Consumer complaint received 2021-02-15
Company: AmeriHome Mortgage Company, LLC
State: FL
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:
My name is XXXX XXXX and my wifes name is XXXX XXXX. We currently have a mortgage with AmeriHome Mortgage. In XXXX of XXXX we entered into forbearance under the CARES Act. 

Beginning XX/XX/XXXX we began receiving weekly phone calls from Amerihome. Each call started with a statement that this was a call from a debt collector in an effort to collect a debt. The content of these calls was questions about income, expenses, when can we pay, how much can we pay and constant mention of default, foreclosure, deed in-lieu and short sale. At this same time we started to receive letters in the mail consisting of the same subject matter ... all of which amounted to scare tactics and threatening behavior. 

In XXXX both of our credit scores were impacted due to Ameriprise reporting a balance increase, I assume due to interest. 

In XXXX after making a mortgage payment I attempted to setup a repayment plan, however, the Amerihome representative told me that was not possible. 

XX/XX/XXXX I spoke with a different representative from AmeriHome. During this conversation I was able to setup a repayment plan with AmeriHome. At the time the repayment plan was setup we owed {$5800.00} which represented payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To start the repayment process we had to pay 50 % ( {$2900.00} ) of the outstanding balance, which we paid at that time. The payment of {$2900.00} paid the XX/XX/XXXX payment and half of the XX/XX/XXXX payment. The remaining outstanding balance will be paid over a period of four ( 4 ) months with equal payments included with the monthly mortgage payment. 

Today, my wife and I both received notifications of a significant decrease in our XXXX credit scores. My credit score reduction was 60 points and my wifes credit score reduction was 105 points. This reduction was a result of AmeriHome Mortgage reporting we are in default and 60-89 days past due. 

Not only is the reported delinquency timing incorrect, it is also in violation of the CARES Act. 

This item could be removed from our credit reports tomorrow but it will take years to gain back the points that were reduced, incorrectly, as the credit scoring system is flawed, as well know.

Our family is looking at a potential relocation due to career movement and we likely will be unable to purchase a new home in our new location or, if so, will be at significantly higher interest rate. We will be penalized and punished for this erroneous reporting and will have no recourse.

As a side note, no one asked for this pandemic nor its devastating results. If AmeriHome Mortgage is doing this to my family and me, I can only imagine how many others they are treating with scare tactics, threats of losing their homes and devastatingly erroneous credit reporting. 

Thank you for your assistance ... I look forward to hearing from you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation