Consumer complaint received 2019-03-18
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmerHome Mortgage : This email and its attachments, are representative of evidence charging you and all parties with bank fraud. 

Last XX/XX/XXXX,. You projected my escrow payments based on an inaccurate tax amount for that same year. Your calculation and projections for the next year ( XX/XX/XXXX ) reflected only six months of taxes, ( approximately {$8000.00} ) to arrive at the monthly payment I was invoiced all of XX/XX/XXXX. 

You will also see by reviewing the attached documents from the Township of XXXX Tax Collectors office., that you also decided not to pay my taxes, even though I was paying the demanded escrow each month, amount each month, to the township for approximately six months. I received delinquent notices from XXXX Township or each month you did not pay. As you can also see, I received interest penalties indirectly, due to your fraudulent actions, and you conveniently rolled this charges into this years escrow as opposed to reimbursing me, causing me to pay these amounts twice. You will see the evidence of this on the spread sheet supplied by the township. 

On top of all your fraudulent errors, you then send me a projected escrow and payment amount for XX/XX/XXXX, claiming that I am behind {$5000.00} in escrow payments and you will simply factor this in to increase my payments to nearly $ 4,600.00/month from what was {$3700.00}, claiming that I was short on my escrow payments last year!!!!!!!!! 

The evidence also indicates that your method and strategy for straightening out this mess you created, was to simply make giant payments of {$10000.00} plus to The Township of XXXX at the end of the year XX/XX/XXXX, ( 4th quarter payments ), a month before you did your XX/XX/XXXX projections in an attempt to cover up your XXXX ups in XX/XX/XXXX! 

You will immediately reimburse me for the interest charges that XXXX attached to the tax schedule, you will immediately adjust my monthly invpice to reflect absolutely no escrow increase what so ever, and you will also, IMMEDIATLEY, issue an official apology to myself and the Township of XXXX TAX Office for your delinquent payment and exonerate me from the record. 

I have been dealing with this for nine months now and finally got to the bottom of this with no help from your company. Just last week I received a notice ( copy attached ) that my mortgage payment was not made in full! THAT WAS BECAUSE YOU WERE BILLING ME AT FRAUDULENT AMOUNT!!!! I spoke with many of your incompetent customer service employees, the most recent being at XXXX XXXX and she claimed her name was XXXX. I told her I was not paying anymore then my old payment and that was sent in early XX/XX/XXXX. Supposedly she spoke with her supervisor about accepting the payment, then asked for the routing number and account number so she could make an automatic withdrawal for the funds that had been appropriated and sent two weeks earlier! 

That was just another lie because the funds are still sitting in the checking account not having been withdrawn. 

I am also putting you on notice that not as single dollar will be paid toward this mortgage until the matter is resolved to my satisfaction. You will not charge me late fees or interest until this is resolved. You will also continue to pay the township for taxes that are owed on a monthly basis until the matter is resolved. 

This afternoon I have also submitted a compliant to the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX If this is not resolved in my favor by Thursday, end of business day, I will take this to the next level of the law. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation