Consumer complaint received 2021-04-01
Company: AmeriFirst Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Me and my wife closed on our home XX/XX/XXXX with AmeriFirst Financial Corporation XXXX AmeriFirst Home Mortgage " XXXX '' going forward,. In XXXX of XXXX, before I was ever late, I called XXXX letting them know about my current living and financial situation and how it had changed, I asked if there was any way that my loan could be remodified to accommodate my changes. And I was told by the agent over the phone for XXXX that there was nothing they could do until I was months behind. So I called again in XX/XX/XXXX and was again told there was nothing XXXX could do to help me until I was months behind. I then said there is nothing you can do to help me even though I've paid my payment on time and even payed overage to principle. They said no. I then said that I received a letter from Fannie Mae on XX/XX/XXXX stating that XXXX sold the loan to them on XX/XX/XXXX. Then I told them that by law I was entitled to all of Fannie Mae assistance programs. Then in my second call for help, XXXX finally agreed that I was entitled by law to all help, assistance, and programs Fannie Mae offers. They agreed to mail the borrower assistance form after that. The letter and borrower assistance form XXXX sent was dated XX/XX/XXXX however, I did not receive it until XX/XX/XXXX. I filled the form out and emailed it to them along with all documents required on XX/XX/XXXX. Yet they requested more info. On XX/XX/XXXX I sent in more info. Yet they requested more info again. On XX/XX/XXXX I sent in more info. Then finally XXXX XXXX at XXXX said she was going to give everything to the analyst to double check they had everything and send me a letter verifying they did. Instead, on XX/XX/XXXX I received a letter from XXXX demanding all late payments in full in order to stop foreclosure. We then emailed XXXX XXXX at XXXX. She replied the application was completed on XX/XX/XXXX and she would mail the letter out that day and said they had XXXX  days to make a decision. After much confusion on XXXX part in XX/XX/XXXX I finally received a flex modification/loan modification offer from XXXX XXXX ; senior Loss Mitigation Analyst at XXXX. The terms for the modification offer stated XXXX XXXX XXXX XXXX trail period payments had to be made before a modification could be given. The payments of {$790.00} had to be paid the XXXX of XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX XXXX XXXX ; Compliance and QC Manager - Originations at XXXX mailed a certified letter to me stating : During the course of origination of my home loan, XXXX errored providing me with incorrect information regarding the agency in South Carolina designated to receive mortgage complaints requirements of SC XXXX. XXXX gave me no address, no phone number, and incorrect email regarding the agency in South Carolina to receive mortgage complaints. On XX/XX/XXXX XXXX XXXX ; Compliance and QC Manager - Originations sent a check in the amount of {$750.00} and a letter stating : XXXX would like to inform me of their error that took place at the origination of the loan application the Attorney/Insurance Preference Form, was never given to me in accordance with South Carolina 's STRICT regulatory requirements of SC XXXX ( a ). On XX/XX/XXXX I wrote XXXX and made them aware of my grievance and complaint and their violations to South Carolina XXXX XXXX - Consumer Protection Code Chapter XXXX, Statute XXXX, and Article XXXX : XXXX and Breach of Contract by XXXX pursuance to the same statues. I requested to XXXX that my only wish NOW THAT the contract is invalid and canceled due to XXXX error ( s ) is to have all leans/leases placed by XXXX ( file a release of mortgage ) taken off of my deed of title and recorded in the same office where deed is recorded in South Carolina, the return of all money received By XXXX from or on my behalf in connection to the now VOIDED loan returned to me either by money order, personal or casher check made out and sent certified mailed to me for the total SUM of {$19000.00}. Then for XXXX to send me certified copies of doing so. If removing any reports on my credit by XXXX is not possible, change the states to paid in full and on time. Also removing any negative remarks as well. And that if my request wasn't honored by XX/XX/XXXX or no later than XXXX business days from the date they received my letter then I would be requesting the legal amount allotted by South Carolina XXXX XXXX from XXXX for their violations for Status mentioned above. On XX/XX/XXXX I received a letter from XXXX XXXX ; Associate Counsel for XXXX stating : This letter is in response to your recent correspondence disputing the validity of a mortgage. After analysis, we are confident the mortgage is valid. On XX/XX/XXXX I replied to XXXX saying I received a written communication from XXXX XXXX Associate Counsel for AMERIFIRST HOME MORTGAGE to myself dated XX/XX/XXXX wherein XXXX made reference to a loan that is valid and very well maybe so, but loan ( XXXXXXXXXX ) isnt my loan. The loan I actually wrote to you about on XX/XX/XXXX is ( XXXXXXXXXX ) and according to South Carolina laws is invalid due to AMERFIRST HOME MORTGAGE absence of full disclosure at origination of the loan unless given absolute proof of rebuttal is presented. If you have chosen XXXX XXXX as your legal representative, I have NOT given consent to communicate with him/her. And if XXXX has chosen him/her to represent you, please send the correct documents stating so. Also enclosed with the response to the written communication dated XX/XX/XXXX was a RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEPT AND VALIDATION OF DEBT LETTER, TILA REQUEST. THE REPONSE TO THIS RISPA, TILA REQUEST IS TO BE PERFORMED IN THE LEGAL TIME ALLOWED. This is another attempt to settle this matter between us peacefully. On XX/XX/XXXX I received a letter from XXXX XXXX from XXXX stating that in response to your most recent correspondence disputing the validity of a mortgage. we have corrected the loan number, which we mistyped in our first letter to you. Attached for your convenience is a copy of your recorded mortgage. After review of your letter, we remain confident the mortgage is valid. Moreover, pursuant to XXXX XXXX ( f ), we object to the requests in your most recent letter because they are duplicative, irrelevant, overly broad, and overly burdensome. Some of the information you requested is also confidential and proprietary. Now these are the events that happen to cause me to make this complaint. Attached below is all documents related to this complaint. Thanks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation