgage Loan Specialist : XXXX XXXX XXXX ID : XXXX We were approached by our mortgage company, AmeriHome Mortgage, about refinancing our loan to get a lower interest rate and lower payment. We thought it sounded like a good move for us, so we started the process in XXXX of 2020. We provided all the documentation and by the end of XXXX of 2020 we had signed the documents to refinance our home. We were told that we did not need to pay any money down to close the refinance. AmeriHome told us our new mortgage payment would be {$1100.00} and that our first payment would be in XXXX. We paid this amount in XXXX and XXXX. At the end of XXXX we received a letter from the Title company stating that there was not enough money in our escrow account to pay the rest of our property taxes. We had to pay out of pocket the rest of the balance. I called the initial Loan officer, who started the process of refinancing for us. He answered and said he was surprised that our escrow was in the negative and said he would check on it for us. I received and email back from him that basically said a new escrow analysis would need to be done. I tried calling back once or twice, but I did not receive a call back from him. What we discovered is that they did an FHA streamline refinance and used our escrow account to pay for our closing costs ... leaving insufficient money in our escrow account to cover our annual taxes at the end of the year. Now there is a deficiency in our escrow account and they have increased our payment significantly causing financial distress.
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| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Good afternoon. My mother and I refinanced her home with XXXX mortgage in XXXX of XXXX. The purpose of the refinance was to put my name on the loan and take over payments for her so she can free up her income for her retirement, The loan servicer was changed from XXXX to Ameri Home Mortgage in XXXX of XXXX. I received an email from XXXX about this change so on XX/XX/XXXX, I went to the Ameri Home Mortgage website and made XXXX mortgage payment, stored my bank account information, and set up Auto-pay. Under the assumption that XXXX ( second payment ) was on auto draft. I checked my credit on XXXX website a few days ago and there was a late payment notice by Ameri Home Mortgage that dropped my score by XXXX points. XXXX score from XXXX to XXXX!! It was clear that an auto draft was never made for XXXX. I was puzzled that there was no attempt to alert me via phone, email, or paper mail about a late XXXX payment. Immediately, I went online and submitted payments for XXXX, XXXX, and XXXX XXXX payments. I promptly called Ameri home Mortgage and spoke to a mortgage representative who could not help with the audit trail of the Autopay set up I did in XXXX of XXXX, but she did say there is a 90-day grace period when loans change servicers. She transferred me to Customer Service Department who she thought would be better suited to help with my Credit Bureau reporting dispute. I reiterated the entire scenario but was then put on hold and cut off. This credit impact during the transition stages of a new loan and change of mortgage servicing agent can affect my credit lines for my business.
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| 08/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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At the beginning of XXXX we were double charged our mortgage so we called the company ( Amerihome ) early XXXX and asked that the second payment be put back into our account, the Amerihome Mortgage representative stated that it would be in our account in a week, we waited a week in a half and our money was not returned. We called them again, the next representative said that the first one that was filed was incorrectly filed and that the money will be in our account in just a few days. We waited and nothing, so we called again. They said they could just transfer the money over for the next month ( XXXX ) payment, we said that was fine so we wont be charged in XXXX and they said yes and that the auto payment would not come out. On XX/XX/XXXX another mortgage payment came out of our account. I immediately called them and they said it would be a week before they could put the money back in. I said that was unacceptable and it needs to be put back now. They then couldnt get ahold of a supervisor to help with this so I had to wait another 24 hours for a supervisor to call back. We then filed a complaint with the XXXX and we received a call later that day from AmeriHome Office of the President. They said they were escalating it and that it would take a week, again, for the money to be returned. I told them this is unacceptable and they need to put the money back into our account that was unauthorized to be taken out. I spoke to the representative the next day and the entire day they did not have an update. So we are now almost a month in a half without ever receiving our money back.
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| 08/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been attempting to contact Amerihome Mortgage to have the value of my home re-evaluated so that I can have the PMI on my mortgage account removed. The value of my home has risen more than enough to put our account under the 80 % loan to value ration needed to have the PMI removed. I have attempted to follow their instructions twice now. Each time, I am told to write an email and wait 30 days. Two emails, two 30-day cycles, and numerous phone calls has resulted in being told that there is no record of my request and absolutely no one that I can speak to. All that I can do is send another email and wait and additional 30 days. Even though I have received confirmation emails, saying my email has been received, I keep getting told that there is no record of my request and, again, there is nothing that can be done except to submit another email and wait.
I sent my first email to XXXX on XX/XX/2021. I then sent a second on XX/XX/2021. Upon speaking with a representative today, I was told that it did not matter that the 30 days had gone by, from the last email, and that I would have to submit another email and wait again.
I feel like this is a very underhanded and deceptive way to keep a fee on my mortgage that I have every justification to have removed. I am told that I can not arrange to have my home value appraised on my own and that Amerihome must arrange it. Yet, I can not get in touch with anyone.
We are struggling through these times and are making efforts to keep in good standing. We have not missed a single payment nor have we been late on any payments.
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| 04/27/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My sole residential property is in active foreclosure, I have submitted an application for mortgage assistance through The Georgia Homeowners Assistance Fund ( HAF ). This fund is managed through the Georgia Department of Consumer Affairs authorized by the federal Rescue Plan Act. In order to submit my application in full and receive mortgage assistance, this state department is requiring my most current mortgage statement.
I have attempted numerous times to receive a current mortgage statement from the mortgage lender. The mortgage lender has either claimed to have " sent '' my request to a separate department, or have simply refused exclaiming that they will not send me a statement as they are not required to do so during an active foreclosure. Furthermore, the mortgage lender has taken away my online account access claiming that homeowners behind in payments no longer have the right to online access.
In addition, the mortgage lender also claims that due to the property being in active foreclosure, any request for a current mortgage statement would have to be made to the foreclosure attorney/law firm. I have asked the foreclosure attorney/law firm for the most current mortgage statement in which I am told all mortgage statements need to be requested directly from the mortgage lender. -- To be clear, I have already received a reinstatement balance from the attorney. The document I am needing is the most current mortgage statement.
I have the right to a current mortgage statement. It is my belief that Amerihome Mortgage is impeding on my rights as a consumer.
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| 02/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have never received worse customer service from a company than I have received from Amerihome Mortgage Company LLC. Been dealing with an error ( their mistake, they did finally admit that ) in my escrow related to property taxes. The taxes are all paid and the escrow account is back to where it should be, but they have been jerking me around since XX/XX/2018 in regards to fixing my payment. Ive talked to every supervisor in the building it seems but they are the most inept people Ive ever had the displeasure of dealing with. The worst part is I dont have a choice, they bought my loan from the original provider, so Im stuck with them. Just this week they have agreed to accept payment in the amount of the original payment, but then charged me a fee for processing the payment over the phone. They would not provide contact info for a supervisor over the first level and purposely refused to offer me the chance to take a customer service survey at the end of the call ( even though they always asked in the past ). In the beginning I was annoyed but everything was working out exactly like they said it was going to so I wasnt worried, now ... Im just angry. I dont wish any harm on anyone, but I swear I hope their building burns down and the company goes out of business. Useless wastes of oxygen, the lot of them. Still waiting as they say it wont be fixed until XX/XX/XXXX ... .4 months since this started ... through no fault of my own. So if you have a choice, go elsewhere ... if youre like me and dont have a choice ... XXXX for mercy I guess, what else can you do?
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| 02/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time.
I am still being charged late fees.
Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question.
Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response.
I have filed a complaint with XXXX to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started.
The customer service, training of the team, and response time is unacceptable and pathetic.
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| 05/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX - I had inadvertenly paid the county treasurer for my property taxes in the amount of XXXX. Since, I was an new homeowner, I wasn't aware that the escrow account would cover that amount, so an overpayment was made. The county had issued an refund and instead of sending me the money, they sent it to the escrow account and amerihome. I had requested in XX/XX/XXXX that this money be refunded to me, and it has been an nightmare of wrong answers by Amerihome. From XX/XX/XXXX they have consistently kept telling me every 7-10 business days and I would have the refund. Finally at the end of XX/XX/XXXX I started to keep an log of names and dates. On XX/XX/XXXX, I was told by an representative at Amerihome that it would be 7-10 days. On XX/XX/XXXX, I spoke with an XXXX, who informed me that the check would be delivered by XX/XX/XXXX via XXXX. On XX/XX/XXXX, there was no XXXX package, so I called and spoke with XXXX. She told me that the check wasn't issued and it would be XX/XX/XXXX. I also spoke with an XXXX ( supervisor - emp # XXXX ), and he confirmed that the check would be mailed out and to me within 7-10 days. I called on XX/XX/XXXX, spoke with an supervisor named XXXX ( supervisor - emp # XXXX ), and he said the check was held up and released on XX/XX/XXXX, do to an internal audit. He had told me this would now be 7-10 days from the XX/XX/XXXX date. I am getting some serious misinformation and would really like an investigator to loge an inquiry of the call logs for this request. Please help, I seem to be getting no where with Amerihome.
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| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced our home, and the first mortgage payment was due on XX/XX/XXXX. Our escrow documents and loan officer gave us the company to which the payment was to be made : XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX transferred the servicing to a new company : Amerihome Mortgage ( Amerihome ).
The loan balance at the time of the refinance was {$690000.00}. After the first payment, the principal balance decreased to {$680000.00}. Amerihome showed no evidence of the first payment made on XX/XX/XXXX to XXXX, so I made an additional payment on XX/XX/XXXX so that our mortgage wouldn't appear to be late. Each month since then, I have continued to make our mortgage payment because Amerihome has not yet reflected the original payment.
I have contacted both companies, and XXXX provided an accounting showing that the balance that was transferred to Amerihome reflects the original payment. Despite multiple calls, faxes, and letters to Amerihome, there has been no credit to our account for the original payment made on XX/XX/XXXX.
I sent a fax to Amerihome 's research department but I do not know the date of this fax. I sent a letter on XX/XX/XXXX, to both Amerihome and XXXX. XXXX followed up with a letter explaining the accounting and sent me the documents via email. I sent a follow up letter to Amerihome on XX/XX/XXXX, with all of the documentation from XXXX as well. I have not received any written responses from Amerihome for my inquiries. When I call Amerihome, they assure me that the matter will be resolved, and it never has been resolved.
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| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We received a forbearance on our mortgage starting in XXXX XXXX due to Covid. Near the end of the forbearance period, we requested a deferral of our forbearance amounts. We received a letter ( dated XX/XX/XXXX ) detailing our Payment Deferral Agreement - that our deferral was approved and that all of the forbearance payments and escrow were being added to the end of our loan. We made the next payment for XX/XX/XXXX over the phone and received a confirmation number. We had called them because we received a letter dated XX/XX/XXXX that stated that we were past due and that our mortgage could be sent to foreclosure. The representative told us to ignore the letter and she assured us that the deferral agreement was in effect and we could pay our regular mortgage payments going forward ( that's when we paid the XXXX payment ). Then we received a statement dated XX/XX/XXXX that said we were past due on all the forbearance payments and that they reversed our XXXX payment, and that our mortgage could soon go into foreclosure! We called and tried to get this corrected, but they weren't able to resolve it on the phone and still have not resolved it, to our knowledge. I emailed them with all of the information ( including a copy of the Payment Deferral Agreement ). This is a longstanding issue with AmeriHome. We have had to call them MANY times during this process and have been told one thing on the phone, and then received correspondence to the contrary. This has taken up lots of our time and caused us much aggravation. I consider it harassment, at this point!
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| 04/04/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative.
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name.
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.
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| 05/22/2018 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, my insurance agent sent the invoice for my homeowner 's to my mortgage servicer, AmeriHome. The email was verified with a customer service representative that I called on XX/XX/XXXX. Her name was XXXX. It was not a great call. Due to the non-payment from AmeriHome, I had to start a new application and the premium went up. She stated that AmeriHome would not be paying the difference if it increased. It did increase from {$910.00} to {$950.00} annually. After she refused to escalate to a supervisor twice, she transferred me to the insurance department and provided the number for them. I was only hold for about an hour and suddenly there was a busy tone. I called the number XXXX provided and a recording stated that they were now closed ... Since my home was not insured for this time I felt the urgency to get a hold of someone immediately. I emailed a complaints or compliments email that I found online and made them aware of the situation. I received a response, that they would overnight my payment to the insurance company and that I should be credited. I have yet to see the result of that. It is very concerning as a first time homebuyer that my taxes and insurance be paid on time especially since I am making my mortgage payments on time and even early. This is our first month dealing with them and our first payment was due XX/XX/XXXX and not a very positive way to start a 30 year relationship. I am disappointed non the least and nervous that going forward I will have to constantly check to ensure that my insurance and taxes are paid.
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| 10/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX.
I am a XXXX % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account.
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost.
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX ( RET. )
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| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I obtained a mortgage loan in XX/XX/2021 for the purchase of a residential condominium unit. The loan was soon sold to Amerihome Mortgage Corporation. In XX/XX/2021 I received a letter from Amerihome that I did not have a flood policy and that I had to obtain one or they would force place a policy. The property is in a flood zone. However, the property is a condominium and there is a NFIP master flood policy in place which meets FNMA guidelines according to my original lender. I called Amerihome and they advised me to forward the policy which I did.They promised to have it resolved in a few days.Weeks went by with no response. I received another letter stating the same issue. I called and was again advised to send a copy of the policy and they would call back in few days. I did not get a response from Amerihome until I received an escrow analysis with a {$910.00} flood policy premium added for a forced placed policy resulting in an increased monthly payment. I have called numerous times, provided the information and received promises that they will resolve it and call back in a few days. They have not once followed up and communicated back to me in writing or by phone. I called again XX/XX/XXXX. At this time they said that the NFIP master policy that was in place did not cover business interruption so it wasn't valid. This claim makes no sense because NFIP flood policies do not cover business losses FNMA and FHLMC do not require flood policies to provide business loss coverage, and the condo is a residential property, not a business.
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| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I made a mortgage payment through XXXX XXXX for my XXXX mortgage payment. I received a call on XX/XX/XXXX that the payment was late and needed to pay that day in order not to be reported to a credit agency. I made a payment over the phone and that payment posted to my account to prevent being reported as deliquent.
I then contacted XXXX to get a cancelled check for the XXXX payment and that reflects Ameri Home cashing the check on XXXX. That payment proof was faxed to Ameri Home on XX/XX/XXXX as proof of payment.
I asked them to apply the cancelled check as my XXXX mortgage payment, and it still not resolved. I have contacted them several times each week since that period to check on the resolution. I have spoken to countless customer service reps and managers, I have emailed my bank statement and proof of payment to mangers directly, I have faxed the documents and I have sent the documents to the payment processing department to create incident numbers. Not one person has been able to help me, I keep getting pushed off to give them another week. It is now XX/XX/XXXX and my mortgage payment still shows due XXXX because the payment is not yet applied. I spoke with them again today and they informed me if I paid my XXXX payment, it would be applied to XXXX and I would still reflect as late.
The amount of time this has taken me to try and resolve is not acceptable, the customer service I have received is poor to say the least. I have done my work to get this corrected and I am still the one who they say the burden of proof is on.
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| 04/28/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I sent in paperwork on XX/XX/XXXX to ask for a partial claim and then a beginning of my payments on XX/XX/XXXX. I understand I keep getting collection calls. For being past due. But the same mortgage company, American Home Mortgage Company. Has told me that I have to have my deck repaired and complete. And their insurance was only {$3500.00}. That covered a {$7600.00}. Repairing my deck because of a tree that. Fell on it XX/XX/XXXX. That difference of {$4100.00}. I, of course, used to repair the deck. I can resume my mortgage payments, of course, if they're a little bit more affordable. Currently, they're 1688 dollars a month I applied for a loan modification. For a 40 year term. And I guess that's the best I'm gon na get with that, and then a partial claim of the balance of that I'm caught up to date. I have not heard from the mortgage company in reference to this. They've called me four times in the last 10 days when I go to answer the phone. They hang up immediately. When I call back, they say there's no paperwork needed whatsoever. I ask, why are they calling then? They don't have an answer. They said, everything 's fine? So I called back again this evening and spoke with the very rude individual about. Lock and he told me that they were needing information from me and that it was a credit report from. 7th, that they couldn't get pulled because I had put a freeze on my account. I've done nothing of the sort. I think they're just stalling out so they don't have to do a partial claim and a loan modification. This is an FHA loan.
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| 08/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage loan was transferred to Amerihome Mortgage LLC ( loan servicer ) immediately after closing with XXXX XXXX in XX/XX/2018. The first payment check for {$2600.00} dated XX/XX/XXXX18 was mailed to the above servicing company on XX/XX/XXXX18. The check was debited in my checking accounting with XXXX Bank on XX/XX/XXXX.18. On XX/XX/XXXX18, I viewed my mortgage account with Amerihome online and found that no payment had been credited to my loan account. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer on XX/XX/XXXX18 and provided the copy of paid check ( see attached file " cashed check '' ). I was told that my complaint has been sent to Cash Dept. for research and I will be informed within 3 business days. However, I did not get any response. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer once again on XXXX18 and was again informed that they have not heard from Research Dept. and will inform me once they get the information. No information was received and I contacted the loan servicer again on XX/XX/XXXX18 ( attached " communication XX/XX/XXXX ' ) but no results of research were available. I requested for signing of affidavit for non-receipt of cashed check required by my Bank to claim the payment from paying Bank and sent the affidavit for signature on XX/XX/XXXX ( attached " Affidavit XX/XX/XXXX '' ).
Till date I have not heard anything from the loan servicer. The signed affidavit is need by my Bank immediately to claim the payment from the paying bank.
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| 02/13/2021 |
Yes |
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- Trouble during payment process
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Web |
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I received a bill from Amerihome mortgage company for about XXXX more than my mortgage payment normally is. I have attempted to call Amerihome and can never get through do to Covid they claim and wait times are outrageous. So I called XXXX the XXXX th of febuary at XXXX XXXX and spoke with a XXXX she stated that my insurance had gone up and that was the reason for the increase. My wife had contacted our home insurance provider XXXX to question the validity of this claim prior to my phone call because Amerihome charged us more money last year claiming the same reason. XXXX at XXXX explained that our policy is up to date and there are no issues.She also stated that our premium had gone up XXXX dollars for last year and that they did not have a quote for this up coming year.I attempted to make my XXXX mortgage payment with XXXX and a XXXX a escalation manager and was told I had to pay the extra XXXX dollars.I explained to XXXX that I was struggling to make the regular payment and reminded her the we are in a pandemic as Amerihome conveniently uses to excuse the long hold times while waiting to speak to someone.XXXX stated that I had to pay the XXXX or I could not make a payment at all.I told her that I could not afford that at this time and explain that I was not even notified about the increase and that we are all in a pandemic. She would not allow me to pay what I had, Amerihome is forcing me to be late on my mortgage payment .I quess this pandemic reality only can work for Amerihome and not the general public. Loan number XXXX
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| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX of this year, I closed on a mortgage for my home in Arkansas with XXXX XXXX XXXX. Shortly after the closing the mortgage was sold to AmeriHome Mortgage. I wanted to set the payment up via ACH in XXXX and was directed to their website. I completed the ACH forms and was led to believe that everything was in good order. In XXXX, I received a letter from AmeriHome that the ACH was not processed. I immediately sent in a payment via check for two months. Next, I called in immediately to get the ACH activated. I was not told why the initial ACH did not get processed and they directed me to the website again. Again, the ACH was not processed and I had to send in a check for a two month payment. During this time, AmeriHome reported to the credit bureau 's that I was late on two payments. I called in again to AmeriHome to get some answers and was told that they would submit a request to review my account. Finally, AmeriHome processed the first ACH on XX/XX/2019. I did not receive any explanation of why the ACH was not processed initially. Consequently, I have been charged with numerous late fees and my credit rating has been negatively impacted. I wrote two letters to AmeriHome in XXXX and XXXX to review my account and report to the credit bureau 's that this was their processing error. Both times, I received a form letter stating that they " determined the information reported was accurate. '' I believe that AmeriHome is not taking responsibility for their processing error and this has negatively impacted my life. Please help.
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| 11/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I purchased my newly built townhome in XXXX. This XX/XX/XXXX, my mortgage company Amerihome Mortgage increased my monthly bill by {$1300.00}, claiming my tax property increased. This does not make sense and after some researching, I've found out that the tax was for the whole building and not for my one unit out of the four. Basically they are saying that I have to pay a XXXX sq feet townhome unit a tax of {$16000.00} for year XXXX when it was supposed to be a quarter of that. They made me called my county and I did and the county provided me with a new parcel id in pdf form and corrected my tax assessment. However, my mortgage company until now is saying that they've already paid about {$8000.00} in tax ( semi annual ) and that they have called the county who can not provide the correct tax amount and that they needed proof ( which I already provided with the pdf that the county sent me ). I did not pay my XXXX bill because they are supposed to be investigating and it is in the late payment status which I fear will affect my credit. They are not giving me a time that it will be resolved and that it has been causing me a lot of stress and XXXX. When I asked them why did they just pay my tax without thinking how insane the amount is, they said it is required by law of what was bill to them. I don't understand why they would pay on my behalf if my finance is not in their best interests and that they do not do any due diligent to before paying my property tax and now forcing me to pay the amount that they've made a mistake on.
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| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We started with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was via check that never made it. So we submitted payment over phone to our mortgage company XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds have not come back to our account. We had to submit another ACH for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome stated they required to send the payment back on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term.
Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage is now being transferred as of XX/XX/XXXX, less than a year of being with AmeriHome. If our mortgage is transferred without getting this payment refunded we fear we will never get this money back. The mortgage company is being extremely uncooperative and we need help.
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| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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This issue is with AmeriHome and a forced gap-insurance policy that was created, but later found out to be a mistake by them.
In the Summer-Fall of XXXX AmeriHome became the new service provider to my mortgage, including paying my homeowners insurance. In approximately XXXX of XXXX, I was informed by them that my mortgage did not have insurance coverage, and I would need to create a new policy, which I did. Then I discovered that they had created a gap-insurance policy ( through a partner company ) for the missing coverage. It was then after many phone calls that I discovered they had been notified many times by the previous insurers that a request for payment had been made but AmeriHome did not pay the due money from the escrow account. I have documents showing they did not pay these requests ( from the previous insurer ). I have been in constant communication with them to discover when a refund for the amount would be received. They then transferred my mortgage to a new servicer.
On XX/XX/XXXX I again called them only to find out they did not have any further knowledge about the refund and it would likely be added to escrow and that I should call my new servicer to get additional information. On the same day I called the new servicer and they informed me that AmeriHome did not provide any refund amounts to escrow. And I would need to continue this with AmeriHome.
This process has been painful, unending and highly unethical at best. Any additional information you can offer would be appreciated Thanks XXXX XXXX
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| 03/13/2019 |
Yes |
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- Trouble during payment process
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Web |
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I bought my house in XXXX.
Amerihome, in XXXX, failed to pay my insurance premium ( which is escrowed into my mortgage payment ).
Amerihome did not notice for an ENTIRE year. My coverage lapsed in XXXX of XXXX, and they did not realize it or notify my of the issue until XX/XX/XXXX.
I am required to have insurance in place, and insurance companies won't just backdate a policy. Therefore, I have to get lender placed insurance for the entire span of time in which they a : failed to make my contractual payments, and b : didn't notice that they didnt make my payments. This insurance is VERY expensive, and my payment has skyrocketed to backpay it.
In addition, my escrow ( without having this years insurance premium paid yet ... because I don't have a policy ), is down by {$1000.00}. No one can tell me why. Many reps and managers have tried to look into the escrow deficiency. No one can tell me the cause. They suggest that my taxes went up - my total taxes are {$1000.00}, so my taxes would have had to double for me to be this deficient. It has not calculated the lender placed insurance yet, so I will likely be many thousands of dollars more deficient once that hits me.
I have spoken to Amerihome about both of these issues extensively. Amerihome has admitted that they " dropped the ball '' on making my contractual payment. I have yet to receive a reason why they did not make the payment. The managers I have spoken to have admitted that a payment should have been made, and that it was their responsibility to do so.
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| 05/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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This pertains to loan number XXXX that we have with AmeriHome. We are guessing this issue is related to our attempt to recast the loan after they received {$100000.00} to reduce the loan principal on XX/XX/XXXX, but they could not process it and returned the money on XX/XX/XXXX, along with the {$250.00} administration fee. That was 2.5 months of holding our money!
Currently, we are trying to pay our loan on-line ; via direct payment and ACH. We have also tried to repay this loan via telephone. In all cases, the account remains blocked by the modifications department. This was the group that was supposed to recast the loan, but worked so unethically and immorally that they had to return it per a previous response to my complaint.
Note that people managing the messages area keep on line are saying that that loan is unblocked, and/or that we should remove all cookies. IN ALL CASES THE ACCOUNT REMAINS BLOCKED.
To make matters worse and when we call in, the voice prompt says that we need to be aware that they are trying to collect a debt. We all know that AmeriHome is morally and ethically bankrupt and/or completely incompetent, but this is a new low. How can they say they are trying to collect a debt, when they are preventing us from paying the current loan payment.
My guess is that AmeriHome is trying to punish us for cancelling the loan recast by preventing payment ; putting our credit scores in jeopardy and leading to delinquency.
This situation has been going on for at least 2 weeks if not a month.
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| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Since XX/XX/2023, I have been trying to get my mortgage loan recast. Every time I follow instructions and submit the request, it is not responded to in the timeframe provided by XXXX. I follow-up with customer service and am given various reasons why my loan can't be recast ( e.g., it must be a certain number of days after loan settlement -- though that number changes with each request ). I then resubmit using the timeframe provided, my request is ignored, and I start the process over again. My latest recast request was emailed, following AmerHome instructions, on XX/XX/2023. I was told AmeriHome would respond in 7 - 10 days. They did not, so I followed up with a message via the AmeriHome portal on XX/XX/XXXX. That message was not responded to. On XX/XX/XXXX, I messaged using their online chat but was told I could only ask my question to the loan modification department since that's the department that handles recast requests. The problem is that consumers are not permitted to speak to this department -- I've already tried this on numerous occasions. AmeriHome will set up an appointment with someone from that department ( they say someone will call you within a 3-hour window ) but they don't. So AmeriHome has created a fake system. Yes, you can submit a recast request. But your request will be ignored and then when you follow-up, you're told to resubmit, and then that request will be ignored, and then you're told the only way to resolve your situation is to contact the department that's doing the ignoring.
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| 03/09/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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The county I live in sent a tax bill for XX/XX/2016 that was about {$1600.00} more than what I actually owed. I contacted them asking why my payment had gone up {$300.00} a month and literally had to spend hours asking them to explain why before I came to the conclusion that my taxes must have been messed up. I contacted the tax assessor office the same day and they contacted me shortly after saying they sent a refund back. I emailed Amerihome telling them they were sent a refund and it has taken them a month to process that. I STILL do n't have an updated statement ans was told they would send one shortly, but then was also told in that email that my payment still is going up by {$100.00} a month. I have had to email AGAIN to try to find out why my payments are still being increased even though I straightened out the tax issue and I am waiting on a response. I have never had to spend such a ridiculous amount of time trying to do what essentially should be their job. I do n't understand why my mortgage is being increased after resolving the original reason for the increase, I ca n't get any reasonable answers when I call them - the people I 've talked to when I call give the impression that they have no knowledge of the mortgage process and i am beyond frustrated. I need an answer that makes sense and I need my mortgage put back to the amount I should owe with no increase! I just received another statement in the mail today that shows I still owe way more than I actually do from the incorrect tax amount.
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| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I closed and satisfied my mortgage with AmeriHome on XX/XX/XXXX in which the total for taxes and homeowners insurance was paid for up front by the new mortgage company, XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$4200.00}.
Since the new mortgage company ( XXXX XXXX ) paid for this balance in full, the original mortgage company ( AmeriHome ) owes me this money which they managed through the escrow account. According to their customer service department - a check was " supposedly '' cut and mailed via the US Post Office on XX/XX/XXXX.
It is now XX/XX/XXXX - and I still have not received this, " supposed '' check. I have called AmeriHome numerous times, and each time I get a different answer, where someone either says, " Oh no, they just cut the check now. '' or " Yes, the check was sent in XXXX and we can't track it because it was sent through the US Post Office. '' When I ask to speak with a manager or supervisor who can resolve this issue, they say that they have to put in a request ticket and someone will reach back out. I have done this several times last month, and no one has called me back. I don't understand what is going on with AmeriHome, but this institution owe me my money and I want for this matter to be resolved asap and that I receive the check for monies that are owed back to me right away and with a tracking attached to it. This is professional negligence on behalf of AmeriHome. Their lack of transparency is a major issue and I demand for someone to address this issue right away.
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| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : Currently Amerihome is reporting a XXXX day late in XX/XX/XXXX to my credit history. This late marking is a byproduct of my XX/XX/XXXX payment posting late.
Please note XXXX payment was not late due to negligence or lack of funds. The late occurred because I contracted XXXX in late XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for all of XX/XX/XXXX and was unable to pay all my bills. Once I returned home in XXXX of XXXX, I immediately paid all my bills and alerted them regarding my inconvenience.
Amerihome Mortgage is the only creditor that is choosing not to acknowledge my hardship during this time and remove the negative reporting to my credit profile.
I am forwarding the statements from my hospital visit that I sent to Amerihome to prove that I was incapacitated an unable to pay my bill. Amerihome has failed to acknowledge these documents in the 3 attempts I have shared them and because of that has failed to consider removing the XXXX day late from my credit profile, even though I have given them everything they needed to be in line with XXXX federally mandated " Cares Act! '' What good is the cares act if nobody cares?
Please help me to get back to my life as I am desperate to have my credit restored and return to my business endeavors in the way I am accustomed. Thank you in advance for taking the time to review my letter and I look forward to hearing from you. Please let me know when my request has been met. I can be reached at XXXX.
Sincerely, XXXX XXXX XXXX.
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| 03/15/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Amerihome Mortgage Company has lost three of my payments on dates XX/XX/18, XX/XX/18 and XX/XX/18.
They told me I haven't paid since XXXX, but what actually happened was they changed my account number without notifying me. They said they were forwarding payments previously to the correct account, but starting in XXXX they no longer did that. I was never notified until I received certified mail saying I was in the process of foreclosure on XX/XX/XXXX.
I sent them proof of payments well before this on XX/XX/18 from XXXXXXXX XXXX and all of my checks have cleared. I have received no refunds or help from the company. They have all been completely rude and uninformed. I was transferred a dozen times every time I have called. No one shares any notes that I was told to submit, however one customer service rep said she received it..then I got another foreclosure notice. This has been embarrassing and caused much anxiety for my family. Amerihome has made no effort to find the money they took from me or fix the problem. If they wish to foreclose, I have all of my records and have sought legal advice. I can't afford to make additional payments since they've lost mine already and will likely apply my next payment to erroneous late fees and other charges they created even after taking my money. attached are some documents from bank. They have repeatedly hung up on me and made no effort to return calls or emails. Admittedly, by the 15th attempt I was rude. They also dropped my credit score from XXXX to XXXX.
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| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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PLEASE HELP!
I mailed AmeriHome a letter on XX/XX/2022 requesting debt validation. As of today I have yet to receive any type of correspondence from AmeriHome. This account is showing closed on my consumer credit report and reporting negatively. AmerHome first failed to respond in the required time allowance. AmeriHome has also failed to abide by the law in regards to debt validation. 15 USC 1692g. Due to the fact that AmeriHome has failed to validate that this account that is reporting negatively on my consumer credit report I demand that this closed account be remove from my consumer credit report.. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. I feel like AmeriHome is bullying me! I never authorize nor gave permission for AmeriHome to report anything on my consumer credit report. AmeriHome needs to respect the laws of a Consumer. As a consumer I have rights and AmeriHome is in violations of my rights. AmeriHome closed the account and continues to report it to the credit reporting agencies and a negative remarks. I don't understand how these companies can continue to report items. This account is causing me an inconvenience and so much stress because or the negative remark. I am trying to purchase a home. Due to the fact that its invalid and against the law if I am not able to get them to remove this closed account, I will be force to file a litigation. AmeriHome has failed me as a consumer 15USC 1692e, 15USC 1681b
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| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a condo in XXXX XXXX, Florida for approximately $ XXXX and closed on the sale on XX/XX/XXXX. Once XXXX XXXX XXXX ( my original lender ) sold the loan to Amerihome Mortgage, I almost immediate had repeated problems with Amerihome Mortgage ( listed XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ). Amerihome held this mortgage from XX/XX/XXXX until pay off on XX/XX/XXXX.
Amerihome insisted on purchasing additional flood insurance on my behalf, despite having a HOA flood policy in excess of {$1.00} Million and a personal flood policy I purchased separately. I provided documentation of both these policies to Amerihome on several occasions, and despite repeated requests to speak to someone in their insurance department, they insisted that my flood insurance coverage was insufficient. In XX/XX/XXXX, they purchased additional flood insurance " on my behalf '' for an annual premium amount of approximately {$550.00}. They rolled that cost into the loan payoff amount and are now refusing to refund any of that annual premium amount, despite my having owned the condo for barely 4 months ( from XX/XX/XXXX through XX/XX/XXXX ).
Please help me obtain the refund I am due. In my opinion, Amerihome 's practices are deceptive. They repeatedly refused to connect me with anyone in their insurance department who could give me the reasoning why a {$1.00} million dollar flood policy was insufficient and what the justification was for buying flood coverage in excess of that and the personal flood policy I carried.
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| 01/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Around XX/XX/XXXX I received a letter in the mail from my Mortgage company stating my XXXX payment was short some {$300.00}. I promptly called them to ask why my fixed mortgage payment was suddenly short and the response was they felt my escrow account would be short and it needed to be adjusted. I asked for an accounting of how they got to the numbers they were quoting since no tax assessment had been made since I moved in to my property in only XX/XX/2020. I also indicated that I paid my own home owners insurance and it should not be factored into their escrow accounting. After spending about 45 minutes on hold, I was told to prepare an e-mail on their web portal and provide documentation of the home owners insurance payment. I did this and received no notification or follow up to how or what the new escrow amount would be. I continued to make my XXXX and XXXX mortgage payments without issue until this morning when I was notified by my bank that my XXXX payment would be returned from my mortgage company. I am currently back on the phone with them asking why I can not be notified of the current escrow account balance and what the new balance should be. I also want to know why they are returning my XXXX mortgage payment without notice.
Since AmeriHome Mortgage has taken over my account, they have been unhelpful, uncommunicative and most importantly dangerous to my credit and good name. If this results in a negative report on my credit I hope there is something you can do to put them on notice.
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| 10/14/2018 |
Yes |
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- Trouble during payment process
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Web |
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Hello, I am reaching out because I need assistance in resolving this issue. I tried logging into my account after I got off work on Friday XX/XX/28. Upon logging into the account, I was unable to make a payment. The system required me to make two payments. I then tried to call the payment center to make a payment by phone. Because I have a loan modification application, the system directs you to speak to a representative. Because it was after hours I could not make the payment. I am now required to make 2 payments in order to bring my account current.
I am being punished for having a loan modification on file. It seems as Amerihome is purposefully keeping me from making a payment on my account. I was told in order to make a payment I could pay a fee or mail the payment in. I made the payment. Now, I have to suffer with a late payment on my credit report which is unfair.
I have also reached out for assistance with my mortgage loan to get a reduction in my mortgage payment which includes prinicipal. I am dealing with a property underwater, sewage system failing and I am still fighting desperately to keep my home after being diagnosed with XXXX. And having 5 XXXX. Durning this process, I submitted a signed letter from the doctor which showed the time I was required to have off work. amrihome then required me to give the reason for the diagnosis. I had to disclose the XXXX, which I feel is a invasion of privacy. If I have a signed document from a doctor that should have been suffice.
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| 09/20/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay.
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly.
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted.
I started the paperwork for a loan modification as the agents advised me they would be willing to help me.
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months.
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}???
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.
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| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AmeriHome Mortgage NMLS ID XXXX We applied for the Care Act to Covid19 work loss. We were approved, yet the company is sending threatening mail and calls about foreclosure and hurting our credit. Also, charging $ XXXX month late fees. We have talked to many people on the phone. I have been told that someone in the company named Mr. XXXX has not done his job by putting the correct information in their " system ''. Every costumer service person sees the notes for action to be taken, but it has not been done.
XX/XX/XXXX Ms. XXXX employee number XXXX or XXXX said we were good until XXXX for the care act.
XXXX? Ms XXXX XXXX extended our care act 2 more months XX/XX/XXXX Ms. XXXX sent an email to supervisor to review XX/XX/XXXX employee XXXX sent Mr. XXXX an email whom I was told was the person in charge of care act.
XX/XX/XXXX employee XXXX gentleman said no action has been done on their part to properly help be secured by The Care Act We are only two months past due XX/XX/XXXX and XX/XX/XXXX payments. AmeriHome Mortgage is applying late fees and harassing us for our payments. We were approved online for the Care Act on the company website. This is very stressful during this time when we have experienced job loss, pay cuts, and deaths in the family during the pandemic.
Also the company would call if your payment was late by 2 days before the pandemic.
I would never recommend this company to anyone. I will gladly provide phone logs of all times they call, sometimes late at night.
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| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2020, I closed the mortgage with AmeriHome. XXXX XXXX company disbursed the outstanding loan amount to AmeriHome as documented on XX/XX/2020 in two transfers as the total amount is more than {$200000.00}. AmeriHome received {$200000.00} as per their online statement. 2nd transfer of XXXX was not credited to the my mortgage account at the same date for some unknown reason. On XX/XX/XXXX, my bank account is debited for the monthly mortgage amount of {$3300.00}. I had opted for automated payment with AmeriHome. Since the mortgage was closed, i was not expecting a automated withdrawal from my bank. I contacted AmeriHome and they did not know about the closing. I contacted XXXX and the new Mortgage Company to rectify the issue. They contacted AmeriHome. Later XXXX company informed me that AmeriHome made a mistake and it is rectified and escrow and remaining amount will be credited or sent to me within 7 days. This all occurred on XX/XX/2020. Today is XX/XX/2020 and I did not receive any check from AmeriHome as of today. Checked with them and they are saying that it would take 30 days even though their website/automated phone says within 20 days, escrow will be disbursed. For me it is 41 days as of today since mortgage is closed. Even with the mistake they made, they don't show any urgency to disburse the amount due to me, which is around $ XXXX. I'm not sure whether they charged any interest for the mortgage from XX/XX/XXXX to XX/XX/XXXX, which I'd like to get refunded.
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| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I closed on a home in FL in XX/XX/2019. That mortgage company sold my mortgage to AmeriHome ( account # XXXX ). I was notified after the fact. AmeriHome is refusing to discuss any aspect of my loan with me unless I verify six points of contact information that they already have on record, every time I call. Per a mandatory disclosure recording playing on the hold line, they want to update this information so they can collect a debts should a customer default sometime in the future. I am not late on any payment, nor have I ever been late on any payment. Both agents I reached by phone the week of XXXX XX/XX/2019 refused to discuss my loan with me despite having sufficient identifying information ( name, loan number, social security number ) unless I provided their debt collection information. They refused to transfer me to a supervisor. They refused to provide any identifying information that could be used to report them. Both agents lied to me on the phone, claiming they needed the Debt Collection Act information " for my safety, to verify my identity. '' This should be illegal. There are hundreds of complaints against this company. I don't understand why they are allowed to continue to operate in this manner. Meanwhile, the homeowners insurance company has sent a second notice that AmeriHome has not paid the additional fee for including the previously excluded roof under my homeowners policy. I wrote to AmeriHome on XXXX XX/XX/2019 about this issue and received no response.
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on this home on XX/XX/2019. The mortgage originator was XXXX. I had agreed and they had agreed that I would be sending weekly payments. Shortly after and just before my first payment was due they sold the loan to a company named Amerihome. Amira home claims that they either gave them the wrong address to send paperwork to or they sent it to one of my old addresses they are not telling me which one but they dont except weekly payments several weeks ago by before I found this out because they sent a document to yet another address I had but not the one that they had the mortgage loan because theyre plain XXXX of course and it has been a freaking nightmare getting all of this sorted out ever cents and it is still not sorted out. I was told the only way to get away from them is to refinance if I do that I am going to be filing a lawsuit against the company and theyre going to be paying way more than the closing costs are even offered for them to buy this whole place out for what I have in it and they can sell it to whoever before they get their XXXX sued I dont wish to harm attorney but if I have to I will this is the worst treatment of the mortgage that Ive ever seen in my entire life I was ahead of the game and they were sending me checks back in different forms one through my bank and one paper check theyre not even consistent with that and then when you call on the phone you cant get any answers. Im done trying to get it sorted, I need some sort of intervention.
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| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am being charged two taxes on my escrow account for my home mortgage. Only one of the Tax accounts belongs to me, the other should be removed.
I began calling about this issue in XX/XX/2021 and was told the issue would be taken care of by the tax department, I called back on XX/XX/2021 was told the issue was resolved and should appear corrected in my next statement. Called back in XX/XX/2021 and was told it was being escalated to call back on another date to confirm it was removed. Called again on XX/XX/XXXX extremely upset because it has still not been removed, was put on hold and the call was disconnected after 20 minutes! called back again was transferred to a young woman who seemed to understand the issue and told me she would personally follow up and make sure the issue was finally correct and she took down my information so she could call me back once the problem was resolved. Today on XXXX XXXX I have called again was on the line with a representative when he told me he would place me on a brief hold to discuss with another representative, again after 25 minutes the call was dropped again and I never received a callback. I called back an hour later and spoke to XXXX who again told me he would be opening up a ticket with the tax department because they are the only ones who can correct this issue and he would be contacting me once correct.
I have been given the run around for over 5 months and it seems like AmeriHome can careless about correcting these issues.
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| 02/09/2021 |
Yes |
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- Trouble during payment process
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Web |
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During a fha refinance, the loan officer asked us to remove auto pay and not pay mortgage, due to his certainty that payoff would be in XXXX. XX/XX/XXXX the loan officer said to pay XXXX. Payment was made from alternative checking account XX/XX/XXXX. Money was in savings, though. The payment was returned for non sufficient funds.
XX/XX/XXXX an email was received from amerihome stating payment received. Later that day an email was received saying payment applied. I understood as cleared. XX/XX/XXXX and XX/XX/XXXX calls were made to amerihome asking why we were on a covid forebearance that we did not ask for. At no time did I receive any info about XXXXunds from amerihome. XX/XX/XXXX late night, I noticed money was still in acct. I called amerihome XXXX XX/XX/XXXX to ask what was going on, They said I was on a forebearance again. I immediately paid again and followed up later. I said that the covid forebearance they inappropriately put me on has made the process too confusing and that I asked it not be reported as a 30 day late. They refused. I tried again, they refused. XX/XX/XXXX I recieved an email saying again I was in covid forebearance and that payments would be stopped. I called and asked again what was happening. This was a good time to inform me of the XXXX and explain what was happening. Their miscommunication and automatic covid forebearance enrollment when you call them is the cause of the 30day late payment. I believe this was unfair and unreasonable.
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We obtained a mortgage to purchase a new home from XXXX XXXX XXXX ( a mortgage broker ), XXXX XXXX XXXX XXXX , XXXX , PA XXXX to purchase our home at XXXX XXXX XXXX XXXX , XXXX , PA XXXX . The mortgage was sold to Amerihome Mortgage XXXX XXXX , XXXX , NJ XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from XXXX for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On XX/XX/XXXX , I paid the XXXX XXXX XXXX XX/XX/XXXX R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the XXXX XXXX XXXX for the overpayment so we did not have an escrow shortfall. On XX/XX/XXXX , a supervisor at Ame rihome names XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is XXXX . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in XX/XX/XXXX by {$370000.00} as the proceeds from my prior home 's sale.
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| 07/27/2017 |
Yes |
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Web |
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We had multiple problems with AmeriHome. 1. The first issue we had was some unpaid property taxes in XXXX XXXX that resulted in {$450.00} in fees. After speaking with the mortgage company on multiple occasions and them ensuring us it was taken care of, we found out at closing that it was not and had to pay out of our money to cover the costs. 2. We recently received a letter from the company stating we were to receive a check in the amount of {$3800.00} that had been paid to the mortgage company from our tax office. With the letter was a check for {$170.00} for " Miscellaneous expenses '' with a different check number. When I reached out to AmeriHome to clarify what had happened, I was informed that the check had been processed but had not been mailed and that we should receive it within the next 30 days, if not sooner. After waiting for the check to arrive and it not showing up, I got back in contact with AmeriHome. There was no longer a record of that check. I spoke with 2 different employees that worked for XXXX, the mortgage company 's third party processing company who gave me two different answers on what was happening. I asked for them to contact me with an update from their tax department and received nothing. I finally called the corporate office and spoke to an employee there who informed me that there had been an error and we were not supposed to get that check. I do not trust that this is true as I was clearly lied to throughout the entire process.
