Consumer complaint received 2018-10-29
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a continued case from Compliant # XXXX I received 2 calls both a message with no person 's name just a voicemail to call HomeBridge and a phone number. ( Very unprofessional ). When I called back they said that everything is cleared up on my account and that I did not owe any past due amounts. They said I would receive a letter any day about them sending a notice to a 3 credit agencies to remove any negative marks. ( I did received the letter ). After our conversation ended, the rep called me back and told me that I actually overpaid all this time {$2700.00} and asked if I wanted a check. I told the rep that it was suppose to be applied to the principal all this time. I told him I would discuss with my Husband and my bankruptcy attorney. I received the 2nd call no name just voicemail and I called back they said my loan will be transferring to a new mortgage company. I told the lady rep that I wanted them to apply the {$2700.00} to the principal. She said she would make note. 
In regards to the letter from Homebridge
( see their response on the previous C
ase # XXXX. My comments to this letter are : I received a escrow statement they sent to my lawyer every year except XXXX. By LAW they are to send every year 's escrow payment to the bankruptcy lawyer and file with the court. They did not do this for XXXX. My bankruptcy confirmed they did not file with the courts per court records. Homebridge does say due to an inadvertent staff member error .... I never saw a past due amount on the escrow statements I received in XXXX and XXXX and paid what the new amount was. The letter further says that I told them to apply part of the {$2700.00} over payment to my XXXX mortgage and apply the balance to the principal. I did NOT tell the rep this. 1st of all I had already paid my XXXX payment. I told her to apply all the {$2700.00} to the principal. They need to go back to the RECORDED call! I do not yet again want the {$1700.00} I just paid for XXXX mortgage to be setting in Homebridge 's savings account getting interest when I said to apply all of the over payment to the principal. 

All of this time that I have been paying extra to go toward the principal was going to Homebridge 's account earning interest for them while they were sending remarks to my credit agency. This also caused me to pay more on interest since it was not being applied to the principal. I do not think this is fair. Finally there is a Monetary relied amount listed of {$340.00}?? What is that? I haven't seen that and that is nothing compared to this mess and time I have to waste on something due to HomeBridge 's employees errors. 

To make this all worst!! I received another statement 2 days ago with past due amounts AGAIN {$1300.00} pre bankruptsy and {$1800.00} past due???. This is not cleared up and now this will be reported to the credit agencies again! I would like these past due amounts to be taken off my account ( see statement attached ). I may have to take additional means to get this cleared up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief