Consumer complaint received 2018-04-25
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a copy of the latest written communication to AmeriHome Mortgage : Dear Escrow Research Department : This is my 9th communication to you regarding our escrow account. The following details the communications we have had with AmeriHome Mortgage : 1. XX/XX/XXXX 1st verbal communication requesting an escrow review, we were to receive {$5700.00} returned to us because our taxes were only {$250.00}. 
2. XX/XX/XXXX 2nd verbal communication to determine why we had not received the escrow refund, was advised the escrow analysis was re-analyzed and we were to receive {$4600.00}. 
3. XX/XX/XXXX 3rd verbal communication received escrow check with detail that our payment was going back up to include $ XXXXmon in escrow. Requested escrow review wherein AmeriHome Mortgage CALL the XXXX County Tax Assessors office to appropriately calculate our escrow to reflect the correct estimated tax of {$520.00} for 2018. 
4. XX/XX/XXXX 4th verbal communication received call from AmeriHome Mortgage advising they checked the tax value online ( did not call as requested, because the online information is not correct ) and would not adjust the escrow amount because the value is not reported correctly online. 
5. XX/XX/XXXX 1st written communication faxed escrow termination request to XXXX 6. XX/XX/XXXX 2nd written communication emailed escrow termination request to XXXX. 
7. XX/XX/XXXX 3rd written communication emailed Notice of Value Real Property Assessment letter received from XXXX County Tax Assessors Office to  XXXX 8. XX/XX/XXXX 5th verbal communication called to determine why we received collection letters while we are in a dispute. XXXX supervisor advised AmeriHome received the written escrow termination letter, however since it was not signed in ink it was ignored. He said he would have someone from the escrow department CALL the XXXX County Tax Assessors Office to obtain the estimated taxes for XX/XX/XXXX. 

I truly dont believe anyone will contact the XXXX County Tax Assessors Office as requested, because your activity is proving to be fraudulent. The lack of customer service at AmeriHome mortgage is staggering. 
We wish to terminate our escrow account with AmeriHome Mortgage on loan number XXXX, IMMEDIATLY. 
Our home is in a XXXX XXXX where in we receive significant tax reductions for the first 5 years we live in the home. I contacted the XXXX County Tax Assessors office on XX/XX/XXXX and received the following tax information regarding our property. 
Our parcel ID is XXXX and the current assessed value is {$180000.00}. 
XXXX reduction through years 1-5 is as follows 90 %, 75 %, 50 %, 30 %, 10 % The reduction is based on the building value of {$160000.00}. 
Estimated tax for XX/XX/XXXX is {$460.00} + a solid waste fee of {$63.00} totaling {$520.00}. 
We received the enclosed letter from the XXXX County Tax Assessors office dated XX/XX/XXXX which validates the information above. The tax value of our home after the XXXX XXXX is {$35000.00}. Please tell me how the rocket scientists at AmeriHome Mortgage calculate our taxes to be {$4000.00}! You are collecting nearly 8 times the amount we owe!! This is fraudulent behavior. 
We have asked several times for an escrow review, wherein you actually CALL the XXXX County Tax Assessors office XXXX. However, you have failed to do the proper research to correctly project our escrow. Therefore, we wish to terminate our escrow account, IMMEDIATELY, please return any and all remaining money immediately. Furthermore, we will not continue to pay you the ridiculous amount you have inaccurately projected. If you attempt to send me to collections or blemish our credit, I will go to the ends of the earth to make certain you never service another mortgage again! 
Sincerely, XXXX Notice of Value Real Property Assessment

Company response to consumer: Closed with explanation