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| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced and paid off my Amerihome mortgage Loan Account # XXXX, and the pay funding took place on XX/XX/XXXX. I was told that the escrow surplus would be dispersed 15 days after payoff XX/XX/XXXX. And that it could take up to 10 days mailing - arriving by XX/XX/XXXX. Upon my third call to Amerihome I was told that I would receive the check by XX/XX/XXXX. The check has not yet arrived, So I call again and am told that the check was sent on XXXXand that I must wait 30 days, until XX/XX/XXXX. At that point they would stop payment and reissue a check that could take up to another 15 days to mail. Between the message the person that answered the phone keep repeating and being placed on hold I was on the phone for 1 hour and 35 minutes. I asked over and over to speak with a supervisor and told by XXXX that this had to be approved! At about 1 hour and 45 minutes, I was told said she would finally transfer me to a supervisor and in fact transfer me back to the opening phone que, after listening to all the recorded options again, I hung up. I feel like I am being scammed out of my escrow money. it is only {$200.00}, but during this pandemic - everything counts.
This is NOT how a reasonable financial transfer should work and this is NOT how people should be treated.
I wonder how many other checks they are holding out on. Or how many people have just given up. 49 day sis to long of a wait. Makes one wondering of the financial stability of the mortgage company.
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| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have spent months trying to square my escrow account as related to homeowners and flood insurance. I have spent hours on the phone and been given several assurances/commitments That a supervisor would get back to me to resolve this, at long last, which have never manifested. I have gotten misinformation and made unnecessary payments to try and balance my account. I have just received a second refund check from an insurer I paid in XXXX. After following up again and again, the company has issued more unnecessary payments and purchased/partially refunded unnecessary insurance policies on my behalf and cant seem to reconcile my account. I have been told that there would be penalties for an escrow deficit and am willing to pay in any funds necessary if SOMEONE can get to the bottom of this. I am not in arrears, have made all payments on time, followed all instructions, and secured all coverage when required, but cant seem to resolve this. It is now XX/XX/2020. I began dealing with this in XX/XX/2020. After the latest assurance by a rep that I waited on hold for 15 minutes to reach that I would be connected to a supervisor directly, I have now been on hold again for 30 minutes and have no confidence that this call will go through and will be properly managed. This is likely my tenth phone call, in addition to at least six Ive made to my insurers. This is completely unacceptable. This is a mortgage!!! Ive had retailers take returning a dress far more seriously!
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| 11/02/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XX/XX/20 our mortgage refinance was transferred from XXXX XXXX in Virginia to AmeriHome Mortgage. The first payment was due XX/XX/20. Between the time of closing and the first payment was due, our flood insurance dropped by {$1000.00} per year. I called AmeriHome and spoke with XXXX. She told me she would make a request for and escrow analysis. She said it could be accepted or denied. She said it would lower the amount of the monthly mortgage payment. She said we would hear by XXXX in a call or a letter. She strategized with us to figure out how long we could wait to hear back from the analysis before our payment would be late. Having heard nothing from AmeriHome, on XX/XX/20 I called again and spoke with XXXX. He informed me that he could not find an escrow analysis request. He said he would make a request. He said the late date is the XXXX of the month. I said my mortgage statement says after the XXXX is late. To date we have not heard from AmeriHome about the escrow analysis. I received a letter from AmeriHome on XX/XX/20 saying AmeriHome had not received any payment on the mortgage. I placed a call to AmeriHome and waited 30 mins twice. During the call an automated voice told me that only one payment was due on XX/XX/20. And that an property tax payment was pending. So we assumed that the company had received the first payment. So, we would like some help with this company. We believe our mortgage payment should be adjusted. Thank you, Sincerely ...
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| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I refinanced a mortgage for a single family rental property. Soon after closing, that mortgage was sold to Amerihome Mortgage around XX/XX/2018. I made my first payment to Amerihome and then signed up for autopay on XX/XX/18 using my business checking account ( I have multiple rental properties with other servicers and have always used a business account without issue ). Amerihome cancelled my autopay because they require a special form if using a business account. So I filled out the form and mailed it in and resigned up for autopay online on XX/XX/18. This time I assumed it was effective and took it off my to do list. However, my XXXX payment did not process because they had rejected my autopay again. I didn't find out my payment didnt go through until early XXXX. When I did, I immediately paid the full balance and explained the situation over the phone. The rep understood the situation and waived the late fee and all was good. A month later I found out Amerihome had reported the late payment to the credit agencies. I again called and explained the situation and wrote a letter to their dispute department but Amerihome refuses to remove the late payment from my credit report. My credit score has gone from an XXXX to a XXXX. This is not a late payment situation, this is a logistical situation that I have made multiple good faith efforts to comply with their requirements. Please help me to get the late payment removed from my credit report. Thank you, XXXX
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| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.
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| 11/03/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
|
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Web |
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In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.
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| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I received my escrow analysis dated on XX/XX/XXXX. The analysis has excluded one of my monthly payments for XX/XX/XXXX causing a larger than necessary collection of escrow payments. My payment for the XX/XX/XXXX payment was received by the Company, Amerihome Mortgage on XX/XX/XXXX, however was not included in the calculation.
Total paid for the period XX/XX/XXXX to XX/XX/XXXX is {$6100.00} with a beginning balance of {$1000.00} for a total escrow to be used of {$7200.00}, and taxes were paid out XX/XX/XXXX in the amount of {$4600.00} leaving the balance in escrow at its current amount of {$2600.00}. Insurance will be coming out in XXXX in the amount of {$1700.00} leaving an escrow balance of {$860.00}. The analysis shows that my minimum amount due should be {$940.00}. Leaving a shortage of {$79.00}.
With the amount for one of the months missing the amount due is being calculated at {$1100.00} and collecting monthly at {$91.00} plus the new escrow amount of {$530.00}.
I called Amerihome to request a new escrow analysis to be run and was told, " sorry it is correct and by the way it doesn't go into affect until XX/XX/2019 ''.
Then I asked to talk to a supervisor and the supervisor said I was wrong. So I asked to speak to a higher supervisor and was told the higher supervisor would be calling me back in 24-48 hours.
This is not correct and companies should not be allowed to bully their customer 's. I have never missed a payment.
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| 10/14/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I had an issue with the prior servicer on my mortgage. When I confronted them they supposedly sold the mortgage but i wasn't notified.
I was contacted by a company claiming to be the new servicer. when I got their letter i wrote to them and asked them to validate and provide me the documents they have for my account because there were many things not adding up. They did not respond. Instead they assigned fees to the alleged account. One for {$1000.00}, one for {$510.00} for attorneys fees. No letters were received to explain this and no response was sent addressing my request for validation and documentation that would allow an audit. In my letter I asked that they cease contact until validation was provided, constant robot calls get annoying, they don't even have an option to get transferred to a live person, their calls are automated and frustrating. They did not stop contacting me after they received my written request XX/XX/2022. They continued to send bills and call XXXX times minimum since then. The fees made me afraid to contact them since they established they will not respond and it will only make things worse as far as unnecessary fees. It was intimidating.
I believe they violated me under the FDCPA 15 USC1692c ( c ) failing to cease communication and 1692d harassment and intimidation. They failed to respond to my request for documents and I want the documents but I am afraid to ask them again. So I am asking for help now.
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| 08/29/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Amerihome mortgage I was in a loan modification due to Covid. When loan came out of modification I was reported as being late because they increased monthly payments after the fact and made them retroactive. Per agreement I was to make payment of XXXX every month starting in XX/XX/XXXX. I made payments of XXXX. For XXXX thru XXXX XXXX XXXX XXXX they did an escrow review and determined I was short and increased payments to XXXX. Retroactive to XXXX if escrow wasnt caught up. On XXXX XX/XX/5804. Was made to escrow but they still increased payment and made it retroactive. The XXXX. That I had paid over the 6 months was held in suspense until modification accepted by VA. In XXXX they applied the funds at XXXX vs XXXX which left me XXXX short for XXXX and they reported me late. Even though I met all requirements of loan modification they refused to accept they made mistake so now not only am I late by 28 days by XXXX. I owe an additional XXXX. Now for XXXX. This is completely unfair and not within terms of agreement and they will not assist or help me to correct error - I have email and called multiple times but am told no one can help me. To make matters worse in process when rates were historically low below 3 % they increased my rate during modification and loan amount by over XXXX. Today we owe more, at a higher rate and am now being reported as late on our payments and unfortunately we have no method to assist/correct situation.
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| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome, Mortgage Company notified me on XX/XX/XXXX about my home insurance expiring on XX/XX/XXXX and wanted a renewal policy. I called XXXX XXXX, current home insurer, about my policy. They had sent a renewal policy, but the address was wrong due to the mortgage switching between 3 companies in the first year. I gave XXXX XXXX the correct address, and they mailed it again. I got an email from XXXX XXXX on XX/XX/XXXX about not receiving payment from Amerihome. I contacted Amerihome about the problem. They said a renewal policy was not received. I called XXXX XXXX and got a pdf copy. I then uploaded the document to a website Amerihome told me to use. I got a message today, XX/XX/XXXX, that Amerihome has still not paid the home insurance policy and would be canceled on XX/XX/XXXX if not paid. I looked online at Amerihome and {$560.00} was taken out of my escrow account on XX/XX/XXXX and states the insurance policy is good through XX/XX/XXXX. I called XXXX XXXX and notified them that money was taken from my account to pay the home insurance bill. They stated that they never received any payment. I called Amerihome, and they stated they sent a check to the XXXX XXXX main office in XXXX, GA. I contacted XXXX XXXX to contact the main office. XXXX XXXX called me back and told me that no check has been received by the main office. I called Amerihome, and they are not willing to do anything else until 30 days after XX/XX/XXXX.
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| 04/23/2021 |
Yes |
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- Trouble during payment process
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Web |
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I mailed via USPS my XX/XX/XXXXmortgage payment to Amerihome. This was mailed XXXX day priority mail with tracking on XX/XX/2021. My tracking is showing the mail was delivered and received on XX/XX/2021. I went online to Amerihome 's online website to see if my XX/XX/XXXX mortgage had posted. It had not.
I called Amerihome 's office and they stated they could not find my payment and for me to submit receipts from USPS and any copies of the check mailed and they would investigate. I asked Amerihome how long will this take and they stated 30 days.
My initial complaint regarding Amerihome was for my XXXX and XXXX payment which was paid online and ontime. They reversed those payments stating I must have missed a number while entering my checking account online. Even though I called and provided them the number to submit the payment multiple times. I have already submitted that claim to CFPB.
Now the new issue is my XXXX payment. I mailed 2 weeks in advance and priority delivery and Amerihome can not find the payment ever made it to their office even though USPS stated it was delivered. The payment has not been cashed.
If I can not make a payment online without issues, if I can not mail a payment to Amerihome without issues, how am I supposed to pay my mortgage. There is a serious problem with Amerihome and CFPB needs to investigate.
I need to know where my mortgage payment is and why it hasn't posted to my account
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| 06/21/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I paid {$550.00} to Amerihome Mortgage to appraise my primary residence.
The purpose of the appraisal was to remove $ XXXX monthly private mortgage insurance ( PMI ) payments.
At issue, the third party vendor, appraiser, reduced the gross living area ( GLA ) of my house by 102 square feet from 2896 to 2794 square feet. All prior appraisals consistently measured the house to be 2896 square feet. When I asked why the negative 102 variance all the sudden, the answer that I received was that 102 square feet is within market variance.
Because of this 102 variance, my LTV is at 76.3 % rather than 73.7 % that would qualify me for PMI removal defined as 75 % LTV or less At this point, I have to pay {$5200.00} to Amerihome for PMI removal. I have filed three appeals but Amerihome nor the appraiser are willing to make revisions to my LTV.
I suspect that AmeriHome mortgage company is colluding with the appraiser by 1. purposefully reducing my GLA to attain a lower home value in order to disqualify me for PMI removal. The reality is that if the correct GLA is applied, PMI will be removed without paying {$5200.00} to Amerihome.
Amerihome has refused to entertain any revisions to my home value in light of this egregious inconsistency between their appraisal practices and previous ones. My only option is to appeal to you to investigate this unfair practice designed to keep customers stuck with PMI in perpetuity.
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| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced our home with XXXX XXXX in 2020 and it was sold to AmeriHome Mortgage. We set up our monthly mortgage draft so that we would pay the specified amount to escrow each month with our mortgage payment. AmeriHome was supposed to be taking money out of escrow and paying our home insurance with it. They were taking money out of escrow but it was not being put towards our insurance. Last week, our septic broke and flooded gallons upon gallons of septic water back into our home. I contacted our insurance company to file a claim and found out that AmeriHome had not been paying our insurance company out of our escrow, so they canceled our policy and we were not covered for the damage. It took days to get a response from Amerihome and once we were able to we were told that they were " working diligently '' on a solution. Meanwhile, our family of four with small children including a baby sat in a category three disaster home. Disaster Relief couldn't start removing the toxic waste from our home because they didn't have anyone to send the bill to. They came to our home this morning to access the damage but could not start the process of removing the damage because they do not have an insurance company to bill. We are going on a week with no solution, and have been unable to contact XXXX XXXX, who is supposedly handling the issue at AmeriHome Mortgage. We are desperate for a solution but can not get the help we need.
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| 12/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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A payment was made from my friend 's XXXX bank account his name is XXXX XXXX and the payment was taken out on XX/XX/2019. The payment posted.
Amerihome sent me a letter dated XX/XX/XXXX informing me that the payment was reversed due to insufficient funds. I called the mortgage company and they said since XXXX was not an authorized user on my account they sent the payment back and did not honor it. Because the payment needs to come directly out of my account and can not be paid from someone else 's. This process was not in my loan information.
I asked them how soon would XXXX receive his payment and they said that they would send him a check. 2 weeks go by and I called my mortgage company inquiring about the returned payment and I asked for a supervisor and she said that the payment was rejected and automatically sent back to XXXX 's account ( not true ). She also said that their company does not issue checks for returned payments.
I also asked about how this would reflect negatively on my credit report and they said that the mistake was on my end, not theirs.
I called back within 20 minutes and asked to speak to a supervisor and she told me that the payment was never processed due to insufficient funds ( confusing ). I told them that the money was in his account and it was taken out by the mortgage company and I had received a confirmation.
XXXX still has not received his payment back to his account.
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| 04/19/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, and XXXX, XXXX, XXXX, I tested positive for XXXX while providing care for my XXXX year old mother in Indiana but my home is located in XXXX DC. I called my mortgage company, AmeriHome, informing them of my illness on or about XX/XX/XXXX leaving a message for a return call. I also informed them I was in quarantine and please call. Amerihome never returned my calls .I made subsequent calls on XX/XX/XXXX, XX/XX/XXXX and emailed them on XX/XX/XXXX, because Amerihome failed to return my calls inquiring about options. As a result I went into my retirement account in order to bring my mortgage current. Amerihome failed to tell me about mortgage relief and simply demanded that I bring my mortgage current or face foreclosure and reported my mortgage as late to the credit bureau. When I went onto the Amerihome home website I could only make one late payment at a time which caused my XXXX, XXXX, mortgage payment to be late. I called Amerihome customer service several times and was finally able to reach them on XX/XX/XXXX, and they told me that there was nothing they could do and still failed to offer mortgage relief to me. I learned about HUD sponsored mortgage relief from a friend on XX/XX/XXXX. I called Amerihome on XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX to obtain but the number for mortgage relief/assistance always has a busy signal which is unacceptable in XXXX so I emailed them again on XXXX XXXX
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| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I revived my XXXX statement which advised the payment had increased to {$460.00}. I was also concerned about taxes so asked for the escrow to be re-reviewed because the massive increase did not make sense. They sent an updated escrow analysis, but no new statement or requesting an updated payment. I made my XXXX payment on time per the statement.
I revived a letter that says it was sent on XX/XX/XXXX, but it was not received until XX/XX/XXXX via mail. The letter stated that my payment was deficient by {$190.00} and that they had not processed my payment.
On XX/XX/20, I called to inquire about this which I was told well your payment increased because of an Escrow shortage which I advised I was confused about this because I was never requested to pay a different payment for XXXX nor did I receive a new statement which indicated a different payment for XXXX. I advised that this was unacceptable for them to request further funds when I made the payment as requested and that they never issued a new statement. Furthermore, I also received my tax appraisal on my home from the county which indicated a decrease in the value so that means my property taxes have actually gone down and not increased. The representative was stating that I just needed to pay the difference which did not make sense because there was no context or request that the payment for XXXX had increased since a new statement was never issued.
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| 02/15/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.
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| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been trying to apply for a loan modification with Amerihomes for about a year now. I fell behind due to my debt that accumulated during my mothers death and sickness. I also had flooding in my basement. When I tried to make a payment the bank would not accept it because I was more than 3 months behind. I have applied on several occasions. I always provide all the documentation they request. Every time I call it is another document that they request. I submitted another loan modification package. I was told it was complete as of XX/XX/XXXX. It was with the Underwriter and it would take them 30 days to make a decision. Now today on XX/XX/XXXX I was told by Ms. XXXX agent ID XXXX that the XXXX has stopped reviewing my package AS OF XX/XX/XXXX because they need more information. They need proof my mother died and medical bills and they need me to send them a bill for all of my expenses itemized. They want bank statements outlining all of my expenses. This is unfair and ridiculous. They are going to keep making excuses until I loose my home. Every time they put an excuse to this loan modification. It seems like they want to foreclose on my house since it is in a nice area. We make more than enough money to pay for our mortgage between my son and my sister 's family. Our hardship was resolved and they are trying to steal our home! my family has been through enough now they want us to be homeless too!
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| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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Due to an error on the part of AmeriHome mortgage, we have been getting delinquent notices on our mortgage. My credit score has decreased overnight by XXXX points.
On XXXX first, we made a payment. We received a statement dated XX/XX/XXXX which stated our next payment was due XX/XX/XXXX. On XX/XX/XXXX we made another payment. In the statement dated XX/XX/XXXX, it stated our next payment was due XX/XX/XXXX. We made our next payment on XX/XX/XXXX, when AmeriHome said it was due. Beginning in XXXX, AmeriHome suddenly showed us one month behind. A late fee has been assessed every month and our account is listed as delinquent on our credit reports. We called the call center on XX/XX/XXXX. We were told by the person in the call center that our account was current and everything was good. We asked her to make a note in the system that we had called and that our payments were current.she didnt do this.
Weve reached out to AmeriHome several times by phone. They informed us we needed to send a fax with our official complaint. We did that two weeks ago and still havent heard from them. We have copies of all the statements weve received from them, as well as confirmation numbers for all the payments weve made. This needs to be repaired immediately. This is 100 % an error on their part. Enclosed is a letter that was faxed to amerihome on XX/XX/XXXX and statements showing the information I described above.
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| 08/29/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Refinanced my home on XX/XX/XXXX. AmeriHome Mortgage bought the loan within a month of the refi. The closing document ( XXXX XXXX XXXX XXXX Form XXXX XX/XX/XXXX Modified ) stated that our first payment was due on XX/XX/XXXX. I paid them according to the closing documents. They maintain that I owe them for XXXX XXXX. This is not true and I called XXXX XXXX XXXX company to confirm this fact. They stated the Form XXXX is a legal binding document and since AmeriHome bought the loan they are legally responsible for adhering to its terms. In spite of me conveying this fact to them AmeriHome keeps sending me letters saying my loan is in default, I owe late fees, etc. even after I called at least 5 times talking to their customer service personnel, which they directed to do, and faxed them the closing document stating the first payment start date is XX/XX/XXXX. Their customer service personnel went as far as to acknowledge the fact that they received the document faxed and also already had the document in their files. Yet, they keep sending me these letters of default and to seek financial counseling and delinquent notices. After talking to their customer service reps I get letters of this type in the mail. It just doesn't make any sense. This frustrating, harassing and I want it to stop. My loan is current with them and I don't know what else they want. They seem to be very disorganized. Please help!
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| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX Amerihome mortgage company took XXXX mortgage payments unauthorized out of my checking account totaling {$5500.00} I called them immediately and there was nothing they could do. so I called the bank XXXX XXXX and I put in a claim with them to stop that payment from going through. the mortgage company said that they were going to refund me the money that was on the XXXX when they said that they were going to issue me a refund its now with the XXXX And nobody at the mortgage company can tell me where the refund is, if a check was cut, if a check was sent, whats the amount of the check, no check information at all I am but now that they pulled that money from my account when XXXX XXXX took the {$5500.00} payment back they nous say I havent made a payment since XXXX I have made all my payments. I have made all my payments on time and now theyre saying I owe them {$5000.00} when they have all the money Im not sure what to do this mortgage company is very difficult you cant talk to anyone that can do anything, wait on hold for hours so they can do research theres no communication within the company. they dont talk to the department that deals with the refunds. I just dont know what to do. I cant access my account online because they blocked it because they say Im more than XXXX months behind on my mortgage they said they were gon na send me to collections Im just unsure of what to do
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| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My current mortgage was on a forbearance due to loss of income related to COVID-19. I had an approved forbearance that I voluntarily terminated early and requested to be placed back into repayment status. I have never missed a payment and have a credit balance on my account. I was told my forbearance payments would be placed at the end of my loan, a calculation would be completed and my payments would resume. My loan was in good standing at all times.
The mortgage company then reported my account delinquent in error and stated I was over 120days late. I disputed this with them as well as the credit monitoring agencies. I have called them on six occasions over the past 45days attempting to resolve the issue with no success. Im placed on hold for over an hour each time and no one can provide me any remedy, correction or accurate information regarding my dispute other than it was filed and will be processed.
My credit score has dropped almost 200pts and I only found out about the issue when I went to seek credit for an auto loan and was denied. I have asked on multiple occasions to speak with a supervisor and have been denied.
I am at risk of losing the ability to close on my refinance with another company and lose my rate lock due to this issue still going uncorrected.
The mortgage company transfers me around and I have still not been able to speak to anyone that can resolve the issue.
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| 07/13/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I set up an autopayment for my mortgage company Amerihome Mortgage, which was, unknown to me, not going into effect until after the due date. Once the account was made delinquent, due to the autopayment, not processing, the future autopayments were not made because the company will not process autopayments on accounts in " delinquency. '' Throughout this process, the company maintains that it made attempts to contact me, however, I have no receipt of any attempts to contact me until the date which I was made aware of the delinquency in early XXXX. The entire time that the company was " not receiving payments '' they had my bank account information and autopay permission on file. The company advised me that they called me at the number on file, which is the number I listed as my employer 's number, not my primary contact. As well, no email was sent to my contact address regarding any delinquency or missed payments. I have received no contact regarding this issue until XXXX. When I addressed the issue with Amerihome, they stated they would file an inquiry. I received the decision on the inquiry today that no adjustments are warranted. I believe Amerihome Mortgage is participating in predatory practices designed to intentionally place borrowers in delinquency. When I attempted to contact the company again, I was greeted by two extremely defensive and uncooperative customer service agents.
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| 12/01/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX I lost my job due to Covid, in result I had applied for a forbearance on my loan. When the forbearance ended I was unable to do any loan modifications or make any payment. After sending documents and getting put in circles I got approved for a streamline loan modification. When the time came to make the payment I was unable to due to my home being in an active foreclosure again. About a month prior to the payment I payed an escrow payment of XXXX to lower my monthly payment from XXXX to XXXX. I asked the lady when the escrow payment was payed if I need to do anything and she told me I do not. I was informed the reason I was denied when I went to make my payment was due to a hardship letter. My wife and I then applied for a loan modification again, this loan was dragged on and on which then was eventually closed. I sent multiple copies of multiple documents via fax that are never received. While in the process to then apply for the loan again I was told the reason I originally was denied was not a hardship letter was actually an offer letter than I never signed and returned. ( which I never received ) What I did receive was a bill for XXXX dollars due on that day. After a month of calling I finally come to find out that I am denied for the loan modification. This loan modification that I was denied and now have to sell my home and move was approved multiple times in the past.
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| 02/01/2018 |
Yes |
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- Trouble during payment process
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Web |
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I lost my job just after closing on the house in late XX/XX/XXXX. I used savings to make the payments until XX/XX/XXXX, when I couldn't make the XX/XX/XXXX payment. I have since gone back to work but am behind for XX/XX/XXXX, XX/XX/XXXX and tomorrow, XX/XX/XXXX. I have tried to call the company several times, but am kept on hold a very long time or no one answers. I've sent 4 written messages through the company 's online message center but no one has responded to any of my messages or answered any of my questions. I get at least one letter or statement each day from this company, but no one will talk with me when I call or reach out to the through their website or loan administration portal. I can only make 2 or 3 payments online. Their portal will not allow one payment. I can't make a payment over the phone because I can't get anyone to talk with me. I finally mailed one payment in on XX/XX/XXXX, but they are telling me they haven't received it and it has not been posted to my account and it has been 7 days. I received a letter today telling me that I must make 2 payments on or before XX/XX/XXXX or I will be in the foreclosure process. They will not accept one payment. Only two. I'm not making partial payments, but full payments, but I can't make two at a time. I don't know what to do since this company will not accept a mortgage payment from me but is threatening foreclosure.
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| 02/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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XXXX, my job ( entire department ) was eliminated due to centralizing in XXXX. XXXX I used my severance pay to pay my mortgage up through XXXX. XXXX 's mortgage was due XXXX, so I called that same day to discuss situation. I explained it was hard to pay all bills with small, weekly checks, so could pay {$180.00} weekly as I received unemployment pay? They said no, but then they offered no other options or resources when I asked if they had any advice. I did not have the full amount of the mortgage until I received direct deposit on XXXX, I immediately went about making the payment. They locked my online account so I had to call them, they said because I was late I could only pay by phone and yet I would be charged XXXX $ on top of late fee for doing so. Fine, I did so, XXXX payment was made at XXXX XXXX on XXXX but then she went about telling me I had already been reported to the credit bureau for being XXXX days late ... .I was paying on exactly the XXXX day because they refused any other options or arrangements. They made XXXX $ from the situation and damaged our credit. Plus, I explained I had a job, but I started on XXXX and my first paycheck would be XXXX, is there anything they could do to help me and they said to check out a " my options '' website, but my next payment would still be late by XXXX. I asked about modification or determent and was told I did n't qualify.
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| 09/28/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/2022, I received a voicemail from a researcher and investigator from Amerihome Mortgage, in reference to finalizing my forbearance. The message is from XXXX XXXX and he states that my forbearance was being finalized and they were working on getting the documents mailed for me to sign them. Since then, I have not received any documents in the mail and each time that I contacted Amerihome in reference to this issue, they have requested that I submit a new application and supporting documents. I have since submitted 2 new applications and supporting documents. Both applications have been rejected due to additional documentation needed. I don't understand how I was approved for forbearance in XXXX and I never received the paperwork. I feel that there is a game being played and unfortunately, I have not been able to receive a forbearance and now I am in jeopardy of of losing my home.
In addition, Amerihome has sent someone to my home on XX/XX/2022 to inspect my home. I don't understand why they would send someone to inspect my home, when they are fully aware that I am occupying the home and they know that I plan on staying in my home.
Amerihome is clearly overstepping their boundaries and violating the mortgage laws. I refuse to be taken advantage of and I request an investigation.
Please look into this matter as soon as possible. Thank you in advance.
XXXX XXXX
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| 12/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage is through AmeriHome Mortgage. When my house caught on fire in XXXX and Covid hit all at the same time, they granted me forbearance. After the forbearance period, I was granted a junior lien, essentially a deferment, allowing me to tack on the mortgage payments that were in forbearance to the back of the loan.
I was granted this, through FHA/Amerihome 2-3 months ago. They were supposed to mail me a document to sign and send back so that it can go into affect.
I have called and spoken to their reps 5 times over the past few months, and they STILL have not sent me the documents. Meanwhile, I am getting letters from them saying I owe $ XXXX and that late fees will be incurring soon if I don't pay it.
Once I elected to end forbearance, I began making payments on time. The last time I talked to an Amerihome rep, they told me that it looked like the document had just never been sent. He told me he sent an email to their department CCing essentially everyone asking them to send it.
It has still not been sent. After months of calling in, and asking for this one document, they still have not sent it. I just want my life back. I just want them to adjust my mortgage back to normal as they promised.
This has been an absolute nightmare. I just need them to send me this document as theyve stated they would countless times over the past couple months and never have
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| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was approved for a three month COVID19 Forbearance for the months of XXXX, XXXX and XXXX of XXXX. In XXXX, I was going through my mortgage online account when I noticed there was an alert for a document. I clicked on it and saw it was a letter offering me a deferral to help bring me current after my forbearance, however I never received this letter in the mail or via email. I then called approx XX/XX/XXXX to accept the deferral and to make my XXXX payment since I indicated my COVID19 hardship was over and I could resume payments. I specified to the rep, according to my approval letter my payments are now {$1800.00} so that is the amount I would like to make. He then proceeded to take a payment over the phone. On XX/XX/XXXX I called since I realized my loan was still not current. A representative indicated the rep I had originally talked too approx XX/XX/XXXX did not submit the request therefore my deferral was not completed. I was then put on hold for over 20 minutes and the rep never came back and then hung up on me. I then called back and got another rep who stated they had to start all over with my account and would send my account over for review. I indicated to her I had made my XXXX payment and was ready to make my XXXX. After I hung up with her, I went to check my mail and the XXXX payment I made on my account was sent back to me in a form of an escrow overage.
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| 01/28/2021 |
Yes |
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- Trouble during payment process
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Web |
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Hello, We are calling about multiple issues where we have been unable to get resolved from Amerihome. I have asked for a supervisor to return a call and this has not occured. I will list each issue below. ( Today, XX/XX/XXXX, I I spoke to XXXX in Customer Service XXXX 1. Amerihome agreed to participate and accept a payment on the behalf of the State of Illinois for a past due balance on the account. One of the provisions to accepting the payment, Amerihome was to waive all late fees on the account. This amount was {$470.00}, As of XX/XX/XXXX, these fees have not been waived and according to a representative they will not waive the fees.
2. I mailed a payment which was sent priority, Amerihome received the payment on XX/XX/XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This payment was to take care of mortgage payments XXXX XXXX. On XX/XX/XXXX, I was told the payment would post on XX/XX/XXXX, and as of today XX/XX/XXXX, I was told Amerihome has not received the payment.
3. Lastly, after receiving a letter that there was a amount that was a surplus in our account, Amerihome would retain that amount because the account was delinquent. Since, the mortgage has been paid up until XXXX, and I asked for an escrow analysis. The representative informed the escrow analysis would not be done until XXXX. So, the excess monies that are held will not be released until XXXX.
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| 06/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome Mortage became my mortgage holder after I purchased my home last year. I pay them monthly with escrow including property taxes and insurance. On XX/XX/XXXX, A letter from them confirmed they would be paying supplemental tax for it from my escrow account since I had sufficient funds, on XX/XX/XXXX, Another letter from them said they had paid the supplemental tax..
When I saw the tax was still unpaid on XX/XX/XXXX, I called in and asked why. I was told it was all their payments are bundled and it would show after all is cleared. I called in again, still was told not to worry. Then later, I got the county 's tax delinquency notice along with the penalty. I asked and was told it was paid, not to worry. Please see the attachment from secure message sent on XX/XX/XXXX saying everything was paid and confirmed. Then now, on after more than 2 months, on XX/XX/XXXX, I was told me that tax is homeowner 's responsibility. I have to pay for the late penalty instead! I would have paid myself on XX/XX/30 if they did not claim it was paid already again and again. I was totally deceived by various of their responses in letter, email and secured message, all in writing, along with phone customer servicer! I should not be responsible for their false claims that caused the penalty. Instead they need to compensate me for all of the lost time and energy and emotional distress!
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| 01/10/2022 |
Yes |
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- Trouble during payment process
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Web |
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When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes.
We got the Dwelling Tax bill on XX/XX/2021. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/2021, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/2021 due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill.
|
| 11/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home.
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value.
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}.
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results.
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.
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| 05/05/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I lost my job due to covid. I know as a consumer my rights have been violated by Amirihome Mortgage. The foreclosure process they are attempting to take me through is fraudulent and is illegal according 15 U.S.C 1692e. False or misleading representation states a debt collector may not use False, deceptive, or misleading representation or means in connection with the collection of any debt. I created the document ( NOTE ) which makes me the grantor. In doing so I gave XXXXXXXX XXXX XXXX, XXXX the fidicious duty as trustee. The my promissory note was sold to Amerihome Mortgage. 15 U.S.C 1692e number 4 states The representation or implication that non payment of ANY debt will result in the arrest or imprisonment of any person or the SEIZURE, GARNISHMENT, ATTACHMENT, OR SALE OF ANY PERSON unless such action is lawful. Section 5 the threat of any section CAN NOT Legally be taken.
Section 6. The false representation or implication that the sale or transfer of any interest in a debt shall cause the CONSUMER to ( a ) lose any claim or defense to payment of the debt or ( b ) become subject to any practice prohibited by this subchapher. I do not owe Amerihome anything this ALLEDGED debt was paid in full when I created the NOTE. They are not the originator or the beneficiary and neither is XXXX. I am the Consumer and I will not allow my rights to be violated.
|
| 07/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage closed on XX/XX/XXXX and subsequently sold to Amerihome. Because it was a newly built home, taxes were not yet determined so the initial escrow payments were higher than they should have been. I understood this and accepted the higher escrow payments, knowing I would be getting any overpayments back.
In XXXX XXXX, an escrow analysis was completed and a refund over {$3000.00} was received.
On XX/XX/XXXX, my escrow was again over funded by over {$4000.00} so I contacted Amerihome via email to request an analysis as per their instructions. At that point, all bills for the year had been received so all payments were known. Amerihome responded, telling me that I had to hand write a letter requesting an escrow analysis and provide all documentation. They had the documentation in their system and it made no sense as to why a hand written letter was required, other than to give me the run around. When I explained that under the law, they were required to perform and analysis, the response was that it is their policy to require a hand written letter before performing an escrow analysis.
I am asking for assistance for the quick return of my excess escrow balance and an escrow analysis to be performed in order to align my payments to my actual bills.
My mortgage payments have always been on time and my account is up to date.
Thank you!
|
| 10/23/2020 |
Yes |
|
- Trouble during payment process
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Web |
Servicemember |
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Amerihome Mortgage, XXXX. XXXX XXXX, XXXX, NJ, XXXX. We paid our mortgage off as of XX/XX/2020. We have an overage of {$1400.00} due to us in our Escrow. We have tried multiple times to get our refund. They sent the initial refund to the original property address ( home we had sold ) and we waited three weeks for it to be rerouted to our new address, of which we registered with USPS. When it did not arrive we called and asked for a new one to be issued and mailed out. They claim they did that, when I checked online to verify, there is no activity past the initial refund check in XXXX. I saw they entered our address as " XXXX XXXX '' instead of " XXXX XXXX '' so I updated it again and hoped the check would somehow make it even with the wrong street name. It never came. This was mid XXXX. We called again in XXXX, multiple times, requested yet another check and was told they would overnight this one. We thought, great, thank you. Well it never came. Called again the next week and are now being told they would not overnight anything like that. The Customer Service Reps are limited in what information they can see and refuse to allow us to talk to a manger or the accounting department to try and finally get this resolved. We are beyond frustrated. We are already two mortgage payments into our new home and still waiting on our refund from this company.
|
| 03/12/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
|
Amerihome Mortgage XXXX XXXX XXXX XXXX SC XXXX XXXX Company Headquarters XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Good Day, We have had our mortgage through Amerihome since XX/XX/2020. They paid our insurance premium in XXXX of 2020. We later received a letter saying that our home owners insurance wasn't paid. Our insurance company sent them proof that we had insurance as well as a copy of the check that Amerihome sent to our insurance company to pay for the home owners policy. We got another letter this week stating that since we currently do not have home owners insurance they have purchased it on our behalf. It is nearly three times what our current policy charges. Once again our insurance company reached out to Amerihome to prove that we already have insurance and that it was pain in full in XXXX. Our insurance company ( XXXX XXXX ) has kept records of all the correspondences with Amierihome as well as copy of the check they sent to pay for the policy.
When I spoke with XXXX XXXX, they said this was the second time that day they had the same issue with Amerihome from another policy holder and that they have had the same thing happen with Amerihome quite frequently. It's my concern that they are issuing home owners insurance in a fraudulent manner. As well as taking money from their clients escrow account without permission.
Thank you
|
| 11/01/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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ok. our mortgage company is amerihome mortgage. we have been struggling with them for almost 2 years now to be put into another payment plan. the first one we were in we had it all paid off and the last payment they returned and kicked us out of it. so since then we have been filling out packet after packet of paperwork, writing letter after letter of hardship, submitting countless bank statements, proofs of incomes and jumping through all of these hoops just to get some help from our mortgage company. we are even working with a hud counseling agent to help us with the process and getting nowhere but deeper in debt with our mortgage company. im finally at to where i could start making payments if they just put us in a payment plan already. now our home is in foreclosure. the first set of attorneys the mortgage company had is now being sued. we tried to make payments to the mortgage company and they denied us and referred us to the attorneys. tried paying them and they turned us down. now they are being sued. second set of attorneys have sent paperwork introducing themselves and nothing more. during all of this, we had make a couple of payments through the automated system of the mortgage company and they took it. we have proof on our bank statements. now all we want is from them to help us and place us in a payment plan to get us back on track.
|
| 03/28/2018 |
Yes |
|
- Struggling to pay mortgage
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Web |
Servicemember |
|
***I was working with Amerihome Mortgage on a loan modification for my house. I did not receive the packet in the mail that the lender told me i was going to receive. I downloaded the application and faxed them over all the forms they needed several times.
***Amerihome Mortgage went ahead and auctioned off my property regardless that we were already in the negotiation phase of doing a loan modification.
***I was told by hud that i qualified for a loan modification since i had an fha loan and qualifed for a hardship since i am XXXX XXXX.
***I would like somebody to look into this since i do not feel that anybody should be told one thing ( Amerihome Mortgage helping me do a loan modification ) but at the same time they were still moving forward with auctioning off my property. It specifically states that this is illegal to do in the homeowners bill of rights as well.
***I had to file bankruptcy just to save my home from being sold by the bank.
***I had my XXXX and became ill and on XXXX XXXX however the lender has not once given me any type of solution that shows they are willing to help me with a loan modification. I have applied XXXX separate times and was denied for a Different reason each time by Amerihome Mortgage. This needs to stop not just for me, but by anybody who is XXXX XXXX who is having a hard time paying their mortgage.
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| 05/15/2019 |
Yes |
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- Trouble during payment process
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Web |
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Upon receiving my Year End Interest Statement, I realized that the address the mortgage company had on file as my primary home address was in a different state than where I live. I have emailed the company and made numerous calls in an effort to resolve this but I am not getting anywhere with them. I have explained that I live in Texas which is where my loan originated from, I have never lived in Tennessee which is the address that now shows up on my statements. This caused me to to have to get an extension to file my Income Tax and now I'm in danger of losing my XXXX health insurance as it is a requirement that i file my taxes. I've been battling XXXX XXXX and can not afford to be without health insurance. I tried explaining this to a supervisor after being transferred several times and she finally agreed to make the correction and fax me the form but that was over a week ago and I never received it. Also, I changed my homeowners insurance to a less expensive one and they claim that they never received payment. One week later I verified that payment was received but they are still charging me the higher premium that they slapped on my loan which increased my payment by more than {$200.00} per month. I don't understand how a mortgage company can change the address on my file without my authorization and increase my payment PLEASE HELP ME!!!
|
| 02/23/2016 |
No |
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- Loan servicing, payments, escrow account
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Web |
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Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Complaint ID XXXX-XXXX Still I am not satisfied with the company response. According to the recent company statement I started in XX/XX/XXXX with a balance of {$350000.00} and my outstanding principal balance today is {$330000.00}. After paying {$32000.00} in 12 payments from XX/XX/XXXX to XX/XX/XXXX. If I see their amortization schedule my principal should be less. ( I will to attach with this letter. ) after paying 12 payments in 9 month, I paid {$3000.00} for 7 times and 5 regular of {$2200.00}. I paid three extra payments of XXXX from XX/XX/XXXX, to XX/XX/XXXX by 4 month. Then from XX/XX/XXXX to XX/XX/XXXX I started paying regular XXXX my regular mortgage payment, because they don't use my extra money toward my principal. why is my principal that high still don't know I am missing more than {$2000.00} in my principal.
The company sent me a paper copy and also on their website there were too many additions and too many subtractions, that doesn't make any sense to me how they come into this balance Looking at the outstanding due it doesn't look to me okay that's why I called the company again and again they did not correct it, now I asked XXXX as a third party to look at the account and tell me if it is okay. I will attach all of my documents, you will tell me if I am saying anything wrong.
Thanks for your help XXXX XXXX XXXX
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| 10/30/2020 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
All during the monthly loan payment when I send additional principal AmeriHome mortgage continues to hold and misapply funds to the correct funds ( additional principal, escrow etc. ) and I would have to call them to have them correct the issue. However this has been ongoing since the beginning of the loan. I requested that they follow the payment stub submitted with my check and they advised me that its an electronic process and not a manual process. I then requested that my account be FLAGGED for special handling, they replied not possible. I replied with I should not have to call each month to correct in house matters and my loan is special to me since its a big investment. I then requested a 100 % audit on my account since the balance, escrow and interest was incorrect according to my calculations. I have paid aggressively on the first year since the principal was lower. Over the past three months they claim they would work on the correcting the issue and reply with supporting documents, but I feel that all balances are incorrect. At some point over the pass three months I have spoken to supervisor XXXX ( # XXXX ), XXXX XXXX ( # XXXX ), XXXX and finally XXXX XXXX XXXX from XXXX XXXX in New Jersey phone number XXXX. I sent follow up emails to her on XX/XX/XXXX and XXXX requesting for the 100 % audit, with no response as of today.
|
| 01/25/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
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CFPB : My mortgage is serviced by AmeriHome Mortgage Company LLC. My taxes and insurance are paid by AmeriHome through an escrow account. AmeriHome has not paid my City of XXXX ( Kentucky ) taxes, which were due on XX/XX/XXXX. I have called numerous times and each time they tell me that they will pay it. To date, it has still not been paid. I have checked with the City on this and they have not recieved anything from Amerihome. My last phone conversation with AmeriHome was today and it made me me realize that they have not been proactive on this issue at all. The last payment they attempted to the City was rejected. To my knowledge, they did nothing to investigate why the check was not accepted and never contacted me to let me know. Had I not received ( yet another ) delinquent tax notice from the City, I might have let this go on even longer without realizing my taxes have not been paid. It is incredibly frustrating to rely on such an incompetent company to pay my taxes. I spent an hour on the phone this morning with them, which is an hour I have to take away from my own workday. Additionally, they are transferring my mortgage to a new company, XXXX XXXX, and I got the feeling that they do not care about my tax issue since I will no longer be their account come XX/XX/XXXX. Lastly, I did tell them that I'm filing this Complaint.
|
| 11/06/2017 |
Yes |
|
- Trouble during payment process
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Web |
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I made two partial payments to my mortgage company using my bill pay with my bank XXXX XXXX XXXX XXXX checking ) on XXXX XXXX and the other on XXXX XXXX. I began getting notification that I had not made my payment and upon contacting XXXX Mortgage XXXX my mortgage company ) I was informed that the amount sent in on XXXX XXXX in the amount of {$940.00} had been sent back as NSF, I found this odd because I was under the impression when using bill pay the funds are sent directly from the bank to the merchant, so how could they be returned as NSF. Regardless, I contacted my bank and they did an investigation which came back as the XXXX Mortgage had accepted both transactions I made. I have made countless phone calls and have been told half a dozen stories about where the money is and my status for my XXXX payment. They are no longer answering my calls when I contact them or I end up in their hold system for hours. I 'm unsure how to move forwards with this and am very afraid to send another payment to them at this point. I have both trace numbers for these transactions and have forwarded them to XXXX in hopes that they will rectify their error. I do n't know how this is effecting my credit score and now that it 's XXXX my XXXX payment is officially due.
XXXX payment debit trace XXXX {$940.00} XXXX payment debit trace XXXX {$350.00}
|
| 04/23/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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Web |
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Due to the XXXX XXXX, President Trump indicated that all mortgages would be available for a deferment. We are both furloughed from our job. My wife, XXXX XXXX since XX/XX/XXXX. Me, XXXX XXXX, since XX/XX/XXXX. We live in Florida and have applied for unemployment. Neither of us has received XXXX benefits from Florida as of XX/XX/23.
We filled out the help forms on Amerihome Mortgage 's website, and they have never mailed or emailed either of us a response. We talked to XXXX rep who said we could ask for a forbearance. But, President Trump said there would be deferments. And, when you are not making any money, a forbearance makes no sense.
The Amerihome rep told us we could get a XXXX day forbearance, but then would be responsible for all of the monies owed in the fourth month. Since we have a USDA, federally backed mortgage, Amerihome should be offering us a deferment. We are in a rural area, we are not wealthy, and now we are out of work.
Since we are getting no help from Florida, our money is running out, and we are concerned we will lose our home. Amerihome as been no help, have not responded to our requests for help, and when we pressed the rep for help, he told us to refer to the USDA. We are at a loss now ...
Please help.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Greetings, I am extremely frustrated with Amerihome Mortgage and XXXX XXXX. The mortgage company failed to inform me in a timely manner that they weren't able to secure the homeowner 's insurance payment due to the failure to secure the insurance company 's information even though they had made a payment on my behalf the previous year. I asked the company why no one had emailed or call me to let me know I had no insurance they said it was against the company 's policies. It's considered harassment to send me an email even though I receive monthly payment emails from the company. I was told I am on my own and I would have to find a new insurance company, even though I am not the reason I lost my insurance. I found an insurance company and weeks later the company still hasn't received any payment from them even though they said they mailed out a check since XX/XX/2021, the company still hasn't received it up until XXXX XXXX.
As it relates to XXXX XXXX, It has been a month now since they informed me that they are unable to reinstate my insurance, and they still haven't returned the check. I have called them multiple times along with my mortgage company and still no help. How is this acceptable when this is my money that is continuously paid on time???? how can these companies treat customers like this with no consequences?
|
| 01/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I called Amerihome/XXXX XX/XX/XXXX to inquire what they needed for proof of paying my Property taxes, {$7100.00}. I sent them a copy of the statement from the county, the tax receipt, and copy of my check, which cleared the bank on XX/XX/XXXX.
I received an email from Amerihome on XX/XX/XXXX stating they made the payment on XX/XX/XXXX.
I called them on XX/XX/XXXX, confirming what I sent was received and my account noted that I was paying my property taxes. They gave me no reason why they paid it when there are clear notes that I had already paid it.
So, they sent me a statement for the XXXX mortgage payment of {$2600.00}, they added the Property taxes ton my payment! My normal payment is {$1600.00}. I made it very clear to them that I would only pay my regular mortgage payment.
I spoke to someone at the mortgage company on XX/XX/XXXX stating that she saw the work order seeking the refund from the county. They are waiting for the refund, and my escrow account is in a negative status. Well, that's due to Amerihome not reading the account notes before making payments!
I made it clear that I would only be paying my regular payment, and no penalties are to be associated to my account. They also said I couldn't get an escrow waiver until they receive the refund.
As of today, XX/XX/XXXX, it still hasn't been corrected.
|
| 07/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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AMERIHOME MORTGAGE ACCOUNT XXXX UNDER XXXX XXXX. DAIGNAULT, NEGLECTED TO PAY OUR FEMA FLOOD INSURANCE BILL ON TIME. THEY WROTE A CHECK FROM ESCROW, HELD IT FOR 15 DAYS, THEN SENT IT TO THE WRONG ADDRESS TO A TOTALLY DIFFERENT STATE FROM FROM THE INVOICE REMITTANCE INFORMATION. THIS CAUSED FEMA TO CANCEL OUR INSURANCE. THEN AMERIHOME SENT IT AGAIN TO A DIFFERENT ADDRESS BUT AT LEAST TO THE CORRECT CITY AND STATE. MY WIFE IN FACT SENT FEMA A PERSONAL CHECK TO TRY TO KEEP OUR INSURANCE ACTIVE AS WE HAVE FELT FOR THE PAST YEAR THAT AMERIHOME EMPLOYEES WERE INCOMPETENT. WE HAVE CALLED THEM REPEATEDLY AND EACH TIME THE CUSTOMER SERVICE PERSON COMPLAINED ABOUT THEIR COMPUTERS. WE BAGGED THEM TO TAKE CARE OF THE BILL AND WAS TOLD IT WAS THE INSURANCE DEPARTMENT'S ISSUED THAT THEY WOULD PASS ON THE CONCERN. WE FELT THIS NEVER HAPPENED. AND OF COURSE, WE WERE NOT ALLOWED TO SPEAK WITH THEM. NOW FEMA WANTS $XXXX MORE TO KEEP OF SAME INSURANCE, WE FEEL AMERIHOME SHOULD PAY THE FEE. THE CHECK NEEDS TO BE IN FEMA'S HAND BEFORE XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE ALSO HAVE OTHER SITUATIONS WITH THEM BUT THIS IS THE MOST PRESSING. IF YOU NEED DOCUMENTATION, PLEASE LET ME WIFE KNOW AS SHE HANDLES THE ADMINSTRATION ISSUES OF OUR HOUSEHOLD. XXXX AT XXXX XXXX.
THANK YOU FOR YOUR ASSISTANCE IN THIS MATTER.
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting.
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.
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| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been working with AmeriHome Mortgage since XX/XX/2021 to figure out why my mortgage payments have been raised substantially. They told me in XXXX that my account was being investigated and that my account would not be penalized in any way in the meantime. I have another complaint about that issue with your organization that is still pending.
This complaint is about AmeriHome continuously calling me regarding a debt collection over this mortgage. I informed both XXXX XXXX ( AVP, Customer Experience Office of the President ) and XXXX XXXX in writing about this harassing behavior. They call during work hours, they call in the early morning. They leave long rambling messages that fill up my voicemail.
XXXX XXXX did not reply to my notification of the harassment and XXXX XXXX said there was nothing she would do to stop it.
I have also written several times to XXXX XXXX and XXXX XXXX that I want any and all exchanges with AmeriHome to be in written form due to the lack of follow through or institutional memory on my case.
This is harassment. I am actively working with this company and have pursued relentlessly getting answers regarding my case. All delays have been from the side of AmeriHome. They are threatening my credit score and my home. This predatory and harassing behavior needs to stop.
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| 03/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.
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| 05/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our refinanced mortgage was issued by a local lender and then resold to AmericaHome Mortgage ( NJ, USA ). The refinance overestimated our annual property taxes by over 25 % ( over {$1000.00} ) and this extra money accumulated in the escrow account. AmericaHome withdrew the overestimated amount but then paid our actual tax, leaving over {$1000.00} in extra cash. On the escrow statement ( datedXX/XX/2021), this extra money disappeared entirely and did not reappear after the correct amount was paid to the city taxing authorities ( shown on the loan statement dated XX/XX/2021 ). Only when we repeatedly called AmeriHome did they find the leftover money that had gone missing and issue a refund check for the difference between the estimated property taxes and the actual property taxes. Similarly, only at our insistence did AmeriHome update the escrow account going forward to change the amount set aside for property taxes to the correct amount and reduce our monthly payments to the correct amount. I fear that customers who are less scrupulous about reading the fine print of their escrow statements and loan statements are at risk of being ripped off by this company since over {$1000.00} went suspiciously missing on their paperwork. Unchecked, this could have gone on every year for the 30 years of the mortgage.
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| 11/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Over multiple instances with mutlpile months Amerihome mortgage company has taken double the payments from me. They have reversed each payment however now in XXXX they say I didn't pay them in all still again taking a payment twice in the same month. Now my mortgage payment is 34 days over due effectively messing with my credit score which is when is starts becoming a bigger deal. I was on hold with there company just for them to tell me they sent me a check that I never received. The supervisor refused to speak to me and just the the original person talk to me while he spoke to her in the background. I was upset or angry I was just trying to be professional about this whole situation. They told me they would fix the issue remove the latest fees but it would take a couple weeks. This company just doesn't seem to understand their own system or the way or works and just has me sitting on hold forever. For them to do this not once but three times is just unacceptable and them to never answer to the phone or just have some.kinda answer just shows there professionalism I'm honestly not sure I want to even be part of a company that doesn't even understand it's owns customers or systems or show the slightest concern for the issue. This company has shown me they really couldn't care less about the consumer.
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| 11/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Sent Mortgage payment to XXXX XXXX on XX/XX/XXXX for XXXX Payment.
No Contact given after repeated attempts to contact via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Response finally given after email on XX/XX/XXXX.
Email instructed that loan was sold to Amerihome and I was given loan number and phone number to contact. After repeated FAILED attempts to access my account via Amerihome 's website portal, I attempted to contact Amerihome 's customer service to no avail. No agent was assigned as I was greeted with this statement only : " Thank you for contacting us. At the present time all of our CHAT agents are busy assisting others. We apologize for this inconvenience and ask that you try again later. We are open from XXXX to XXXX Eastern Time Monday through Friday. '' Phone call attempts also resulted in no progress. I am currently unable to make any payments on my mortgage, especially any early payments all the while my mortgage continues to accrue interest to which I have no control over. Essentially, I am being charged even more money which I could have avoided if both of these companies improved their customer communications, customer service, and website portals. I find this to be extremely aggravating and an unethical way to run businesses in a stressful industry.
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| 03/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I've called the mortgage company at least 25 or 30 times in the last 2 weeks attempting to get them to pay the remaining {$100.00} of taxes and late fees that they accrued due to not paying my taxes on time through my escrow. I've spoken with numerous representatives on the phone to attempt to get them to resolve my issue and they look at the notes and say that it says it's been paid and I tell them I just got off the line with the XXXX XXXX tax office who's currently telling me that it was not paid. I get frustrated and annoyed and tell them to fix it and they either hang up or say we'll fix it and call you back tomorrow and no one is actually doing anything. Just smoke and mirrors. I've told them on numerous occasions that XXXX XXXX tax office in XXXX, NC has already sent a garnishment letter to my employer saying they will garnish my wages and my employer has notified me that they will garnish my wages on XX/XX/20 if these taxes aren't paid by then, but no one at Amerihome Mortgage is actually helping me. They are literally not assisting me. I've spoken to my attorney about this and they suggested I send you a letter. So here it is.
XXXX XXXX government - XXXX ( XXXX Amerihome mortgage - XXXX ( amerihome.loanadministration.com ) Thanks for your assistance in this matter.
XXXX XXXX XXXX
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| 07/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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New home constructed XXXX, purchased in XX/XX/XXXX. Lender calculated property taxes into PITI. Loan then bought from lender by AmeriHome. XX/XX/XXXX, AmeriHome sent ltr increasing Escrow tax deduction w/o explanation to be eff XX/XX/XXXX. My research disclosed XXXX County, AZ documents that property was to be assessed for tax years XXXX & XXXX as 'Vacant Land '. I sent 3 email msgs to AmeriHome w/county document. AmeriHome did not accept county document or my challenge. XX/XX/XXXX, ltr to AmeriHome asking for answer to email msgs & decision. XX/XX/XXXX, lady called from AmeriHome tax dept saying they had document from XXXX County that taxes due XX/XX/XXXX exceeded {$2200.00}. She declined to provide copy of document & said she'd call back in 2-3 days - no call or ltr to date. Called County Treasurer & told no ltr was sent to AmeriHome & allegation of {$2200.00} taxes due in XX/XX/XXXX is false! He told me taxes are NOT assessed by Assessor until late XX/XX/XXXX of current taxable yr. The assessed value is then sent to Treasurer for review & evaluation. Treasurer ofc then applies County formula for taxing B/4 being sent to pty responsible for payment - ( 1st half in XXXX, 2nd half in upcoming XXXX ). Reaffirmed that my property was to be assessed as Vacant Land until XXXX tax year.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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My mortgage company is Amerihome. On XX/XX/2021 a refund from escrow overage was issued in the amount of {$1500.00}. I have not received it. I have called many times to Amerihome about this with most unhelpful agents.
2 weeks after it was issued I contacted them to say I have not received it. Was only told a " work order '' would be issued to research and stop the 1st check and send another one. I was also told that work order would be completed on XX/XX/XXXX.
TodaXX/XX/2021 I called to get an update on the status and what a new check number would be and when it was sent. The CS rep said she would make a work order to research this issue and it would take another 7-10 business days. I explained this was already done and I would need to see a resolution and information on a new check issued. That was met with total resistance.
They can not tell me the status of the original check # XXXX if it has been stopped which the work order was supposed to have done or so I have been led to believe, has it been cashed has it even been mailed?
They have provided nothing but terrible non helpful customer service in helping resolve this. I am wanting my refund. It is a lot of money to this retired person. I have also started a search with the usps but to date they have not found anything.
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| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently refinanced my home due to the drop in interest rates. On XX/XX/XXXX I made my first electronic payment in full via my online banking portal. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I contacted AmeriHome because my payment was not posted on the online portal for AmeriHome. AmeriHome said my payment was not received. On XX/XX/XXXX I faxed proof of payment from my bank. On XX/XX/XXXX my payment was still not posted. AmeriHome stated that proof of payment was received on XX/XX/XXXX and would take 10-14 business days to reflect online ; however, on XX/XX/XXXX my payment was still not posted and AmeriHome now states that they do not have proof of payment. I refaxed proof of payment and contacted AmeriHome with my loan officer. AmeriHome stated they are working on locating payment and will update me daily. On XX/XX/XXXX I have not received a phone call ; no response ; no update ; payment still not posted. I have called and called ; I have completed a live chat ; I have sent messages via the online message system. I have been hung up on by numerous representatives. I have been told that " it is not that big of a deal '' by representatives. I have been on hold for over an hour. I do not know what else to do to get my payment posted and not reflect my credit score.
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| 04/20/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was laid off XXXX due to Covid-19 and applied for forbearance with Amerihome Mortgage / XXXX. I was forced to make the XX/XX/2020 payment, and they started my forbearance in XX/XX/2020. This is using my first month of forbearance and they refuse to correct the start date to XX/XX/2020. They have stated that I am past 12 months of forbearance and that is more than they typically offer. They are blatantly trying to ignore the Covid-19 mortgage assistance coverage provided by the Cares act and all other federally mandated extensions. They call multiple times per day and start each call by intimidating you with " we are attempting to collect a debt, you are past due {$110000.00}. Would you like to make a payment? ' completely ignoring that you are in forbearance until you remind them. This is abusive, misleading and harassment to be subject to these calls and omissions of pertinent facts. The waiver to use the website is insane. I don't think I should have to give up my rights to anything just to view my loan documents or forms. After the 4th call I spoke with XXXX in customer service - call letters XXXX- who was the most helpful person, answered all my questions, got me the info I needed and set up a supervisor call back to resolve the issue that was not in her department.
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| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome serviced my mortgage but we refinanced with a new company. Our mortgage with Amerihome was paid in full and closed on XX/XX/2021. They claim, with no documentation, that they mailed our escrow refund on XX/XX/XXXX. We have yet to receive it some almost three weeks later. I called to ask that the check be stopped and reissued and mailed via fed ex. Was told by two different agents that they had to wait 14 business days before they can stop. 14 business days from the XXXX would be this Thursday the XXXX due to XXXX XXXX holiday. I called today to request the check be XXXX and was told it is now 30 business days from the XXXX before they can stop, reissue and mail. They also will not use XXXX XXXX or wire the money but will use Usps, the alleged organization they used to send the first one. So now it won't be until. XX/XX/XXXX until they address this issue. This is not acceptable. Their agents are rude, give different answers to the same question and are holding my money hostage. There are multiple XXXX complaints with the same issue. If I was ever late making my mortgage payment to them ( I never was ) rest assured they would have hit me with late fees like crazy. Yet when it's my money they are allowed to hold it and make interest from it. I want my money now!
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| 10/13/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/2021, I paid my last VA loan mortgage payment and sold my house on XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted Amerihome on XX/XX/XXXX, in which the Agent stated it was applied and they can see that the mortgage was paid in full. I requested my escrow refund ( {$4100.00} ) to come to the home I'm staying at XXXX XXXX XXXX, XXXX TX XXXX- I never got it. I was told may take up to 14 days, so I called again on XX/XX/XXXX ; the Agent said it may be lost in the mail or take up to 30 days to arrive at my new home with my mail being that it was re-routed to Texas. I waited again until XXXX and nothing came. I called again on XX/XX/2021, to find out why my check never made it to my XXXX address and was told by the Agent that the address on file was still saved to the address where I sold the house ( XXXX XXXX XXXX ) I then told her to update my address to XXXX XXXX XXXX, XXXX, TX and she said that she would cut me a check and it would arrive with 7-10 business days. XX/XX/XXXX, I received an update on the address change confirmation letter but NO Refund check. On XX/XX/XXXX, I called Amerihome and spoke to an agent who stated that it would up to 14 days to look at my case from the date I called. I feel Im just getting the run-around to not give me a refund. Help!
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| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage company AmeriHome Mortgage XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report AmeriHome was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status.
Its my suspicion this company is performing this unfair practice.
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
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| 07/16/2018 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.
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| 06/24/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I had make my full mortgage payment in of {$1000.00} in two separate transactions of {$670.00} and {$370.00} from two different banking accounts. My mortgage servicing company Amerihome mortgage returned my payment of {$370.00} and said they will not accept a short payment. I made one payment for {$670.00} from one account on XXXX and a payment for {$370.00} from the other account on XXXX to meet my mortgage payment amount of {$1000.00}. Amerihome mortgage returned my payment of {$370.00} on XXXX. I resubmitted my payment for {$370.00} on XXXX and the Amerihome customer service representative. I am XXXX XXXX in the military and was unable to call due to being out of the country until Sunday, XXXX. I have discussed the situation with Amerihome Supervisor and all of my payments have been returned. Amerihome mortgage 's formal or informal policy is that they will not process payments in two separate transactions. I am unaware if I signed an agreement that states that I can not meet my monthly mortgage payment obligation in two separate transactions. I am sure that I am not the only mortgage customer in this situation attempting to meet my payment obligation and my payments being returned by the mortgage servicer because it is inconvenient for their accounting systems.
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| 12/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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AmeriHome Mortgage transferred my mortgage loan to XXXX XXXX in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting.
When I tried to make my XX/XX/2019 payment in late XX/XX/2019. AmeriHome told me that my loan was transferred and to call XXXX XXXX.
I called XXXX XXXX but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX and I was finally able to make my XX/XX/2019 payment.
However, AmeriHome reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer.
My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.
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| 11/10/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/2020 I asked for a forbearance on my mortgage with Amerihome loan company. During this time I worked diligently to work with Amerihome 's Loan Mitigation, Due to being released from military duty for an injury. I sent them all the information they required for a loan modification, bank statements, XXXX payments, letters of medical XXXX etc. I emailed them these documents around XXXX /XXXX time frame. I waited to hear a response and during this time I received letters telling me how much I owed and items that were " supposedly missing '', even though I had the documentation to prove that I sent them everything they needed. I was then notified on XX/XX/XXXX that I was denied a modification due to missing documents and expired information. I called the company and received no help. I then had to restart the process and I faxed them the documents that was needed as well and emailed them the documents. I have now received letters telling me that I will have my credit reported on since I am behind on my mortgage. Amerihome seems to not know what they are doing and the underwriting does not inform collections about accounts that are being reviewed. please help. I am a veteran who has been told that all of this is my fault and I should have planned better.
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| 06/29/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am in the process of refinancing my current home loan that I have with AmeriHome mortgage but I am refinancing with another company because AmeriHome mortgage turned me down for a refinance. I have called AmeriHome Mortgage requesting documents needed so I can send them to the mortgage company I am trying to refinance with but after many calls and them telling me that my request has been submitted and it will take 24 to 48 hours. It has been over a month since I requested the documents and I still havent received them. I gave them a fax number to send them I asked them to send it to my portal and also mail them to me but seems like they are refusing it send it. The documents I am requesting are the partial claim agreement papers they had me to sign when I went into forbearance during the pandemic. I told them this is needed in order to refinance my loan. They had their chance to refinance me but turned me down due to credit so I went to another company who said they would refinance my loan. I think its really unfair that they are doing this cause they have already increased my mortgage payment from {$1200.00} a month to {$1300.00} a month saying something about a shortage. I cant keep paying this so Im trying to take advantage of the low interest rates.
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| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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I have a mortgage with AmeriHome Mortgage since XX/XX/. I have been unable to make any mortgage payments online since I started a loan with this company due to an error on their website that prevents me from making a payment. I called the company the day I had to make my first payment and asked to have the issue resolved. Their response was that the error I receive every time I try to make a payment online is due to their systems not accepting long names like mine, which falls into discrimination. It is absolutely unacceptable that this company uses outdated system and practices to keep me from making mortgage payments online on time. It has been 5 months as of today and the issue persists. I am required to use one of the alternate solutions this company gives me to pay for my monthly mortgage, which are ineffective and inconvenient, and defeat the purpose of having a website to make payments in the first place. By having a system that intentionally prevents customers with long names to make payments online, this company is engaging in discrimination. ( Attached is a screenshot of the error I receive every time I try to make a payment from their website, which is preventing me from making such payment. My name is prepopulated so I can't change it. )
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| 06/21/2023 |
Yes |
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- Trouble during payment process
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Web |
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In XXXX XXXX I visited my local tax office to submit a request to have my primary residential tax rate reduced from 6 % to 4 %. My request was approved and I was told that a refund check would be issued.
In XX/XX/2023, my mortgage company notified me that there was/is a shortage in my escrow account and that my new monthly mortgage payment would be increasing by roughly $ XXXX. That immediately caught my attention.
I contacted the local tax office to confirm the approval of my property assessment request and asked for a copy of approval that I could share with my mortgage company. The tax office confirmed that a refund check had been sent to my mortgage company in XX/XX/2023. My mortgage company is claiming that they never received the refund check but opened a case to look into my account. Before the end of the " grace period '' for my payment, I sent them a message asking for help as I did not want to pay the incorrect amount or be hit with a late penalty fee while they were reviewing my account.
I just received a message this morning stating that I still have to pay the incorrect amount, would have to pay the late fee and if my payment was not received, my account would be reported to a credit bureau and reflect negatively on my report.
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| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a follow up to Complaint # XXXX which was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
I refinanced my loan and the balance with Amerihome was paid in full on XX/XX/XXXX. An escrow refund in the amount of {$4700.00} was owed to me at this time.
After months of nearly weekly calls with customer service consisting of conflicting information and no resolution, I mailed a notification of error to Amerihome on XX/XX/XXXX. It was received at Amerihome 's XXXX XXXX XXXX XX/XX/XXXX. I never received a response to this notification of error.
On XX/XX/XXXX, I placed my initial complaint with CFPB, Complaint # XXXX.
On XX/XX/XXXX, I received check # XXXX from Amerihome that was dated XX/XX/XXXX, but postmarked XX/XX/XXXX.
On XX/XX/XXXX, I signed and deposited this check with my financial institution, XXXX XXXX XXXX.
On XX/XX/XXXX, I was informed by XXXX of a stop payment placed on check # XXXX, the balance with immediately rescinded from my account, and a stop payment fee was charged to me.
On XX/XX/XXXX, Amerihome responded to my initial CFPB complaint referencing check # XXXX.
As of today 's date, XX/XX/XXXX, I have not received any funds from Amerihome for the escrow refund associated with Loan # XXXX in the amount of {$4700.00}.
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| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX my previous complaint was closed. However, Amerihome has NOT resolved my problem. Amerihome is responible for transferring mortgage payments, that they received back in XXXX, to my new mortgagor XXXX XXXX and they have NOT transferred the payment to date.
On XX/XX/XXXX, my loan was transferred to XXXX XXXX. The following payments were sent to Amerihome and have not been accounted for : Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Diligently, these payments should have been transferred to XXXX XXXX and applied accordingly. However, there is no trace of the payment being forwarded to XXXX XXXX. I have made numerous phone calls to the Resolutions Dept and have been unsuccessful in finding any resolve. This issue has been ongoing since XX/XX/2022.
Amerihome replied to my previous complaint on XX/XX/XXXX stating they were " in the process '' of wiring those payments to Regions. TO DATE THOSE PAYMENTS HAVE NOT YET BEEN RECEIVED! PLEASE RESOLVE MY PROBLEM BEFORE YOU CLOSE MY COMPLAINT.
This is unacceptable and Amerihome needs to be held accountable for mishandling my payments.
I insist that someone from your Corporate Office contacts me regarding this serious matter.
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| 11/23/2022 |
Yes |
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- Trouble during payment process
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Web |
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I paid amerihome on the XXXX of XXXX, it didn't reflect until the XXXX, there were back and fourth of them reversing my payment and me sending it back to them, although they finally received my payment, They double pulled from my account on the XXXX of XXXX but had no record of pulling from my account on the XXXX even though I showed them the activity and explained that they left me in the negative, ( issue is under dispute with the credit bureau and my bank, my bank also admitted they pulled twice ) after this occurred the same issue repeated on the XXXX of XXXX and now I'm in the negative again. I paid them on the XXXX of XXXX, they were closed for the holiday, when they opened they processed my payment and sent me back the money, that time I explained the issue with a agent again and then processed the payment with the agent, even though I processed the XXXX payment with the agent. Although I have confirmations of each payment, they still double pulled from my account. The agent my sister ( who is the co signer ) spoke to didn't understand the situation. She tried to claim that the payment I didn't submit nor was it on auto pay, that it was for the month of XXXX, I did not give them permission to pull from my account for the month of XXXX.
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| 05/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Issue is with payment to Amerihome Mortgage.
We attempted to make a direct bank payment via their web site from an account with well more than sufficient money to make the payment. We received an email saying we had paid, on time, for XXXX. A month later we began receiving mail about a missed payment.
The payment had apparently been reversed a week after it had been submitted. Multiple contacts were made to the company, hours on the phone, nobody could tell us what had gone wrong or how to correct it. Their only advice was " try it again ''. The third time, it just worked, and nobody could explain why.
The next month it happened again. This time we tried two different bank accounts. Same issue - the web site/email said the payment went through, and it was " reversed '' to no explanation 10 days later. It seems clear there was a technical issue with their web site - these issues began after they made major updates to it.
We then tried sending a paper check. We were told over the phone that we weren't allowed to send paper checks because of multiple reversed payments, and now had to mail money orders.
We have the money to pay, and we are potentially going to have damaged credit despite that because their web site has technical issues.
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| 01/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We recently refinanced our home with our local Bank XX/XX/XXXX XXXX. They sold our note to AmeriHome Mortgage, XXXX. XXXX XXXX, XXXX, NJ XXXX.
I have repeatedly tried to get logged into my account to make payments and set up auto pay and have yet to be able to do so. Part of the problem is that there is conflicting information as to who is actually receiving the payments. There is some association with a company named XXXX and there are two different websites that are very confusing. Every time I try to enter or register the sites say they can't find our information. I have had to call and sit on hold during my work hours for extended periods of time and still haven't had my problem resolved. I end up making a payment by phone, which usually involves additional fees, but when I complain profusely they waive the phone fee. I want to get this account set up on auto pay, because I don't want to incur late fees or miss a payment and it seems like the company is doing nothing to fix the problems so that I can get this done.
I would like the mortgage holder to give me a clear explanation of who actually holds the note, and get my account set up to be paid online without confusion as to who is receiving the payments.
Thank you for your help!
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| 07/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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My monthly mortgage is {$1000.00} due on the first of each month. The loan is an FHA loan serviced through Amerihome Mortgage. We have been unable to pay the mortgage payment that was due XXXX due to financial hardships related to COVID 19. I did research on the HUD website and found that forbearance options are available to everyone who is experiencing a hardship if they have a federally backed loan up to 180 days through the CARES Act. I called Amerihome yesterday afternoon and was told that my husband and I would not quality for this federal government assistance because we are currently in a chapter XXXX bankruptcy repayment plan. I have done a lot of research and have not found any information that states that this would disqualify us for the forbearance assistance. I was told by the person on the phone that I don't need to worry and that I should just let my mortgage get even further behind if I need to because they are not aggressively pursuing foreclosures. I do not want to do that. I want to get help now before things escalate further, and I believe it is our right to get his assistance. Please help me. This seems so wrong and I feel targeted because I am trying to do the right things with my finances during this challenging time.
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| 03/24/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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AmeriHome Mortgage Company, instead of sending one monthly bill on a set schedule, sends out a new bill every time you make a payment. When a lender sends me a bill, I pay it. As such, I have made 31 payments to AmeriHome Mortgage in the last 25 months ( 6 extra payments to this company ). In both XXXX and XXXX XXXX, I made 2 payments each month. I made 3 payments in XXXX XXXX, 2 payments in XX/XX/XXXX, 2 payments in XX/XX/XXXX and again in XXXX XXXX. I have made 2 payments in XX/XX/XXXX. As a consumer, I should be able to expect to receive one bill each month on a set schedule. I received a statement date of XX/XX/XXXX, with the payment due XX/XX/XXXX. It stands to reason that the statement date of XX/XX/XXXX should have a payment due date of XX/XX/XXXX. No, they put the payment due date as XX/XX/XXXX in both XXXX and XXXX, giving me a 2-day window to pay the XX/XX/XXXX statement ( thank God it's leap year, so I got that one extra day ). They charged a {$38.00} late fee, although they're payment system makes no logical sense and I'm 6 payments ahead of schedule. I believe AmeriHome Mortgage should send consumers one bill per month on a set schedule. Again, I have made 31 payments in 25 months, based upon their wacky billing system.
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| 11/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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Amerihome mortgage services my mortgage that originated in XX/XX/XXXX. I have made multiple attempts to connect with their customer service team regarding various matters. The most recent incident ( XX/XX/XXXX ) was after I received an escrow analysis and I wanted to speak with a representative to determine if the additional amount due would automatically be added to my bi-weekly withdraw I have set up from my checking account. The representative told me to do this myself on their online portal. After I explained to her that it directed me to contact customer service, she hung up on me. After calling back and being on hold for 23 minutes, I finally received another representative who I explained my situation to however, he wasn't able to give me a direct answer and wasn't sure if my automatic withdraw amount would change or not. He advised me to wait until XX/XX/XXXX ... I am now attempting to call back today ( XX/XX/XXXX ) as I received an email stating that my automatic withdraw would occur on XX/XX/XXXX and I need to determine why this was sent as I am on biweekly withdraw and my next payment shouldn't be withdrawn until XX/XX/XXXX. Looking at my wait time, I am currently on hold and waiting for a representative for 33 minutes.
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| 12/10/2019 |
Yes |
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- Trouble during payment process
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Web |
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Amerihome received my XXXX mortgage. I have confirmation and receipts from both Amerihome and XXXX XXXX, who I bank with. My next mortgage payment was due XX/XX/XXXX. No late charges should be assessed as today is XX/XX/XXXX. According to Amerihome 's policy that is all over their website ... .payments received more than 16 days after the payment due date may require a late charge of {$36.00}. However, agai, the date today is XX/XX/XXXX, today so we are still not at the point to be assessed a late fee. Furthermore, when we logged in to pay XXXX 's mortgage, we see that Amerihome has charged us again for XXXX 's mortgage despite the fact that they received XXXX 's mortgage IN FULL. Repeated contact to the company to correct the issue has yielded no results. We will be moving forward with issuing formal complaints and investigations with this company.We want immediate correction of this issue right away.
Now, we got a loan document talking about foreclosure when we are not delinquent on any payments. As of XX/XX/XXXX, we owe one payment XXXXfor XXXX only*.
In conclusion, we have issued statements from XXXX XXXX confirming every single month we have paid Amerihome. There are confirmations of receipt also on Amerihone 's website.
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| 09/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information.
I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit.
Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.
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| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Due to impacts from COVID19 I took advantage of a forbearance opportunity with my primary home mortgage company : Amerihome. I have been trying to get off of forebearance for a month now, so the mortgage can be refinanced through a different provider. Amerihome has delayed providing me the necessary support to accomplish this ask resulting in multiple follow-up phone calls to them daily and sometimes twice daily. There is no opportunity to address my concerns with a supervisor unless I wait 48 hours. Representatives promise actions and fail to take them. Most recently Ms XXXX ID # XXXX explicitly statued that she would submit a request for a deferral on my unpaid ( forbearance ) balance - I was promised a phone call with confirmation - which was not received. called back today and spoke to another women who confirmed the Deferment as never submitted by Ms. XXXX - thus loosing another 2 days in my attempt to move forward with re-fi. I am at risk now of losing my locked rate because it has been over 10 days and to date I have not been able to obtain a letter from Amerihome that indicates my forbearance is over. If rates go up, this could mean thousands of dollars to me and my family. Please call me to discuss XXXX XXXX XXXX
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| 06/30/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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In XXXX of XXXX I lost my husband to XXXX XXXX XXXX. I was very overwhelmed not only by losing my husband but also by switching his military retirement and social security income over to me as a surviving spouse. I utilized the forbearance plan to try to get everything together and have a break from mortgage payments. I was informed that my forbearance was ending and I called Amerihome to explain my situation. I was told that due to the passing of my husband a form would be sent to the VA requesting an extension on my forbearance. I was also told that an extension would be 3 months. I went back to getting everything settled. I then asked for a partial claim from my lender and was told I was denied because it had been too long since my forbearance ended. I then spoke to a foreclosure attorney who agreed to help me. On XX/XX/XXXX they sent a letter to my lender and never received a response. Phone calls were made to my lender requesting a response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The refused to answer the letter. At this point, we are sending in the letter requesting research that was sent to my lender. They have not responded.
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| 12/21/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage.
The shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less.
Instead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow.
Now my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month.
I was told because they paid the second insurance for the year also.
The first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months.
The AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.
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| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.
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| 05/02/2017 |
Yes |
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- Trouble during payment process
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Web |
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I contacted my servicer because my takes have gone down by XXXX since closing on the home over a year ago. This reduction should have had an immediate effect on my mortgage payment. My servicer is still continuing to charge me for a taxes at the old rate, which is almost two y ears old.My servicer has refused to make adjustments and apply the excess amount that is in my escrow account to my principal. I have been promised this would be handled and they have refused to make adjustments. I have emailed back and forth with customer service to no avail.If my mortgage servicer is completing an escrow analysis as promised then they would have noticed there is a surplus in my account. This refusal is horrible and I need assistance. It appears the only way to reduce this is to refinance the mortgage and I will not do that. My servicer needs to be held responsible for this undue stress. This undue stress has caused me to be late on my mortgage payment and incur unnecessary late fees. All while my servicer sits with excess money in my escrow account.My hours have been cut over 7 months ago and I still make my mortgage payments. I expect them to do their job correctly. Just as they expect to receive mortgage payments
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| 08/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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They never responded to my emails, they are still charging me PMI even though I have LTV of 44 %. They have no customer service!!
The " service '' is absolutely unacceptable. Quite possibly the worst service I have ever experienced. I have received different answers from every representative I have spoken with, after being on the phone for over 30 minutes of course, with no progress towards my problem ( on multiple occasions ). The need to have to constantly call back for the same problems over and over again because of internal mistakes and incompetence is at a level the likes of which I have never experienced in another business. In other words, there is clearly no training, no quality assurance, and absolutely nothing being done about the horrendous service. Judging by the other reviews, multitude of complaints, and my over one year of painful experience with this company, I would say it is a chronic issue with little to no improvement. To say I am displeased with my loan having been sold to this company for service is an extreme understatement.
Would not recommend and wish we could move to another company. Have worked with quite a few mortgage companies over the years and never had trouble like this.
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| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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Hello, This complaint is in regards to the late payment reporting on my credit report on XX/XX/2022. I would like to let you know that during the timeframe of the late payment having happened, I was diagnosed with XXXX and got very sick. As a result, I was unable to attend work for close to a month and I had to call creditor 's to make adjustments for the time being. My niece had made phone calls to my credit cards to let them know about the situation and how because of my illness and hospital visit, I would be unable to make this month 's payment on time. AmeriHome Mortgage WAS notified during this timeframe. I believe that by SEC. 4021 Credit Protection During Covid-19, I am protected from negative information being reported on my credit report for THIS SPECIFIC incident. I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I unfortunately fell ill during this time and was unable to make one payment on time. There was a lot going on that I had to deal with. I hope your company is able to help me move past this tough period in my life and continue doing business with me long term. Thank you for your help.
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| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I had a fire in XXXX 2016. The insurance made an insufficient payment of XXXX. I was forced to sue the insurer while the home sat damaged. I secured XXXX after suing the insurer. Only XXXX was released despite having evidence the home was 50 % complete. After fighting with the AmeriHome Mortgage third party loss draft service XXXX more was released. This check was issued to me but my name was misspelled. AmeriHome Mortgage would not accept the check at its clearing house after my bank took the check and gave me full credit for it. Once I made the deposit my bank manager confirmed funds with the mortgage clearing house but when the check arrived they refused allow the transaction to be completed. Since then my mortgage continues to address the problem and make appropriate steps to get me repair funds. This act caused me to breach contracts with trades men, workers and subcontractors. It also cause my bank to cease all available funds that were not repair related. Having spent repair money fixing the home now my account is also overdrawn. I also have been forced to rent a house and I am paying for it from my own funds while my home is unlivable. This process has also delayed the repair completion time.
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| 09/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Hello, First, thank you for your help in this matter.
I continuously have problems with my lender ( Amerihome Mortgage ). My mortgage was sold to them, without any input from me, by XXXX XXXX XXXX in XX/XX/2019. I've filed two other complaints with the XXXX.
Who regulates this company?
How am I powerless to choose my mortgage company?
I've also written complaints via online review sites such as XXXX. ( Along with hundreds of other unhappy customers. ) Some issues of late are : - a website that doesn't work ( I get error messages when clicking on any menu ) - reps who regularly hang up on me - payment systems that also do not work ( which seems to be a link to another site? ) - long hold times - an insecure website that does not have a proper SSL certificate - no mobile app - slow, clunk interfaces on all digital formats - reps always say " we are having a problem with our system right now '' EVERY TIME I CALL!!
This is completely unacceptable. I do not want to have a mortgage with this company. What can I do to end my relationship with them? How is this legal.
I plan to contact my State representative regarding this matter, as I suspect CFPB is also toothless to get this company to improve.
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| 07/12/2022 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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This complaint is a continuation of complaint XXXX filed last Fall of 2021. Since this time I was contacted by the loan servicer, and they had me fill out a loan modification document. I submitted the documentation, and 3 months later the company processed my documents and informed me I had a lien on my property. I was 100 % unaware of this lien, and upon finding out it turns out the lien was issued in error. I sent documentation to the company appointed point of contact, and followed up with her multiple times over a 4 month period. I have not heard back from this person since probably XXXX at this point. Since this point I've received multiple calls from Amerihome saying they have no record of my loan modification application, and have not received an update on the documentation I've provided. This situation is causing me all sorts of XXXX because I've done everything I was asked, and can not get a straight response from Amerihome. Additionally, all of their agents are extremely rude and unhelpful. Why can they not find my submitted modification? Why can no one tell me the status of the documentation I submitted? I would like my previous application reinstated and this matter to be closed ASAP.
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| 10/22/2022 |
Yes |
|
- Trouble during payment process
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|
Web |
|
|
Amerihome mortgage company LLC is my mortgage company. In mid of XXXX of 2022 they informed me, of increase of taxes and Insurance, and therefore, there were a shortage needed to be paid before the end of XXXX. I was informed that my shortage is XXXX total.
In XX/XX/XXXX of 2022 I made a payment by phone fully to cover the XXXX shortage as they requested.
IN XX/XX/XXXX, XXXX and XXXX, I called to follow on my Escrow, the customer service agents informed me different statements. one said there still shortage of less than XXXX and other stated there is hundreds, so Confusion occurred, and therefore a suggestion from another agent to wait till the numbers adds up next month, and maybe look for different Insurance company or to work in reducing my Insurance policy in order to see a difference in my monthly payment.
I decided to reduce my home insurance and requested to be sent to my Amerihome and they did. the reduction didnt make any huge difference.
I was told my monthly payment will increase no matter what.
I'm confused and stressed about the outcome of my communication with Amerihome and it seems no way to avoid the shortage and pay it off fully due to accuracy of information provided.
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We purchased a new home in XX/XX/XXXX moving to a new state ( SC ). Property taxes were determined at a high non-resident rate ( 6 % ) or ~ {$4200.00}. Application submitted and approved XXXX XXXX shortly after for resident status and a much lower resident tax rate ( 4 % ) or ~ {$1800.00}. Request submitted to XXXX for a change in property taxes being escrowed in XX/XX/XXXX. They are escrowing ~ {$350.00} per month in taxes when it should be ~ {$150.00} and we are owed a refund for all the months since XX/XX/XXXX that we have overpaid. It is now XX/XX/XXXX and no resolution has been made. I have called XXXX a dozen times with all sorts of assurances this would be completed. Each time I called they said it is going to be another XXXX days for a response. They keep opening and closing work orders for this request with no update to provide when I call on. It is now XXXX months later after a XXXX phone calls, emails, chats on their website, and patiently waiting. The latest work order was supposed to be completed on XXXX, now another work order is open for a XXXX completion date. XXXX has dropped the ball repeatedly over these XXXX months. A resolution is needed ASAP. Can we change loan servicers?
|
| 08/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Yesterday XXXX XXXX 2021 i received a letter notifying me that AmeriHome Mortgage in XXXX NJ will no longer be my servicer and will be transferring my mortgage to XXXX XXXX of XXXX. XXXX NJ. Not a big deal since it is a common practice. I've only had my mortgage for 1 year and have already been transferred now 3 times. Again not a big deal. My issue happened today XX/XX/2021 when i discovered, I'm speaking to XXXX Mortgage to get details of the transfer and find out the person " XXXX '' I'm speaking to and giving personal data to " verify my identity and loan '' is in XXXX. Someone across the world giving me a fake name, not licensed in any state of the US has all my data now, including but not limited to things like name, address, dob, social security and mother 's maiden name, loan number, balance etc.
I called Amerihome and they said nothing could be done. I could pay them to refinance the loan and hope that it stays in house or gets transferred to another company in a year that is US based.
This practice needs to be looked at and consumers need protection of private information. This outsourcing can't be safe and there is no recourse if they abuse private information.
PLEASE HELP.
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Starting with our XXXX loan payment to Amerihome Mortgage Co. Thru automated bill pay service with XXXX XXXX our payments were not being applied to our Loan. Payments for XXXX, XXXX and XXXX were sent but not applied. XXXX payment was withdrawn from our checking account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX, XXXX payment on XX/XX/XXXX. After many conversations with Amerihome personnel it was determined that we had the wrong loan number on the automated draft being sent from XXXX XXXX to Amerihome. This is a seasoned loan and Amerihome had accepted and applied all payments in XXXX using the incorrect loan number. At no point were we informed that the loan number was incorrect. Amerihome reported to XXXX that the loan was delinquent thus lowering my credit score by approximately 50 points. I find the Amerihome personnel totally indifferent to this problem, generally the individual 's that we talked with were pretty much uninformed regarding how to research this problem. In my opinion this problem should have been resolved within a XXXX hour period but took us talking with Amerihome from XXXX thru XXXX. This company is just unprepared to accurately diagnosis even the simplest situation.
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
First, my issue is not covered in the above selections.
I'm attempting to get my overpaid property taxes back from my recent mortgage refinance. Amerihome paid my property taxes to XXXX XXXX, after I asked them not to, and AFTER I had already refinanced with another company ( XXXX XXXX ).
My double payment was required at closing, even though I had paid my property taxes to Amerihome ( {$1300.00} ).
It has now been 49 days since this double payment was made. I communicated with Amerihome, but they intentionally prolonged me receiving funds simply because they can. There is no recourse for their actions.
XXXX XXXX refunded my double payment to Amerihome back on XX/XX/XXXX. They have kept my money for 40-45 days and have made no effort to contact me via email, phone, or mail.
They also paid my escrow late and were dinged {$49.00} ... which I'm sure I paid somehow.
Now they say it will be another 10-14 days of processing ... in addition to mail time. So, another 14-21 days. This is criminal. How are they allowed to do this? To keep my {$1400.00} for 2
-3 months and pay it back whenever they choose.
If their customer is one day late their credit is dinged and late fees are assessed.
|
| 11/15/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I initially had a mortgage open with AmeriHome Mrtg. At the beginning of my home purchase in XXXX. As of XXXX XXXX my account was transferred to XXXX / XXXX servicer and AmeriHome mortgage was dropped off my credit report. As of a couple months ago AmeriHome mortgage has reappeared on my credit report now making it seem as if I have two mortgages open although I have not been with them nor made a payment to them since XXXX of XXXX. I only have one single family Home and one mortgage. AmeriHome mortgage should not be reporting on my credit. I have been dealing with them all morning today XXXX XXXX and it seems theyre giving me the run around on getting in contact with their claims/ dispute department. Ive tried faxing the claim over and it was unsuccessful, I tried opening the claim online as directed yet Im unable to login although I reset my password and login credentials. Ive called all morning and am being told different directions each time. I tried emailing them directly and as they were going to give me the email The phone call got disconnected. Im just looking to get them to stop reporting to my credit report since Im no longer with them and its inaccurate and effecting my credit.
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| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have tried to get a hold of an agent at my mortgage company, Amerihome Mortgage for the past two days, having made over 10 calls and waited on hold for over 3 hours collectively without being able to speak with one of their representatives.
All I needed to do is update my bank account on autopay because my old account is no longer active and my payments keep getting rejected. I called in XXXX to add the new account and remove the old bank account, which still hasn't been done. As a result, my last two payments have been late and I've been incurring late fees because the system won't stop drawing from my old bank account. I even tried to do this online through their website, and the system showed an error and directed me to call in instead, so the issue is still unresolved months later.
Needless to say, I am absolutely furious about this experience. I've been doing all I can to be make my payments on time, even setting it up automatically, yet I am still having issues and getting assessed late fees due to no fault of my own. The fact it is so difficult to speak with someone to resolve the issue is baffling and something needs to be done about this company 's lack of customer service.
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| 10/14/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have called Amerihome at least 15 times over the span of XX/XX/XXXX - XX/XX/XXXX to receive my escrow refund for school taxes in the amount of {$3500.00}. I refinanced my mortgage with another company " XXXX XXXX '' and they collected my school taxes at closing and they were recently paid to the school tax collector. When I refinanced, Amerihome claims they sent my school taxes to the tax collector. I spoke with both the township tax collector and the school tax collector and they claim they never received my school taxes. The school tax collector also stated they would not accept early payment of taxes anyway and the money would be sent back. My escrow disbursement for school taxes occurred on XX/XX/XXXX and Amerihome will not provide me with any additional information on where they sent the taxes other than claiming it was sent to the school tax collector. Clearly, they did not send the monies to the proper party or they still have the funds. Amerihome has to be the most incompentent company I have ever dealt with in my life. Every time I call I get a different answer from a representative and they refuse to put me in contact with a supervisor to attempt to resolve the situation.
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| 11/01/2019 |
Yes |
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- Trouble during payment process
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Web |
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I'm a new homeowner since XX/XX/XXXX and have been making on time payments every month-for 14 months, I was finally feeling financially confident to raise the minimum monthly payment so went online to do that- turns out I assigned a second one-time payment for the XX/XX/XXXX mortgage ON TOP of the automatic payment I thought was adjusted. So within the same week I had a deduction of {$600.00} on XX/XX/XXXX and another deduction of {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I realized the second payment was coming out of my account- so I called AmeriHome mortgage and even talked to a supervisor about this mistake. They tell me because I made the error I won't be getting a refund and it's too late to stop the payment ( you can only stop it 3 days prior to the deduction date ) I'm furious that a simple mistake on their complicated website created this issue and now I'm unable to pay my other bills- which will decrease my credit score and basically make me regret this extra error way more than is necessary. I'm looking for another company to refianance because no way will I allow Amerihome to do this to me again! they've lost a 30 year contract because of their inability to see commonsense
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| 12/16/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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To whom it may concern : Please be understanding as to why I am writing this complaint relevant to Amerihome Mortgage. I applied on XX/XX/2019 for a loan modification for XXXX XXXX XXXX XXXX XXXX IL XXXX. My name is XXXX XXXX XXXX. I complied with every document they have requested they are stalling in allowing me an answer. My daughter and her XXXX minor children are living with me and my husband. Daughter XXXX XXXX has a XXXX XXXX XXXX and a XXXX XXXX XXXX before she could be on the XXXX XXXX list she had to be in a stabled home after she lived with me I requested for a modification. I also applied for Chapter XXXX to save the house from being in foreclosure I can not afford XXXX a month along with the up keep of the property. The property has needs in order to live there I am asking for someone to question Amerihome and let me know whats keeping and taking so long each week they are requesting the same information over and over again. Please help me I do not want to lose my property. I am complaining on how this problem is being handled also my husband have a history of 5 people XXXX. I need this modification please help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
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| 08/30/2020 |
Yes |
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- Trouble during payment process
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Web |
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I have paid {$15.00} more a month on my mortgage payment since day 1. They can not tell me what happened to the extra money yet they claim im behind. Now Amerihome is saying i haven't paid since XX/XX/2020. Meanwhile they sent me back a check for {$500.00} saying there was no account to credit it to. However they did receive my XXXX payment, for {$590.00}, which they applied for XXXX of 2020. Now while i have made all mortgage payments and can show proof and have shown proof but i did not submit the increase for two months which was {$89.00} per month. I did send on XX/XX/2020 a payment of {$200.00} to cover the difference and the late fees. However even though they have received proof from XXXX XXXX that all monies was sent they still say i owe them for 2 months. I have tried to work this out for about a month and a half now but they are threatening me with foreclosure.The supervisor Ms XXXX was supposed to call me and as of today i have heard nothing. I was told by Mr XXXX that he would remove the late fees and submit a request to have Amerihome investigate into the matter and remove their derogatory remark on my credit report to the credit bureau which damaged my credit.
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| 10/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed on my home at XXXX XXXX XXXX, XXXX XXXX, SC XXXX on XX/XX/XXXX. I am trying to figure out if my mortgage lender, Amerihome, approves home loans with inadequate insurance such as no water damage liability. In XX/XX/XXXX, the XXXX XXXX my realtor set me up with in XXXX changed my insurance from XXXX to Homeowners of XXXX and did not fully disclose there was limited water damage. My home recently had a severe water loss due to a pipe burst ( date of loss XX/XX/XXXXXXXX XXXX XXXX the Agent is saying I had zero water damage liability when I first bought my home and now I at least have some coverage. Only when the Agent said this did I discover that my first policy, the one that Amerihome approved my loan with, had zero water damage liability. It's hard for me to wrap my head around the fact that a mortgage lender, who owns more of my home than I do at this point, would allow the insurance to exclude water damage ( i.e. from burst pipes ) when they have so much vested in the asset.
When I called Amerihome about this, they would only say that the policies I had and now have met their standards and they refused to provide me with a copy of their " standards '' in writing.
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| 06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been working with Amerihome Mortgage company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XXXX 2017- XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on X/XX/2017 which was suppose to post on account by X/XX/17 ( which it has not ) and will begin making monthly payment on my behalf X/X/2017 ; my issue with Amerihome mortgage is that in XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XXXXXXXX 2017. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
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| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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|
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Web |
Servicemember |
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Good afternoon, Here is what happend. XXXX XXXX wired the funds in the amount of {$2700.00} to AmeriHome Mortgage Company. Once received by Amerihome, there was a payoff shortage caused by an overdraft in my escrow account due to a tax payment. Taxes were confirmed as paid so XXXX XXXX voided their tax check and sent a check for the shortage to Amerihome. However, Amerihome deposited the check and paid my loan in full.
XXXX XXXX then wired the shortage of funds to Amerihome. AmeriHome Rejected this wire as the loan was paid in full. The wire was sent two different times to AmeriHome both times being rejected since Amerihome was showing my loan was paid in full.
The overage of funds were wired to me on XXXX in the amount of {$2700.00} by XXXXXXXX XXXX since it was belived AmeriHome was paid in Full.
After this is when the check that was void by XXXX XXXX was rejected by Amerihome 's Bank leaving the balance owed to me. Now, I receive a letter last week from AmeriHome dated XX/XX/XXXX ( The only communication I have received from them ) sayingthat my loan is not paid in fulll and that I owe AmerHome {$2700.00}. by XX/XX/ or adverse credit reporting will be taken.
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| 06/17/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.
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| 06/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.
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| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I lost my job in XX/XX/XXXX due to Covid. My husband and I contacted Amerihome Mortgage to advise that we were unable to make payments on time but we were continuing to make payments in full on our mortgage. The only relief that was presented was a forbearance. We decided in XXXX to apply for the forbearance. Our account at that point was up to date. We were advised that the full late amount would be due at the end of XX/XX/XXXX. We decided to sell our home and paid in full for the debt secured by Amerihome prior to the due date. We noticed 90 days after delinquent payments and open account were still showing on our credit report. We contacted Amerihome on numerous occasions, emailed, and faxed our documents to their credit and satisfaction department with no help. To date, our credit report still show open and delinquent payments from XX/XX/XXXX-XX/XX/XXXXWe were on time on the mortgage payment in XX/XX/XXXX and the previous payments were made late but notified to our lender ( Amerihome ) prior to due to Covid ( loss of my job ). We are currently trying to purchase a new home and this is greatly affecting our credit and preapproval for a new home purchase.
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| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I recently became a customer with Amerihome mortgage company on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, Amerihome. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in amerihomes system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with Amerihome would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.
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| 12/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently refinanced my mortgage through XX/XX/XXXX.
The loan was serviced by " XX/XX/XXXX '' for about a month and has now been transferred to AmeriHome Mortgage.
I made my first mortgage payment due XX/XX/XXXX plus an additional {$900.00} principal payment to " XX/XX/XXXX '' on XX/XX/XXXX.
This payment is not currently reflected on my account balance with AmeriHome Mortgage. I have contacted AmeriHome Mortgage twice to inquire when the funds will be transferred from XX/XX/XXXX to AmeriHome Mortgage and reflected on my account.
They have not been able to answer this question. All they have said is that they will not report me as paying late for 60 days and the payment will be reflected when the funds are transferred.
In the meantime I have received two phone calls from AmeriHome Mortgage to discuss why my my first mortgage payment due XX/XX/XXXX is late.
I would like assistance in ensuring the funds are transferred and reflected on my account on the correct date.
In addition, when I first reached out to AmeriHome Mortgage I provided them with a copy of my statement from XX/XX/XXXX and my bank statement showing the missing mortgage payment.
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| 08/16/2020 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
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Amerihome Mortgage Co. I had an Forbearance agreement that started XXXX, XXXX, ended XX/XX/2020. I was told by mortgage representative that all late charges and reporting will be extinguished! My loan was NOT delinquent!! So, there should not have been any credit reporting made! My payments are due on XXXX of the month and after XXXX late charges will apply, that's on my payment statements. In XX/XX/2020, I was told by another bank that Amerihome mortgage reported me during the forbearance period for Late payments in XXXX and XX/XX/2020! I immediately called mortgage company and was told by a representative that they was sorry and will work to have it removed but will take 2 weeks? In XX/XX/2020, My credit score went from Excellent! to Fair? because of this reporting during hardship. I called mortgage company back in XXXX, No note was made on my account regarding the reporting retraction as promised? No one new anything about this problem! Now, Amerihome mortgage has made it difficult for me to make payments online!! This company dose NOT put the customer at the forefront? This is NOT an honest company! They use loans at the customers despair!
XXXX XXXX
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| 02/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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My mortgage processor allows one-time on-line mortgage payments. However, they do not allow you to enter the effective date of the payment. The effective date can only be the date that you enter the payment. For example, if I enter the one-time payment on the XXXX of the month, they will withdraw the payment on that date rather than the XXXX of the next month when my payment is due or any other date that I select.
I believe this is an unfair business practice because : ( 1 ) if you enter payment any day before the due date they are getting early payment, which is a financial advantage to them, ( 2 ) it increases the risk to the consumer that if you wait until the due date to enter the payment but forget and they reap the benefit of the late fees, ( 3 ) it unfairly incentivizes the consumer to sign up the for the automatic monthly payments so you can pay on the due date but not forget to pay.
Every other business where I use on-line payments has the feature that allows you to set the effective date of the payment ( e.g., credit cards, utility companies ). The mortgage processor is intentionally and unfairly implementing this to manipulate consumers.
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| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I submitted an application to Amerihome on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling Amerihome today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with Amerihome and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out.
Amerihome has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
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| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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On XX/XX/2020 I sent in a check for {$400.00} to cover a short fall in my escrow which was notified by my mortgage company to keep my mortgage payments down. They stayed at {$600.00} a month. In XX/XX/2020 I changed home insurance companies for a better rate and informed my mortgage company of this change. They in returned sent me a notification that I was short in my escrow and that I needed to send in short fall to cover my escrow. I sent in a check for {$1000.00} on XX/XX/2020. Then in XXXX I was notified that my monthly mortgage had gone up to {$670.00}. When I contacted the mortgage company they explained that I had a major shortfall in my escrow account. I asked where did my to checks go that I sent in for escrow? Upon examination it was found that the {$400.00} had gone to principle and interest and I am really not sure where the {$1000.00} check went. I have been in contact and written letters to this mortgage company with not a response from them. The latest episode is they said I had not paid my XXXX mortgage payment when my bank shows that on XX/XX/2020 The mortgage company had been paid the full amount. Please refer to my enclosed letters.
|
| 04/16/2020 |
Yes |
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- Trouble during payment process
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Web |
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This is a complaint regarding wire fraud and mail fraud on the part of the mortgage servicer Amerihome/XXXX. It is a complaint for wrongful foreclosure actions and false and defamatory credit reporting by Amerihome. It is also a complaint for failure to follow HUD guidance and provide the requested 12 months of forebearance that is provided under XX/XX/XXXX HUD Guidance HUD No. 20-048 on the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) which President Trump signed into law on XX/XX/XXXX.
Amerihome has failed to properly apply electronic payments to my account since XX/XX/XXXX Amerihome has failed to apply mailed payments to my account, including holding and not cashing more than {$5600.00} in payment checks.
Amerihome has failed to grant me one year of forebearance on principal and interest with the payments being added interest free to the end of the loan.
Amerihome has failed to correct the derogatory information they have reported about me.
Amerihome has failed to make restitution for wrongfully moving to foreclose.
Wire and mail fraud complaints have been filed with the appropriate agencies in addition to this complaint.
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| 08/05/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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Hi I have an XXXX backed mortgage that is held by Amerihome Mortgage Company and I am having a horrible time trying to restart my mortgage via the partial claim option.
This process has been ongoing and opaque since XX/XX/2021 when I have been actively trying to understand my options and pursue the best one.
I was initially forced into a partial claim with no explanation or options or info given, but I wanted to be considered for the recovery option, by the time They did in XXXX the interest rates and my balance had gone up so much it didnt lower the payment.
In the meantime they also started foreclosure proceedings on me while telling me explicitly in writing they werent doing that.
I am currently waiting for my contact at the customer experience office to get with the loan mitigation team and tell me my options but it is taking so long I dont know what to do anymore.
I know I qualify for the partial claim and per the guidelines they should offer me what results in the lowest monthly payment which is also that ( my old payment ) Any help you could offer Id appreciate This has been a nightmare and I just want to start paying again Thank you
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| 05/11/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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My loan was purchased b y Amerihome in XXXX 2015 ( 2 months after we purchased ) our home. I unexpectedly lost my job XXXX 2015. As I struggled to make mortgage payments, I reached out to Amerihome for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by XXXX XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of XXXX he ca n't tell me why. He told me it would take another 24- 48 hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.
|
| 01/13/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.
2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report.
I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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1. I sent a check by mail from my bank in amount of {$88000.00}. It took a long time to post so I stopped payment and they posted the check on XX/XX/XXXX and reversed on XX/XX/XXXX. I notified the bank by phone of the stop payment on XX/XX/XXXX.
2. So, next I wired the funds corrected and I have transmittal receipt with confirm etc. on XX/XX/XXXX. As of XX/XX/XXXX the funds are not posted and they claim not to have the funds. The transmittal and confirm of wire has been sent and it does contain correct account nos. bene info etc. this amount of payment to principal curtailment is {>= XXXX}.
I also send to other ach principal payments from XXXX XXXX. One for {$2000.00} which posted to principal on XXXX and one for {$730.00} which posted to principal on XXXX. Both were correctly posted to principal. Both were send intentionally to post on separate dates. Now the payments of {$730.00} and {$2000.00} have been reversed off as misapplied. I do not have the funds anymore. Where is my money? Why are they playing games with the wire and posting and reversing postings without good reason? Are they kiting money to make payments on packaged mortgages? CLOs?
|
| 03/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.
|
| 08/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Im trying to refinance my mortgage out of Amrihome to a different lender and they wont issue a payoff letter. Thire claim is that as they dont have hazard insurance on the property they cant issue payoff notice.
Though I have explained repeatedly that I can not insure the house as its about to be demolished and that the new lender is providing me with a construction loan facility they dont seem to except that.
My constant conversations with supervisors at the call center who promised me that they understand and therefore will issue such payoff notice ended again in disappointment as no payoff notice was sent.
In light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. Nothing seems to matter to them as today again I was promised an email and escalation but nobody contacted me.
Seems like Im in limbo no in light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. I also gave them permission to impose insurance on me and to charge me with the premium.
|
| 08/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently received an escrow analysis from my mortgage holder. They claim that my escrow account has a shortage of {$1200.00} but according to my calculations, I should have a positive balance of {$780.00}.
I have attached 5 financial documents to this complaint. Please reach out to me should more information be needed.
According to the mortgage holder 's own records, I had a positive balance of {$1900.00} on XX/XX/XXXX. Since that time I have made an additional {$2400.00} in escrow payments, making the total of XXXX payments and the XXXX balance {$440000.00}.
The expenses for this account total {$3600.00} for XXXX according to the lender 's own documents. My total of payments for XXXX and the ending balance on the account at the end of XXXX ( {$2400.00} + {$1900.00} ) should total {$4400.00}. If you subtract the {$3600.00} expenses for XXXX, that should leave a POSITIVE balance of {$780.00}.
This lender has paid my property taxes LATE on at least two occasions which caused fees of several XXXX dollars. I should not be responsible for these fees. Still, such fees would not account for such a large discrepancy in records. Please help!!
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| 05/24/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I am applying for loss mitigation because my husband 's income has gone down substantially. I have been submitting the requested documents since XXXX. They are not even working the account. I've heard that XXXX borrowers are getting shafted by this company. I have submitted all of the requested documents over and over and they keep saying please resubmit the same documents because they are not working the account in a timely manner causing the documents to expire and I have to go through the process again. They also told me that during this process we are granted protection and that has not happened. Our credit score has dropped because they are not working our account within the 5 to 7 days of us presenting the documents to them. They are asking for the same documents over and over. This is causing us to loss our home in the meantime. This seems to be the outcome they are desiring. I have recently been sent back our documents and told to resubmit them again. We are now at 50 days past due. This is just a game to them. The customer service representatives are unhelpful and you can not speak with anyone else who can help with this situation.
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| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my house on XX/XX/XXXX. I closed my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sold my mortgage to Ameri Home Mortgage on XXXX, XXXX. Since then, I paid seven {$3000.00} mortgage payments. After I closed my house, I I didn't get any Loan statements from my previous loan company, until they sold my mortgage to XXXX XXXX. There I found that all of my payments are not displaying in the statement. I called my new company several times since XX/XX/XXXX to XXXX, XXXX to fix my mortgage statement in online or paper copy. They said they will do it but don't do it. Even I send them copy from my bank of my checks still they don't take it seriously.
I paid extra money so I can lower my principal and stop paying for the PMI. But every time I pay they take it as a mortgage payment and pay for the future mortgage payment. I paid last time on XX/XX/XXXX. My mortgage is not due until XXXX XXXX.
I called them several times and request them to transfer it to my principal, they donot do it.
I am requesting you to find out what happened to my all payments and why they don't transfer my money to principal not mortgage interest.
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| 05/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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3rd complaint regarding this company. We are still trying to get our money from this company to continue repairs on our house. There is only approx. $ XXXX left to disperse and they will not use common sense in releasing this. A total of $ XXXX was paid by insurance. This only covers about 60 % of the repairs. This is why we need all the money sent to us. What is the benefit of nickel and diming us over the final $ XXXX. The house is obviously being repaired, as 2 inspections and hundreds of photos and invoices have shown this. The first complaint a response was received stating Should you have any questions regarding this matter, please contact me at XXXX-XXXX-XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Resolution Analyst Enclosures. We have attempted to contact this person with little to no success. Return calls are promised but not returned. A supervisor will call in 24-48hrs. Never happens. We have wasted dozens of hours trying to deal with these people and its like trying to reason with a first grader. Stop making the process so difficult, act professional, and at a minimum follow through with your promises. Give us our XXXX money!
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| 10/17/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Started in XXXX when I started to fall behind. I got in touch with my mortgage company, to see what my options where. They sent out a package, was told to fill it out. This has been an ongoing issue. I feel like they haven't been incompliance with the USDA loan guide lines. They would make our payments high to where we couldn't pay. We where told we couldn't make a payment in that they would not expect it. So from XXXX to XXXX we have been filling out modified package to keep our house. The lady today XX/XX/XXXX that we have limited access to our account, so if that's the case how am I supposed to know what is going on. I have been in contact with the XXXX XXXX from the # XXXX hope they advised me that my mortgage company was/is supposed to let me know what options there are for me with help on my mortgage. They have not. We are on a active forbances and they are not supposed to be processing paperwork untill its over. The lady said today once they get the rest of the paperwork then they can finish processing everything. She said we are in an active forcloser and we are not supposed to be.they are not following USDA loan guide lines.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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After refinancing my home, my loan XXXX {$390000.00} XXXX was sold 3 times after closing at the end of XXXX XXXX. Planet XXXX XXXX sold the loan to AmeriHome Mortgage XXXX XXXX, XXXX. Per my escrow instructions I sent my first payment for XXXX XXXX, XXXX to Planet XXXX XXXX in the amount of {$2600.00} XXXX {$1500.00} in payment plus {$1100.00} extra towards principle ). This lowered my balance to {$380000.00} which Planet XXXX XXXX transferred that balance to AmeriHome on XXXX XXXX, XXXX. Unfortunately AmeriHome shows a starting balance of $ XXXX and I am not given credit for that first payment of {$2600.00} sent to Planet. They constantly send letters and phone calls stating I am in the rears.
I have reached out to AmeriHome XXXX times and spent hours trying to resolve this to no avail. I have sent copies of my canceled check, an activity statement from Planet which states the transfer amount of {$380000.00}. I also sent a copy of a letter from Planet stating the XXXX XXXX, XXXX is the date AmeriHome will be servicing my loan. I am at my wits end and hope you can help me resolve this problem. I will be attaching these documents.
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| 01/05/2018 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX
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| 05/28/2018 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.
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| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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XXXX XXXX loan # XXXX with AmeriHome Mortgage my payment is due on the XXXX of XXXX, like every other month ive payed my payment by phone, this last month I was admitted into a detox and recovery facility out of XXXX Ca for a stay of 30-45 days.
during this time I have made several attempts to make my payment through my Bof A edd account and for some reason or another even though the money is in my account once the payment leaves the bank with XXXX XXXX XXXX which it shows my mortgage company amerihome returns my payment for one reason or another and at this current time has started to send my late noticed with a late fee added to my account as delinquent. as in good faith I've notified the mortgage company by letter head asking them and notifying them of my current situation if there is anything possible that can be done to reassure me of my hardship.
i have every intention of paying my payment and carrying on my responsibility as a borrower and have every intention and well to do whatever it takes to get this right before it affects my credit as a borrower.
thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX
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| 01/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.
Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.
Thank you
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX my mortgage payment was process by Amerihome mortgage. There was two problems with this, first I did not include the nine in the written text on my check. The nine witch made the check read XXXX XXXX XXXX dollars and XXXX XXXX cents. Instead of XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. Someone altered my check to read XXXX in the numerical box on my check. The second thing was that the XXXX was never given credit to my mortgage account. But was withdrawn from my XXXX XXXX account. I have now spent over a dozen phone calls and hours on the phone on hold to try to resolve the matter. We even did a three way phone call with a Amerihome representative and my XXXX XXXX representative for over two hours trying to resolve this. I call a few days later to get an up date and was told by Amerihome that my customer service case was closed because my account was current and not behind. This is because I had to double a mortgage payment to catch up for XXXX. .All I am asking is to apply the XXXX to my mortgage account. As I type this I have now been on hole for over 45min. Unable to reach a customer service.
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| 07/06/2020 |
Yes |
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- Trouble during payment process
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|
Web |
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I was offered a trial plan for the months of XXXX XXXX and XXXX of 2020 and i called in XX/XX/XXXX to schedule my final gruel payment. I originally asked for an extra day to make the payment since my income reduced due to Covid 19 and the rep assured be that i could make my payment on XXXX she explained that technically i had 31 days to make the payment so i believed her and list dated the payment for XXXX and we ended the call. However once the call ended i wasnt too sure i believed her so i borrowed money from a relative and i called back the same fate and moved the payment to XXXX. I called a few times after to confirm my payment was set up and make sure my trial plan Doesnt break and was reassured by multiple reps that my payment processed and my plan was good. Now on today XXXX i see the funds still have not come out of my account so i call AmeriHome and a rep tells me that my payment was never changed from XX/XX/2020 after i called multiple times to confirm it was changed to XXXX and my plan is broken. I asked to speak to a manager multiple times and was told that 1 isnt available and Im trying to not lose my home
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with Amerihome mortgage that was established last year. The property for the loan has a tax abatement in place starting this year XXXX. The Bank has been collecting property taxes in an escrow account on the loan since the inception of the loan and has not stopped to this day.
I have provided the bank with proof of the current tax abatement in place and they have still not taken any action toward stopping the collection of the property taxes. Furthermore the bank didn't pay the City of XXXX the required property taxes in XXXX and I had to pay the property taxes out of pocket for the year of XXXX. The escrow account has account a balance in excess of {$7000.00} and has not been refunded back to me nor has any amount been paid to the City of XXXX.
My second complaint is I have requested the PMI to be removed on the property. The bank has provided contradictory information on the PMI requirements stating that the requirement is a 75 % LTV but in other areas stated I need a 65 % LTV to have it removed. I have previously requested an appraisal to have the PMI removed and they have ignored my request.
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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XXXX, company holding the mortgage, used a predatory forbearance system during Covid that increases the likelihood of uncontrolled debt leading to foreclosure, and while the system promises access to make payments " in any amount '' this is not the case and required numerous phone calls to correct on more than one occasion. Business accepted payments that resulted in a partial payment and then refused to accept additional partial payments to resolve the month. After conversation with the XXXX, they retaliated against a complaint by maliciously adding a note to the account advising that no partial payments would be accepted for this account after a previous loss mitigation specialist set up partial payments and permitted these payments beyond the end of the forbearance period, that " they saw no reason I should not continue to use. '' This bait-and-switch tactic is predatory and creates the hardship their program is supposed to protect against. Business also offers a " bi-weekly, automated payment plan, '' but it requires that you pay one month ahead, which is hardly the reason borrowers need payment arrangements.
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| 04/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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After many many attempts via email, online chat, website tickets, and phone support, I have gotten nowhere with this company. I would never have chosen this lender myself. My mortgage was sold to this company and I have had a horrible experience ever since. They Did not pay the correct amount of my property taxes last year and then were too late to make the repayment. It went to collections. I have been getting notices and threats from the city about delinquent taxes and lawyers representing the city have contacted me about delinquent taxes. All I know is my escrow account has sufficient funds but the lender is not doing their job of resolving it. Now the city shows additional fees and interest charges associated with the late payment. I am a XXXX XXXX XXXX who can not afford to allow this to affect my credit especially during this current crisis. I have already missed out on PPP relief loans to pay my employees and other expenses. Now my credit score is suffering due to this delinquent tax issue.Every ticket I open to request answers is quickly closed as " SOLVED '' with no explanation. And nothing gets solved!
|
| 10/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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A few weeks ago I submitted a complaint to CFPB about Amerihome 's false reporting of a late payment on my credit report. During the time I had tried to work the issue out with the company, they had been very rude and dismissive but I didnt include that in my complaint because I know they are a crooked company and I wouldn't expect anything less. However, yesterday a representative from Amerihome that I spoke to threatened to report another late payment on my credit report if I continued to pursue this issue. I have told Amerihome a few times, including in my last complaint, that I will now be hiring a lawyer to resolve this issue and get the late payment removed from my credit report and my assumption is they dont like the possibility of having to spend money to protect themselves against the false reporting in addition to the reviews I have left online. Anyway, I just wanted to bring it up that they clearly use late payment reporting as a means to control their customers. This company has to be shut down. They should not be in business particularly after what happened in 2008 with all the predatory lenders.
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| 05/03/2023 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/23 I received a surplus escrow check from my lender. The letter states this is an overage after my taxes and insurance has been paid. The letter states this is my funds to do as I wish with them, being a first time home buyer I decided to put the funds back into the house by redoing my hardwood floors. On XX/XX/23 I received a letter from my city stating my property taxes were not paid. They are now requesting {$2700.00} with fess and interest. I called amerihome financial and was told they did pay my taxes in the amount of {$800.00} they are lying to me and claiming the city only sent them a bill for that amount. I spoke with city of XXXX this morning and was informed that my lender misread the statement and only sent in the first installment of my property taxes with the intent to pay it in full. They did not understand the assignment. My lender is not owning up to this mistake as they keep telling me the city sent them the wrong bill. Amerihome is acting unfair and deceptive. I was misled on the terms of why I received the escrow check. I am being lied to about why my taxes were not paid in full.
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| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I have a loan with Amerihome Mortgage Company with escrow for insurance and taxes. My insurance was expiring on XXXX XX/XX/2021 and the mortage company did not make the payment on time. After repeated follwups from the company i have not been able to trace the payment to the insurance company but the escrow statement shows that the amount was deducted from my account. I have since changed my insurance company to continue my coverage but the mortgager is still not able to track the payment. I have tried to reach them by phone as well as online messages but to no avail.
I recieved a mail from the company about forcing me to buy a force place insurance at a exceptionally high cost.
I dont understand if i am signed up for escrow account and they failed to make payment on time then how are they forcing me for force plan insurance.
I feel at a loss for this poor management. I have since read about several complaints about the mortgagor in onilne forums about them being negligant towards escrow payment.
I have also requested the mortagor to cancel my escrow account so that i can manage it going forward.
|
| 05/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My loan was recently acquired b y AmeriHome Mortgage Companys loan servicing division. I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment. For example : Amount Due : {$4000.00 } ( n ot the actual amount, used for illustration ). Payment 1 ( from roommate ) : {$1000.00} Payment 2 ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send two checks with one payment coupon each month totaling the amount due of {$4000.00} I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the two checks as totaling one p ayment. This is not an industry standard. I also contest AmeriHomes definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using two payment instruments.
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| 05/27/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
|
|
My Mortgage company is Amerihome.
Loan started XX/XX/XXXX and started paying more than I was supposed to into escrow account. {$2300.00} At the end of the first year I had an overage of {$2700.00}.
I received my monthly statement in XXXX or XXXX of this year and my payment went up to {$2500.00} I was shocked and surprised by this and called them. They put a work order in and finished the research on XX/XX/XXXX.
I was told that the check for {$2700.00} was mailed to me and cashed by me between XX/XX/XXXX and XXXX XXXX. That was why there was an increase to my monthly payment.
I explained that this is impossible and never received anything in the mail, never cashed the check and checked all banking institutions. NO CHECK WAS EVER CASHED BY ME.
I then asked for an image of front and back of the check, signature as well, but was told that was not part of the research they did.
So I was told to put another work order in to request an image of the check with the understanding that they might not have it.
I HAD MONEY FROM MY ESCROW BASICALLY STOLEN FROM ME AND DON'T KNOW WHAT RECOURSE I HAVE.
|
| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Last year in XX/XX/XXXX I had a switch of bank accounts as I moved all personal accounts to where my business banking accounts are held. During this process I had the accounts paid for online and had named the new account the same as the old account. I was notified that my homeowners insurance was not renewed, their was a mix up from the carrier as to where the renewal was sent. I paid my mortgage as usual however Amerihome was trying to take it from the closed account. I was not notified by Amerihome not only for the insurance renewal but also that the Mortgage was not paid for XX/XX/XXXX. When I was told i was late in XX/XX/XXXX, I immediately paid XX/XX/XXXX and XX/XX/XXXX totaling over {$4000.00}. I had spoke to customer service to get this resolved and they had acknowledged the mistake on the draft and the insurance renewal and sent me a link to get the late removed. It has not been removed and I called to inquire again as recent as 30 days ago and they had told me it was not done and they are not sure why.
Amerihome Mtg CO, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The topics for issues did not really apply to my issue. I am trying to request a Verification of Mortgage from my current mortgage company, Amerihome, as I am working on refinancing with another company. I began requesting this document on XX/XX/XXXX. I was given the option of how I would like to receive it and I requested email. I was told I would receive it in 24-48 hours. I called back on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I am on hold and passed around for XXXX hour phone calls. On two of the days I called multiple times. I have been told repeatedly I would receive the papers in 24-48 hours or up to 72 hours. I still have not received them. In the meantime several of these calls I was approached about doing my refinance thru their company as my other refinance has not finished yet- since I have not received the papers. Today I was told it would be sent today via fax to my loan agent, but still do not have the papers. Ive received different stories from almost every agent Ive spoken to. All I would like is the XXXX sent to me.
|
| 03/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me!
Thank you!
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| 03/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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|
I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX.
I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile.
This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening.
I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.
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| 02/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Since XXXX I have worked with Amerihome to submit all documentation required to show that I am exempt from property taxes due to my 100 % XXXX XXXXXXXX here in the state of Oklahoma. Per XXXX XXXXXXXX XXXX XXXXXXXX, my mortgage payment should be adjusted to reflect the removal of property tax payments and updated to reflect that. When I called today ( XXXX XXXX ) to check on the status and see when the investigation would be complete, I was told no action had been taken. Furthermore, the customer service representative repeatedly derided and interrupted me as I politely tried to explain my situation and request that she look at my account and see if the 100 % XXXX XXXX paperwork was on file for me. It was also implied that I was lying and that I didn't know what I was talking about when it came to my own military veteran XXXX status. I didn't get any help to resolve this issue and am now left to continue calling to rectify this issue.
If this is how Amerihome views military veterans, and treats its customers then I would suggest looking elsewhere for a better mortgage company.
|
| 12/19/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Amerihome has an issue with its payment system. When I do an electronic funds transfer it's always reversed within a couple of days. This wasn't a problem with the first few months. I called the bank and they said there is no issue on the bank 's side.
I sent a check as requested by Amrihome but it was sent back with a letter stating " 5 possible reasons '' why they won't accept the check. Now they want " certified funds '' which I can't do in one place because no one locally will do a money or cashier check for that amount.
Because their system is not working properly, I must carry a lot of cash on me in public to get multiple cashier checks. This is dangerous and extremely inconvenient.
On top of this, they have ruined my credit by reporting the payments as being late on top of demanding late fees. So now they have captured me as a client and can get away with ripping me off for a problem they are on their side to start with.
You would think a main topic for a mortgage company to focus on is the payment system Since it's key to the success of any mortgage company.
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| 05/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
My mortgage was sold to Amerihome from XXXX. I was never notified of the transfer. Amerihome made harrassing calls to me asking for banking information, ss # and payment although I was not sent any documentation supporting their calls. Every call I verified the mailing address but they never sent me anything. I had made 2 more payment to the originator, which they did not send on. They told me they would rip up checks, but I should have received notification. Amerihome has put a negative mark on my credit, although they are in direct conflict with the law of notifying me 15 days prior. I did not receive any written documentation for 90 days.. After 10 months ( XX/XX/2022, they sent me a letter that was dated XX/XX/2022 ) stating that they had been sending me the letter to the wrong address. Again, the correct address was given to them as well as them having the correct address for the mortgaged property.
This has had a tremendous negative affect on my credit. I have contacted them numerous times and they have refused to admit fault and remedy the damage they are causing me
|
| 12/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I purchased my investment house around XX/XX/XXXX for {$150000.00}. I put 15 % down back then. As of XX/XX/XXXX my loan has a remaining balance of {$120000.00} ( 79.4 percent remaining ). The loan was sold to Amerihome Mortgage. I have filed XXXX requests to drop the PMI but per Amerihome via written letters I have to wait 2 years of paying PMI from the initial loan date and then have to do an appraisal regardless of what I have paid off already, and then submit a drop request again ( which takes about 40 days ). I have paid 100 % on time ( auto draft ), the requests were submitted via e- another e-mail and wait for a 40 day response via mail ( per Amerihome ). I have a perfect payment history. Every time I try to speak to someone about the PMI they say " This department is only available by e-mail ''. I have called multiple times and requested to speak to a supervisor and I have had no traction for the last 5 months. I am below 80 % paid off and I am eligible to have my PMI dropped, your assistance would be greatly appreciated. I will attach pictures later in this process.
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| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We just moved into a new home and immediately had issues with Amerihome Mortgage ( XXXX ) on getting set up on auto pay. They told us we had to make the payment over the phone and let it process in a few days at which we can apply for auto pay at which point I did. Come to find out that the agent didn't process the correct payment and even thought the auto pay is currently set under my online portal as they have my account and routing info to pull the payment they not only didn't call me stating I had a block call which was not true I asked not to be called regarding any telemarketing only account related items. So now my sterling record has taken a XXXX point hit and they are giving me the run around and apologize. As of today my payment with them are up to date but they need to process a credit deletion report for the error of not processing the correct payment over the phone and not ensuring the auto pay was set up correctly the second time causing my account to go to delinquent status as attached but the auto pay still being on.
Confirmation Code for payment : XXXX
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| 07/16/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I am an XXXX XXXX XXXX Florida veteran who was recently declared 100 % XXXX by the XXXX XXXX and as such, I can apply for a waiver for property taxes on my home, with the exception of a fire tax of {$150.00} per year. I obtained approval of my exemptions from my county tax office and sent in their letter, dated XXXX XXXX XXXX with a request for an adjustment to my mortgage payments. I have made numerous calls to AmeriHome since then, to no avail. My county tax office was kind enough to write a second letter, dated XXXX XXXX XXXX reaffirming my eligibility for a tax waiver. I got a form letter, dated XXXXXXXX XXXX XXXX from AmeriHome stating that my request was forwarded to " the appropriate department for review. '' I made one last call in XXXX asking for an adjustment so that I could avoid making a complaint to a consumer protection agency, which seems to be my best resort at this time. No adjustment, no calls, no letters, no one taking responsibility. I have attached copies of pertinent documents for your review and would appreciate any help that you could give me.
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| 07/17/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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Our mortgage is a XXXX XXXX loan serviced by AmeriHome.
For the past three weeks, we have been trying to apply for forbearance under the CARES Act. We continue to receive different answers to our questions, specifically, when asked how long can we apply for forbearance we are told 90 days only. When asked about credit reporting that we are in forbearance, we have been told that there is no reference of forbearance reported to the credit bureaus or posting of such on our credit reports by one staff member, that there will be posting to our credit reports signifying that the loan is in forbearance by a different staff member. Both my wife and I have worked hard to achieve and maintain excellent credit and don't want to do anything that impacts our ability to borrow, increase interest charges, or impact our credit scores.
Can you please advise if we are entitled to initially request a 180-day forbearance term under the CARES Act on a XXXX XXXX mortgage, and if the loan servicer is mandated or allowed to report the forbearance status to the credit bureaus?
Thanks
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| 05/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been with Amerihome Mortgage since closing in XX/XX/2018. Currently, I'm enrolled in a program to pay my mortgage bi-weekly. We recently changed bank accounts which required me to update my account information with Amerihome. I contacted Amerihome by phone and email. I emailed in a new drafting form 10 days before my payment was due. Amerihome failed to update my information timely, which resulted in an attempted draft on my closed account. I contacted Amerihome by phone numerous times and not a single person was able to assist at getting my information changed. I finally mailed in the same form with a check for the amount that was returned from my closed account. 10 days later, they have yet to process my payment nor my new drafting form. I have called in numerous times and nobody is ever able to assist or offer a solution to solving the problem. This company is a nightmare at trying to handle the smallest issues of simply making a payment. I am now concerned by their lack of timely action that they may attempt to report a late payment on my credit report.
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| 01/03/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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Since XX/XX/XXXX, our mortgage company has not refunded us the full amount of our XXXX property tax money of {$4200.00} we paid with interest. The company was sending our property tax funds to the wrong town. That put a lien on our home so we paid out of our pockets to remove the lien. The company still is delinquent in our XXXX taxes and we now owe {$4300.00}. They have been sending checks to the town of XXXX and we live in the XXXX XXXX XXXX. We have been trying to correct this issue since XX/XX/XXXX. The town of XXXX has been trying to get in contact with our mortgage company as well when we contacted them about our checks being sent to them instead of XXXX. XXXX XXXX XXXX stated they can refund us our XXXX taxes but needed written authorization from our mortgage company which did not authorize since they work with a third party that handles our escrow account. This has been a nightmare dealing with AmeriHome and all they do is open a work order and close the work order without a resolution. We have called numerous times to resolve issue and not resolved.
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| 12/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Closing disclosure or other related disclosures
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Web |
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Around XX/XX/2023 ... AmeriHome Mortgage Company LLC, were served with a Good Faith DISCOVERY NOTICE ; Verification of Proof of claim, under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ) .Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. AmeriHome Mortgage Company LLC, were allowed an additional 30 calander days, with even further/additional time to respond, and has/is shown/showing zero concern for the above mentioned Law. The amount in question is in excess of XXXX in U.S. Currencies or some other unknown, unclear or deceptive language used that the presumed lendee of the NOTE is Not aware of. A " REQUEST FOR ADMISSIONS '' were also served upon AmeriHome Mortgage Company LLC, and " Holder In Due Course '' has received zero response from AmeriHome Mortgage Company LLC, nor from it's Trustees.
NOTICE : Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to foreclose.
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| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a conventional load with Amerihome Mortgage. I technically missed a payment in XXXX. However, this was simply by electronic error. On XX/XX/XXXX, I submitted the payment using their online payment website. However, the payment didn't process. This was not brought to my attention. I did not realize they did not receive the payment.
In XXXX, I made my next scheduled payment. However, I was actually paying the late XXXX payment. Again, I just didn't realize it. When I went online to make my XXXX payment, I found Amerihome has fully closed my account and passed it along to another company. Possibly a debt collector but I have not information for them. I have no contact information for the other company.
I looked back through my email to see if I missed something and found that Amerihome had apparently tried to contact me but could not. The emails I received say they do not have my contact information and that I should call them.
Now I try to call them and they do not have a customer representative to talk to or any other options that involve Amerihome.
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| 04/10/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My home real estate tax bill has not been paid by my mortgage company ( Amerihome ) since XX/XX/XXXX and has now incurred penalty charges. My county tax office has sent me a final 30 day warning before my property goes to tax sale. I sent the bill to Amerihome on XXXX XX/XX/XXXX and informed them of the delinquency. They responded on XX/XX/XXXX that they were informing their tax department. After 3 weeks I sent a message informing them again of failure to pay my real estate tax. I have not received any response on correcting this issue. On XXXX XXXX they stated they may have paid the wrong parcel number on a property we no longer own. I reached out again on their chatline, they informed me they opened a second case order and the tax would be paid by XXXX XXXX. On XXXX and again on XXXX XXXX I informed them the tax had not been paid. They said they are opening a third case to resolve the issue and they sent me a letter informing me they are still working on it. Meanwhile the County is about to publish my home for tax sale by the end of this month ( XXXX ).
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| 10/19/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have been in a forbearance plan with the mortgage holder for at least a year, due to hardships caused by the pandemic. The mortgage holder switched to a new mortgage holder ( Amerihome Mortgage ) and the problems began. The new mortgage holder took several months to process my documents. The documents were provided several times via email and fax ( with confirmation ), although the mortgage holder continued to insist that documents were still missing. I filed a claim with the XXXX and only then was I contacted by a representative and submitted my documents directly through the representative.
I attempted to apply for a loan modification and was denied with no valid reason, aside from I did not qualify for mortgage modification. I appealed the decision and was denied a second time. There is no reason why I should not have been approved for mortgage relief or modification, due to COVID-19. All the required documents were submitted. This company has been nothing but dishonest and fraudulent the moment they took over the mortgage loan from XXXX XXXX.
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| 07/20/2021 |
Yes |
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- Trouble during payment process
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Web |
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I used a forbearance from XX/XX/XXXX until XX/XX/XXXX. I completed partial claim paperwork and I began making my mortgage payments again in XX/XX/XXXX. Amerihome did not properly process my partial claim and misapplied my XXXX mortgage payment to XX/XX/XXXX causing each months payment since to be applied to the previous month. I have made no less than 100 phone calls to resolve the issue and each person I speak to does not have full access to my account information. Some agents are able to see that I made all of payments and some tell me these funds have been misapplied. I have requested my payment history which clearly documents all of my payments and where the misapplication occurred. I have spoken with several supervisors who promise to fix this issue however it has not been addressed as of XX/XX/XXXX. This is negatively affecting my credit. I can not refinance, I can not sell, I can not separate myself from Amerihome until they fix this issue and correct my credit report. I have started receiving letters threatening my right to live in my house.
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| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my home in XX/XX/XXXX and the loan was transferred to AmeriHome Mortgage. During this time, I paid {$670.00} per month to my impound ( escrow ) account. However, AmeriHome did NOT pay my property taxes when they were due in XXXX, and again by XX/XX/XXXX. It was not until I decided to sell my condo that my attorney told me my taxes were not paid at all this year, and I had over {$9000.00} in my escrow account. According to my terms, the taxes should have been paid by AmeriHome.
On XX/XX/XXXX, my loan was sold to XXXX XXXX. XXXX paid my taxes from my escrow account, but I was still charged {$270.00} by the XXXX County Assessor in interest. I called AmeriHome to try to get that money refunded to me, but they told me XXXX is servicing my loan now, and I needed to call them.
I called XXXX on XX/XX/XXXX, and they were unable to refund my {$270.00} as it was not under their control and it was not their mistake.
I just want to get my {$270.00} that I was penalized as it was no fault of my own that caused the taxes to be delinquent.
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| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have contacted Amerihome mortgage on numerous occasions by phone and email regarding our escrow account. We refinanced our home last year and the loan was purchased by Amerihome. The property tax was estimated at closing at {$2600.00} which is twice the actual tax. The taxes paid by Amerihome in XXXX of XXXX were {$1300.00}. Since escrow was overfunded, we received a refund of approximately {$680.00} for XXXX. The problem is they continue to use the {$2600.00} estimate for XXXX, which is inflating the escrow account again. I have provided the appraisal districts estimate of our tax for XXXX which is {$1300.00}. Our county freezes taxes at age XXXX. I have also provided documentation for our appraisal district which shows the XXXX exemption and describes the exemption, proving that our taxes will not increase. Amerihome refuses to reduce the escrow due to collection for our account. To add insult to injury, they INCREASED the escrow payment due to a {$400.00} increase in property insurance, but refuse to decrease amount collected to taxes.
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| 09/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have closed my mortgage with Amerihome Mortgage on XX/XX/2020.
They charged another monthly payment on that month which left my total escrow balance of XXXX.
They claimed they have sent the check but I have NOT received it. After a battle of phone calls, I requested them to stop that check and issue a new one 50 days ago.
After over 20 messages inquiry, and multiple phone calls I learned today they still haven't issued a new check to me. And the customer service representative was rude and blaming USPS. If it hasn't been even issued why to blame USPS and the pandemic?
If I make my payment after 3 months and blame the pandemic and USPS would it ' be acceptable?
This company has been the worst.
I'm losing faith, and I need this money. I have so much debt to take care of. I need the CFPB 's involvement in this matter.
Reps are extremely rude. They transfer my calls to other people and ask me to spell every letter for the current address, property address, mailing address, and keep wasting my time for hours and simply hang up.
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| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late.
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been.
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time
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| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had been overpaying my escrow for over a year, however, recently had my property taxes reduced by 40 % as my XXXX Credit kicked in on XX/XX/2019. As I had an official bill from the XXXX XXXX Tax department stating what my taxes would be for the next three years, I had AmeriHome run an escrow analysis to reduce my payment and release the large surplus of funds in escrow. Their analysis confirmed the overpayment and adjusted my monthly bill accordingly. They also sent me {$1000.00} from my escrow. However, my net escrow balance is still {$1300.00} which is well above the " 2 month escrow cushion '' per law ( https : XXXX ). Law states that " ( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. '' My new monthly escrow payment is {$430.00}. If you multiple that by 2, my net escrow balance at this time should be no more than {$860.00}. I tried calling AmeriHome on XX/XX/XXXX and having them release the remaining surplus, however, they refused to do so.
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| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage account with Amerihome Mortgage was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. Amerihome acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, Amerihome report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.
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| 11/29/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Due to our mortgage company ( Amerihome mortgage ) misinforming us a payment was completely canceled in XXXX. We found this out in XXXX. As a result I called to set up a repayment plan and was told we had been approved to pay {$1200.00} a month and a letter would be sent to us to sign. This did not happen. As a result every month we have called and payed and were told since we were paying this was keeping us on the repayment plan and at one point they even changed our credit rating and reported we were current on our payment. This month we got a our mortgage bill and it had increased and did not show any evidence of the previous payments made at an increased amount. Upon calling them we were told that now our repayment plan had been denied and our taxes had gone up and that amount had been being put towards our escrow. Additionally they have turned around and reported us as missing a payment which has greatly impacted our credit score They were unsympathetic and have continued to lie every time we have called them. Please help.
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| 09/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX of 2021 I received notice that my mortgage is increasing from {$1100.00} per month to {$1700.00} per month. They said because taxes have gone up. Property taxes on my house is {$4300.00} per year. They told me that they have increased to {$7800.00} per year. I contacted the town of XXXX, RI and asked them if this is true. They told me NO it is not. Then Amerihome Mortgage Company said it is a UTILITY tax placed on by my town. Again I went back to the town hall and they said there is no such thing in this town or in the Stated of Rhode Island. I again went back to Amerihome and I sent them a copy of my Property Taxes and they said they would so some research on it. When I called they would not give me a copy of this Suppose Property Utility Tax. Nor would they tell me where it came from. I contacted several other mortgage companies here in Rhode Island and they said they never heard of it before. Amerihome refuses to give any evidence showing this so call Utility Tax. Can anyone help them from trying to steal from me.
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| 05/11/2021 |
Yes |
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Web |
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In 2020 due to the covid 19 pandemic I could not pay my mortgage, then I applied for a partial claim in XXXX I received a letter dated XX/XX/XXXX saying that I was approved for the amount of {$11000.00}, later in XXXX I receive another letter dated XX/XX/XXXX2020 that says that the partial claim was not approved, I am forced to sell the property for many unfortunate circumstances, at that time the title company finds that there is a link in XXXX XXXX CLERK OF COURT, XXXX XXXX XXXX, The tile company decides to hold the amount of {$11000.00} until HUD or FHA send the payoff of that supposed second mortgage which was not paid to my loan which was already paid in full on XX/XX/XXXX, until now XX/XX/XXXX / XX/XX/XXXX I have not received an answer as to what happened with that money, I have called and sent emails to the 3 companies involved in the transaction and I have not obtained any answers, I need to close a business in a new property and I can not do it until this problem is clarified. I appreciate the help you can give me.
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| 02/23/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/.
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan.
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX.
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed.
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed.
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..
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| 12/03/2022 |
Yes |
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Web |
Servicemember |
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I recently bought a house from AmeriHome mortgage company LLC. I thought I had a VA Loan with guaranties. The house was suppose be inspected and appraised. I am still waiting on the reports and the house has closed. I was given a home warranty, this was to insure that the house was good. But after a couple of days everything began to break down. The pool pump stopped working, the wiring has been compromised. The conduit is rusted out causing the wires to ground out. This is just one problem with the electrical, there is open slots in the electrical breaker box. Nothing is label correctly and there is several circuits missing form the panel. It is not up to code, I was told that the property was inspected by the VA rep and approved. But the standards that the VA provide to its service members are not being met. Now the home warranty company is saying they do not cover the repairs. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX said this house was up to code and passed inspection when they sold me the house. It is not up to code.
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| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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According to AmeriHome Mortgage, an escrow payment was made to XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/. In XX/XX/, I received a letter from XXXX that payment had not been made. I contacted the mortgage company, thay claimed payment had been made, to wait another week. Again, in early XXXX I received another letter from XXXX, this time stating that my insurance would be cancelled if payment was not received by XX/XX/. Again, I contacted AmeriHome. Same statement, to wait. I contacted both XXXX and AmeriHome, checking on status of the payment. XX/XX/XXXX I received notification, that payment had been made.
However, when I received my XXXX in XXXX, I noticed that AmeriHome had made two ( 2 ) insurance payments, thus, resulting in a negative escrow balance. I have tried to get this resolved, to no avail. They won't admit they made 2 payments and now they are going to raise my mortgage payment to cover the escrow shortfall. There sould n't be a shortfall, since they made 2 payments, and I ver authorized the second payment.
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| 08/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced our loan last year and the loan was sold to AmeriHome Mortgage on XXXX. We asked for an escrow account. We have been told multiple times what is needed to obtain the escrow account but once we submit the documents and the payment, the company fails to act on the request. I have contacted them multiple times and they keep saying they need something else to obtain the escrow account. Once I submit the new documents, they fail to act on it. I have gone through this multiples times and have even had to make my tax and insurance payments myself. My husband and I are retired and it constitutes a burden for us to make these payments all at once.
This company has pulled extra payments and have held our money in an escrow account since XXXX, XXXX but has never made a payment to our taxes or insurances.
When I request information in writing they say they are going to generate a letter to us but no letter is forthcoming.
Is there anything we can do about this situation beside refinancing with another lender?
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| 12/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I made two payments that were never credited to my account. The first payment for {$3000.00} cleared my bank on XX/XX/2018. Amerihome never credited my account but instead returned {$3000.00} to my bank account on XX/XX/2018 [ note I made two payments in XXXX when I learned they returned the funds. ] The second payment I made was {$3000.00} pay-by-phone with an Amerihome representative on XX/XX/2018 confirmation # XXXX cleared my bank account XX/XX/2018 online trace number XXXX XXXX XXXX XXXX XXXX. Amerihome never credited my account for this payment. I've called Amerihome numerous times and talked with many of their representatives to resolve this. I've sent pages of documents to prove the payments and I've conferenced several representatives from my bank with Amerihome representatives to verify these transactions. All of my efforts to date are unsuccessful. Amerihome has reported me late to the credit bureaus for months ruining my credit. It is important they recognize their mistakes and reverse the credit reports.
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| 03/27/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX I faxed the property tax statement to Amerihome as requested loan XXXX, I was told they will adjust the escrow for the XX/XX/XXXX payment and I would get a call in 3 days about the change. I did not get a call. However I never get the accurate information from XXXX since they took over the mortgage, it has been a poor relationship.
On XX/XX/XXXX I get my updated mortgage statement, and the escrow was increased. not decreased as expected they have {$2400.00} for property tax when the tax statement is {$970.00} for the XX/XX/XXXX year. I called and they showed no record of the statement, until I gave them a date when the fax was sent, and received. Then they located the information, again I was told they will do the correction and give me a call in 3 days. I told them I will not expect a call because I was told that in the past and it does not happen, I can not get any correct information in any matter with this company since XX/XX/XXXX of last year. There service and trust is very poor and disgusting.
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| 11/20/2017 |
Yes |
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- Trouble during payment process
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Web |
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I was affected by hurricane XXXX and the bank AmeriHome Mortgage Company , LLC said it could take 3 months without making payments and they would not charge a later fee.
I did have been trying to pay them but their online system says I am not eligible to make a payment and it will not allow me to pay. It 's been like this for 3 months now.
I have to call them on the phone now and make they payment, the charge me XXXX dollars each time.
They charged me XXXX dollar for my last payment but they never took the money out of my account, I called them last week to ask about why they have not taken the money from my account, and they said on their system it shows that I 've paid.
Now, I just got a foreclosure letter in the mail.
I't seem they are purposely trying to foreclose by purposely not accepting my payment and making supper difficult to make payments.
I even mailed them a check that they deposited then send me a check from them back and says I still owe money I already send them and charged me late fees.
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| 05/22/2019 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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Amerihome has been reporting to our credit incorrectly. They stated they did not receive a XX/XX/2018 payment and reported to our credit from XXXX to XXXX, when they sold our loan that we did not make payments. We faxed them our bank statement from XX/XX/2018 to XX/XX/2018 showing payment. They would not accept that paperwork and needed a transmittle from our bank showing the money was transferred and where it was transferred to. We had our bank fax the transmittle and contact Amerihome with us on a conference call to make sure this was received. They said they did see that the payment was made and would send it to an underwriter to have a letter issued for correction so we could refinance our home and be able.to have our credit report corrected. Amerihome will not write the letter with the explanation that they need to see what happened to the money on their end. I cant do anything about what they did with the money all I can show is it was paid and they will do nothing for me. This has been going on for 3 weeks.
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| 06/08/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have an FHA loan. I am eligible for an FHA streamline refinance according to the rules set forth by FHA. Recently I applied with my current servicer for a streamline and was told they have recently implemented a minimum FICO for EXISTING CUSTOMERS.
I understand that a servicer may not want to take on OUTSIDE customers below a certain FICO as it represents additional risk to their servicing portfolio.
However, to apply an arbitrary FICO on a program that is not an FHA requirement on loans that you already service is of no benefit and has an adverse impact on their customers.
Rather than improve their risk by LOWERING a customer 's rate, they are penalizing people in FHA loans that may be working hard to repair issues in their past. After my divorce, getting back into a home was a milestone for me. I do not need my mortgage servicer penalizing me for a loan THEY agreed to service in the first place.
It feels as if they think I am trapped with them and can make more money by keeping me in a high rate loan.
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| 05/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX XXXX I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of XXXX . They had paid all of one county and part of the second county. I made subsequent phone calls on X/XX/17 , XXXX , X/X/17 , X/X/17 , X/XX/17 and X/X/17 and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last one on X/XX/17 who looked it u p on the county web site while I was on the phone and said that he would request a check be sent XXXX on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday XXXX . I never heard from him. As of XXXX the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.
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| 03/12/2022 |
Yes |
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- Trouble during payment process
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Web |
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I submitted my XX/XX/XXXX mortgage payment the overnight payment address at XXXX XXXX XXXX XXXX NJ XXXX was for {$2200.00} check number ( proof attached ) XXXX.
XXXX delivered on XX/XX/XXXX ( proof attached ). I spoke to XXXX XXXX who stated it has not been received yet.
The bank stated it was not cashed yet.
I payed my XXXX monthly payment which they applied to XXXX and caused it to appear as though XXXX payment was not made. This is false. I contacted Ameri Home and a representative told me to email the research department at XXXX I did and called back in a week. This was XXXX XXXX. They stated Research did not have a phone number to speak to them directly. I continued to call and got a different answer each time. Some giving me a number that went back to customer service. By XXXX I spoke with a representative who told me I can not email this I had to fax the request to them. I faxed the request. On XX/XX/XXXX I received a letter stating the company determined the information was accurate.
Regarding XXXX
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| 05/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is serviced through AmeriHome Mortgage. I applied for and was granted a 90 day forbearance under the CARES Act. The forbearance was to start for my XX/XX/2020 payment and extend through XXXX, with the next payment due XX/XX/XXXX. I have attached a copy of the acceptance letter. They then sent me an invoice which was for the XXXX payment. In that invoice, there was a threatening message about being delinquent on my payment and threatening late fees and negative credit reporting. Both of these are against provisions of the CARES Act. I sent AmeriHome an online message stating my concern and unhappiness about how they word invoices and in general, how they treat their customers. The response was an automated message about applying for a forbearance. I have attached both XXXX and XXXX invoices. The acceptance letter and a printout of the online message. I have since paid both of XXXX 's and XXXX 's payments ( {$6000.00} in total ) because of their poorly worded invoices and threatening messages.
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| 09/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome, which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.
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| 02/24/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check.
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.
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| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I had a mortgage that was serviced by AmeriHome mortgage. The mortgage was paid off with AmeriHome after I refinanced on XX/XX/2021. By the time of the pay off, there were {$5000.00} remaining in the escrow account, managed by AmeriHome and I'm expecting to get that balance amount refunded to me via mail. I initially received a check for it in XX/XX/2021 but that check was voided when I deposit. So I reached out to AmeriHome asking for reason and for a valid check to be sent to me again. Same thing happened to the second check they mailed to me in XXXX. So I reached out to AmeriHome again and ask them to make sure check won't be voided when they send me for the third time. I have not received a check yet since I communicated with them the last time ( over 2 weeks ago ). There is {$12.00} penalty from my bank every time a check is voided, so up till now I've got {$24.00} penalty for this issue. I really need to make sure this money get refunded to me because our family needs it during this hard time.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been struggling to keep up with my payments and had elected for bi-weekly payments to reduce the life of my loan and interest paid over time. After 3 years the principle has not moved much and I just investigated as to why. On XX/XX/21, XXXX ( employee id XXXX ) As it was just explained to me by a mortgage representative ; In a very sneaky and unethical manner, XXXX set up bi-weekly payments to " help '' customers, but does not apply the 1st payment until the second payment is received. I asked why they would even do this, to which I received a reply stating that " its our company policy ''. So they set customers up for bi-weekly payments, but don't apply the payments, thus rendering the entire exercise null and void. It is very deceptive, dis-honest and unethical. It seems that it should be illegal. Upon asking for a supervisor I was placed on hold and then told that I was not permitted to speak to one. Additionally as I asked for company information, ie, management names, she hung up on me.
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| 03/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I put in a request for review of a workout plan with Amerihome mortgage company on the XXXX of XX/XX/2019. I included all documents that the packet said they needed. I called them several times on the XXXX of XXXX and the XXXX of XXXX and they said there may be other documents they may need and gave me examples of what may be needed. they also said that I have until Monday the XXXX to get all documents in because the wont except anything after 14 days from the sell date of my home, and they would be contacting me to ask for more documents if they need them. I sent the extra things that they might have needed to review my request and I got no response back saying that the received them. I contacted them today XXXX XX/XX/2019 and they told me that there wasn't sufficient time to review my paperwork and that they would not be reviewing a workout plan anymore. I am working with a HUD agent at the moment as well. I feel that they do not want to work with me anymore and that they want to sell my home.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As of the end of XXXX, I have never received a 1098 to file my taxes and I am unable to log onto the email provided. When I called last week regarding the status, I was told that no one could help me as I had refinanced my loan so they could not see anything. Furthermore, I was told I could not access anything online since my loan was paid off over a year ago, which is not true my loan was paid off in XX/XX/XXXX which would have only been 6 months. I asked when the original 1098 was mailed out and I could not be provided at date. Then I asked them about expecting sending another once since I have never received it which they said they could not and did not know how long it would take. I asked about receiving it via email instead which they indicated they could do and I would receive it in 1-2 days which I never did.
I need my 1098 to file my taxes and will be holding Amerihome and XXXX liable for any further delay relating to that.
I would like my 1098 sent with a tracking number or emailed.
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| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
|
My mortgage company changed my account number and bill address. I followed their instructions and changed the account number and bill address. 5 weeks later I received a missed payment letter because the new account number apparently didn't link to my account. The missed payment notification had a different account number on it than either the new account number or the old account number. My bank verified that the check had been cashed before the due date by the mortgage company. I tried to access my account on-line but couldn't because the account numbers have been changed. The mortgage company is refusing to cooperate with either my bank or I in our attempts to prove payment, instead insisting on copies of the cashed check, which don't exist because it was an EFT. The missed due date was XX/XX/XXXX, the check was cashed on XX/XX/XXXX, the next check sent to the same address with the same account number is due today. I believe the Mortgage Company is dragging this out to get more penalty fees.
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| 01/29/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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After coming off a COVID19 Forbearance XX/XX/2021. I have tried to reach out to my lender by all attempts via telephone, via email and via mail after notifying my lender I can resume to payment what is the next time. My lender sent my a denied letter for all COVID19 due to XXXXien on my property and the steps to appeal. I immediately appeal requesting documentation of a lien on my property which I never received any documents from my lender. I finally got a hold of my lender in XX/XX/2021 and i was able to explained my situation and asked for assistance to resume to payments. What I thought my lender provide in XXXX was a nightmare i received a notice saying my property was being foreclosure I immediately reached pleading for HELP. I have now sent over my loan modification packet to learn I am missing documents. Which were medical docs proof showing my COVID19 records. I have a FHA loan is this the rule or process for my loan modification after coming off of a covid19 forbearance. I need help?
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| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have two properties that were sold from one mortgage lender to another. In XXXX of XXXX XXXX XXXX sold our loan to AmeriHome Mortgage Lending. Unfortunately, this transfer was not communicated to us in a timely fashion. We continued to be invoiced by Planet after the " sale '' date, so we continued to make payments on both properties ( additional {$5000.00} for one ). We made XX/XX/XXXX payments to Planet not knowing that the loan was sold to AmeriHome. Planet Mortgage readily agrees that the payments were made and we have documentation that they received these payments. AmeriHome continues to state that they have no record of these payments that were made. We paid ( AGAIN ) XXXX payments to AmeriHome so that our credit would not be affected. In summary, there were TWO additional XXXX payments made on these properties and no one can tell us where those payments are. We certainly have not received credit for them. I have another account number for the other property that I can submit later.
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| 09/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The issue is this : payments I paid to Amerihome Mortgage Company in escrow to be used for payment of real estate taxes in XXXX are being wrongfully withheld by Amerihome since XX/XX/XXXX, and not used to pay the taxes.
I have attempted to go through the proper channels and provide Amerihome Mortgage with all the proper documentation and contact information indicated to resolve Amerihome Mortgage not paying my XXXX property taxes in a timely manner. Having originally contacted them about this issue in early XX/XX/XXXX, and launching multiple phone and email inquiries from XX/XX/XXXX through XX/XX/XXXX, I feel I have no other recourse but to file this complaint with the CFPB. The original total due in XXXX, XXXX was {$8100.00}. Amerihome continued failure to pay resulted in added penalties and interest, so now as of XX/XX/XXXX the TOTAL DUE is {$11000.00}, with penalty and interest continuing to accrue. I am afraid that a tax lien will be filed, and my credit report will be damaged.
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| 07/07/2018 |
Yes |
|
- Trouble during payment process
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Web |
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Amerihome is showing my loan is missing a payment. When the loan first started with Amerihome, XX/XX/XXXX they sent me correspondence to show the start date was actually XXXX. Amerihome ( after several frustrating countless phone calls ) kept my 1st payment in a suspense account and later applied it to the XX/XX/XXXX payment. Months have gone by, no issue with the payment. Now 3 months later, Amerihome is stating I am behind a payment from the start date.
Every time I speak to someone at the office I receive a different answer. No resolution. I do not want to be in default nor be reported to the credit agencies for being late. I am not late. Their records are incorrect. It has been nothing but issues since the start of servicing ( 4 months ). There are 5 " misapplication reversals '' ( see attached ) since the start of the loan. It is always promised that a supervisor will call me within 24 hours to follow up and that has never happened. I can not get a straight answer from anyone.
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| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX I attempted to setup Auto Pay, it has yet to start working. In XXXX we had a family emergency and my daughter spent a couple days in the hospital, I was not monitoring my mortgage for our lake home and auto pay did not process we received a late notice by mail, this was the first contact I had about a late payment for the month of XXXX. I called and confirmed and made two payments as a sign of good faith to attempt to correct this issue. Amerihome submitted a 30 day late notice to mine and my wife 's credit history. I have attempted to correct the issue with both auto pay and the hit to my credit. I feel this was not an error on my part has I have a letter stating my account was setup with auto pay, to this day when I login to my amerihome account it states auto pay is enabled. This is the only negative mark on my credit and I feel this is in error and I should not have to suffer with a delinquency mark for the next seven years because auto pay did not work as intended.
|
| 03/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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After my mortgage was bought by Amerihome Mortgage Company, I made a payment on their site for XX/XX/XXXX and it went through fine. I then set up an auto-draft to withdraw the mortgage payment. The money was deducted from my bank account on XX/XX/XXXX and initally attributed to my mortgage. Then, on XX/XX/XXXX, the mortgage company rejected the payment, claiming an issue with the prior servicer. That money was never returned to my account or sent back to me. I've called multiple times and been given different information each time. No one at the company can explain why the payment was rejected or where the money is. I was told by a representative on XX/XX/XXXX that a check had been mailed to me with a letter dated XX/XX/XXXX. When I called back on XX/XX/XXXX after not receiving the check, I told told by someone else that no check had never been mailed. I have provided my bank statement to them showing the money was withdrawn by Amerihome from my account and never credited back.
|
| 03/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance.
When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.
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| 09/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
We refinanced our mortgage and the new bank was given the payoff which included all interest and payments etc.for the date of XX/XX/2019. We noticed two withdrawals for PMI during the month of XXXX. The first PMI withdrawal was taken XX/XX/XXXX which was the day after we made our normal XXXX monthly payment. The next PMI payment was withdrawn XX/XX/XXXX which was the day after the new bank completed the pay off. There should not be an additional month of PMI taken because ( 1 ) the payoff was already given to the new bank and had been paid in full, and ( 2 ) because it was below the 78 % threshold of PMI requirements which are pointed out in the disclosure documents. I called the bank to verify and was told that PMI is taken one month in arrears, but no one could explain why the second PMI payment was taken. The second PMI payment needs to be credited back into escrow and sent to me, as it does not belong to the bank since the payoff had already been stated and paid in full.
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| 12/31/2023 |
Yes |
|
- Trouble during payment process
- Payment process
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|
Web |
Servicemember |
|
Prior to XX/XX/2023, my mortgage payment was XXXX, and I received the bill notice and all other correspondence at the address on record ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). Apparently, some time in XXXX or XXXX, the payment increased to XXXX. However, without my consent, all correspondence, including bill notices, from the mortgage servicer, XXXX, were being sent to another address that I did not provide the company. So, I continued making the payment of XXXX. In XXXX, the company returned my payment, so I contacted the company to inquire about what happened.
During that call, I was advised my mortgage payment was past due since XXXX However, prior to the returned XXXX payment, my payments of XXXX were still accepted and not returned. If the payment was insufficient in XXXX, then it was also insufficient in XXXX and XXXX. Unfortunately, several calls later XXXX still refuses resolve a problem that was the result of their action and I am being penalized for it.
|
| 12/20/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is a UDAAP violation. We were enticed to refinance our mortgage with the promotion of a $XXXX credit or a promotional XXXX. To date, we have not received our XXXX. I have been told it would be shipped in a batch shipment from corporate in XX/XX/XXXX. I followed up XX/XX/XXXX asking for a tracking #. I was told it did not ship. I was told they would over night one on XX/XX/XXXX. Then I was told they were at a XX/XX/XXXX party and then they had the XXXX. Then I was told they didn't understand the promotional program ( all in writing all in a series of serveral emails) multiple follow up emails of empty promises . I told them I wanted this escalated to a manager and this was a udaap violation. Now nobody will speak to me.Emails from me asking for updates on the XXXX- XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19-e mail from XXXX XXXX saying on the list to receive it should be going out shortly. XX/XX/19, XX/XX/19- attaching some examples where they say its being sent.
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| 02/23/2023 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
My mortgage company 's : Ameri Home Mortgage I am XXXX XXXX who has been approved to be tax exemption ( from property taxes ) based on my service connected XXXX.
I've reach out to the mortgage company on serval occasions ( XX/XX/XXXX ; twice on XX/XX/XXXX ) regarding reducing my monthly mortgage payment based on my tax exemption.
All documents were submitted in XX/XX/XXXX, after speaking with a representative from the company, the person stated they have all the required documents and it would take XXXX business days to complete the action to reduce the mortgage and XXXX mortgage would reflect the reduction in the mortgage.
As of XX/XX/XXXX no action has taken place to reduce my mortgage.
If the escrow account is short, the mortgage company would immediately take action to send out a notice for payment. I'm requesting that mortgage company take the same action with acting timely to reduce the mortgage based on the tax exemption.
Thank you.
XXXX XXXX
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| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have a complaint against Amerihome Mortgage company. I paid my homeowners insurance out of pocket because I get a substantial discount by doing so. I am trying to find out how I can get reimbursed for the payment I made out of my escrow. I have uploaded my new homeowners policy to them along with the paid receipt and nothing from them.I have been asking the same question for almost 3 weeks now! My first message was sent on XXXX XXXX. No one responds to my messages. You have to go through 5 minutes of prompts when you call customer service, and after that you get to sit on hold for 30-45 minutes, and if you are lucky enough to have someone answer your call, They don't know XXXX! Even tried the chat button and a girl named " XXXX '' suddenly abandoned me on the chat without answering my questions. This banks customer Service in non-existent. Do they not have some obligation to correspond with their clients?
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX
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| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My home mortgage was bought by Amerihome Mortgage. I set up auto pay with them. My mortgage agreement clearly stated NO escrow account for taxes and insurance as I personally review/pay these annually. Amerihome mortgage began, without my permission, have for the last three months added an additional {$1100.00} to the auto payment. I have contacted them 3 times and spoken to three different people. There customer service is a call center and can only write work orders, are unable themselves to escalate the issue and can not give me a name or number to directly talk to Amerihome Mortgage. The work orders just seem to be ignored. At the moment I have no way to resolve this issue and be reimbursed the extra money they have withdrawn from my account. In addition I wonder how many others have had this problem. The extra money they are holding could, if they were doing this to lots of people, could be a substantial benefit to them. Just not sure where to turn now.
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| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
we have our mortgage with AmeriHome Mortgage. We have an escrow account that pays our yearly taxes and insurance. In XX/XX/XXXX our personal insurance company made an error and sent lapse of coverage to AmeriHome. At that time AmeriHome put a forced place insurance policy on our loan and deducted {$1500.00} from our escrow account. OnXX/XX/XXXX AmeriHome paid an insurance premium to our insurance company for {$1400.00}. XXXX XXXX XXXX has contacted AmeriHome on numerous occasions to clarify the error and has sent numerous emails and faxes showing there was no lapse in coverage. I have personally called AmeriHome at least 15 times since then. AmeriHome has sent a letter stating the forceplaced coverage was cancelled but they REFUSE to refund any of the premium ( {$1500.00} ) that was paid out. This incident has made our mortgage payment increase over {$80.00} per month. I contacted the Federal Reserve and they referred me to you. Can you PLEASE HELP ME????
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| 06/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I submitted an escrow analysis request with documentation from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I received XXXX veteran and XXXX exemptions in my annual tax assessment notice effective XX/XX/XXXX. The request to adjust taxes was not approved by Amerihome. My taxes were reduced to {$1400.00} for the XXXX tax year from more than {$9400.00} during XXXX. I am still paying monthly escrow payments of {$1300.00}. As a XXXX XXXX XXXXXXXX veteran and retiree on limited income, I am paying an illegal amount into the escrow, which based on the tax analysis should not exceed {$310.00} per month in XXXX. My current escrow balance as of XXXX XXXX is {$5900.00} based on currently monthly escrow charges of {$1300.00}. This is excessive and is not legal. I have already paid into escrow an amount exceeding my insurance and tax for XXXX. Please assist me in getting my escrow analysis completed based on the new tax assessment and the monthly payment reduced accordingly.
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| 07/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
For XXXX payment, mortgage company pulled from wrong account, tried to call and resolve, was told to send certified check. Sent certified check via XXXX with insurance and signature, mailroom of Amerihome received on XX/XX/XXXX. XXXX still has not cleared as of XX/XX/2023, with letters of late payment, reporting late payment on mine and my husband 's credit report. Called multiple times to resolve and payment still has not been cleared, transferred to multiple supervisors, given false email address to send in proof of payment. Given different ways to " resolve '' the issue, unable to make online payment for XXXX despite supervisor telling me I can make the payment after XX/XX/XXXX online due to their mistake for XXXX payment and having to pay {$130.00} extra for overnight and insurance fees for certified check. We have never missed a payment and a new mortgage company is taking over our loan, we need this resolved and clear our credit of late payment.
|
| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Mortgage company lost our closing bulk check from county tax office.
Closed on our home on XX/XX/XXXX with previous taxes paid by previous owner Loan was accepted by Amerihome mortgage company the same month. In XX/XX/XXXX Amerihome attempted to pay annual taxes to XXXX, NC {$3500.00}. On XXXX XX/XX/XXXX XXXX county sent bulk check # XXXX to accounting to return to Amerihome because they attempted to overpay XXXX taxes. Check was confirmed sent on XX/XX/XXXX. We called Amerihome XX/XX/XXXX and XX/XX/XXXX to initiate an inquiry. We were told to call back in 5 business days. Followed up with a call on XX/XX/XXXX and found out no inquiry had been opened. Amerihome then open an inquiry and asked to be given until XX/XX/XXXX. Attempted to call today with no response, and no virtual support on website. Also no changes to our account. Recieved first mortgage bill which is now incorrect because escrow in short XXXX because of the lost/misapplied bulk check.
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| 01/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On XX/XX/2022 I contacted my mortgage servicer to notify them of hardship and unemployment. The automated system for Amerihome Mortgage informed me that they would send out a package for hardship. On XX/XX/2022 I contacted Amerihome Mortgage to let them know that I did not receive the packet.
When I called, I was given an interview with customer service representative. After the interview, the representative informed me that I was only eligible for a loan modification and I could not request a 6 month extension of forbearance. At this time, I am unemployed and I am requesting a 6 month extension of forbearance. I am reporting Amerihome Mortgage for failing to honor the 18 month forbearance supported by law. I am also reporting Amerihome for failing to provide information in a timely manner. I will be held accountable for late payments due to their failure to provide support.
Please look into this matter as soon as possible. Thank you.
XXXX XXXX
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| 09/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.
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| 04/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received two copies of a hazard insurance bill that is supposed to be paid from escrow by Amerihome Mortgage. I wanted to ensure that Amerihome had also received a copy, so I submitted a question via their secure portal. I received an incomprehensible response that looked like a failed cut/paste attempt.
I filed a second inquiry via the Amerihome portal and got a slightly better response although it, too, had significant problems. For example, it referenced a " proof of insurance '' request which was not the nature of my inquiry.
Both the initial and second responses indicated that I could communicate with the company via chat, but after looking at every screen available to me in the portal, I couldn't find any way to initiate a chat session.
It seems to me that the company has a staff that is improperly trained, and they refer to a function ( " chat '' ) in their standardized correspondence that is not available via the portal I am using.
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| 03/11/2021 |
Yes |
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- Trouble during payment process
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Web |
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I refinanced in XXXX and that company sold my loan to AmeriHome Mortgage. The beginning of XXXX I noticed they did not make note on my first bill that a XXXX payment was made to the original company for {$2100.00}. It showed {$100.00} and nothing to my escrow account. I called then and sent proof of payment. In XXXX, I received an escrow analysis showing I was short {$750.00}. I just refinanced and I doubt within one month my escrow is short. Funny the amount I am short is about {$6.00} difference than what the XXXX amount should have been. I have spent at least 4.5 hours trying to rectify this but they do not return calls or follow through when I ask them to look into this. I am beyond frustrated with this company and I had no choice with who bought my loan. They said there records show a return call on XXXX but no message was left or another call attempted. They return calls in 24 hours and that was my return call from XXXX, way past 24 hours.
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| 07/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I strongly believe Amerihome Mortgage company is committing mortgage fraud and misusing funds in numerous borrowers escrow accounts. This is the second time in XXXX years my mortgage has fluctuated because they misused funds and are holding me account for their mistake. I received a letter in XX/XX/2021 that I was behind in escrow. I called and the mortgage company assured me since its their mistake that they will correct it and I wont be held accountable. I attempted my payment and they never corrected the issue and expect me to pay for the misused funds. I am a XXXX veteran and I dont pay any property taxes and we switched our home insurance and it went down a significant amount so I am not understanding why there is a negative balance and no one can explain it. The customer service representative said we see this kind of thing all the time and if that is the case Amerihome needs examined closely to find why they cant handle funds properly.
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| 08/06/2022 |
Yes |
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- Trouble during payment process
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Web |
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Mortgage is escrowed and they failed to pay the property taxes on time and i received delinquent notice letter from the county, so i decided to pay it and ask the mortgage company to reimburse me. XXXX XXXX charged {$110.00} in late interest and fees that the mortgage company has NOT reimbursed me for and should not send this from my escrow account since this is their fault, not mine. They only sent me an escrow check of {$2500.00}, which wasn't even the full amount i paid but they decided to do an escrow analysis for it. Amerihome is responsible for reimbursing me the {$110.00}, but NOT from my escrow account. This has been a nightmare to get them toe ven reimburse me any portion of my escrow account, when this was their mistake to begin with. See attached letter and property tax payment information showing that I paid the taxes to the county in full, including the {$110.00} in interest/fees. That is the amount i am asking to be reimbursed.
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| 04/03/2023 |
Yes |
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- Trouble during payment process
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Web |
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My wife and I were on a mortgage forbearance because of Covid 19. This ended in XXXX and I received a letter stating that our first payment is due XX/XX/XXXXXXXX. On XX/XX/XXXX I called Amerihome to make a payment and was told that they will withdraw the money that day from my checking account, hold the funds and then apply the funds on XX/XX/XXXX for my XXXX payment.
This is not what happened. They applied my XXXX payment to XXXX even though I didn't owe a payment for XXXX. Now because they screwed up, my payments are a month behind I am getting hit with late fees and and a process server came to my house to serve me papers from Amerihome for non payment. I have been on the phone for hours trying to resolve this issue and I am getting nowhere.
I called last week to request a written copy of all my past correspondence with Amerihome and was told I should get a copy by email within a few days. Its been over a week now and I have nothing.
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| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Months ago when the government announced the record low mortgage loan rates due to COVID-19, I contacted my home loan servicer, Amerihome, to refinance for the low interest rate. I spoke to XXXX XXXX on two separate occasions and she told me each time that because the companies they work with ( escrow and title companies, etc. ) were closed due to the virus, they can not refinance. She also stated their refinancing rates were really high about 6 % to discourage folks from financing or refinancing. She said as soon as the companies they do business with are open again, then they would contact me. I know that for many states businesses have resumed. I still have not heard from Amerihome to refinance so I can get the lowest rate possible before the rate increases. XXXX told me that she was aware that other companies were financing and refinancing and if I had to leave Amerihome to refinance with another company, then I should do that.
.
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| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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-AmeriHome Mortgage Company handles a mortgage for my rental property -A balance was owed on my homeowner insurance 's insurance, provided by XXXX XXXX XXXX This was to be paid out of my mortgage escrow. This payment was due in early XXXX -AmeriHome did not pay this balance despite 5 plus calls from myself ( early XXXX through XXXX ), uploading my policy to their site, and providing them an address to pay this balance - Each time I spoke with them, they promised the payment would be overnighted -I received an email from XXXX XXXX on XX/XX/XXXX stating the balance still had not been paid and my policy would be cancelled XX/XX/XXXX if it was not paid -I called AmeriHome and had to use 2 cellular phones on speaker mode to connect a representative from AmeriHome to a representative from XXXX XXXX -I ultimately had to pay the balance ( approximately {$1500.00} ) out of my own pocket because AmeriHome could/would not make the payment in time
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| 07/25/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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When covid started back in 2020. My husband and I struggled to get back on our feet after my husband got laid off for almost a whole year. I XXXX XXXX XXXX also lost a lot of income because families weren't working, and they were keeping their children home and having to be closed a lot of the time due to covid symptoms and having covid in daycare. We tried to work with our mortgage company, and they denied us with help with getting our mortgage up to date. We started getting back to more normal and my husband had to find a new job due to being laid off for so long. We are finally back on our feet but are late on our mortgage payments. We have asked the mortgage company if I could pay $ XXXX {$10000.00} and they told me I couldn't it had to be the full amount what's due. Through this whole time, they wouldn't let me pay anything unless it was the full amount. Which I think isn't right and was told that's illegal from my counselor.
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| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was originally with XXXX XXXX and was sold to amerihome. Ever since the first payment in XXXX i have had problems trying to make payments. My insurance agency has also sent me letters stateing the payment was past due to them from amerihome. Ive been reaching out to them for a month because they have changed my payment from XXXX to XXXX.they told my payment went up because of taxes and insurance increase. Both are false. I went to both places and neither have gone up. I tried ro make my regular payment and they wont allow me. Ive also talked with XXXX my closing lawyer and XXXX from XXXX XXXX and they both say something is wrong but i cant get speak to no one through amerihome. They keep saying someone is going to call me back but they never do. Today is my final due date and i have my XXXX to make my payment but they wont process it. I need help. Amerihome is the most unorganized, unprofessinal place i have ever delt with.
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| 04/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I pay my mortgage through autopay with my bank. The payment is sent out a day in advance each month. In XXXX, 2018 my mortgage payment was sent to Amerihome and received. On that same day, the company reversed the transaction and, instead of posting the payment to my account, sent the money somewhere else. I have spoken to multiple customer service representatives on multiple dates. They have all told me that there is an internal problem, not to worry, and they would fix it. I was told, multiple times, another department would have to review my account, but it should be fixed shortly. I received an email about a month after my last phone conversation that said they had refunded my payment, and I was a month behind on payments. I have reviewed my account statements many times, I have called my bank, and I can not find any refund of my payment. At this point {$1400.00} has been stollen from me. Please help me to correct this problem.
|
| 10/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.
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| 04/11/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
We had our mortgage financed through AmeriHome. We refinanced in XX/XX/2020, with XXXX. We are owed an escrow refund of over {$3000.00} from AmeriHome. We have called several times since XXXX and have been given various responses saying, the check was on its way. The company clearly has our correct mailing address as we have received our tax paperwork stating we have received our escrow check ( which we have not received ). Each time we call, it is a 1+ hour ordeal and they assure us we will receive our escrow check by the end of the week. When we ask to speak to a supervisor, there is never one available. We are assured one will call us back within 48 hours and that never happens.
When you contact AmeriHome and provide our account number, they will initially say it is an inactive account ( or something similar ) because the loan has been paid off, which adds to the difficulty of getting our escrow check.
Please help us!
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| 05/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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Unfortunately, my loan was sold to Amerihome Mortgage and its been XXXX ever since. In XX/XX/2017 just 3 months after purchasing the home, I had an accident which landed me out of work for 6 months. I sent modification documents to Amerihome Mortgage 21 times. Each time they confirmed they received the documents and would process. Between 10-30 days later i would receive a letter stating there was a page missing or something else was needed, etc. This went on for months until they filed foreclosure. This forced me to file Chapter XXXX Bankruptcy. Since my plan was confirmed i have made all payments to Amerihome. Unfortunately they have not applied the payments properly thus leaving my account in a perpetual past due status. Bankrutcy code states they are required to apply ongoing payments as if the account was never behind. Statements that are paid in full one month will show an amount that is past due for the next month.
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| 06/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX I notified Amerihome that I have paid my homeowners Ins renewal for the year. Amerihome notified me that the loan type requires my homeowners insurance be paid thru escrow and that they would return a check to me in the amount of {$980.00} for the annual payment that I made since they would be paying the renewal.
Over 7 calls, speaking with supervisors at Amerihome, only to be told a different answer each time when following up with the check. Supervisors have said it would be mailed out in 3 days, it would be overnighted, to no check was going to be issued. A supervisor is always scheduled to call and follow up per the request in 24 hours. I have not received 1 phone call. This is my first 2 months with this lending company and it has already been off to a horrible start. It is impossible to get any resolution. I am beyond frustrated after 7 attempts and no follow up from Amerihome as they said they would.
|
| 12/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I applied for a recast of my mortgage to AmeriHome Mortgage ( NMLS ID XXXX ). I received written approval dated XX/XX/2020 to move forward with my request. I wired {$80000.00} on XX/XX/2020 to XXXX Recasts as per the attached instructions. The funds were received and processed on XX/XX/2020.
As in the attached documentation, I was to receive a loan modification agreement 7-10 business days after this. However, I have heard nothing from anyone at AmeriHome. I have called too many times to remember, but each time I do, I hear a different excuse or am put on hold to eventually be disconnected. My wife and I feel like we have been scammed and would appreciate any help.
I would like to add that I have also had my PMI removed from this mortgage with this same company. That transaction was quick and easy. Something is amiss with the recast.
You can attempt to reach them at XXXX or any of the numbers listed on their webpage.
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| 06/22/2018 |
Yes |
|
- Struggling to pay mortgage
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Web |
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I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up.
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information.
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.
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| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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I requested a payoff statement from my mortgage company AmeriHome Mortgage ; dated XX/XX/22.
The interest reflected in the payoff statement is from XX/XX/22 - XX/XX/22 ; in the amount of : {$1200.00}.
This means each day I'm charged interest in the amount of : $ XXXX XXXX = {$41.00} is charged daily for interest.
I went to my bank on XX/XX/22 and wired the payoff amount to AmeriHome on XX/XX/22.
My mortgage was paid off as of XX/XX/22 I'm owed back interest amount from XX/XX/22 XXXX = 28 days I was charged interest for days after I paid off my mortgage and wired the payoff amount to my mortgage company and was never refunded for that amount.
I'm owed $ XXXX * XXXX ( XX/XX/22 - XX/XX/22 ) = {$1100.00} AmeriHome Mortgage charged me interest on a mortgage which I paid off as of XX/XX/22 and has kept that amount and has not refunded me the interest amount that's owed back after paying off my mtg. This is fraud.
