Consumer complaint received 2022-06-02
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
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.

Company response to consumer: Closed with explanation