Consumer complaint received 2023-04-25
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Letter to complain on Ameris I lost my job in end of XXXX, used my last check to make one more payment on my mortgage for XXXX UNDER AMERIS XXXX I was told by several representatives that I was in the forbearance program due to losing my job from XXXX. I was told I only had to sign the document that arrived in mail with brief summary of job loss. Later in the month of XXXX, I was told after 4 months that I had not been in the program and was in pre foreclosure. I was told that I had to pay over {$4.00} XXXX to prevent foreclosure, or do the loss mitigation packet which was a joke and waste of time, yet I did it out of desperation. 

I had paid XXXX XXXXthat was in the holding account, which is half of one months payment. I was due to make a second payment to keep myself OUT of foreclosure. I spoke to a woman in the pre foreclosure department that was in shock to see proof that I was ACTUALLY in the forbearance in her records. 

I told her I would be making a payment on Friday which would have kept me out of foreclosure. Unfortunately Friday was one day after she transferred my loan to foreclosure attorneys due to it being the first making it officially 4 months. 
I pleaded and wrote letters to the loss mitigation department regarding what happened, how I was lied to from mis information and deserved a chance to just have the late months placed on the back of the loan until I can catch it up. This was an actual option of the Loss packet, but my request was not honored I asked even after jumping through many worthless hoops for rejection of the loss mitigation packet. which I learned is designed to be extra difficult for the discouragement of the homeowner. 
Finally after being IN FORECLOSURE with the attorneys, I was able to pay after my income tax came. I went from owing almost {$4.00} XXXX to over XXXX XXXXXXXX I was given an exact amount to pay via wire transfer ONLY to the Attorneys. attached is the document showing the figure I was quoted. After the payment was made, and I was in the clear, I was told in an undocumented phone from the attorneys that AMERIS asked them the call me and request more money. 

Apparently AMERIS had made a mistake and I needed to pay an ADDITIONAL {$240.00}. I refused because the legal amount I was quoted is what I paid. I struggled to get that money, and It was not MY ERROR. XXXX XXXX math people added wrong, and should have JUST LET IT GO. 

I made my huge payment via wire transfer, on XX/XX/XXXX. I was told I still needed to resume payment on XX/XX/XXXX of XXXX. I had my full payment in of the {$850.00} on time for the month of XXXX. 

Then I get a letter stating that I am past due on my MORTGAGE AGAIN! 
WHY? Because crooked XXXX XXXX took part of my XXXX ON TIME payment and applied to THEIR MISTAKE from XXXX. When I requested this situation to be escalated, there was no call back, no reply, nothing. NO wonder there is a one star rating and a string of complaints about this company HTYE ARTE HORRIBLE nd I want my isue fixed- they were WRONG for doing that- no I am being harrassed with letters I am late on my mortgage. 

PROBLEM and WRONG DONE? 
I never should have gone into foreclosure. I was lied to and given mis information direct from Ameris employees. I was diligently seeking a job to get caught up on my mortgage while believing I was actually in a forbearance. Once I had the money to pay, and prevent foreclosure, the woman in Loss Mitigation, quickly funneled me to foreclose Attorneys despite just a days wait. I got paid Friday, she handed over my file on Thursday. 

In addition once the actual figures were given from the ATTORNEYS, that should have been it! Attorneys said they had no additional papers saying I owed anything else. This was to cover their tracks.If there was a mistake, XXXX XXXX should have adjusted whatever was needed on their end to fix it and zero it out. I should not now be getting harassing letters about DEBT COLLECTION and being past due while getting LATE FEES because AMERIS decided to take part of my ON TIME XXXX payment, and apply it to their XXXX mistake My loan number is XXXX apparently XXXX is the owner and is operating under the face of AMeris bank.the collections department is separate and can not see the system for the foreclosure who is seprate and can not see the system of the regular customer service who can not see the system and is separate from the collections past due department. this way they can keep you good and mixed up by never being able to talk to one another ort se what the other is doing. Crooked snakes. Each time you call- you have to be transferred 80 times for anyone to get the full gist of WHY yo are even calling.

Company response to consumer: Closed with explanation