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Due to an error in automatic payments my mortgage was delinquent for 3 months. Mail to the address was not being delivered because it was being remodeled and the USPS erroneously held my mail without my request to do so. Once my mail was being deivered again I noted the error and made a bulk payment to pay my missed payments. Now that it is on autopay, everything seems to be working. HOWEVER- the mortgage company holds over XXXX in escrow and despite NUMEROUS attempts, they will not mail me a check. Making matters worse, they somehow applied a portion of my escrow balance to my mortgage in the middle of the month without my consent. Now the city is placing a lien on my property and I am unable to speak to a manager at AmeriHome because their representatives are either poorly trained and will not transfer me or they are inept and can not access information on their own system. I feel like they are holding me hostage.
|
| 12/09/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
My loan with Amerihome Mortgage came off forbearance in XX/XX/XXXX. An escrow anaylysis was done in XX/XX/XXXX that will increase my payments by {$220.00} starting in XX/XX/XXXX. I have contacted this servicer numerous times by phone call and email correspondence to spread the outstanding escrow shortage by 60 months as provided in the XXXX XXXX for XXXX XXXX loans.
I have been unable to get this process done because the lender keeps moving the goal post. At tfirst the XXXX i spoke with said i could just request this over the phone, which i did. but that wasn't enough. Then i got an email that said i needed to send in a " wet signature '' request, which i did. But then again, that wasn't enough because they claim they couldn't open the document i sent it in. I'm not sure what else to do at this time. It seems like this servicer is making XXXX excuses and running circles around me to get me frustrated and give-in.
|
| 01/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same.
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent a email asking Amerihome to up date my new lower tax bill. They replied and said, I would need to wait for analysis in XX/XX/XXXX. Analysis came back with a check, but the numbers were still wrong! They've paid the lower yearly amount of {$1500.00} twice!! I called and asked for a analysis re in- valuation on XXXX spoke to XXXX XXXX Then I spoke to XXXX XXXX I also wrote on the web site. They have been removed ... But my recent messages dates are XXXX XXXX and today XXXX Even with showing them the bill they still insist that my tax bill is {$5500.00}. When in fact it's {$3000.00} Which can lower my mortgage about by {$200.00}. a month. They need help calculating my monthly escrow! Please help me! In a couple of months, I'll be XXXX, I'm XXXX with a fix income! I think their trying to make me lose my home! ... Somebody in there department has dropped the ball and has not up dated their end!
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| 01/21/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
|
Hello, I have a mortgage with Amerihome. They are charging me {$20000.00} and refuse to do a loan modification. as many Americans during the COVID-19 pandemic, I was given a forbearance. I was then given and approved a partial claim - they did not send me paper work until late and then denied my claim because they said I didnt return documents on time. I returned them after I received them. Then then reversed the denial after a multitude of calls and emails and faxes from me. Now, its been 5 months and I have called and faxed and emailed and always get different information. I frequent to speak to a supervisor and they always escalate my call and promise Ill get a call back and NEVER call me back. Ive been dealing with this since XXXX and they are charging me late fees and negative credit reporting, however, no one is working on my loan modification as Im entitled to by the government. I desperately need help.
|
| 11/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am a new homeowner who has had my mortgage for almost 2 years. Amerihome mortgage company has gotten my tax payments incorrect for the last 2 years. I recently refinanced because they were unable to correct the issue which resulted in them issuing me an overpayment in escrow and the city was overpaid taxes which resulted in them issuing me a check for over XXXX. This year the same problem is occurring I have sent them 5 copies of what my tax bill should be for 2021. I have emailed the escrow team on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time they ask me for the same information that has been provided because they have my 2021 tax payment being over {$6000.00} this has resulted in my mortgage payment being well over the amount I refinanced at. With multiple calls they are unable to correct the issue and I worried that the issue will result in me needing to refinance again.
|
| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Company charged two undisclosed fees that amount to an early repayment penalty.
One was charging to fax a payoff quote. This is a normal part of servicing a loan. Providing a pay off amount. It was not disclosed or approved by the borrower ( me ). Second they charged to record a loan release. Similarly It was not disclosed or approved.
Looking at if a different way, if this was not paid, were they not going to remove a lien that had been paid off? The bank here is attempting to make the borrowers bear there costs of early repayment. Neither of these would have been charged if the loan was paid off over it's 30 year amortization and amount to an early repayment penalty. Early repayment penalties are not allowed on consumer loans. It's not a lot of money, so most people would not argue with them over it, but it's not allowed and happening to all their customers. They should refund the {$80.00} to all of them.
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Bought house last year. Received tax Bill XX/XX/XXXX and sent it to mortgage company. Mortgage company did not pay the Bill that was due XX/XX/XXXX. There were 2 bills and they did pay one. Called mortgage company, assured the other would be paid. In XXXX, even though it was due in XXXX. called and spoke with an escalation specialist. Her name was XXXX, employee number XXXX. Called mortgage company several times. Checked with city today. Still not paid, although mortgage company says they sent it XXXX XXXX. In the meantime, the county sent a letter saying if not paid by XX/XX/XXXX, a lien will be placed on my property. Called mortgage company again. Spoke with another escalation specialist named XXXX # XXXX. She said money was sent to another department in their company and then sent by USPS. She could not give me a date or any tracking information.
Company : Amerihome Mortgage, XXXX XXXX XXXX, XXXX NJ XXXX
|
| 03/28/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.
|
| 05/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX/XXXX/2016 I called Amerihome Mortage and asked how to set up automatic payments thur my bank.They said it would be easy. ON XXXX/XXXX/2016 I got an overdue notice from they.I called and wrote and over phone check.On XXXX/XXXX/2016 they took out two payments from my checking account.I called on XXXX/XXXX/2016 and said I want my money back.They said they would send me back one payment.I got both back in checking .So on XXXX/XXXX/2016 I called them and wrote another check for a payment.For some reson that did n't get put in, so I wrote another XXXX on XXXX/XXXX/2016 to them.On XXXX/XXXX/2016 I got a call from them saying I still owed them two payments, i missed 04 and 05.I then faxed them my records .and was told I still owed two payments.ON XXXX/XXXX/2016 I got two calls from them, saying I still have to pay them two months payments.That day I think I talked to them 5 times.And they are not very nice.
|
| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 I received an email stating that my case with Consumer Financial Protection Bureau was closed AmeriHome is claiming that I failed to respond to a request for an affidavit. That is an untrue statement I have proof of my receipt that the package was dropped off at XXXX XXXX on XX/XX/2021, and a XXXX XXXX confirmation that it was received. I have left a message and faxed the proof of my affidavit being received by AmeriHome to the Customer service Manager that made a false statement. This Mortgage company doesn't have anyone with actual knowledge of my case. Every time I call customer services the representative doesn't have any information and tells me to call back within 24-48 hours so that they can get email respond and in return have a response for me. It is impossible to resolve an issue of the magnitude with them without speaking with a person that has information and responses for me.
|
| 10/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
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They did not send me my full escrow balance after I refinanced, they literally sent me a check for XXXX bucks, when I had {$5000.00} in my escrow account. According to my Amerihome account, they sent me the full escrow, which they did not. Secondly, they deducted a {$200.00} mortgage premium payment AFTER the loan was paid off. So, they actually owe me {$5200.00}, because they already deducted XXXX premium in XXXX and the mortgage premium for XXXX was already paid at closing. Of course, they don't even have anyone I can speak with regarding this matter, their reps insist that I send an email, which I did, however they literally take 30 days to respond to them. Therefore, it will be quicker for me to take this up in small claims court, which I will do if this full check in not in my possession by the end of this week. I have uploaded a screenshot of my escrow balance, as well as the check they sent me.
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| 04/24/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
|
My mortgage payment is set up for automatic payment through Amerihome website for over a year. They deducted money from my bank account on the XXXX of XXXX with no issues. Then Amerihome sent me a letter saying the payment got Returned. When I checked my bank account the amount was deducted from my account. When I called the customer rep they keep on blaming my bank and ask for different things every single time. I have sent the bank statement, trace number, transmittal form and letter from my bank manager but Amerihome keeps on making excuses. Manager from Amerihome called and told me they will suppress from reporting to my credit bureau until the dispute is settled but I don't trust them. They never try to help resolve issue or call back. I think this company is a SCAM. They even suggested to pay it again to prevent reporting to credit bureau, a {$3500.00} free money. These people are disgusting.
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| 04/20/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I requested a forbearance on my mortgage and the company made the forbearance retroactive to a period before I applied for the forbearance and only permitted me two months forbearance although the CARE Act permits up to 180 days at the request of the borrower. When I called the mortgage company ( AmerhHome Mortgage ) to request that this issue be fixed they said they would not make any changes that I could call back after the end of the two month period they gave me and ask for an extension. When I told them that the CARE Act permits up to 180 days they said they did not start allowing that until Thursday ( XX/XX/2020 ). When I pointed out that the CARE Act was passed on XX/XX/2020 and that their actions were in violation of the law they said that there was nothing that could be done. I then asked to speak to a supervisor and I was left on hold for over an hour and no one ever picked up the phone.
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| 05/25/2021 |
Yes |
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- Trouble during payment process
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Web |
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My mortgage company says I'm 2 months behind on my payments when twice I have payed on the XXXX of XX/XX/2021 and XX/XX/2021. They sent my payment to the wrong account noted that it was their mistake and processed the payment. A week later I get a letter stating I owe for the last month and this month and also I late fee. I called them on the phone and was told it should have been fixed and someone deleted the work order off my account and did not update it. They said they were sorry for the error and would fix it. The next month I make a payment, which is XX/XX/XXXX, they tell it late and reported it that I didn't make any payments and that I'm late for both payments. As of right now I have a statement stating I still owe XXXX. Which I should be current at this point in time. All attempts to get them to fix my account and rectify the credit reports and late fees have been so far not happened.
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| 07/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020 {$560.00} was taken out of my impound account for no reason given, from Amerihome mortgage company. In XX/XX/2020 when I saw my statement, I saw this error of money taken out. I called them and they told me it was an error and I will be refunded. In XX/XX/2020 no refund arrived. I called back and was told the ( check # XXXX ) was sent out but never cashed. I told them I never received it, they said they will send out a replacement check. In XX/XX/2020 I never received that replacement check, when called back and was told the replacement check would be sent out on XX/XX/2020. Today is XX/XX/2020 and still no replacement check for the {$560.00} that was taken out of my impound account with no explanation ( only calling it misc. and no understanding where that money went ) I would like help in getting back my {$560.00} that was taken wrongfully from my account and I did not agree.
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| 04/27/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
|
My XX/XX/XXXX Statement shows a refund of {$4600.00} from the county taxing authority on XX/XX/XXXX. On XX/XX/XXXX, after not receiving the refund, I called my Lender, Amerihome, to inquire about the refund. I was told during that call that it had been mailed on XX/XX/XXXX, and that I should wait 30 days, before calling back. I called back on XX/XX/XXXX, and was then told that the check didn't actually go out until XX/XX/XXXX, and that I had to wait 30 days from that date. Well, I called today, XX/XX/XXXX, only to be on hold for 20+ minutes. In these lean times that everyone is having to deal with, why am I having to chase down Amerihome to get my refund? Now that I have inquired about the refund, why aren't they being aggressive in keeping me informed? What are they doing with my money? In two weeks, it will be at least two months since they received the refund from the taxing authority.
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| 04/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.
They have not treated me with basic decency and I believe they are purposefully keeping my money.
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| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.
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| 10/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XX/XX/XXXX Amerihome debited my escrow account to pay my property insurance to XXXX XXXX XXXX. According to XXXX is was not received and they lapsed my policy in XXXX. I had contacted both companies and they said it was being processed. In XXXX XXXX stated the check was returned for insufficient information and they extended my insurance. It lapsed again for nonpayment in XX/XX/XXXX which I then paid for out of my pocket. On XX/XX/XXXX my loan was transferred to XXXX XXXX. The balance of the loan and escrow were transferred but Amerihome never credited the amount debited in XX/XX/XXXX from the account. In XX/XX/XXXX XXXX XXXX paid my home insurance from my escrow account ( now paid 3 times : XX/XX/XXXX by Amerihome, XX/XX/XXXX by Me, XX/XX/XXXX by XXXX XXXX ). I was credited my payment from XXXX but was never credited back the amount debited from my escrow account in XX/XX/XXXX 2021
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| 07/28/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.
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| 12/21/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I went to jail for 18 months I came out XX/XX/2021 I called the lender to get a pay off quote to catch up on my mortgage payments and I was never provided with one. My aunt was going to pay the balance and we tried 3 times and I got it by mail a week after the auction. And the bank took it back no bids were made so Im still at the home with a lot of XXXX and stress. I tried getting an attorney almost paid {$11000.00} for his services and it came out to be a scam. I feel this property is worth a lot more now so they took it from me when I was going to catch up on payments. The auction date was XX/XX/2021 on my daughters birthday. I came out XX/XX/2021 by law they were supposed to provide me one with in 7 days. And I never received auction date of the property by certified mail nor did they post it on my door. If theres anything you can help me with even advice I highly appreciate it.
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| 12/27/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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|
Web |
Servicemember |
|
Our loan servicer is Amerihome Mortage company. We took a forbearance for Covid and when that was over, we attempted to resume our payments as usual. They wanted the lump sum at once, which we were unable to do. They instructed us to complete a Loss Mitigation application, which we did. However, they are not allowing us to make any payments towards our mortgage and have not allowed us to make any payments since XXXX. We have contacted them multiple times both online and via phone to attempt to make payments. Now our loan is in default and we could potentially lose our home because they are not allowing us to make our monthly payments. They also send me emails stating I have documents ready to view in my loan portal and then there is nothing there. It has been a communication nightmare trying to deal with this company and we are terrified we are going to lose our home because of it.
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| 11/16/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.
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| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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This Complaint is about me selling my home.
I have sold my home and got the payoff from the company. the first payoff was for XXXX k and change which was good until the 7th then I went to go get another one which was XXXX which was sent to title company and paid off. After the Loan was payoff they said there was missing balance and the new payoff being at XXXX. I have called to ask for the reasoning why and was transfered around to 5 departments that can not answer my question. Now I am left to pay off the XXXX k and change so that the title can be released as they are holding it XXXX without giving me where the exact balance due is and how my principle jumped up XXXX. This is not right and I really need help to figure this out as I also checked online reviews and this doesn't seem like this first time this has happend to a customer of this company called Amerihome mortgage.
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| 08/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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i have been sending electronic checks to my mortgage company for a year. The checks were processed ( according to my bank ). The checks i sent weren't enough to cover my mortgage because my mortgage payment increased almost doubled because of the home insurance. i had no idea. so, they told me that they mailed the checks back to me. i havent received any of the checks the amount is around {$10000.00}. I am trying to get to verify that those checks sent back to me havent been cashed and apply that amount to my account. XX/XX/20 i called and they told me that on XX/XX/20, it would go back on my account and i could pay the difference to get my home out of foreclosure status. today i called and they said they i would have to pay the full amount first and then they would work on the uncashed checks. ive called them about 11 times and have gotten 11 different answers on what to do.
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| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
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|
Web |
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My mortgage loan was transferred from XXXX XXXX servicer ( XXXX ) to new service provider named AmeriHome on XX/XX/2020 but principal loan amount waht new servicer ( AmeriHome ) showing into their system is higher compared to the principal amount it should be.
As per payment history information I have copy from previous loan provider ( XXXX XXXX/XXXX ) it's clearly said on XX/XX/2020 Loan Servicing Transferred with principal Amount of {$500000.00} where as on new Loan Servicer company ( AmeriHome ) keep saying and showing principal amount of {$500000.00}.
I tried to spend few hours on multiple days with AmeriHome support people and send/provide the proof as document ( payment history from previous mortgage servier ) to them as well but they are just throwing me one department/person to other and not getting help at all into resolve this problem as of today XX/XX/2020.
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| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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I have not paid my mortgage for the past 2 months. I applied for refinancing and I got approved but I will have to pay the full amount at the end of the 3 months that I have not paid in lump sum at the end of the period. I'm currently not working because of the Corona virus pandemic as well as being evolved in a XXXX XXXX. I'm currently trying to apply for XXXX benefits due to not being to work.
I wanted to see if I could defer my payments or add them to the end of my mortgage until I get approval from the state for XXXX. I currently am on XXXX and receiving XXXX XXXX to get any help I can for now, I have 2 dependents that I have to care for a XXXX and XXXX year old. My lender is Amerihome, I need help I still want to keep my home and pay my mortgage Just seeing if there's any way that I can defer my payments until I can get better financial help in my hardship situation.
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| 09/12/2017 |
Yes |
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- Trouble during payment process
|
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Web |
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I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ).
Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.
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| 12/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Lender AmeriHome Mortgage Loan # XXXX - CLOSEDXX/XX/2019Customer Service XXXXI refinanced the property, cancelling the loan with AmeriHome on XX/XX/2019. A month later AmeriHome refunded the balance remaining in my escrow account, but not the funds which they claimed they paid XXXX XXXX County property tax XXXX. The County reported that the tax was not paid by Amerihome because it was paid by the title company managing the refi. I have called AmeriHome twice and was disconnected both times when asking to speak with a supervisor. I filed a complaint on their site and received an unsatisfactory response. I tried chatting on their website and got routed to a page that does not exist.If the money were sent to the County, I could accept a delay. In this case XXXX XXXX who handles payments for AmeriHome did not send the check. How can I recover the XXXX?XXXX XXXX
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| 02/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC.
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information.
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I have tried over the last 16 months to have my mortgage insurance removed. I was told by AmeriHome mortgage ( my lender ) that I must wait two years before they would even look at my request. Now after sending another email and making a phone call to XXXX then I asked for his supervisor XXXX, I was told they wont even respond to my request for 30 days, when their website states five days! I found out once the home is funded and recorded, mortgage insurance may be removed after a 30 day period, as long as the home qualifies. I have been in my home over Two years now and never missed or late with the payment and have updated the home with at least {$30000.00} in improvements. Not to mention the home value increase of 10 % at minimum in my subdivision. Not sure why this company is allowed to rip off its clients like this?? I have also copied Governor XXXX on my issue.
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| 02/20/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
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Our Complaint is about Amerihome Mortgage company They are holding uncashed checks racking up late charges and penalties.
on XX/XX/XXXX a check for XXXX was sent to Amerihome mortgage along with a check for XXXX monthly payment. They cashed the XXXX check on XX/XX/XXXX and we placed the balance of the Mortgage on XX/XX/XXXX as well. the XXXX made it to our mortgage payment but the XXXX never made it to pay off our partial claim. that check has disappeared and the XXXX dollar payment that we placed never made it to the proper month. it was placed on XXXX payment and not XXXX payment. We called and had then change the XXXX several times and it still has not made the XXXX payment. We are also missing XXXX for XXXX payment and XXXX for XXXX payment aws well. We know they are receiving the checks because the XXXX one was cashed. we need help and dont knwo where to go.
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| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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XXXX Mortgage They have lost or failed to process our payments which were made in plenty of time resulting in late payment fees! We were sending payment postmarked weeks before payment is due on the XXXX. They do not seem to even have a 3 day window grace period given that we can not control the timing of the United States Postal Service.
When I looked at reviews there were several of these types of complaints.
We will be paying electronically from now on but this has happened twice. This is a XXXX home. We have never ever had any late or missing payments for our current mortgage with XXXX XXXX.
I feel they are deliberately not processing payments based on the recent reviews and complaints and need to be investigated for this practice. Not sure how I can switch mortgage lenders without refinancing but will be looking into it. This can potentially hurt credit.
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| 10/19/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.
I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
i pay the principal now i reach 69.75 %.
they said to remove the pmi need reach 65 % my loan is conventional.
they said : Currently your LTV is 69.75 %. Additionally, and your loan is seasoned less than two years. As your loan secures an Investment property and/or Multi-Unit property, the LTV must be at 65.00 % or less to qualify for PMI removal XXXXased on the Original Value of your loan, via paying down the principal balance of your loan.
If you wish to proceed with removal of PMI, you have the following options available : Original Value Removal Option You may pursue PMI cancellation based on the Original Value of the property determined at closing. You can make a pay-down towards the principal balance of your loan to reach the required 65.00 %. As of today, the required amount needed to reach the required 65.00 % for PMI removal is {$32000.00}.
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
To whom it may concern : Amerihome Mortgage - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with AMERIHOME LLC mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX.
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau.
If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue.
Regards, XXXX XXXX ( XXXX ) XXXX
|
| 10/07/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I had no issues requesting 12 months covid hardship forbearance, plus an additional 3 month extension directly online with a click of a few buttons for my VA backed mortgage.
I requested my final extension of my covid hardship forbearance on XX/XX/XXXX over the phone to Amerihome Mortgage, about a week before my current forbearance was due to expire. According to the VA I have the ability to request the second 3 month extension to my forbearance, and according to the VA XXXX, the servicer of the mortgage will aprove the forbearance.
Now 2 weeks later, the mortgage company says they have to send a packet to me so I can prove I have a covid hardship, while technically without the approval, right now I am in default. From what I gather, they are not allowed to require documentation for my hardship and must approve if I request the additional forbearance.
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called Amerihome several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. Amerihome continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve.
There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct.
I called CFPB and rep said I should file a complaint
|
| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Our new home mortgage was acquired by XXXX XX/XX/XXXX. Our escrow account was funded with over $ XXXX at that time for taxes due XX/XX/XXXX. 4 months later on XX/XX/XXXX XXXX sent over $ XXXX in payments from my escrow account t for taxes on homes I do not own. I made XXXX calls and got someone who said they 'd address in XXXX weeks. On XX/XX/XXXX $ XXXX payment was disbursed from my escrow for accounts that are not mine. It 's currently XX/XX/XXXX and my valid tax accounts are unpaid.
XXXX has XXXX tax accounts associated to my escrow account that are invalid. I fear there are many more payments to be made in the coming days and their customer service has not addressed the issue.
Once these funds are refunded to me we will refinance through a real bank. Can you help us get our funds back and stop the erroneous disbursements from our escrow account?
|
| 10/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, my partner and I contacted AmeriHome to request an extension on our pandemic-related forbearance. According to the CARES Act law, it was within our rights to receive a forbearance for up to another 6 months.
AmeriHome replied and asked that we contact them via Secure Messaging. So I had to resend the request immediately through secure messaging.
On XXXX, we recieved a message saying that we had to call to review options. We tried calling, and were told to reapply online. When we reapplied online, we recieved a message to call.
Over that next 3-4 weeks, I continued to email Amerihome asking if this meant that our extension was denied. Their response was that they " already responded to our inquiry ''. Their additional response said that we were now due for monthly mortgage payments as of XX/XX/XXXX and that the forbearance has ended.
|
| 12/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2020 a " Refund to Borrower '' in the amount of {$700.00} shows on my loan activity from my escrow account. I never received the check for {$700.00}. They now say that the money was refunded into my escrow account, but the balance sheet does not show {$700.00} returning to the account. I have called several times and they say they will look into it and get back with me. I have never received a call back. Every time I call they say they have to research it in a department that doesn't take incoming calls, or the wrong work order was made and they're redoing it. This has been going on for 3-4 months, because they say I have to wait 3 weeks to receive the check. So I wait, it never arrives, i call back and the excuses begin again.
In the online portal I can clearly see the money was distributed from the escrow account and to date never returned.
|
| 08/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
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I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ).
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )
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| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently refinanced my mortgage which was purchased by Amerihome. My first payment was due XX/XX/XXXX, which I paid on time. I have paid on time every month since. The checks have cleared my bank and have been accepted by Amerihome. Their website shows they have have received the payments ( screenshot enclosed ). However, to date there is {$11000.00} " suspended '' by the company and not being applied to my mortgage. I have since fallen into collections for a mistake made by them that no one can explain or is willing to fix. I have made more than a dozen phone calls and have waited hours on hold but no one can or will fix this problem. I have been told several times by many customer service reps that it would be taken care of " in three days '', but that has not happened. I have been waiting for a supervisor to call me back, but they have not.
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| 01/31/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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This is a continuation of complaint XXXX. Amerihome after not responding to my phone calls placed my home into the foreclosure process at the end of XX/XX/2022. Prior to getting a foreclosure notice I submitted documentation to Amerihome for a loan modification. Once I got the foreclosure notice from the lawyer I immediately applied for the XXXX XXXX XXXX XXXX XXXX since I fell behind on payments due to XXXX. Both the law firm and Amerihome confirmed that foreclosure proceedings have been halted. With that in mind, I want written confirmation that I will not have any negative credit reporting during this time period. Amerihome has been unwilling to accept my mortgage payments, and negative credit reporting would both be unfair and detrimental considering my payments wont be accepted. I've included the XXXX confirmation letter for reference.
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| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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During the process of submitting for a loan modification, I was told my Amerihomes that there would be no negative reporting or credit activity sent to the credit bureau 's. They failed to process my application in a timely manner which was specified for 30 days on the app and reported my payment late for the month of XXXX. I have been lied to and mislead so many times by this company. Every time I call someone tells me something different than what was advised from the prior rep. I was told that it was initiated already to reverse the negative reporting on XX/XX/2023 and then I called back and XXXX stated she saw no record. I sent in a letter to dispute the reporting on XX/XX/2023 to XXXX XXXX XXXX XXXX, NJ XXXX. Every time I call to follow up I'm told they don't have any correspondence from me. Please help me to resolve this issue. Thanks
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| 11/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX.
At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference.
In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %.
Can you confirm if this is accurate? I feel as if we are being strung along.
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| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have contacted Amerihome several times to have this issue resolved. My loan company service provider sold my loan to Amerihome and sent them my check for the first mortgage payment. When Amerihome cashed the check, they cashed the check {$400.00} short and applied the amount as a principal payment instead of a mortgage payment. I spoke with a rep who told me to make the additional {$400.00} payment as a principal only payment. They would combine the two principal only payment and apply as a single mortgage payment. It has been weeks. I've called several different times and the incompetent customer service representatives have advised me that the update has been made, but it is not updated on my online account. The last representative informed me that the representatives keep closing out the request without actually doing anything.
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| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome lost a payment that was wired to them from XXXX XXXX XXXX, and are not properly investigating the issue. My XX/XX/2021 mortgage payment was made on XX/XX/XXXX, for the amount of {$1200.00} to my previous service provider, XXXX XXXX XXXX XXXX XXXX. {$1100.00} would have gone to my monthly due, with an additional {$100.00} made to principal. The confirmation number for the payment was XXXX. My mortgage was transferred to Amerihome Mortgage Company , LLC from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. They made a wire transfer to Amerihome on the same day for that amount, under my previous loan number. Amerihome has failed to resolve this issue over numerous phone calls made. My current balance with Amerihome is inaccurate, and my account is erroneously listed as past due and needs to be adjusted to reflect the correct balance.
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| 09/10/2021 |
Yes |
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- Trouble during payment process
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Web |
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I had a mortgage with Amerihome and it was sold to XXXX XXXX on XX/XX/XXXX. After confirming the amount of my escrow transfer with XXXX XXXX, I noticed a discrepancy. After reviewing the Annual Escrow Account Disclosure Statement from Amerihome, I noticed that Amerihome took FHA MIP, which is {$190.00} a month, twice in XX/XX/XXXX. I have called Amerihome at least 5 times regarding getting {$190.00} refunded to me and I am told it is not possible or that I need to call XXXX XXXX to ask for the refund. This FHA MIP was taken out by Amerihome ( before the loan was sold ) so it is their responsibility. Also, each time I call, I ask to speak to a supervisor, and I am told that a supervisor will call me in 3-5 business days and I do not receive any call backs. I need help getting this money refunded back to me.
Thank you, XXXX XXXX
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| 04/30/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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AmeriHome is not complying with the CARES Act. AmeriHome has actively deceived me. I asked for a deferment for my VA-backed loan. AmeriHome activated a loan modification instead of the deferment, with very unfavorable terms, without my consent.
Forbearance period XX/XX/XXXX through XX/XX/XXXX.
Requested deferment XX/XX/XXXX AmeriHome sent Loan Modification instead of deferment. XX/XX/XXXX Contacted AmeriHome XX/XX/XXXX. They refused Deferment option described in the CARES Act for VA-backed loans.
AmeriHome is trying to bully homeowners into foreclosure or unfavorable loan modifications without following the CARES Act. AmeriHome is a collections agency. They have no incentive to help homeowners. Talking to the collections agency employees makes it clear they want to foreclose or charge huge fees for loan modifications.
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| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was charged {$790.00} for my mortgage payment instead of the usual {$620.00} with NO notification whether by email or mail.
XXXX bill shows {$1200.00} due. Website shows the amount due is {$1500.00}. Which is which?
Customer service advised an escrow analysis had been performed. I was NOT notified.
Result is a shortage in my escrow. I was NOT notified, nor given an opportunity to repay it. I was just charged with NO notice of any changes to the payment.
No escrow documents available on website since XX/XX/2020. Rep Informed the website down for 2.5 weeks! NO updates are showing up.
I am unable to pay escrow shortage of {$1900.00} as it doesn't show anywhere on the website.
Rep advised that the escrow '' cushion '' formula had been affected by the increase and causing an additional amount being due for the cushion.
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| 03/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was expecting that I will have a fix payment. I notice an e-mail from Amerihome Mortgage related to the COVID19. When I logon into the page I saw that there were a message saying that something changed when I go through the notifications and my statement I saw an increase in my mortgage payment over {$400.00} and it says that it is due to my escrow balance. I got my homestead exemption and the insurance increases few dollars. Im just surprised and I just can not afford an increase of {$400.00} I just cant afford it so I need that this bank listen and review and research and adjust my monthly payments in a timely manner because I dont want to lose the house. Im not trying to play violins with a drama story but get this house was very difficult, even using a county down payment that I cant payback in the next 6 years.
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| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have tried for several days to speak to someone about my mortgage. They WILL NOT allow you to speak to an agent / no one answers the call. How can this be allowed?? A mortgage is most people 's largest financial investment that they ever make and this company is absolutely not fit to be in business. Their web tools do not work. I have 2 mortgages with this company because the bought my loans. I did not choose them. How can CFPB allow a company to act this way with such horrible customer service? This is an industry that is too important to allow a company like amerihome to take over my mortgage without my choosing or consent and then not provide a usable website or any live agents. This is insane. I can easily get someone on the phone for any service that I use but I can't get a live service agent on a mortgage??!!
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| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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i recently refinanced, and the mortgage was sold to Amerihome mortgage. My homeowners insurance information was in the mortgage applications, but I received a note after the sale of the mortgage directing me to a very unprofessional website with no identification saying that I needed to enter my insurance information into the website. The letter had no identification that showed it was from the new servicer. After a second notice, I called the servicer that it was valid. I entered the homeowners insurance information into the website.
I recently got another letter saying that the final notice on the insurance information even though they had it already and if I didn't provide it, they would input their own insurance. I feel this is and attempt to fraudulently switch my insurance to provider under their control.
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| 05/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I mailed a check in the amount of {$2600.00} on XX/XX/2021. {$610.00} was the regular payment with {$2000.00} going toward the principal. It cleared my bank on XX/XX/2021, but was never applied to my account. I have phoned the company 4 times, e-mailed twice ( with a copy of the cancelled check ), and mailed a letter ( with a copy of the cancelled check enclosed ). The last call I made I talked to XXXX. I asked to speak to a supervisor or anyone who could actually do something to correct the problem. He said no supervisor was available and even if there was one they would tell me the same. The company has all the aforementioned documents, but the amount has not been applied to my account. The phone call before that was to a XXXX who said it would be expedited and applied to my account no later than XX/XX/2021.
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| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This issue cause my credit to take a dive with XX/XX/2019transactions. I could not understand why my score was so low. I just paid of a home through a sell. AmeriHome is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP
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| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was transferred to company.
Company issued two insurance escrow payments to incorrect address. I paid the insurance premiums myself for past two years and provided proof of payment.
Company support team members unable to offer assistance keep transferring me and providing no help. Opened 3 support tickets on website that the company closed with providing no help. I sent them proof of payment and requested this year to not send payment to insurance company. Still sent payment to wrong address/lost payment.
XX/XX/XXXX {$580.00} insurance escrow mailed to unknown location XX/XX/XXXX {$540.00} insurance escrow mailed to unknown location Company transferred my mortgage to another lender providing no support.
XXXX shows numerous complaints about company improperly managing escrow payments. https : XXXX
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| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2020, the property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX was under contract and set to close at the end of the month. With that being said the payoff had been sent and was awaiting the closing instructions from the attorney and lenders. The intended buyer was laid off due to COVID issues at her job. When this occurred it was XX/XX/XXXX. As soon as I, ( the owner ) was notified the sale would not go through I paid the mortgage for the month. Amerihome reported the payment as late. I have NEVER had a late payment or missed any payments with any company. The home went back on the market and closed in XXXX. However, this late payment ( derogatory payment ) went on my credit report and has affected my credit score.
Please assist me with removing this erroneous error.
The loan number is XXXX
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| 03/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.
|
| 12/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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The state of Florida 's Homeowners Assistance Fund program agreed to make monthly mortgage payments of {$3600.00} for eight months to the mortgage company Amerihome Mortgage starting XX/XX/2022. As of today, only the XXXX payment was received, processed, and credited to the mortgage account and the mortgage company has not credited the last XXXX months of payments. I have received a letter in XX/XX/2022, from Amerihome Mortgage stating that I am not late on the mortgage and have not been late for the past two years, but the credit bureaus report that I was 30 and 60 days late on the mortgage payments. I have requested for the mortgage company and the credit bureaus to stop violating the F.C.R.A. by knowingly reporting erroneous information on my credit report, but they refuse to make the corrections.
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| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We were solicited several times by Amerihome to refinance our mortgage and get cash back for home improvements at closing. After our appraisal, we did not refinance because it did not meet the amount we wanted back, BUT we were told by the loan officer that we would at least be able to drop PMI. He gave us contact info, we submitted our information along with the appraisal ordered by Amerihome we had just paid {$450.00} for. We have been checking on status getting strung along by the PMI department for two months, and received an email today, poorly written, saying our appraisal is only good 3 months after closing so we are denied to drop PMI???? What??? We applied to drop it right away months ago, we never closed on any refinance, and the loan to value is well within range. HELP!!! THIS IS WRONG!!!!
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| 10/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Ended forbearance at end of XXXX. Paid amount due in full. Need letter stating no longer in forbearance AND balance due was paid in full. I have been on the phone with Amerihome mortgage at least 5 times over the last 3 months and promised a letter stating the above. Have never got a letter stating forbearance ended AND past amount due paid in full. I can not get another loan approved until XXXX gets these letters. I have been trying for 2 months to get these letters. I call every two weeks. The lack of letters ( and my inability to get a loan I qualify for ) is causing financial hardship due to Amerihome incompetence. The agents there try, but the request gets passed to a different department that keeps sending form letters that aren't what I need. Three months in. No end in sight. Please help.
|
| 07/14/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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I have been working with my lender continuously trying to get a resolution we continue to get the run around. I have sent several authorizations to the same fax number that they provided and clearly received because they were able to locate the documents before.
Now they keep advising that they don't have it when I am receiving confirmation faxes that they have it.
My counselor XXXX who was been helping for over 6 months trying to help me save my home from Amerihome has been advised several times now that they don't have documents or documents expire and its just a mess.
I am a veteran trying to save my home and just need help with these people! They have terrible customer service and don't care about what happens to customers. They continue to misplace my documents and let them expire.
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have been trying to pay off a mortgage with Amerihome Mortgage. My bank sent them a bank check on XX/XX/22. They sent the check back. I called them twice in XXXX and the second time, the representative stated that they would take XXXX payments. I have sent them those payments daily up to the balance due. They took both XXXX and XXXX mortgage payments out before they were due. I did not authorize this! I just want to pay off this mortgage. My last call was with XXXX from the Resolution Department on XX/XX/22. He said they are holding the last XXXX in an account!! He said he could not accept this payment. Why were they able to take all the other payments?? Meanwhile, I am getting charged fees. I would like this paid off as soon as possible and all my over payments paid back to me.
XXXX XXXX
|
| 12/18/2022 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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In XX/XX/2022 we purchased a home using XXXX XXXX company. During XXXX and XXXX we paid them {$180000.00}. They sold our loan to Amerihome Mortgage. During this process our extra payments got lost. XXXX XXXX says the money was transferred. Amerihome says they can't find it. Every time I call Amerihome I speak to a different person and get different answers to the same question. Finally they gave me an email address to file a complaint with. Two weeks later when I checked on my email I was told they no longer use that email address, and to file my complaint using a different method.
Amerihome has copies of my bank statements and a copy of the payment history from XXXX. The problem is every time I contact them they tell me a different date of when I can get them to address this situation.
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| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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To whom it may concern, I lost my husband recently. My husband bought this home for me and now i am losing it in foreclosure. I am a widow and i am XXXX and the bank is taking advantage of me. I am trying to do a short sale on my home so I can move on from this nightmare. The problem is the short sale packet the lender emailed was not readable. I requested for the short sale packet to be resend but the lender is giving me the runaround. I have been on the phone with them numerous times and usually placed on very very long holds. All I want them to do is resend me a short sale packet so I can sell my house before the sale date which is on XX/XX/XXXX. Please help me because they are not emailing me another short sale packet which could result in my house going into foreclosure on XX/XX/XXXX.
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I refinanced our mortgage in XXXX and paid off Amerihome Mortgage Company on/around XXXX XX/XX/2020. I still have not received the remaining balance ( {$2000.00} ) from them. I have called twice and also opened a case online. Each time, I have been told it has been processed and to wait 10 days. The last time I called ( week of XXXX XXXX XXXX ), I requested an expedited check and was denied because they said it had been processed in late XXXX and was in transit.
I understand there is a regulation that excess funds must be returned by the lender within 20 business days and this has clearly not happened despite my repeated attempts at resolution. Interestingly, I just received my Form 1098 from them indicating that the {$2000.00} has been refunded.
I appreciate any help you can provide.
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| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I am working with the Florida XXXX Homeowners Assistance Fund and was awarded 18 months of mortgage assistance with Amerihome Mortgage company which began on XX/XX/2022. However, Florida XXXX Homeowners Assistance Fund ( HAF ) repeatedly states they sent the XXXX payment to my servicer on XX/XX/2022, but my servicer repeatedly states they have not received it. The way the process works is that HAF sends the servicer one lump sum check with payments to be applied to each individual customer 's account, not individual checks. It has been almost a month and still no payment has been applied to my account. It should not take a month to receive/apply a payment. I had to borrow the money and make this payment myself today to avoid getting a 30-day late notice on my credit report. Please help.
|
| 11/04/2022 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
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I was in forbearance due to covid. It ended XX/XX/2022. I am in the process of applying for a modification. I have had to send the app twice. I called on XX/XX/XXXX to check on status and make a mortgage payment and was told i could not make a payment and that my house was already under foreclosure. I was not even late on a payment so to prevent me from paying my mortgage and placing me in foreclosure putting me in an even worse situation is unbelievable. Noone called to follow up like they said they would. It is now XXXX and my modification app is still pending. No idea when that will be done and noone has called to speak to me about it. I cant access my account online. There is no true system in place to help anyone. THEY WONT LET ME PAY MY MORTGAGE. I WAS NOT EVEN LATE YET. NOW I AM.
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| 08/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I was on a Covid FB plan for a few months and in XXXX I accepted a Covid Deferral but I feel the deferral was not processed correctly as they did not defer the escrow payments ( which I read should be deferred on a XXXX Loan ) I tried to contact them on the issue and have spent 15-20 minutes last week and 15-20 this week just trying to get to someone who can help me. I was told by customer service I need to speak to Loss Mit and then by Loss Mit that I need to speak to customer service all while not allowing me to speak to a sup about the issue with what they claim is an over {$4000.00} escrow shortage. I have been hung up and today while explaining my issue was transferred back into the call queue. I have asked for a Sup or anyone to assist with my issue and have gotten zero help.
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| 12/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I sent a loss mitigation package and third party authorization to AmeriHome Mortgage by fax on XX/XX/2020.
I called Amerihome Mortgage and spoke to XXXX XXXX on ID # XXXX on XX/XX/2020, who confirmed the loss mitigation package was received and was sitting in the mailroom in the financial inbox. She confirmed the package was received on XX/XX/2020. No letter was sent to the borrower and the file was not assigned to anyone. She told me would escalate the file and would have the file assigned and opened.
I called Amerihome Mortgage on XX/XX/2020, and was on the phone for over an hour and spoke to Ms. XXXX ID # XXXX who also confirmed the loss mitigation package was received and not assigned. She spent the time on the phone with me and sent emails to the loss mitigation department.
|
| 07/21/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Amerihomes listed on my credit report that I had 30 days late marks on their account XXXX, XXXX, XXXX XXXX and XXXX of 2020. Previously they said that I miss a payment in XXXX of 2020. I showed them proof of payment and had correspondence with their loan administration department to resolve the issue. A department person said that while we were trying to resolve where the missing payment came from, they gave me a 'Rolling 30 ' which means that even though I continued to make my payments on time, they were reporting that I was 30 days late and putting those marks on my credit report.
This is an extremely unfair practice because I assumed that we were trying to resolve the issue together and Amerihomes was going behind my back and reporting negative information on my credit report.
|
| 02/09/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?
|
| 06/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have automatic payment due for the XXXX of the month. They took XXXX payment on XX/XX/XXXX and we were in the negative because of it. We called to change the due for XX/XX/XXXX and every month after that. We noticed they took another payment on XX/XX/XXXX and that made it double payments put us in the minus again. We attempted several times to correct it, but they put us on hold for 30 minutes and then kicked us off the line. One of them who did that is XXXX and XXXX. All that because our loan was sold and they dont care anymore, to the point that I can not change anything on line. I have to call for everything. And out of one of these calls, I found out my loan has been sold. So far, I did not receive anything about it and who will receive the next payment. AmeriHome or XXXX.
|
| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Greetings, I recently refinanced my home ( closed in XXXX of XXXX ). My previous mortgage company claims they made a tax payment at the end of XXXX. The closing company for my new mortgage company actually made the payment ( see attached files from the county with XXXX XXXX referenced as the company that paid the taxes ). I wrote AmeriHome, my previous mortgage company, with a written complaint. It arrived at their offices on XX/XX/XXXX and I still have not received any written correspondence as of XX/XX/XXXX even though their website claims they will respond confirming the receipt of my complaint and address it.
I have included the county tax records here showing that AmeriHome did not make the payment they claim they did.
Thank you for your assistance, ( XXXX XXXX XXXX XXXX
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| 04/12/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
Our VA mortgage is was purchased by Amerihome since we closed with XXXX XXXX. We are now in the process of selling our house and will be allowing the buyers to assume the loan.
Amerihome has refused to let us speak to anyone regarding the assumption process. We are now unable to check on the status of the assumption or relay to the buyers any information about the expected waiting time for the assumption process to be complete. I acknowledge that the process can be lengthy, however, we can't even get anyone from Amerihome to talk with us regarding the matter. We have made multiple calls to the customer service line asking to be put through to the " XXXX XXXX '' and every time we are told it is not possible and that there is no one to speak to for assistance.
XXXX XXXX XXXX
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| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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- We bought a new home lateXX/XX/XXXX with a loan principal of {$390000.00} being serviced by Amerihome Mortgage Company.
- We made a Principal Curtailment ( Principal Reduction ) payment of {$59000.00} in XX/XX/XXXX to bring the loan to value to below 80 %. We included the requested letter of intent that we were making this payment in order to remove the PMI ( Private Mortgage Insurance ) from our loan.
- The PMI wasn't removed and the payments have been included each month.
- When we became aware that the PMI payments hadn't ceased, I called into the mortgage company to have the monthly PMI payments cease and the erroneous payments be credited back to our account.
- The agent gave inaccurate information and requested additional documentation that we had already provided.
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| 09/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I notified AmeriHome that I was impacted by COVID-19 and had a reduction in income. AmeriHome informed me that I would have no payments due until XX/XX/XXXX however I got a statement on XX/XX/XXXX informing me that I was past due on my account. Not only did they tell me that I needed to make a double payment, they also charged me a {$160.00} late fee.
I called the company and they told me they waived the late fee, but that is not satisfactory for a number of reason : ( 1 ) this is going to happen again next month and I was told that I'll have to call back in ( 2 ) this could impact my credit score if I'm reported as past due and ( 3 ) this could cause other customers in a similar situation to become confused and feel like they have to make a payment when it is not required.
