Consumer complaint received 2022-03-26
Company: AmeriHome Mortgage Company, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint about my mortgage lender, Amerihome Mortgage Company , LLC ( XXXX ID XXXX ). Their phone number ( XXXX ) XXXX. 

My complaint is that Amerihome escrows significantly more for real estate taxes than I actually owe. They have done this for nearly 4 months and refuse to respond to my request to stop over-charging and to refund the amount of my excess escrow. I believe Amerihome Mortgage Company 's actions violate my rights under RESPA. 

Specifically, Amerihome has calculated my escrow amount as if my real estate taxes are {$24000.00} per year when the actual amount of my tax is just {$4200.00} per year. I have attached a copy of my real estate tax bill from XX/XX/XXXX that shows my annual tax amount due. 

The reason Amerihome is over-charging me is that Amerihome received and paid an incorrect tax bill of {$28000.00} from the county on XXXX XX/XX/XXXX. When the county discovered that my tax bill was incorrect, it issued a corrected tax bill in XX/XX/XXXX. It also issued directly to Amerihome a full refund of the overpaid amount of {$26000.00} on XXXX XX/XX/XXXX. 

However, Amerihome did not adjust its escrow calculation and has continued to over-charge me. Since XX/XX/XXXX ( after the refund was issued by the county to Amerihome ), Amerihome based my escrow tax payments on the erroneous tax bill and has never changed it. As a result, every month I continue to be charged {$8300.00} by Amerihome rather than the correct amount which is only {$3500.00} per month.

I have spoken with Amerihome and written them about this overcharge and the fact that Amerihome was refunded 100 % of the amount that was overpaid due to an error in tax bill. I have specifically asked Amerihome : 1 ) to correct their miscalculation of my real estate taxes and re-adjust my monthly escrow payment so that it is accurate, 2 ) to refund to me the {$26000.00} refund the county issues Amerihome in XX/XX/XXXX for overpayment of real estate taxes, and 3 ) to refund to me the excess escrow payments they have withheld every month since XX/XX/XXXX. As of XXXX XX/XX/XXXX, the amount I have overpaid is {$14000.00} ( not including any interest I might be entitled to ) and keeping in mind this overpayment continues. In total, the amount I am requested Amerihome refund to me is {$40000.00}.

All of my concerns to Amerihome have been ignored which is why I am filing this Complaint. The deadlines set out in RESPA for Amerihome to respond to my request and to issue me a refund of the money they have wrongly escrowed has long passed. This summary of the dates of some of my communications makes it clear that those deadlines have been ignored. 

These are the dates I complained and requested action via phone or in writing through their website with Amerihome : * XXXX XX/XX/XXXX ( online chat ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) Now I am requesting your assistance to get Amerihome to immediately adjust my monthly escrow payment so that it is accurate and to refund the amount they have over-charged me.

Company response to consumer: Closed with explanation