Consumer complaint received 2018-02-06
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I requested for a loan modification due to my income changing and being a single parent going through a financial hardship, at that point but I am out of hardship now and declined that loan modification because it was not a good program that the bank was running. One department doesnt talk to the other department they are unorganized and have lied to the credit bureaus. Note that I was current and paid up to date before I entered into the modification when I applied, I did not apply because my house was foreclosing or because I was behind. I applied to get a head start and try and get my payment down to an comfortable payment. I had a lot medical bills in XX/XX/XXXX and a negative situation happened to my sons dad and he no longer could pay his child support. I am a single mother and was trying to see if I could make my bills a little manageable I was never on default of my loan. 

My account has been in good standing and I have never been 30 Days late in the history of my loan. When my modification started I was current and I have paid the loan modification payments as agreed and scheduled. I started getting letters in the mail in XX/XX/XXXX about my loan being past 30 Days late and going in to default. Every time I called in and asked what was going on and why I received these letters they said every thing was fine and to ignore the letters, that they generate automatically. I continued to pay the modification payments as agreed I paid XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as agreed. Then I had got a notice from my credit monitoring company XX/XX/XXXX saying that my score went down and when I looked to see why it said that Amerihome ding my credit negatively saying more then 30 Days late. This has dropped my credit down and my good payment history down 100 points!! I called right away to corporate office to see why that happened and the agent XXXX the first person I spoke with kept trying to tell me that I was late when I got the modification and that is incorrect. I think this company assumes that every one is late and in default when they look into modifying it but that is not the case for me.I tried to explain to her what was happening and asking why would Amerihome report to the credit bureaus I was over 30 Days late when I was doing everything I was supposed and making the modifiction payments paying as I was supposed to. 

This program is supposed to try and help some XXXX not destroy Their life and their credit and I am very dissapointed about this. I work really hard at keeping my credit in good standing and trying to be proactive with my mortgage and the agents do not care and they do not know what they are talking about. The second person that I talked to twice after going back and forth with XXXX which her name is XXXX I got a little further with and she was a little more polite. 

This needs to fixed because it is not fair to punish me for doing what I was supposed to do. Ive seen people leaving reviews and complaining about how the loan modifications only XXXX them over in the end and I will fight this all the way. Credit is life and its all I have at this point and it has been ruined. The late fee needs to be taken off because I was never 30 days past due.Every time I made a payment they didn't apply the payment at all and it showed on the statements that it was a partial payment unapplied instead of a loan modification trial payment. 

At this point I am no longer in the loan modification trial period and I have declined the modification an have paid the difference to make my loan back current and back to its regular schedule. 

I disputed this with all three credit bureaus Here is my proof and break down of XXXX and XXXX payments not being late and my credit report does not show XXXX being late it shows XXXX, which is still incorrect. Every time I needed to make a payment I had to call in because there system was not equipped with the technology to take modification payments online. The terms of the loan modification were from XX/XX/XXXX to XX/XX/XXXX. 

XXXX agreed payment for trial period 4 months at any time during the trial period I can decline that modification agreement and everything would go back to regular payment. 

Paid XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX ( sat on hold and had to wait for a call back XXXX days later ) Paid XXXX XX/XX/XXXX ( bad credit mark put on due to errors on there part taking my payment but unapplying it says it on the statements ) Declined loan modification XX/XX/XXXX due to there error and neglect of applying the payments incorrectly and bad customer service Paid the difference of {$240.00} to catch my payments back up and get rid of the loan modification My balance statement had an incorrect balance that needed to be corrected new statement was sent out XX/XX/XXXX with current correct balance due for XXXX {$1000.00} ( unknown {$120.00} fee applied to to this balance. It should be {$960.00} XXXX for XXXX is {$1000.00} so how did I not pay XXXX on time or not pay it all when all these statements show that I did? 

I am not currently in a loan modification because Amerihome doesnt know how to run it correctly and their customer service is not properly trained to apply payments correctly for modifications. 

My loan should have never had a XXXX late payment applied to it and this needs to be correctly immediately or I will take further action against XXXX. Correct your invoices and information in the system before you start going and reporting bad marks on peoples credit. 

I disputed with all three credit bureaus and XXXX responsed back saying I was in a payment arrangement and my XXXX payment was late when clearly the statements and letters show it was not late. 30 Days late for XXXX would XXXX XXXX XXXX and I paid it XX/XX/XXXX. Take off the {$120.00} unknown fee and the past 30 days past due off my credit report. I am not in a loan modification.

Company response to consumer: Closed with explanation