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| 06/15/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/19 my mom who is living in my 2nd home and making payments directly to amerihome mortgage company submitted a check to the bank to pay the mortgage was inputed incorrectly by the bank teller. The payment to amerihome then bounced due to insufficient funds due to teller error. Amerihome was contacted numerous times ( over 10 to correct the " NSF fee, Late fee and other fees '' ) they would not. We have contacted the bank in which they wrote a letter describing what had happened and that the fees should not be applied to our account. Now battling with Amerihome they will not help us out whatsoever and in the mean time my credit has bee effected by over 140 points in the negitive. I am very upset over this because I take great pride in having stellar credit. I need help.
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| 02/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company ( AmeriHome ) sent me notice that my insurance policy was ending in 15days. I reached out to the insurance agent, who informed me that the mortgage company was billed for the insurance.
Now I have reached out several times to the mortgage company to see what is going on and can not get any response. I emailed customer service, sent a message through their website, and I have called and never been able to reach an agent/person.
This is the second time in which the mortgage company has been completely unresponsive during a serious and time sensitive issue, that has been caused due to their mishandling. What am I supposed to do if I have no possible way to contact the mortgage company at all, and they are responsible for having the issues taken care of?
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| 05/12/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This complaint involves AmeriHome Mortgage. They service my VA loan. Since the last week of XXXX this company insists I have no Home owners insurance. My insurance agent and myself have supplied them proof of insurance on three separate occasions over the intervening 6 weeks. Today I received another letter from them stating they have documented the renewal of my policy and dispersed the funds. They however still claim that their was a three month lapse in coverage and they will purchase coverage for that and have started a debt collection proceeding. They have received copies of the coverage that was valid during the contested period. I even tried to upload the document again upon receipt of todays letter however their own site states that the document is already on file.
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I reached out to AmeriHome in XXXX of XXXX to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take 10 business days for them to process the request to determine IF I was eligible for assistance. Consequently AmeriHome reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take 10 business days to approve when clients need assistance right away.
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| 09/21/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.
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| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2019, I emailed a request for name change with all requested documents ( requested by Amerihome Mortgage, my mortgage provider ). Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019.
Further, on XX/XX/2019 I emailed a request to draft my payments from a new account. Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019.
I spent 20 minutes on the phone with them ( one line staff, one supervisor ) today trying to resolve this issue. They claim they sent the draft change today for processing and could not find the name change document.
They are unresponsive, waste my time, and I'd like to waste theirs by having to respond to you about their lack of service.
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| 02/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I got my home mortgage refinanced with a new lender, the closing date being XX/XX/2020. It's 73 days past, but I haven't received the escrow balance refund cheque from Amerihome Mortgage Company ( old leader ). I did multiple follow-ups with their customer service but always got a canned answer that the cheque will be mailed in 2 weeks. Amerihome has uploaded the scanned copy of the cheque onto my loan account on their website ; I guess to show on record that they are compliant but never have mailed the physical cheque to me ; maybe the cover-up reason from their end would be 'the cheque was mailed, but it got misplaced '! I want to bring to the CFPB 's notice the malpractices followed by these home mortgage companies and seek remediation on the above complaint.
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| 08/09/2019 |
Yes |
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- Trouble during payment process
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Web |
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I have an FHA loan on a property at XXXX XXXX XXXX, XXXX, MD XXXX that was sold to Amerihome. Since XX/XX/XXXX Amerihome has claimed that I am past due and even threatened foreclosure. When I obtained the loan through XXXX I paid an extra payment at closing so that I would always be one month ahead. In XX/XX/XXXX Amerihome stopped sending statements to me ( after I declined a refinance offer ) and misprocessed an electronic payment. I have a copy of transactions back to XX/XX/XXXX ( when I switched banks due to an identity theft ) and since then, Amerihome has received {>= $1,000,000} in payments. So that is 14 monthly payments of {$2500.00} since XX/XX/XXXX and along with the payment I made at closing, I should be one month ahead not behind as Amerihome claims.
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| 11/23/2019 |
Yes |
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- Trouble during payment process
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Web |
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XX/XX/21 I signed into the website to make a payment. It was so stressful then by the time I got signed in it wouldnt take my payment. So I called them. Well since they recently sold my loan to another company it was too new of an account so thats why it wouldnt allow me to. Then they wanted to charge XXXX $ to take the payment over the phone and XXXX $ thru the on- line system. This is not right! I didnt pay it I went to the post office and sent a money order because they said my online bill pay from my bank could get lost in the mail and to send a regular check, which that makes no sense! Still cost me just as much because I needed delivery confirmation! Its very stressful! I bought Money order too because I wasnt about to send a personal check to get lost
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| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Amerihome Mortgage acknowledged they made a mistake and combined both our loans ( one is our primary home and one is a rental ) in XXXX of 2022. They also acknowledged they switched the loan numbers and failed to pay taxes on both properties. They also contacted the insurance companies and asked them to update the loan number attached to the address to the WRONG address. They acknowledged all these mistakes and more HOWEVER, it is XX/XX/2022 and these problems have not been rectified. HOW LONG DOES IT TAKE TO ASSOCIATE THE ADDRESS WITH THE CORRECT LOAN NUMBER AND PARCEL NUMBERS? HOW LONG DOES IT TAKE TO DO AN ESCROW ANALYSIS TO INSURE THE HOMEOWNER DOESNT HAVE ANY MORE MONEY STOLEN FROM THEIR ESCROW ACCOUNTS DUE TO AN INTERNAL PROCESSING ERROR BY AMERIHOME?
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| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Per the CARES ACT I am entitled to a 12-month forbearance on my XXXX XXXX owned loan which is serviced by Amerihome Mortgage. I have been granted an initial 6-month forbearance which is scheduled to expire on XX/XX/2020. I have requested an additional 6-month extension but this was denied by Amerihome.
Instead of granting the extension, Amerihome has XXXX my access to certain parts of my account on their website and sent me this false statement saying i need to get the loan current immediately. I did not request to get the loan current just yet, i requested an extension. This servicer is intimidating me, they never pickup the phone when you call and they do not respond to mailed requests for information. See attached false statement/letter from Amerihome.
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| 11/07/2017 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!
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| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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i have a tax emption status when i bought my home. i qualified, over XXXX but in XXXX amerihome mortgage sent me a bill for over {$400.00} dollars or more from what i was paying for last year.
they did not give me any explation for rasing my mortgage pmt. only asked me to send in another letter from tax assessors office in XXXX XXXX XXXX, XXXX XXXX, tx. i called them after faxed the proof letter. i was told it was being process, get answer in 2 weeks. they never reduced my payments and ignored the exemption status.
i feel the mortgage company is just trying get extra money from me on monthly payments.
i m tired of calling them and bring problem to there attention. there customer service keeps making excuses and telling me they look into the situation.
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| 12/02/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Wanted to pay my mortgage ahead in case I ran into financial difficulty. I sent in two payments on XX/XX/20 and a third undue payment on XX/XX/20. This would have put me three months ahead. Amerihome Mortgage misapplied those funds to the principal instead of the payments. I have spoken to them three times and written them once and have not received resolution. Now financial difficulty has arisen and I need that three month grace period. I have been lied to and ignored. Their records reflect that they received the money and what happened to it but say it's my fault for sending it in without notifying them of what I was doing. I'm notifying them now. I can't make these payments. I need help.
AmeriHome mortgage XXXX XXXX XXXX XXXX XXXX, new jersey. XXXX
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| 12/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I have been unable to contact an AmeriHome Mortgage representative on the phone regarding their inability to pay either my homeowner 's insurance or the property taxes for our home out of my escrow account. I submitted an online inquiry buy have not yet received a response from them. I paid my homeowner 's insurance out of pocket in the amount of {$990.00}, since it was already past due on XX/XX/2020. I also submitted with my inquiry to the company the only property tax information on our home that I could reasonably obtain online on the weekend.
I requested to be reimbursed for the homeowner 's insurance from my escrow account, and that they also promptly pay the outstanding property taxes out of the escrow account before any late fees are assessed.
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I refinanced this loan on my primary home in XX/XX/XXXX. Payment # 1 was Due XX/XX/XXXX. I made payment # 1 on XX/XX/XXXX ( to XXXX XXXX, the originating lender ). On or around that date the loan was transferred to Amerihome. Once I made XXXX payment it was applied to XXXX and I have been in accurately reported late to the credit bureaus.
Please find proof of my XXXX payment ACH ConfirmationXXXX Inbox x XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX ACH Confirmation XXXX This is your confirmation for the ACH Debit set to occur on XX/XX/XXXX in the amount of : XXXX Your Confirmation Number is : XXXX If you have any questions related to this transaction, please let us know and will be happy to assist you.
Thank you for choosing XXXX XXXX!
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| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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when i first open my mortgage account with XXXX XXXX mortgage who sold to amerihome mortgage. i was informed that i had to sign up for automatic withdraw. i did that and somehow between the time that i filled the paperwork out and faxed it back to amerihome and they incorrectly set up the account. i called several times as i then received pre-foreclosure and found out that my account was not paid as i requested. I spoke to a supervisor, XXXX, to catch up with the payments. the supervisor informed me that i have received incorrect form in the mail for the auto withdraw. at that point i was able to get the correct form and it is completed. She also informed me that my credit would not be affected, yet it is. Attached are the two forms that i completed,
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| 07/06/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Older American |
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Loan Number : XXXX Amerihome Mortgage I am writing to complain on Amerihome Mortgage. This is my second complaint. I was told to make 3 Trial payments on time in order to receive a loan modification agreement. I have complied and I was told I would receive a loan modification agreement packet in the mail once I had successfully completed the trial payment arrangement. I was to sign, have documents notarized. I have yet to receive this packet and have been told to continue and make now a 5th TRIAL PAYMENT for the month of XX/XX/2020. I am asking for your help due to the fact my condition financially has gotten more critical due to Covid 19. I can not continue to pay high trial payments and I am asking for your help with the Amerihome mortgage people.
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| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I am requesting reimbursement for the private mortgage insurance payments I remitted to the Servicer as a part of my mortgage. On the following dates : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I made a concerted effort to attempt to informally resolve this matter.
The Servicer responded via e-mail on XX/XX/XXXX & XX/XX/XXXX indicating I do not have any " unearned premium '' which contradicts public law 105-216, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act of XXXX which promulgates, " Not later than 45 days after the termination or cancellation of a PMI requirement, ALL unearned premiums for PMI shall be returned to the mortgagor by the Servicer. '' The Servicer is failing to adhere to the federal statute referenced above.
|
| 02/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I completed a mortgage refinance with XXXX in XX/XX/XXXX. I made the first 2 loan payments ( by check ) for the payments for the payments due XX/XX/XXXX and XX/XX/XXXX. Both payments ( $ XXXX/each ) were made and the checks cashed in XX/XX/XXXX. In late XXXX the XXXX loan was transferred to AmeriHome for loan administration. The two XXXX checks have never been applied to my AmeriHome loan account. I have made several attempts to get this cleared up since early XXXX even communicating with the Office of the Presidency. I have sent AmeriHome the XXXX loan number, electronic copies of the 2 checks along with the XXXX checking account statement that references the 2 check debits. None of this has gotten me anywhere over the last several weeks.
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
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Hi I applied for a Forbearance plan by my bank because they wrote on their website that they will not report delinquent and but when I say my report the upcoming month I find a remark on my report whit the letter 's PDE ( please be aware that I never used this plan I all monthly payments ) I contacted my bank right away to remove Forbearance plan because I thought that no NEGATIVE INFORMATION INCLUDING REMARKS WILL BE REPORTED and try to explain them that my whole application was a mistake ( please be aware that I never used this plan I all monthly payments ) and remove the remarks. They send back to me a letter. That, Please accept this letter as confirmation that no adverse info has been reported on my account. and never removed the remarks.
|
| 03/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage The amount I am being charged for property taxes is XXXX per year, when the actual property tax amount is around XXXX. This is a new loan that was originated in XX/XX/XXXX. I have requested an escrow analysis to be done, and I was told multiple times that it WAS done, but now Amerihome is saying they have one scheduled for XX/XX/XXXX and will not complete one before that, even though I have provided them with the XXXX tax bill for the property that shows the actual amount. I have called multiple times, and keep getting a different answer each time I call. If it was a few hundred dollars, I would not be concerned, but this is a major overage of approximately XXXX per year.
I can provide more details if needed.
Thank you,
|
| 01/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I am an XXXX XXXX male who owns real estate property in a prominent suburban neighborhood, and I feel that I have been discriminated against due to unfair practice of a Real Estate Appraisal Report who unfairly devalued my property.
These are the concerns, a ) the appraisal underestimated the square footage of my home dating back to its original listing in XXXX and previous appraisals reports, the square footage was reduced down to XXXX square feet, rather than its actual square footage of XXXX, and b ) there were other recent comparable properties that sold in my neighborhood that was not considered, especially one that sold for much higher value at the same square footage the appraisal listed in the report nearly {$50000.00} difference.
|
| 12/16/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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I have a mortgage with XXXX Mortgage. In XXXX XXXX XXXX, I initially applied for a loan modification. I have faithfully submitted the required paystubs, bank statements, tax returns and documentation requested by XXXX since my initial submission. However, XXXX has continuously informed me that my application was complete and then sent me letters stating that documentation such as paystubs and bank statements had expired and that I would have to re-start my modification all over again.
I believe that XXXX has purposefully kept my request for loss mitigation assistance in abeyance through duplicative and redundant requests for documents which they have already received. This appears to be a pattern and it may not be an isolated incident.
|
| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome, the mortgage servicer for our home loan, has proven multiple times that they are incapable of making tax ( School , County and Property ) payments on time out of the escrow account subjecting us to out-of-pocket late fees and notices of delinquency.
It is impossible to get a hold of a customer representative over the phone which leads us to feel helpless towards the situation and afraid of the legal repercussions due to their lack of professionalism. This is a stressful situation that has taken a toll in our lives.
AmeriHome has made it abundantly clear that they do not have the consumers interest in mind which begs the question : If the sole purpose of a mortgage servicer is not met, should they be licensed to operate?
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| 10/21/2020 |
Yes |
|
- Trouble during payment process
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|
Web |
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XX/XX/20 - received tax bill in mail. called Amerihome Mortgage and they said they didn't have bill so they were not going to pay it. I could send copy of bill and it would be paid. They escrow to pay taxes and insurance. They failed to pay homeowner 's insurance in XXXX, XXXX and XXXX resulting in my policy being cancelled. I was refinancing with them as they told me it was easier and quicker. Process took months including policy cancellations and late fees. My taxes would not be paid if I didn't call them. Disconnected 3 times while on hold for over an hour. Requested supervisor or manager and never connected. Mortgage is significantly less than value of home. Amerihome benefits if i have lien and foreclosed for not paying taxes.
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| 08/31/2020 |
Yes |
|
- Trouble during payment process
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Web |
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The Mortgage company wont grant us a deferrement. only a forebearance and now XXXX XXXX we owe 2 months of mortgage XXXX times 2. i told them we have coronavirus and we have not been working. they are saying we owe XXXX and XXXX. they gave us a forebearance from XXXX to XXXX to bring all payements current, my husband contracted XXXX brought it home and all XXXX family member are sick now and have to be retested. this is the worst i called and they are not listening to me i said we have not been working and due to the cares act can we get a deferrement for 2 payments they will not grant it. we have no money and was very sick i have alot of congestion and my XXXX year old grandson his XXXX year old mom we all got sick from my husband.
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| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We refinanced our mortgage with Amerihome ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on Amerihome 's end, we asked our bank ( XXXX ) to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
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| 08/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I attempted to make a half payment today, XX/XX/2019, and the balance on the due date of XX/XX/2019. The purpose of this action is a common procedure to knock about 8 years off the mortgage term. ( 30 year mortgage ). I was told by XXXX @ XXXX office, ID # XXXX, that they do not accept partial payments and would send back my payment if I was to pay partial payment. This would be my first payment due on XXXX Amerihome phone number= XXXX I was solicited by a company unknown to make payments for me in this manner for a monthly fee which I felt was exorbitant. I promptly threw the solicitation mail in the waste basket. I want to make these payments myself and reap the reward. I feel their policy is unfair and possibly illegal.
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Two complaints regarding my mortgage servicer Amerihome Mortgage.
1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.
2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.
Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.
|
| 05/14/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
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There is an overage in my escrow account with AmeriHome of over {$1100.00}. I called on Saturday XX/XX/2019 and the first rep calculated my overage to be over {$2000.00} The escrow department reviewed his calculations and decided they were wrong and put the money back into my escrow account on Saturday XX/XX/2019. When I called customer service they advised that the escrow department determined the true overage to be over {$1100.00} and because of the mix up they promised to send the check over night. I have called and spoke to 4 supervisors and a manager and I still do not have my money. I was provided a tracking number, but when I checked with XXXX they stated that the package was never provided to XXXX for delivery.
|
| 05/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage is with Ameriahome mortgage # XXXX, The XX/XX/2020 mortgage payment was mailed on XX/XX/XXXX and cleared my account on XX/XX/XXXX. Another company cashed the check .... XXXX XXXX cashed the check and and deposited it with XXXX XXXX. I have reached out to Americahome mortgage in writing and via telephone and they have not addressed the issue. I believe that someone in the mail room may have stolen the check. We are in the process of purchasing another home and because the XXXX mortgage payment is being reported late we are being denied approval. Our current home has sold and unless this is removed we will have no palace to live. I understand that XXXX is the sub-servicer on our mortgage ... .please help!!!
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
We had our property taxes substantially reduced by our county of residence, submitted all the required documentation to AmeriHome Mortgage three months ago ( we have proof ) and AmeriHome still have not adjusted our mortgage escrow payment. We have proof also that XXXX County ( Ga. ) did approve our homestead exemption application resulting in a {$200.00} a month savings for us.
I have contacted AmeriHome escrow department three times and talked to a supervisor there as well. They continue to stonewall what should be a cut and dried process. Their finance department refinanced our mortgage in one month but it has been three months since we requested their escrow department to upgrade our escrow monthly withholding.
|
| 11/24/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2017 my husband had an accident and was unable to work resulting loss of income and unable to pay bills. I sought a loan modification. The whole process took almost 8 months. I was advised not to make a mortgage payment while the bank was making a decision. I fell incredibly behind!!!!!
I had the loan mod approved and have now made on time payments for 10 months now. I have called and asked as a good faith gesture if the bank would help me out and remove some of the negative payments on my credit report. I have called, emailed and emailed and called again. I was told to dispute with the CRAs which I have and had ZERO resolve.
Id like Amerihome to look at my account and review as to if any can be removed.
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I XXXX XXXX am trying to reorganized my financial situation without filing for bankruptcy protection. I therefore believe that over the next few months I can resolve a great deal of my debts through negotiations, and I need a modification package emailed to me as soon as possible. I request that all phone calls to me cease immediately by AmeriHome Mortgage, and that I receive a modification package to start on that process immediately and be protected from foreclosure proceedings under my protective rights with the addendum Fair Debt Collection Practices Act of 2014. Accordingly, I request this modification package immediately and I will explain in great detail my plan to get my affairs in order without bankruptcy.
|
| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have tried on multiple occasions to contact the company with no success. On XX/XX/2020 I sent a written letter to the address indicated on their website to inquire about ending PMI payment and discrepancies on my escrow account. I received no response. Since then I have called numerous times and customer service representatives are unable to help. The phone system is complicated and it takes at least 10 minutes of clicking yes or no to reach customer service representative. I inquired about ending PMI payments because I was not aware they were being charged to my account. I also inquired about closing my escrow account because it always seems to be in a shortage even as my taxes and insurance are decreasing.
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested on four separate occasions to have my escrow money returned to me. I was told on the first phone call that it was lost in the mail and I needed to wait thirty days to have the check reissued. After thirty days I called and they said they would mail it out again. After an additional thirty days I was told that it was never sent out by accident ( something internally wasn't done correctly and it wasn't processed per the rep I spoke with ), and it would be sent out again. Thirty more days have passed and I was told " they were behind because of Covid-19 '' and to keep checking back. This came from a supervisor. This is ridiculous as the money should have been returned to me back in XXXX of 2020.
|
| 07/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My family was recently affected by XXXX. We entered into a forbearance period with our mortgage provider. Upon ending the forbearance period I applied to the XXXX assistance program. After speaking with my XXXX case XXXX, they stated that in order for them to issue a payment to my mortgage servicer they had to be enrolled as a participating partner. After speaking with customer service reps from my mortgage service provider, they stated if they were not a participant then it was above their pay-grade to make that decision and couldn't help.
I'm not sure what to do next... I don't want to lose my home because my mortgage service provider does not want to accept payments from the XXXX assistance program...
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received my monthly statement from Amerihome Mortgage. On the statement, there was a {$16.00} Property Inspection Fee applied on XX/XX/XXXX. After calling, I was informed that this inspection fee was triggered because my account was reported 45 days past due. This is not correct. Amerihome Mortgage bought my mortgage from XXXX XXXX. Before my first payment was due, XXXX sold my new mortgage to Amerihome. My first payment was sent to XXXX per the instructions, however, they posted this payment incorrectly. This caused several problems with my credit report and false delinquencies. After 2 complaints to the CFPB concerning this issue, this issue was corrected and my credit score repaired.
|
| 03/29/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My new mortgage company XXXX XXXX just sent us a bill of around seven thousand dollars. On the bill and over the phone, XXXX broke down why they are were charging us so much on this bill. They said the sum was made up of increases in property taxes, school taxes, home insurance and other increases that had occurred during XX/XX/2018. Which was the year AmeriHome Mortgage had our mortgage, they also said someone from AmeriHome was supposed to make sure the increases were applied during XX/XX/2018 and failed to do so. When XXXX bought out our mortgage they had to pay the surplus and now charge us. Our mortgage was not serviced correctly, and this negligence has cause this large bill to fall our shoulders.
|
| 01/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
AmeriHome Mortgage Delinquent payment home owners insurance last XX/XX/2020. Amount worth {$890.00}. They have been claiming that they already sent a check last XX/XX/2020 but my insurance company confirmed that they did not receive any check coming from my mortgage company and they have been communicating this problem to them but no action had been taken. AmeriHome hasn't replied to the existing problem. It has been a month and I would like to see some action taken. We have been going back and forth with this situation trying to get a hold of AmeriHome. Please I need someone to take care of my situation as soon as possible because this is going to cause a revoke on our home owner 's policy. Thank you.
|
| 05/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have an escrow account with the mortgage company. They are withdrawing funds from the account and sends me an email stating a tax payment has been made. The payments are not being made and Im receiving delinquent tax statements for nonpayment. I have reached out to the mortgage company and Im getting the run around. I have asked for proof of the payments, and was told they would have to create a work order to have the proof of payments emailed to me. I was told that they didnt have an escrow department. The reps gives me false information regarding my account each time I contact the company. My concern is where is the funds that were withdrawn from my escrow account if the taxes are not being paid.
|
| 05/23/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Notified my servicer on XXXX XXXX that my property taxes where showing delinquent on the XXXX XXXX county tax assessors portal and I was receiving past due notices from the tax collector as well. My servicer figured out that they had been paying my property taxes to the wrong property. On XXXX XXXX I was told that they would fix this and make sure the proper account was accredited. It is now ov er one month later and I have contacted the XXXX XXXX County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
|
| 12/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2020, my mortgage at XXXX XXXX XXXX XXXX was purchased by AmeriHome Mortgage. The balance and escrow accounts were not transferred correctly, and AmeriHome Mortgage now shows that I owe approximately {$60000.00} more on my mortgage than what I had paid to XXXX XXXX XXXX XXXX. The escrow account reflects a balance roughly {$3100.00} less than what I paid in to XXXX XXXX XXXX XXXX. It appears that additional principal and escrow payments that we made ( above and beyond our monthly mortgage payment ) to XXXX XXXX XXXX XXXX, did not get transferred over to AmeriHome Mortgage. I am getting the runaround from both banks, and no one seems interested in aggressively tackling the issue.
|
| 02/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage was transferred from Amerihome mortgage to XXXX XXXX XXXX XXXX Payments were sent to Amerihome for XXXX XXXX XXXX XXXX, and XXXX Amerihome transferred the XXXX payment to XXXX in XXXX. The other 4 payments for 4 months have not been transferred. I have made several attempts to contact Amerihome to have the funds transferred to the XXXX and no one will assist me with this matter. In the meantime the funds are with Amerihome and it is not being credited to my account properly. Amerihome has a responsibility to account for all funds and transfer those funds immediately to XXXX. Amerihome has egregiously mishandled my mortgage payments and they refuse to assist me with this matter.
|
| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX I received a notice from my XXXX XXXX XXXX XXXX XXXX reflecting an overdue balance for water and sewer charge of XXXX plus late charges of XXXX. I immediately called my mortgage company, AMERIHOME to find out what was the reason it was not paid in time despite my monthly escrow payment made on time. They were unable to give me a reason, I faxed then the notice for immediate action. Nothing happened, the agent I talked to just took note of my call and didn't escalate the case so on XX/XX/XXXX I received a 2nd notice with XXXX late charge. I called XXXX and faxed it for immediate payment and at this date all they tell me is that they are working on it ... ..This is unacceptable.
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Re-opening Complaint XXXX, as it was closed without being resolved.
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX.
Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.
The check keeps getting 'lost in the mail ', as the company refuses to send the funds through a service with a tracking number, or to wire the funds.
They have issued three checks that have not made it to my house.
After filing my initial complaint, I was given a phone number to contact the respondent at Amerihome, but it was a voicemail that is never checked.
|
| 04/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX informed me that I was approved for a forbearance period starting XX/XX/2020 and ends XX/XX/2020. They did not inform me that I would have to pay the 3 months until I recieved a letter weeks later. I told them they are setting us up for failure as we can not make our monthly payments so how do they think we can make XXXX payment ya at once. They basically told me those are the guidelines. This is not right Also! I was told when I purchased my home as a single mother that my PMI would fall off after 3 years. When I inquired 3 years later, they told me my type of loan doesnt apply. They are not being honest and are saying and doing anything just to get people to buy homes through them
|
| 11/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2022 I was approved by Florida XXXX XXXX XXXX. They Paid Amerihome mortgage company arrears and also approved me for 18 months of future mortgage payments. After Amerihome received the first two payments they stop applying these payments to my account. Now they are saying Im in default due to non payment and XXXX mailed them a check out in XX/XX/XXXX and XX/XX/XXXX. A rep from the XXXX program reached out to this lender to provide check numbers for these payments but this lender still claims they arent received. This sounds fishy to me because they lost these checks or havent yet applied them to my account but now want to penalize me for payments and they have proof of payment.
|
| 08/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I'm writing about my loss mitigation with Amerihome mortgage. I've been overseas for work for the last few months, and did not receive the paperwork for the loss mitigation before the deadline. Amerihome canceled the mitigation because the documents were not returned in time. I want to formally appeal this decision, and can provide documents substatiating that I took a new job overseas, but plan to maintain this home as my permnanet residence. I would like the mitigation to be reinstated so that I can get the documents to them in a timely manner. I told the Amerihome representative that I would be overseas, and they assured me the documents would be emailed, but this did not happen.
|
| 01/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY information.
|
| 04/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX), I have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time.
I find this absolutely unacceptable and asked them to either XXXX or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX I tried to payoff my loan, but Amerihome Mortgage Co. system wouldn't let me payoff the complete amount, so I owe XXXX XXXX.
XX/XX/XXXX I received a payoff notice that said they owed me {$41.00} because I over paid interest on the loan.
XX/XX/XXXX They sent a new payoff that I owe them {$.00} now with no explanation on why they changed what was owed.
XX/XX/XXXX I called to get an explanation and their representative was going to email another dept. and get back to me. Should take 1 or 2 days.
XX/XX/XXXX Still no answer on why the change. They have sent me a notice that state 's if I don't pay the {$.00} by XX/XX/XXXX they'll charge me {$56.00} in late fees.
|
| 12/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
I am attempting to assume the mortgage for my home following my divorce. I submitted a mortgage assumption request to maintain the existing loan terms. Amerihome Mortgage denied my request due to insufficient income. Despite repeated inquiries, they declined to specify the required income level.
The original mortgage was for {$200000.00}, and I was pre-approved for {$380000.00}. While my wife contributed less than {$5000.00} to our annual income that year, I earned {$94000.00}. My current income is {$110000.00}. On two separate occasions, operators assured me someone would contact me with further explanation, but no communication has been received after almost two months.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud.
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
|
| 08/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I had my flood insurance agent fax documentation for the new quote that contained the additional coverage requested from Amerihome Mortgage.
On XX/XX/XXXX, I had 2 emails that confirmed the Items that I had additionally uploaded for the quote as well as the address for expidited processing of the flood insurance quote were processed.
On XX/XX/XXXX, I recieved a letter stating that they needed to still have the additional converage for flood insurance.
On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up.
On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up without working toward a resolution.
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome was the servicer of our refinance in XX/XX/2021, and they told us our payments would be $ XXXX for a 20 year mortgage. One year later, after getting billed $ XXXX, we got a notice of an escrow shortage of over {$2000.00}. ( Not because tax increase or insurance increase ) They had been billing us the wrong amount, and we never would have signed off on the contract if they had told us how much the payments should have been from the start! I believe they gave us a low number to get us to sign with them, but of course I do not know the name of the agent who helped us. Additionally, our mortgage has since been transferred to another servicer. ( XXXXXXXX XXXX XXXX
|
| 06/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I 've submitted multiple times proof of my condo insurance, even send it through " XXXX '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage is needed. Please help!
|
| 08/30/2021 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Amerihome Mortgage LLC to obtain paperwork regarding an upcoming court proceeding. I advised them that I was being taken to court over an escrow refund that was not in my name, but in the name of my former fiancee. Even though we were on the loan together, I was advised that I could not have the check sent to him or any other address. The other party was required to call the company to give them his address information. However, he refused to do this and in fact, is suing me for the check that I do not have. I have called the company as well as the corporate office and submitted multiple requests and I have not received this documentation.
|
| 06/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After a payment was posted to my account, it was removed 16 days later with no notice or explanation provided to me. I have tried reaching out to the company on 3 separate occasions, and have received 3 separate and contradictory explanations for what is going on. On 2 occasions, I was told the issue would be resolved and then no action ever occurred. On the 3rd occasion, the representative disconnected me without finishing my call and never called back. The company should be able to provide me with clear and consistent information on my account, and it's inability to do so has almost made me late for my payment, despite assurances they would resolve it in time.
|
| 07/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2021 I was notified an escrow analysis was done on my property and due to an increase in taxes/insurance my monthly premium would increase even if I paid the additional funds. I am accustomed to the foregoing so fine.
XX/XX/2021 I received yet another notice from Amerihome that another analysis was done and my monthly mortgage payment would increase AGAIN.
i have lived at the same property address for 15 years and have NEVER had two escrow analysis in one year much less within 6 months of each other. When i called Amerihome they attempted to advise me it was an increase in my real estate taxes which were paid XX/XX/2021 through the mortgage servicer.
|
| 09/25/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I had requested help regarding my mortgage that I had with AmeriHome mortgage and they were very. Unclear regarding the forbarence agreement and the terms behind it. So when I had very little time to communicate regarding the HAF assistance that I was approved for they claimed that I denied the assistance and did not apply it to my account knowing that I was in need of help financially. Then they had posted a sheriff sale and by that time I was unable to provide the information I needed to them in order for the sale to be post-poned. So then by that time I was very uneducated and unaware for what needed to be done in order for my mortgage not to be deferred.
|
| 02/19/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
None of your listed complaint boxes pertains to my issue. You should have an other box! My issue is the following : I am being denied access online to my mortgage account. I have complained about this on many occasionsbut no matter what they tell me to do to fix the problem, it does not work. Their reasons given on each time I have complained are too many to mentioned. It is as if I am being blocked from online access! I need a 2nd copy of my 1098 and even asked their C.S. to email me a copy! They said OK but I never received it. Why I can not access the Web site beats the heck out of me! I have never had this issue with any mortgage companyin the past.
|
| 06/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.
|
| 09/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
They advised there was a small shortage in my escrow account and they are raising my payments {$94.00} each month. The first person I spoke with today advised they made an insurance payment in XXXX and I looked on my insurance company 's site and they had not.
I called them back and spoke with another rep who advised that they did not pay an insurance payment and that the escrow was short one month and so they raised the monthly payment for next month.
Why would that increase so much when my expenses did not? They said it was for a " cushion ''. That is unfair and want it investigated. That cushion is alot for me to pay every month.
Thanks, XXXX
|
| 10/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We were directly hit by Hurricane Irma in XXXX of 2017. At this time I lost my job due to the hurricane and took advantage of a program that my mortgage company sent me via email to pause my monthly payments for up to 6 months - at no cost and was told several times this would not affect my credit.
I submitted all paperwork more than once and the entire process was beyond stressful and awful.
I am in the process of refinancing my home and have been told that Amerihome Mortgage Company reported that I missed a mortgage payment - I did not at any point miss any payments.
This has impacted my credit score and I am unable to get any kind of loan!
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan is serviced by AmeriHome Mortgage Company LLC. They are responsible for paying taxes, insurance, etc. from escrow. My escrow account is fully funded however taxes for XXXX are not paid and are currently past due. AmeriHomes says they sent the payment on XX/XX/XXXX ( most companies send these is XXXX XXXX in the amount of {$4800.00}. As of XX/XX/XXXX the XXXX XXXX XXXX XXXX does not have a record of the payment. I have asked AmeriHome to please trace the payment, however they have been reluctant to do so. I have never experienced anything like this from a loan servicer in my 20 years of paying a mortgage. Please help before it's too late.
|
| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Ever since XXXX XXXX, I started to contact AmeriHome Mortgage for the mistake withdraw my escrow account. I sent all the proof but they refuse to refund me the double paid money. The story is : Loan Statement XX/XX/XXXX showed that USD XXXX and USD XXXX from my escrow account were paid for the property XXXX XXXX XXXX XXXXXXXX TX XXXX for tax and MUD. In fact, AmeriHome Escrow paid wrong figures of tax and MUD in XXXX XXXX. So, AmeriHome Escrow paid right figures of tax XXXX and XXXX MUD in XXXX. XXXX. This means, AmeriHome paid twice tax and MUD from my escrow account.
Ameri Home Should have the wrong amount refunded to me. But they did not.
|
| 03/14/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had a loan with Amerihome Mortgage. My loan number is XXXX my name is XXXX XXXX .... I paid off this loan XX/XX/2022 I am still waiting on my refund from my escrow acct ..... I was told it was sent and I never receieved it!!! I have called at least 10 times inquiring about the status of this check. It keeps saying its sent but I have yet to recieve it. And each time they stop it and reissue it. I was told they could overnight it this last time I phoned. Can someone please assist me with this refund- {$3300.00}!!! I have taken to writing them so I will have a paper trail.! am requesting my refund to no avail?
Thank you XXXX XXXX XXXX XXXX
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to ameri home mortgage. The ameri home mortgage account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt.
I call ameri home mortgage to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and ameri home mortgage still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
|
| 05/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I lost my job due to Covid-19 and am waiting to get on unemployment ( for the last month ). I saw that my mortgage company Amerihome mortgage was offering forbearance as mandated by the Cares Act. When I inquired about how they could help me I was told that they are ONLY offering the mandated forbearance for 3 months with a balloon payment due on the 4th month. I don't understand how anyone could afford to pay thousands in order to catch up. I asked about deferments and they aren't offering them. So really there is NO relief and it really isn't fair. President Trump said no one could be penalized but the mortgage companies have found a way!
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| 01/21/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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During XXXX, I paid total escrow of {$34000.00} to AmeriHome Mortgage Company , LLC ( AmeriHome ).
During XXXX, AmeriHome disbursed {$12000.00}. My closing XXXX XXXX ) escrow balance was {$15000.00}. AmeriHome states that the escrow balance is not a surplus and continues to demand a monthly escrow amount, for XXXX, of {$1700.00}.
I have called AmeriHome to request an explanation of why I do not have a surplus and why am I being required to continue paying monthly escrow during XXXX. The representative told me he could not answer my question but will have a supervisor call me. It has been over 2 weeks and I have not received a call.
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| 09/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We applied for COVID 19 relief, we maintained contact with XXXX which was the company that bought our mortgage after our closing. In XXXX AmeriHome bought our mortgage and then ended the forbearance period without our knowledge and without even acknowledging even a change in mortgage companies. We got a letter stating forbearance ended and we now owe them a check for {$40000.00}. Without said check, we will be in foreclosure. Once we were made aware, we have been frantically trying to save our house. Amerhome promised a loan modification package that has not gotten to our house ( promised to be sent out by XX/XX/2022 ). Help please!
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| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.
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| 01/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We made a principal only payment in XXXX which was returned. We called to complain about that ( as well as other complaints ) on XX/XX/XXXX. At that time we made a principal payment with the XXXX. It was never processed. There is a recorded conversation which Ameriahome needs to review and then process our payment, retroactively, back to the day we called. I am unable to get a supervisor to return our call and am scared to make another payment online with them. We have also asked twice for a bi-weekly program and they were to send the info to us. Turns our their reps do not know the difference between bi-weekly and budget pay.
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| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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AmeriHome Mortgage increase my mortgage payment stating that I didnt have enough money in my escrow account and because of that they paid the City and school taxes and now I owe them that money. According to the City AmeriHome havent paid the taxes and now I have been sued by the city for unpaid taxes. I had called numerous times to AmeriHome to get to the bottom of this situation however, they have failed to provide proof of the payment of the taxes.
I had to hired an Attorney to help me solve this situation. My attorney sent a letter to AmeriHome and were waiting for a response and he advised me to file this complaint.
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| 04/07/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Since XX/XX/2016 I have been in a fight with AmeriHome Mortgage about them not paying my property taxes from my escrow account. I have received tax bills from XXXX showing delinquent and current taxes owed. When I call AmeriHome they insist there are no taxes due. I have advised them that they had the wrong parcel # ( XXXX ) on my account information and the correct parcel # ( XXXX ) as shown in the documents I signed at closing and as shown on the tax bill. They have been saying for 5 months now they are checking with XXXX Tax office to verify parcel #. At least that is the story I get every time I call or email them.
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We refinanced and closed on XX/XX/21 through XXXX XXXX XXXX Mortgage ( XXXX XXXX, CA ). We have an email that there would be no payment for XXXX. But Amerihome ( the previous mortgage firm ) although the full loan was paid to them, still took another monthly payment for XXXX. So Amerihome got paid the full loan amount and took the extra monthly payment of {$2300.00}. We have contacted XXXX XXXX XXXX Mortgage and they have not returned our emails. We have contacted Amerihome numerous times and they sent us a check for {$.00} cents. Any help in getting the money returned to us would be appreciated. Thank you. XXXX XXXX
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| 07/22/2023 |
Yes |
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- Trouble during payment process
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Web |
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I have been waiting for escrow overage due to property tax payment being refunded back to escrow account since XX/XX/2023. I requested from amerihome via secure message on this date and they told me the escrow overage would be released.
1 month later in XXXX I called and still no escrow refund and they said they would put in request to the proper team to have the refund sent to me.
It's now XX/XX/XXXX and still no escrow refund. There is an overage in my account and you need to send me the refund check to my address on file. Stop making me contact you and saying you will do it but nothing happens. Unacceptable.
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| 10/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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my mortgage company is Amerihome mortgage, I was working with XXXX a counselor from XXXX XXXX XXXX, for Covic19, did not pay since XXXX. I return to wor on XXXX asking them to give me permanent Modification, change the term of my loan so I can have repayment plan.we call many times we email they refuse, thanks to XXXX they provide a forbearance plan, will be finished at the end ofthis month.
my account number XXXX.
I called the Home Affordable Modification program HAMP XXXX XXXX still did not call me.
thanks so much for your atention.
Webside www.amerihome.loanadministration.com.
email : XXXX phone : XXXX
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| 01/21/2020 |
Yes |
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- Trouble during payment process
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Web |
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AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/2019. The escrow was paid out by AmeriHome Mortgage on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received.
This problem is causing undue hardship toward myself and is unnecessary and unreasonable.
AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX
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| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Throughout the month of XXXX, I attempted numerous times through 45+ minute hold times, emails & faxes to obtain a payoff letter for a XX/XX/XXXX closing date. Payoff letter finally received and sent to title company. Closed on XX/XX/XXXX, wire sent from title company to Amerihome. XX/XX/XXXX, Amerihome rejects payoff amount and issues a new payoff letter $ XXXX more and wants interest accrued since XX/XX/XXXX.
Nobody answers the phone - they literally say call volume is too high and won't answer.
The title company is holding the funds and can not get in contact with anyone at Amerihome to communicate with.
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| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My mortgage was paid in full on XX/XX/2019. According to AmeriHome prerecorded message any refunds will be processed within 20 days ( not business days ). Today is day 21, and I still have not received my escrow refund of {$1800.00}. I've emailed and called customer service. I always get a " canned '' response that it takes between 20-30 business days to issue a refund of MY escrow funds. Why does it take so long to issue a refund? Why is the message given to the consumer not the same as the prerecorded message? Why does it take so long to issue a refund? This money does not belong to the mortgage company.
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| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I obtained a mortgage through XXXX XXXX XXXX. Amerihome Mortgage is now the service provider. I have added additional funds to my monthly payments to reduce the principal in advance. Each time Amerihome has applied the additional funds as an ADVANCE payment to the next months payment. In essence, they are making me pay my interest in advance.
I have now spoken to them five times. On the first event, they did rectify the issue and applied the payment to the principal. However, for the subsequent months, despite my calling and their assurances that the funds would be reapplied they have not done so.
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| 04/01/2022 |
Yes |
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- Trouble during payment process
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|
Web |
Older American |
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I have paid my mortgage and not been late, until Amerihome Changed my servicer from XXXX to Amerihome Then I could not make my payment because I could not use my old account number.
After that my mortgage representatives would not complete any promises to call me back or complete any documents they would not verify them as received I completed all paper work for my Modification but they closed it and resent more Papers another Modification package. They also took money from my escrow account and double paid my Home Owner Policy to 2 different Insurance Companies.
I need Help as soon as possible.
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| 02/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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Good morning, I was approved with Homeowner Assistance Funds to receive help with my mortgage loan for 18 months.
Last XXXX I started having issues receiving payment from HAF and as today I do have 3 months past due. I have been calling HAF and asking them to find out what the problem is, but I have not received any help. They tell me that they do have an investigation to know why my account is not receiving the payments every month.
I am scared of losing my house. This is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX AmeriHome Mortgate ( XXXX ) Thank You!
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| 02/05/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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AmeriHome 's response is correct up to : " On XXXX XXXX, 2021, AmeriHome received a payment from the previous servicer in the amount of {$1800.00} ''. The XX/XX/XXXX payment came from us NOT from the previous servicer, XXXX XXXX XXXX. XXXX XXXX XXXX believes the XX/XX/XXXX payment is theirs and they have the money ( I have confirmed this in calls with them ). AND, AmeriHome Mortgage Company believes the XX/XX/XXXX payment is due to them. We, the borrowers, are stuck in the middle and are considered delinquent. Help!!! Please get them to talk to each other and resolve the XX/XX/XXXX payment.
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| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was in forbearance due to COVID. When I was ready to end forbearance on XX/XX/2020, I called and made full payment to bring mortgage current. Instead, Amerihome put one of the payments in a suspense account. When I noticed XX/XX/2020, I contacted the company and requested the payment be applied correctly. I was told it would be resolved within a couple of days. Now it is XX/XX/2020 and my payment is still not applied correctly so it appears I am 30 days behind. When I attempt to make a payment, their system will only accept 2 payments to " catch up '' even though I am not behind.
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| 12/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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On XX/XX/XXXX I sent several tax bills to AmeriHome Mortgage Company so they could be paid through my escrow account. On XX/XX/XXXX an AmeriHome Mortgage representative responded acknowledging receipt of the tax bills. There has been a withdraw from my escrow account for " taxes '' but the local tax collector shows that they have not been paid. I requested help on AmeriHome 's website with the live chat feature. The chat representative told me that they would send me tax payment confirmation via email within 24 hours. I have not received any additional communication from AmeriHome Mortgage.
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| 05/11/2021 |
Yes |
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- Trouble during payment process
|
|
Web |
Servicemember |
|
According to the CFPB, my mortgage company Amerihome is required to notify me of a change in my mortgage servicer. I'm currently in a forbearance. I've started being contacted by XXXX via phone and knocks at my door, who claims that they are now my servicer, but I have not recieved any notification from Amerihome of this. When I call Amerihome to discuss this, it routed me automatically to XXXX. Apparently I can't every talk to anyone at Amerihome to confirm this. I just have to take XXXX word on this. XXXX searching makes me think XXXX is prone to being scammy. What options do I have here?
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| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My loan was transferred to Amerihome the end of XXXX to start payments in XXXX.
I have another mortgage currently being serviced by Amerihome and do not have issues with it or viewing/accessing the account online.
I have attempted over 20 times to set up the new/second mortgage online to be able to access my account/make payments/etc ... to no avail.
I have called Amerihome a min of 5 times to resolve this issue and nothing has happened and no resolution.
6 weeks later and I still can not access my newest mortgage account online to make payments, view my escrow, or set up auto pay.
|
| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
The mortgage company is not applying additional monthly principle payments to the balance of the loan. They are trying to drag out the loan and cost us money. This has happened three months this year. I have had this problem more than three times this year. Attached you will find THIS months issue. A single additional payment of XXXX was made. The amount was too large for them to apply. They ended up trying to pull another XXXX on top of the original amount. They are now trying to charge a bad check fee. Our bank stated that they are consistently having trouble with this mortgage company.
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| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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XXXX purchased my new mortgage from the initial bank. When my wife had to call they wouldnt let her speak about the mortgage without my approval even though she is on the loan. As a result of incorrect information we were charged a fee they didnt delete. Someone from the presidents office called and told me it was a third party call center and confirmed all the information I wrote here. We had no choice to work with this company and they admitted giving bad information and treating my wife incorrectly. It sucks having such a poor quality company buy my loan and force me to deal with this
|
| 04/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Amerihome Mortgage received my Electronic Transfer last month on Thursday and did not Credit it till Tuesday. That is 6 extra days of Interest on the Principal. If the Service XXXX Loans a Month that is big Money. When I called they just said " it was not that much money ''.
This month the Transfer was a Friday and they applied again on Tuesday. Another 5 days Interest on the Principal.
Now this Month I sent them both the Master Policy ( Townhouse ) Binder and Individual Policy Binder and they still charged me {$200.00}. They do not answer their Phones nor does their Online Chat work.
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| 11/19/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
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I notified my mortgage servicer that I had lost my job and wasn't able to continue making mortgage payments while unemployed.
They approved me for an XXXX XXXX XXXX. There was very little information on the website about processes and procedures. Additionally, I received no information as to timeframe of acceptance AND my mortgage servicer continues to report my non-payment on my credit report even though they're not supposed to.
I spoke with them in XXXX and noted that they are reporting the past due status on my credit report and was told it would be taken care of but it has not.
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I acquired a mortgage in XX/XX/2021 which was immediately sold to Amerihome Mortgage company. I sent a payment for the first payment on XX/XX/XXXX through XXXX XXXX online banking. XXXX XXXX shows the electronic transfer and has submitted proof of payment to Amerihome. Amerihome still will not credit my account with the three payments made to date as of XX/XX/2021, Instead they show only XXXX of the three payments. I am sure we can get this worked out if we can ever get Amerihome on the phone .... but the customer service with this company is the absolute worst I have ever seen.
|
| 08/21/2023 |
Yes |
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Web |
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My husband and I have divorced and decided to sell our home. We have buyers who have decided to assume our loan and we are currently under contract with them. We filed our assumption request with Amerihome XX/XX/23 and have received zero communication from them. Our buyers have yet to receive an application. We have called multiple times and sent multiple emails trying to ascertain the status to no avail. This is ridiculous and shouldnt take this long. Our buyers are behind frustrated and weve had to push the closing twice now. They are ready to throw in the towel! Please help
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| 04/22/2022 |
Yes |
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- Trouble during payment process
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|
Web |
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|
I made a mortgage payment to Amerihome Mortgage on XX/XX/XXXX in the amount of {$2400.00}. The payment never posted to my account. I've talked to 4 supervisors and over 20 agents. They misplaced one other payment, and after 2 months they finally posted that one. The first payment never posted. The bank sent four transmittal reports by fax. They have received everyone and says it's in review. They continue to close the accounts, and I have to get them to open the same one every month. One agent said my payment would be posted on XX/XX/XXXX but I still haven't seen anything.
|
| 06/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have had issues with Amerihome Mortgage Company over 3 different times where we made a payment and it didn't reflect on our end to show the payment was made. They would misapply the payment to either escrow or deferred balance but not to the principal loan which is how each payment was clearly made.They have been playing games with my mortgage balance and I have to call numerous times each time just to get my issue resolved. Please I am begging someone to help me. I have asked this mortgage servicer to sell my loan to some other company who is more responsible.
|
| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I've tried over the course of the previous 3 months, at least 4 times to enroll in the budget drafting system at Amerihome Mortgage Company. I've easily enrolled in this program 3 times with other mortgage service providers. I believe, at this point, that they are intentionally making it difficult for us to enroll in a program that will help us reduce the term of payments for our loan. They continue to ask me for the same documentation over and over, which I provide. Then after they wait a period of time, they tell me the documentation I provided is now outdated.
|
| 11/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
I had an XXXX mortgage for 2 years. I refinanced for a lower rate, with closing being on XXXX XXXX. I received a letter from XXXX stating they had been paid in full on XXXX XXXX. It is now XXXX XXXX and I can get no answers as to where my XXXX account is. I 've made XXXX calls to the company. In this day of electronic everything, there is no excuse for my account to be " in process '' for 30 days. What was happening during this XXXX period? This very poor customer service and I just wanted to let people know how long things take at this company. Unacceptable.
|
| 09/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW
|
| 01/07/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
I was recently notified that my real estate taxes are actually much higher than listed on the closing disclosure, which has caused an escrow deficiency. This resulted in too little being charged by the seller at closing and has increased my mortgage payments by over {$300.00} each month. The real estate taxes were not disclosed properly on the closing documents which means I am being charged for a portion of the seller 's real estate taxes and it made all amounts on the closing disclosure inaccurate and much lower than what I am now having to pay.
|
| 05/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
AmeriHome by far the worst mortgage company i have been working with. Since i lost my job due to Covid 19 which has been over a year I have been Faxing and emailing all paper work that has been requested and i have been told over and over they need more paper work which has been the same documents over and over today i call after speaking with one of there agents that deals with FHA loans and staying they needed one more document that i send that same day to be told today that my case was closed. Is there anything i can do. Can i change companies.
|
| 01/25/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The company I am filing this complaint about is Amerihome. I originally applied for 3 month forbearance due to covid. I began making my payments again as agreed upon but accidentally turned in the paperwork several days late. They then sent a letter my forbearance was denied. I have called, sent emails, and letters. I have spoken with people and they say they will resend documents or send me other documents to see what I qualify for and then I receive nothing. I a trying to figure out what COVID program I may qualify for but no one will help me.
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage have added on late fees to our mortgage, when we have till the XXXX of every month to make payment. They added late fees to our mortgage for no reason, and have stated on the phone they will continue to add if we don't make payment by the XXXX of every month.
This is against their own terms and conditions.
We did have some troubles making payment the last few months, but cleared that up and paid the deserved late fees on those. But, they tacked on late payments before our few months of troubles, and threatening us today.
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..
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| 01/08/2024 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX I passed d my mortgage in full however I used 2 bank accounts to Amerihome mortgage. The automated system took the first payment of {$500.00} from XXXX XXXX XXXX. I made the remainder of $ XXXX from XXXX XXXX. Later on I was told they dont accept partial payments in the future. I was told to request a work order to fix the problem and they still havent done it. Ive phone 6 times to hear the recap over and over, left on hold to only be disconnected. I even sent a request to their website for assistance to no avail.
|
| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX collected an extra {$5700.00} from me, then has repeatedly failed to return the money to me as part of an excess funds disbursement from escrow. When they sent me a check in the mail to cash, it bounced.
The company is refusing to either credit my mortgage with the money they owe me or to promptly provide me with a refund. If I were truly living hand to mouth, this behavior would force me into default.
I have found XXXX to make repeated errors in handling my loan within just a few months of assuming servicing responsibilities.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : AMERIHOM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/12/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
My mortgage company double paid my property taxes. Have been waiting for months for the second round of payments to be refunded back into my escrow account but they have not yet been refunded. During all of this, Ive also received letters from the school district saying that they havent even received their tax payment and that my taxes are now overdue.. title company has not done anything or made any efforts to fix this issue. School district is now sending me letters saying that I owe {$3600.00} to them ( originally {$3000.00} ).
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
AMERIHOME MTG CO, LLC Account number : XXXX Account type : Mortgage Responsibility : Individual Date opened : XX/XX/XXXXXXXX Status : Transferred, closed.
Status updated : XXXX XXXX This account was reported 30 days in XX/XX/XXXXXXXX but both XXXX and XXXX has removed this. This is the only account that shows on XXXX as potentially negative. Since then it has been reporting correctly. I am unsure of what to do to have it removed but it is the only negative item showing up on my credit report.
Please advise and help.
XXXX
|
| 08/21/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I came upon difficult financial hardship after going through a divorce and then losing my job in XXXX due to Covid 19. I feel increasingly behind trying to pay my bills and food. I contacted Amerihome during this time to see if there were any solutions or options that would help me keep my home. I was looking for work but due to the pandemic it was very difficult. Amerihome did not offer any options of forbearance or loan modifications. I was told I had to pay the arrears which left me hopeless. Amerihome was not helpful at all.
|
| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
XX/XX/XXXX I received a letter stating my Escrow taxes had not been paid yet. I pay them every month with my house payment. I called my tax office and they informed me that XXXX had not received the right PPIN which is there responsibility to pay my tax. I called XXXX and explained this to them, I sent emails and explained this. The amount of my taxes are XXXX and XXXX. I can not get anyone to tell me anything. They will not return my call, I have called everyday and today is XX/XX/XXXX. My next step is to contact my attorney.
|
| 03/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XXXX-Called company about a recent was instructed to send my phone number to a specific email-no response XXXXwas sent an automatic reply with instructions on how to email a request for recastsubmitted recast according to the instructions.-no response.
XXXXsent email asking for an update-no response. Called and inquired and was asked to submit a request in writing.
XXXXletter send to recast office.-no response. Called again and was told I will receive a letter in the mail in 30 days.
XXXXNo letter as of todays date.
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| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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There was an escrow disbursement on XX/XX/2020 for {$2400.00} that was never sent to the insurance company because the policy was canceled. The check was never disbursed back into my escrow account which created an escrow shortage. My monthly payment immediately increased almost {$200.00} to XXXX. I called AmeriHome ( XX/XX/2020 ) and asked for the check to be redistributed back into my account, so my payment would adjust. The representative said he didn't understand and hung up on me. This happened twice on XX/XX/2020.
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| 08/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.
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| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
On XX/XX/2022, I paid all my overdue ( Forbearance Period ) payment, which is {$44000.00}.
However, this doesn't reflect to my payoff statement & account for long time. Please see attached my payment history & latest payoff statement which has not been updated.
I called more than 4 times, and they lastly promised ( on XX/XX/2022 ) that it will be updated no later than XX/XX/2022, but it wasn't updated yet.
My closing day is XX/XX/2022, and I really need updated payoff statement until XX/XX/2022.
Thank you.
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| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
Please I need your help.
Date : 2016 Amount : tax owed {$5600 .00}
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| 12/04/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is with Amerihome Mtg. I received a letter stating that I would only be able to make my mortgage payment with a cashier 's check. I have always processed my payments online, I haven't missed any payments ever. They stated that I had payments not honored by my financial institution. I sent them proof that my payment was drafted from my bank and never returned. I also informed Amerihome that I have an online bank only and can not get a cashier 's check.
People I spoke with : Employee ID XXXX
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| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020, I reached out via phone and email to AmeriHome Mortgage to inquire about loan payment processing. Specifically, I was inquiring why my loan payment has been applied at a higher amount to interest than what is outlined in the " Explanation of Amount Due '' for past 12 months? There is no explanation as to the reason on my monthly statement nor do I recall receiving any correspondence. I received the automatic reply from the institution but I have not received a phone call or resolution.
|
| 08/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The loan was trasferred to Amerihome from XXXX XXXX. The loan balance should be around XXXX but Amerihome has is at XXXX. Ive called XXXX and they say Amerihome has all the documents. their was a recast for XXXX done with XXXX. this has been going on for well over a month. Amerihome sayss the documents will be reviewed but every time i call they push the date back. I.ve asked them to call XXXX but they refuse to call. If they would communicate with each it would solve the problem but Amerihome won't.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERIHOM MTG XXXX
|
| 05/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The issue is regarding XXXX standalone loan modification. They refuse to XXXX me for eligibility.
AmeriHome Mortgage calls me and then hangs up quickly. In the instances I pick up the phone call, they will not readily identify themselves and ask me to give sensitive information without confirming who they are.
I have reached out in secure communication via email. No reply regarding the modification is mentioned. I feel its a tactic to avoid reviewing to see if I qualify for the loan modification
|
| 12/12/2020 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
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XX/XX/XXXX called mortgage company I am out of work due to covid and coverage under cares act mortgage company is playing game called 6 times every time told it was fixed called yesterday collection department and XXXX said from mortgage company alot of people dealing with same issues as me I called fha for help called hud last week called me but I am scared losing my home all people at mortgage company say same thing it will be fixed and nothing happens i am at my end of line need help please
|
| 12/07/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 We were approved for Corona Virus Assistance. On XX/XX/XXXX we ended the forbearance and was approved for the FHA Partial Claim. XXXX XXXX sent paperwork and this paperwork was signed and returned on XX/XX/2021. Amerihome Mortgage assumed the mortgage and the two companies have yet to reconcile the end of our borrower assistance. I have turned in all documents many times and also followed all protocols with no resolution and now I am receiving threatening mail about foreclosure.
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been paying our mortgage every month and our funds have been stored in the escrow account. Amerihome should have been paid our home insurance company on XX/XX/XXXX. As of XX/XX/XXXX, our insurance company has not received payment and we do not have insurance coverage on our house. I have contacted the company repeatedly to no avail. This is serious negligence and I hereby make Amerihome mortgage liable for any damages moving forward for not paying our insurance from the escrow account.
|
| 12/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
On XX/XX/23, I spoke with Amerihome Mortgage and they said they were mailing me a forbearance application which I never received. I called Amerihome back on XX/XX/23 to let them know I never received the application. They said they were going to mail it to me again. I have never received the forbearance application. I'm trying to prevent foreclosure on my elderly mother 's home while I figure out how to get her caught up on payments. I feel like Amerihome is not helping me in this situation.
|
| 01/11/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Sent {$2000.00} to Amerihome Mortgage Company acknowledge was received on XX/XX/2020 to be applied to my mortgage " Principal Only. '' Instead was placed in " Suspension. '' After numerous calls and hours spent on hold to have this payment applied to my mortgage, was told the {$2000.00} would be returned to me.
After 30 days, the refund still not returned. I've sent a certified letter, countless phone calls, and still no refund. It is impossible to get any resolution with this company.
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I XXXXwent into forbearance due to the pandemic but decided to end it early in XXXX. Contacted the the company amerihome mortgage and they said it was all cleared up and sent me a letter with deferment option agreed upon. Trying to pay the first payment after forbearance and company headquarters states that I am still in forbearance while loan servicer says otherwise. I am unable to make a payment and they have no clue as to what is going on with my loan and keep sending me in circles.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX
|
| 09/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.
|
| 11/16/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX AMERIHOME MORTGAGE COMPANY LLC carried out an unlawful foreclosure sale on my property. The corporation lacked the necessary authority for this foreclosure as the note had not been legally transferred to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This omission was a deliberate attempt by AMERIHOME MORTGAGE COMPANY LLC to circumvent tax obligations, specifically by avoiding the filing of a Form 1066 income tax return. Such actions constitute a violation of Title 26.
|
| 09/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
AmeriHome Mortgage Co.
PMI Department XXXX XXXX XXXX XXXX, NJ XXXX Fax : ( XXXX ) XXXX, XXXX has fraudulently charged and deducted from my Bank Account {$62.00} each towards PMI even after reaching Loan-to-Value 80 % in XXXX, XXXX and XX/XX/2021. Refusing to refund such fraudulent deductions made. Request your intervention to facilitate refund of such fraudulently deducted PMI. Attached is the thread of emails exchanged between their PMI Department, which are self-explanatory.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The lender, Amerihome Mortgage erroneously submitted a delinquent account for the period of 180 days in XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX.
I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.
|
| 10/02/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.
|
| 07/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was on a forbearance plan, I bought myself completely current and told customer service to take me off the forbearance XX/XX/2021.
They told me it takes 24 hours. As of today I am still current on my payments, working and still on the forbearance. I want Amerihome Mortgage Company to stop reporting the wrong information on my loan. Please put my account back into good standing and most of all release me from the forbearance plan as of the day my account was paid and current.
|
| 06/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
AmeriHome Mortgage has our business phone number in their phone database for an unknown employee. We receive multiple robocalls from AmeriHome with an automated message to call a phone number. I have called the phone number, worked my way through their system, talked with multiple people, and still the calls continue. I have emailed AmeriHome Mortgage and told them to remove our company phone numbers from their database but still the calls continue. We need these calls to stop.
|
| 03/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My former fiance ' and I refinanced with another company as of XX/XX/2020. Due to domestic issues, we can not have any contact with each other per current civil court proceedings. A check regarding escrow was issued XXXX 2020. As we can not have any contact and as we never had a joint bank account, the check can not be cashed by either party. I requested the check be reissued to the county for its intended purpose, which is to pay taxes on property. There has been no response.
|
| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my home and the new servicer ( Amerihome ) has failed to pay insurance via escrow as it is supposed to. I'm going to be dealing with a cancellation in a few days if they don't take care of the problem, but their customer service is functionally unreachable ( it disconnects me after I called and spent half an hour on hold ).
I don't believe I have any right to change servicers, but these guys are wildly incompetent/failing to provide essential customer service.
|
| 10/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have applied for a loan modification and I was told during the loan modification process not to submit payments until approved. I have also been told this should not affect my credit report. I have been notified my credit report shows no payment when I have been told to save the payments until the loan modification have been approved. I believe my mortgage company should not report delinquency during a loan modification process. Please assist by having the report updated.
|
| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy.
They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the XXXX XXXX XXXX and they reported back that the organization they get their reporting through is correct.
Want to fix this disconnect so I can get my credit reporting correctly and fair
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX has marked my payment for XXXX as past due 45 days. I am under the XXXX program since XXXX of 2022 and my mortgage will be paid for 18 months. XXXX was already notified of this and the checks go out every month for payment. I have called and tried to get this escalated with no assistance from customer service. They can not track the payment down and have not helped what so ever. Now my credit report is being flagged for late payments and has gone down XXXX points!
|
| 09/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome, my previous mortgage servicer ( owned by XXXX ) sold my mortgage servicing to XXXX Mortgage Services. XXXX lost a class action lawsuit earlier this year against 30 States. It is completely unethical to make this decision, and reflects extremely poorly on both institutions, the bank ( XXXX XXXX XXXX ), and its investors.
Additionally, I do not wish to have my mortgage serviced by a company that has lost a lawsuit on such a scale. I have no trust in them.
|
| 01/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have contacted Amerihome by phone number at least 6 times and written them 3 letters and emailed faxed regarding this issue. The release of the escrow funds and lowering of my monthly payments has not occurred yet. I am a XXXX Vet and property tax exempt acknowledged by the state of Texas. I have provided proof multiple times and Amerihome refuses to release the escrow funds or adjust my mortgage payment until XX/XX/2020. There has not been a definitive date yet.
|
| 05/11/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Hello, I have had trouble with my mortgage company. I am in a trial payment plan, that should have ended. I have made payments on time, but yet Amerihome has not granted and the payment plan on a permanent basis. They are also reporting this account late on my credit. When I asked about the modification, I was told that they have just taken over XXXX accounts from XXXX. That has nothing to do with me. I want my modification permanent that has been long overdue
|
| 06/03/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am Unable to log in to their website to make a payment ( XXXX ) Tried to call support on XXXX and XXXX and never get to talk to a Human. The automated system does not recognize my loan number or social security number, so I am not able to go further in the process to make a payment. I also sent a email and have not heard back yet either. Payment is due on the 1st and it is very frustrating that I am unable to to get ahold of the company to pay.
|
| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Today, XX/XX/XXXX, I logged onto my lenders website. Amerihome Mortgage. I used their online system to attempt to defer my mortgage payment for afew months as my income has been affected by the current virus. Amerihome claims deferment is not an option, only a forbearance which will require I pay all 3 months off as soon as the forbearance is over. That wont be possible, and is also not what has been told to the American people by the government.
|
| 12/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my loan with another company and closed on XX/XX/XXXX My new loan has paid my property taxes. My previous mortgage company, Amerihome mortgage has also claimed to have paid the taxes and my local tax office sent them the check back of XXXX. Amerihome states I will get the money back once the returned check comes in. It has been several weeks and nothing has happened. I have called 10-15 times to Amerihome. I am getting nowhere.
|
| 11/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage company is refusing to take just one contractual payment and our loan is not in a foreclosure status. We have filed for assistance because we are going through a financial hardship, but they have denied that. We have advised them that all we can do right now is make monthly payments until we 're able to catch up but they are refusing to do so. They wo n't accept a payment from us unless we schedule two payments within the same month.
|
| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A promissory sent to XXXX XXXX XXXX to satisfy the debt obligation for the transferred mortgage which Amerihome wasnt the original lender yet bought it from another lender. You cant buy and sell debt once a debt is bought its satisfied. Yet Amerihome refuses to settle out the account. A note for the full amount was sent and kept. However never crediting the account along with 1099-C. Account still open and not credited or closed out properly.
|
| 04/13/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was temporary laid off as a non essential business employee because of Covid-19.
I was approved for a mortgage forebeafance but the mortgage company said that the entire unpaid amount will be due at the end of the forebeafance because the Cares Act does not currently allow payment deferral.
If I cant make a monthly payment because of the pandemic, how will I be able to make a lump sum payment of a few months all at once while out of work!
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX I had XXXX and was severely affected by it. I was off work and unable to submit my XX/XX/22 mortgage on time. I called and was told I would be covered under the XXXX XXXX XXXX for 3 months. Late payments will not be reported. Late payment was still reported for XX/XX/22. Ive spent over 6 months trying to get it resolved but they are doing nothing about it. The negative credit reporting has affected my credit and I will like it removed.
|
| 02/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
1. over paid on homeowners insurance.
2. had two policies for the one house they never cancelled the older policy.
3. they never sent me the documents i requested 4. i tried to refinance with Amerihome their offer was from 3.5 to 3.35 5. i did get offer from XXXX XXXX for 2.25 dropping monthly payment x {$120.00} 6. now amerihome won't take XXXX payment {$930.00} intill i sign their refin papers 7. Now I don't know weather I can refinance
|
| 05/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome Mortgage has collect funds from me to cover my homeowners insurance and my property taxes. AmeriHome did not pay my home owners insurance and I recived a cancellation notice from my insurance company. I had to call and demand payment of my insurance then they paid the insurance. Now I have a Tax Certificate issued against my property as they collected money from me to pay my taxes and as of today XX/XX/2023 they have not paid.
|
| 03/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I purchase a home I only been here for 5 months and my mortgage company Amerihome keeps increasing my mortgage Im struggling to pay I dont understand my taxes nor have my insurance increased why is my mortgage steadily increasing? They have enough to pay principal and interest and my taxes what is happening This will cost me to lose my home Please help me my name is my mortgage company is Amerihome my loan rate is locked not adjustable!
|
| 04/11/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced with XXXX XXXX in XXXX of 2018. My loan got transferred to AmeriHome. I have yet to receive any communications from AmeriHome about my loan number and where to send payments. Customer serve rice is hideous ... hour of waiting on Holden or you get disconnected. I have also sent emails about address of where to send payments with no response. Horrible company with bad reviews all over the Internet about poor customer service.
|
| 04/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have currently tried on multiple occasions to contact mortgage company with no success. I have asked to not be on forebearence as well as to take off mortgage and hazard Insurance as i have provided documents through email and fax through western reserve. I have not been able to contact due to them ending my call when being transferred. I am asking Amerihome mortgage XXXX to take off mortgage insurance and no forbearance on our loan.
|
| 06/03/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX.
I did not pick Amerihome ; they bought my mortgage from XXXX.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX
|
| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage account was transferred to XXXXXXXX XXXX from Amerihome Mortgage. A payment of {$9300.00} was made to Amerihome for 2 months payment and escrow shortage. Amerihome has not transferred the payment to XXXX and they have no tracking of the funds being transferred. They are unable to tell me were exactly the funds are. I need this payment investigated and successfully transferred to XXXX to avoid negative credit reporting.
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States i have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
|
| 12/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
i am a extremely ill sick XXXX consumer of ameri home mortgage company who refuses to asist me with my mortgage hardship and/pr to modify my mortgage i am in a very difficult hardship position with my mortgage payment need help assistance ameri home my mortgage continuose to refuse assistance and help with my mortgage hardship even though i numerous times have applied and requested them to assist me with my mortgage hardship.
|
| 02/03/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
|
| 03/03/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
It has become apparent that Amerihome is once again misapplying or not applying electronic mortgage payments that are receiving from me as they are once again threatening foreclosure and reporting that they have not been paid for six months. I have attached copies of payments made over the last 8 months. Additionally Amerihome is still refusing to update my mailing address. Further they have not delivered my tax information.
|
| 12/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.
|
| 05/03/2021 |
Yes |
|
|
|
Web |
|
|
I have yet to receive any follow up on requests from the loan processor XXXX XXXX. Ive left messages with sales dept and on his voicemail now and yet he never responds. I always seem to reach out to the loan officer who contends he will do his best however the loan processor will call which he never does. Ive paid this company for almost 2 years with a mortgage with no issues and now Im starting to rethink my decision.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
Due to COVID-19 I contacted my mortgage company advising that I was furloughed and no income, I was told that a package will be sent to fill out to see if I qualify to not to pay for three month since everyone is suffering cause of the Virus. Received the package and completed and sent on XX/XX/2020 Next thing my credit score gets dropped by 100 points.
Name of the mortgage company is : Ameri Home Mortgage Acc # XXXX
|
| 10/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried talking to the mortgage company and ask for assistance and they will not review a short sale. I can not afford my mortgage because I lost my income and have since gotten another job but I am receiving significantly less then i was before. I need help, and I have a buyer who is willing to purchase the property. I am just asking for them to review so we can get a short sale done and i can avoid foreclosure.
|
| 12/15/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I have for the last week messaged with Amerihome Mortgage regarding paying my taxes out of my escrow by XX/XX/XXXX I have included my mortgage paperwork showing this is the option I picked. They either don't respond or respond saying they will pay them in XX/XX/XXXX. That is not what my paperwork shows. I have asked to remove taxes from my escrow and I will pay them myself but that is not an option with an FHA loan.
|
| 02/04/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The Florida Department of Economic Opportunity - HAF Program states they sent the XXXX mortgage payment on XX/XX/2023 and the XXXX payment on XX/XX/2023 as of today XX/XX/2023 AmeriHome Mortgage states they have not received either payment or they say they do not have it. Payments are being wired transferred in batches and it has not yet been applied to my account, which means it is overdue and affecting my credit.
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Amerihome mortgage states were not current from XX/XX/XXXX to XX/XX/XXXX. When we in fact caught we were making our mortgage payment plus extra to catch it up, caught it up completely in XXXX. They never reported any of that or comment that we were working on it. Then they sold our account to XXXX and they havent reported that they even have the account or that we've been making out payments and are current.
|
| 09/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
I purchased my home at XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/2023. I am being charged for PMI even though I am below the threshold to be charged for this. The appraised value for my home is {$320000.00} and I only financed {$240000.00}. Therefore, I am only at 76.48 % loan to value. I have asked for this to be removed, but the company is refusing. This is not right and needs to be fixed immediately.
|
| 05/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them!
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?
|
| 04/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome Mortgage Company LLC failed to pay my homeowners insurance premium despite collecting the money from me in escrow. When alerted of the failure multiple times including by phone and escalating within the company, they have failed to resolve the situation, resulting in cancellation of the policy. A written request on their online portal has not yet been responded to, ever, after 22 days.
|
| 12/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage has repeatedly failed to communicate with me in a timely/effective manner to notify that a payment was reversed. My account has sufficient funds and I have verified on their site that my information is correct. Trying to avoid a delinquent payment with them is like herding cats because of the ineptitude of their staff and lack of functionality aloft of their site and systems.
|
| 09/18/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am a first-time homeowner and I had no idea my mortgage lender did not accept partial payments.
While juggling the adjustment from renter to homeowner I sent in partial payments only to see the mortgage company cash them and then weeks later send a company issued a check.
I 've tried to reach the mortgage company on XXXX and there 's a recorded line and I can never reach a live person.
|
| 04/25/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I submitted a complaint ( Case nu mber : XXXX ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel # XXXX which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday
|
| 11/05/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I was approved for a grant from HAF to cover my mortgage payment. In that process my mortgage servicer was transferred. Instead of forwarding my XX/XX/2023 mortgage payment to the new company like they are suppose to by law, they returned to the state where the grant was from. I contacted the state and they are saying they did not receive any payment back from the service provider.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Americhome mortgage was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed.
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies XXXX, XXXX AND XXXX
|
| 10/30/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My wife lost her job during Covid and I asked for the Covid forbearance option. I have now filed bankruptcy and have tried numerous times to have my mortgage company amend or change any terms to continue to own my home, but they have now sold my loan multiple times and no one will respond. They are asking for me to pay the entire forbearance amount, with interest, all at once.
|
| 09/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a 100 % XXXX veteran and I have received a tax exemption notice from my county tax department and have submitted that document along with the XX/XX/2022 tax bill to have my escrow amount reduced due to my {$0.00} tax burden decision, however the mortgage company just keeps giving me excuses that its being reanalyzed every time I've called since XX/XX/2022 with no resolve.
|
| 11/03/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I made a payment to my amerihome Morgage However the payment was not taking out in time. I was not notified about the situation.when I realize later I had them take the payment right away as this was a mistake. This has been hurting my ability to get a new loan and take advantage of the wonderful low rate they have now. Please assist me and getting this resolved ASAP.
Thanks
|
| 10/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was paid off XX/XX/2020. I have been in contact with the lender several times since trying to get money owed to me from escrow overage. They owe me a total of {$2600.00}. They have stated on several ocasions that they would be sending me the check. I have not recieved anything from them yet. I am just looking for help.
company name : AmeriHome Mortgage, NMLSID XXXX
|
| 11/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
amerihome Mortgage erroneously included an extra insurance policy into my escrow whereas I only have one policy. Because of that, my monthly mortgage payment has increased by more than {$100.00}. I have called them 5 times and emailed multiple times and they have not corrected the escrow and monthly payment. It has been about 3 months and they completely ignore my requests.
|
| 01/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Amerihome mortgage wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Amerihome Mortgage Company reported 5 months of over 30 days late payment and that was not true. I was in forbearance for exactly XXXX year and i was assured time and time again that forbearance would not reported as late payments. I was never ever late on a payment before or after the forbearance. Yet they have destroyed my credit by their erroneous reporting.
|
| 08/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Greetings I have a mortgage with AmeriHome Mortgage. Every month I overpaid my mortgage and the extra was always applied to the principal. On my most recent payment, the extra was applied to future payment instead of the principal. I have called total of three times trying to get the issue. The customer service said they will correct it but is never done.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by XXXX points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
|
| 05/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XXXX of 2020 they paid my insurance company twice on accident. They have yet to get that money back. The insurance agency has sent the check but it has not been deposited. The company XXXX has not gave me a response on how they will be getting my money back. Nor am I able to go directly to the insurance company as the payment came through amerihome.
|
| 11/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have sent them ( AmeriHome ) my letter from the county with my exemption for taxes. They are not responding to my tax exemption. Instead they are withholding taxes and not obeying the regulation concerning vets. I have called them and was told they will eventually get to it. I do not want to pay unnecessary taxes and have to file to get them back.
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022, I closed on the sale of my home and the full payoff amount was wired to my lender, Amerihome Mortgage. Receipt of the funds was confirmed by Amerihome Mortgage and my loan was completely repaid on XX/XX/2022. Amerihome Mortgage is holiding approximately {$2400.00} in my escrow account and they still have not returned the funds to me.
|
| 12/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my mortgage and Amerihome sent me my escrow refund and then cancelled my check in XX/XX/2020 because they claimed it was not properly endorsed. I have been trying to get a check reissued for almost a year now and they still have not done it. I have attached the stop payment notice from XXXX XXXX XXXX XXXX for the total of the check.
|
| 03/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was sold, I made the payment to the new company via an online check from my bank. The payment was recieved but not applied to my loan. I have provided proof of the transaction however, they are requiring a certain type of proof which I can not get from the bank. I am attempting to refinance and this payment issue is delaying the process.
|
| 04/29/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have constantly asked to be emailed a disbursement of all my history of payments and payoff and I have requested ow 6 times and amerihome constantly never emails me as advises they will. I asked for a supervisor and yet no one will speak to me. Im extremely upset that I have to go through this process just to retrieve my own account info
|
| 08/24/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to save my house for over a year now and I have had 2 foreclosure sale dates that I have had to stop them. There is a 3 third time now and they still have a sale date scheduled in less than a week. I have a complete loan modification packet and my current loan modification packet has been complete for over 2 months now.
|
| 09/03/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
For the last couple of months I have been trying to complete a loan modification with my lender but they keep asking for repetitive documents. I have provided proof of my hardship which is my husband lost his job. I am concerned that they are going to try and place a sale date on my home when I keep sending documents over and over again
|
| 07/27/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, I was previous approved for a modification. I received three modification packages and returned all three. I even called asking why am I receiving three different packages. I was told their numbers where wrong. I received a letter today stating the package was denied because I did not rerun package. I returned all the packages.
|
| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX, my mortgage was sold from Amerihome Mortgage to XXXX XXXX. Amerihome Mortgage has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted Amerihome but they have not come up with a resolve as of yet.
|
| 09/12/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have made a mortgage payment to Amerihome Mortgage company on XX/XX/2022 also I have sent proof of payments documents and also my bank XXXX XXXX XXXX XXXX has sent proof of payment documents and for home mortgage company is still refusing to apply the XX/XX/XXXX payment and Amerihome is threatened me with foreclosure documents.
|
| 03/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I prepaid my property tax to XXXX County Il in hopes of taking advantage of the recent tax law changes.
Payment made XX/XX/17 for {$7600.00} Amerihome Mortgage Company refunded from my escrow {$6600.00} They refuse to pay me the full amount of my payment and owe me {$1000.00} AmeriHome XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
AmeriHome has a mortgage under my name in their online system that is not mine. I am not the homeowner. I do not live at the address. I am getting emails about this loan and I cant get the company to remove the loan from my profile online. Please help me as I have no loan with this company. My loan was paid off in XXXX.
|
| 03/16/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I qualify for mortgage assistance from XXXX XXXX housing authoritiy. They need a XXXX form to submit payments on my behalf and they sent the wrong form initially. They, Amerihome, after a month have still failed to get ne the correct form after I have made several calls and been on hold for at least an hour every time
|
| 07/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.
|
| 12/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I refinanced my house on the last day of XXXX 2015. The loan with Amerihome Mortgage was paid in full, yet on XXXX XXXX, 2015 this company took {$870.00} out of my checking account via an automatic withdrawal that was supposed to be closed. They now refuse to return my funds. They have even ignored a complaint XXXX.
|
| 04/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been approved on a forbearance plan through my home mortgage. When I applied on another loan, my credit report showed I was delinquent for three months on my mortgage. To clear this account, I paid the three months forbearance plan but it did not clear on the credit report, thus making my credit score low.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Again, this mortgage company has marked payments as missed payments when they have received the payments.
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet.
This is false information and is highly unethical of this company.
|
| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company, AmeriHome Mortgage sent notice they did not receive a payment from XXXX, XXXX or XXXX. This is false as I have the bank statements proving payment went through. They have not credited the account and are in error. I just want this resolved so I am not put falsely in default by their mistake.
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
It is impossible to get a human on the phone with AmeriHome Mortgage Loan Servicing department. There is no feature to go straight to a human one has to wade through multiple voice menus, then when one finally gets an option to get human help, a recorded message tells you how busy and understaffed they are.
|
| 02/20/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recieved forcolsure notices on XXXX from Amerihome and the foreclosure process was set out to start on XXXX but we sold our house and paid off AmeriHome on XX/XX/2020.
AmeriHome is reporting on our credit report that we have a foreclosure and it is prohibiting us from buying a new home.
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Currently have a mortgage with amerihome which services loan for escrow payment of insurance and taxes. Amerihome montage company did not pay home owners insurance in a timely manner and my policy was cancelled.Escrow account at time of payment due had surplus funds covering this payment..
|
| 05/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome mortgage has not applied my homestead exemption to my account. The mortgage company was also asked numerous times to remove the foot front door utility tax I am wrongly being charged for. These complaints have been ongoing since XX/XX/2021 and have not been rectified yet.
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
my mortgage payment recently raised by about XXXX a month.
previously i had bill pay scheduled for XXXX a month.
the first month i sent a second payment to make up the shortfall but forgot to amend my scheduled payment going forward.
the company is now returning my XXXX payment.
|
| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal
|
| 03/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent a written communication to my lender ( attached ) more than a month ago concerning my Private Mortgage Insurance and I have not heard any kind of response from them. I would like to hear back concerning my request to remove PMI from my loan which is in great standing.
|
| 10/10/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
I have made my XXXX, XXXX XXXX payment to XXXX. they sold my loan to AMerhome and then my paymeny was reverse. so i had to make another payment for XXXX after making numrious calls to XXXX and XXXX. the ladytold to make a payment so that i would incurrr any late fees etc
|
| 08/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XX/XX/2021 contacted XXXX XXXX payment processing Issues payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( XXXX ) ( g ) ( I ) ( D ) to date XX/XX/2021
|
| 07/09/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
i tried to modify my loan to have my mortgage payments lowered my mortgage comapny refuses to lower my mortgage payment even though i send them all the details hardship about my hardship and they continue to refuse modifying my loan to make my mortgage payment lowered.
|
| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been trying to communicate with them about my property taxes not having been paid with my escrow money and they then sent me a notification that the bill had been paid and it still has not been paid according to the county website 3 months after the due date.
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.
|
| 01/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had applied for forbearance through my Amerihome morgage. After I was sent a letter saying it was approved. In these days, I got a letter saying it was cancelled because of me when I did not cancel it. It was for 3 months for the amount of about {$4500.00}.
|
| 05/11/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 I asked for amerihome mortgage to please stop calling me and to place my number on the dnc list. On XX/XX/XXXX they called my number again after I requested a dnc so the prior individual did not record the dnc which is a violation of my rights.
|
| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage through AmeriHome Mortgage was satisfied ( closed ) on XX/XX/2019. We have been waiting on escrow and overpayment refund for 27 days. The automated phone system states that all monies owed back to the customer would be released within 20 days.
|
| 04/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The mortgage company delivered false and inaccurate information regarding the status of the mortgage related to foreclosure. Lender denied multiple formal requests to apply for FHA mandated Partial Claim to allow for delinquent amount without any review.
|
| 04/09/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage servicer, Amerihome Mortgage, still is not offering a forbearance package that complies with the CARES act. They are only offering short term forbearance where the total payment amount postponed comes due at the end of the forbearance period.
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome mortgage has deducted payments from escrow in error. Acknowledging they paid insurance 3 times ( two in error ) but have failed to resolve or replace funds in our escrow. Furthermore our insurance company has denied ever receiving the payment.
|
| 09/28/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 I paid off my mortgage in full. Upon payoff, I was supposed to be reimbursed the proceeds from my escrow account. Despite repeated messages and calls, as of XXXX XXXX, 2020, I still have not received the proceeds from my escrow account.
|
| 07/10/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have had an offer sitting with the bank for over 36days regarding a short sale transaction. Amerihome/XXXX has responsed to come up on the offer to appraised value $ XXXX which which was done 36days ago. Need a decision on the short sale approval.
|
| 11/01/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2019 my Mortgage which is on a 30 yrs fixed rate at 3.875 percent just went up an additional XXXX a month and the Escrow just told me it was because of switching insurance and switching back to the original insurance which make NO Sense!
|
| 08/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have been approved for HAF ( Homeowners Assistance Fund ) for 18 monthly payments of {$1400.00}. When I call my mortgage company I get the run around and no one can give me a clear answer as to if they have received check payment from XXXX.
|
| 10/07/2019 |
Yes |
|
|
|
Web |
|
|
I have been trying to get a case number transferred for a refinance mortgage. Upon multiple request 's, they will not release it to us and refuse to use our authorization form signed by the borrower. I have attached the authorization form.
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Back in XXXX of XXXX I started forbearance going into forbearance I was 60 days late and during forbearance I paid all my payment while I was on forbearance. In XX/XX/XXXX it still shows on my credit report that I am still 60 days late
|
| 03/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Unable to access my account online. Lender non responsive in requesting for paper statements. Their website has been nonfunctional for the last couple of months.
Given my inability to access my account I have no clue my account info
|
| 10/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.
|
| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Amerihome is misreporting my transferred mortgage to XXXX. The mortgage was transferred to XXXX XXXX, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.
|
| 01/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
ameri home mortgage company refuses to assist me with hardship with my mortgage even though i appled many times and asked them for help requested for help still refuses to help me with my mortgage hardship i am having?
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage charged me for a " gap in insurance coverage '' when in fact there was no gap. They claim that there was a gap between XX/XX/2022 and XX/XX/2022 and charged me {$29.00} even with proof of coverage.
|
| 10/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan appeared to be transferred or sold to another servicer, and I was never notified in advance. In addition to this, I can not get in contact with a real human being at Amerihome Mortgage to talk about this.
|
| 07/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have sent an email to assumptions for amerihome mortgage company and said I would get a response in 7-10 days. My email was sent on XX/XX/XXXX. I need my problem solved for payments thank you
|
| 12/02/2021 |
Yes |
|
|
|
Web |
|
|
I am in the process of closing a sale on my house and Amerihome is refusing to supply documentation proving they had authorization to sign the mortgage documents.
|
| 02/07/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Ameri-Home Mortgage failed to pay my property taxes. After months of complaining the billed was paid. Now I 'm showing a tax lien on my credit report.
|
| 07/01/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I'm an furlough until i get called back to work. I just need some help with my mortgage payment. I just bought my house a few months ago
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Amerihome is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.
|
| 04/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The company refused to get my payment back from the insurance company that owe me a refund because I never needed flood insurance
|
| 09/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I brought my principal threshold leas than 80 % to waive PMI but still mortgage company is not taking any action.
|
| 07/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Amerihome Mortgage is rejecting my monthly payments and is trying to purposely take away my home.
Please help!
|
| 10/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was on a covid forbearance plan, and all of a sudden XXXX and Anerihome reported my mortgages as past due.
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
No payments have been reported since XX/XX/20. Not showing payments have been made and are current.
|
| 05/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Current loan company Amerihome mortgage sold my mortgage without giving me a proper notice.
|
| 09/26/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Amerihome mortage is not accepting prepayment of my loan Loan number XXXX
|
| 03/21/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I have made every mortgage payment since opening. These people are inept.
|
| 06/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This company added a unknown person to our account.
|
| 02/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
AFETER HURRICANES IMAR I MISS TREE PAYMENTS
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was never late on this account.
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Phone |
Older American |
|
|
| 01/21/2024 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Older American, Servicemember |
|
|
| 01/08/2024 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Phone |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Referral |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
|
| 11/22/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Referral |
|
|
|
| 11/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
Servicemember |
|
|
| 10/11/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Referral |
|
|
|
| 09/15/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 08/23/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/25/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 07/16/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 06/21/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/14/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/02/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/13/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/05/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/09/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 02/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/27/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 01/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 12/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/24/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 10/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 10/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/12/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
|
|
|
Referral |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 12/07/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 11/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/30/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/24/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/21/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/31/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 07/28/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
|
| 07/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 05/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 05/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/28/2021 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/16/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
Older American |
|
|
| 03/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Fax |
Older American |
|
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/16/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 02/11/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 12/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 12/05/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/02/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/04/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 08/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/23/2020 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/16/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/31/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American, Servicemember |
|
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 01/13/2020 |
Yes |
|
|
|
Web |
|
|
|
| 01/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/15/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2019 |
Yes |
|
|
|
Web |
|
|
|
| 12/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/19/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/21/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Older American |
|
|
| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/11/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/01/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/15/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/07/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/03/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/19/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 08/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/20/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/30/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/20/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/19/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/07/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/03/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 04/20/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/20/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 04/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Fax |
Servicemember |
|
|
| 02/22/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/06/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/20/2018 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/11/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/02/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 09/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/17/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/06/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/09/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/01/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 03/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/08/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Fax |
|
|
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 01/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/16/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 12/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 12/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 12/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 10/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/05/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 01/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
Older American |
|
|
| 08/20/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 04/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/11/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/06/2014 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|