Consumer complaint received 2024-01-28
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
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!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation