Product: Mortgage

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.