Consumer complaint received 2019-03-15
Company: AmeriHome Mortgage Company, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fell behind in our mortgage XX/XX/XXXX due to job loss. Started up new company same month as no employment opportunities in area. Received loan modification paper work. Completed & mail in required information. XX/XX/XXXX received letter stating loan mod request received & being reviewed. XX/XX/XXXX letter received requesting more information by XX/XX/XXXX. Fax required docs XX/XX/XXXX & upon calling AmeriHome was told was not received. Re-Faxed XX/XX/XXXX. XX/XX/XXXX received letter stating because they hadn't heard from us, being referred to Foreclosure Review Committee. Re-faxed again XX/XX/XXXX. Received letter XX/XX/XXXX stating still not received need by XX/XX/XXXX. Refaxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, each time told was not received. XX/XX/XXXX Loss Mit rep gave me e-mail address to send to instead, so resend in e-mail. XX/XX/XXXX received email that docs can not be accepted through the email and to fax to loss mit. Responded to email XX/XX/XXXX was doing as loss mit rep requested. XX/XX/XXXX received email stating there is no record of documentation granting me access to account information. XX/XX/XXXX responded to email that I am not trying to access any information, only sending in documents per loss mit to email as faxes not received. XX/XX/XXXX received letter stating still haven't received documents, discontinued processing app. XX/XX/XXXX refaxed docs again. XX/XX/XXXX received letter stating loan modification request was received.XX/XX/XXXX received letter stating all documents except 2 must be redone as out of date. XX/XX/XXXX received letter loss mit app appears complete no further docs needed, will be reviewed within 30 days of XX/XX/XXXX, will contact with decision. XX/XX/XXXX received letter app reviewed additional info needed. XX/XX/XXXX sent docs overnight mail. XX/XX/XXXX received letter stating docs being reviewed and 2nd letter stating deadline had passed app no longer being processed. XX/XX/XXXX received letter loan mod request will be reviewed. XX/XX/XXXX received letter docs are outdated & need to all be redone again except a couple. XX/XX/XXXX received letter app appears complete no further info needed will review within 30 days of XX/XX/XXXX & contact with decision. XX/XX/XXXX received letter stating additional information need. Information requested included court order showing child support monthly amount, plus bank docs were again outdated. Called XX/XX/XXXX, rep stated could not find divorce degree stating amount sent in previous year & would matter anyways because they were surely outdated. Took over 30 minutes of arguing & even her reading the letter back to me that stated my divorce decree had been received, but she stated had to be expired because there was no expiration date beside it. Finally after asking 3 times for her manager, he talks things through with me & says I'm correct because court docs don't expire, his rep must have just been confused. Through all this we still do not have a loan modification. It will be 1 year of trying in XXXX. I seem to be getting the run around to see how long I can keep this up. Nothing is done in a timely manner as I'm told. The only way I even find things out is to go online to my docs. Still not receiving anything in the mail, even after repeatedly contacting company, except 1 recent letter that was sent via XXXX. We are now currently looking at our 2nd foreclosure sale date with no end in sight. We've even consulted with a Bankruptcy lawyer about ChXXXX. but because the modification still isn't done, it won't help anything but to stay the foreclosure, which will only help until we are, once again in the same situation due to the payments being more than our current income can support!

Company response to consumer: Closed with explanation