AmeriHome Mortgage Company, LLC
Consumer Complaints
There are over 458 complaints on file for AmeriHome Mortgage Company, LLC. Dated between 2019-12-02 and 2014-11-14.
Complaints Page 15
2017-07-19
Rowlett, TX
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-06
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-07-03
Hartford, AR
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-27
Magnolia, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-21
CT
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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
Company Response: Closed with explanation
2017-06-21
Palos Park, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: 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.
Company Response: Closed with explanation
2017-06-20
Austin, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-14
Phoenix, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-07
Lewisville, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
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Please I need your help.
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Date : 2016 Amount : tax owed {$5600 .00}
Company Response: Closed with explanation
2017-06-05
Austin, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-01
Scottsdale, AZ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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.
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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.
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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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-30
Newnan, GA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: 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. <P/>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. <P/>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. <P/>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. <P/>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}. <P/>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. <P/>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. <P/>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. <P/>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. <P/>This illegal unethical mess has caused me to be hospitalized twice for XXXX, over the past two months.
Company Response: Closed with explanation
2017-05-29
Ehrhardt, SC
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-26
DC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Arco, CA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-05-11
Bremen, GA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-05-09
Camden, NJ
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-06
TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-05
Philadelphia, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-02
IL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Washington, DC
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-25
TX
Trouble during payment process
Mortgage: VA mortgage
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-25
DC
Trouble during payment process
Mortgage: VA mortgage
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-21
Akron Canton Region Airport, OH
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-19
Spencer, MA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation