Consumer complaint received 2020-11-16
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two Issue with AmeriHome Mortgage ( AHM ) Occurred : www.Amerihome.loanadministration.com Both have to do with the Escrow Company failing to return my Escrow Balance within the allotted time frame, thereby making false claims so they can earn interest on my refund rather than give it to me timely. 
ISSUE ONE : XXXX AHM issued a check for {$170.00} as an overage on the Escrow Account. ( we failed to cash it in a timely manner- we own that ). 
XX/XX/XXXX, we attempted to cash the check, but AHM had already put a stop payment. We were charged {$35.00} for the Attempted transaction. 
XX/XX/XXXX called and requested a reissue. Gave all identifying information ( Check #, account # and amt ) Including sending a copy of the check. Kept original for verification, and told did not need to return. 
XX/XX/XXXX Still no check for {$170.00}. Spoke with XXXX XXXX rep. Notes indicated that the department that handles that type of check issuing noted that they did not have enough information to process the reissue of the check. What was needed : Check Number. I had already given that, but gave again. XXXX indicated she would resubmit request to reissue check. 
XX/XX/XXXX : called AHM to see if check reissued : No record in account of reissue completed. 
XX/XX/XXXX Still no check. Today, I was told that my account was flagged for an incorrect address, so no payments could be processed, even though I have not changed my address, and when the rep read back my address it was correct. She indicated she would once again reprocess the refund request for the {$170.00}. 
MIND YOU this is a check for money that has been outstanding since XX/XX/XXXX. They have been able to make interest on this for 11 months now. 

ISSUE TWO : FAILED TO REFUND MY ESCROW ACCOUNT AFTER A REFINANCE TRANSACTION. 
XX/XX/XXXX : Transaction completed and mortgage payoff date. Escrow was to be processed for refund within 21 days. 
XX/XX/XXXX : Alleged Issue of Refund consisting of 3 checks. {$68.00} ( PMI ), XXXX & XXXX. 
XX/XX/XXXX : Contacted AHM still no checks were received. Was told that I had to wait until XX/XX/XXXX ( 30 days after original issue ) to report checks as missing. I was told that the mail delivery has been slow due to the Election, and to be patient, that it will come. 
XX/XX/XXXX : Contacted AHM. They claimed a check for {$68.00} was issued on XX/XX/XXXX for the PMI. BUT not the rest of the Escrow. 
XX/XX/XXXX : contacted AHM. Representative claimed that on XX/XX/XXXX, a check was reissued for {$68.00}. ( PMI ), but no mention of the rest of the Escrow ( {$28.00} + {$1700.00} ). Rep kept going offline to speak to someone. Then came back and said my address must have been wrong, and that it was returned. Again, I repeated my address, and after some clarifying questions she finally revealed that someone ( refused to tell me who ) flagged my account to say that my address is wrong and no payments can be processed. This after repeatedly telling me that checks were allegedly already issued and en-route. Rep refused to give me dates that the payments were allegedly issued, and or returned. I asked to speak to a Supervisor, and was told that I was not able to do so, and that I could receive a call back within 48 hours.

This Escrow company has failed to return my Escrow funds within the Legally allotted timeframe. I want my refund overnighted to me. This game has gone on long enough. No need to upload any documents, the company does not dispute they owe me the money, they just cant seem to get it to me and have used lame excuses for why I do not have the checks yet. If this company is using this as a way to continue to earn interest on monies that are in their accounts, that should be in the hands of consumers, this is wrong and should be illegal. I somehow think I am not the only one that has had this experience.

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