Consumer complaint received 2022-11-16
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ATTN : Loss Mitigation Fax # XXXX XX/XX/XXXX To Whom it may concern All of the alleged back money owed to Amerihome Mortgage, due to them suddenly and without warning cancelled my approved modification XX/XX/XXXX ( see previous complaint ), was paid by the XXXX program on XXXX XXXX. The full balance of what was owed was paid in full and my account is current. 

I was never in a deferment. On my XX/XX/XXXX invoice from Amerihome Mortgage, it shows an additional deferment amount of {$1900.00}. Now in XX/XX/XXXX, I was approved for a modification. The trial payments started in XX/XX/XXXX, but in XXXX of XXXX someone changed the modification to a deferment without my request or permission and it took over XXXX  months to fix. 

On XXXX I faxed you a letter asking you to fix the mistake of stating I had a deferment of {$1900.00}. 
I wrote a qualified Request to Amerihome asking them to remove the deferment, since it was obviously a clerical mistake, held over from last year. 

Imagine my surprise when I looked at my account online in XX/XX/XXXX, and it states that I have XXXX principal balances : XXXX for, surprise, surprise, {$1900.00} and XXXX for {$92000.00} with a new total of {$94000.00}. 

Before I started the modification process, which I thought was designed to help me, I owed {$93000.00}. Someone has once again made a terrible mistake that needs to be corrected. I dont have XXXX balances, I dont owe an additional {$1900.00} and this needs to be fixed ASAP. 

In addition, on XX/XX/XXXX I sent a letter ( almost a full month before my homeowners insurance was due ) requesting that it be removed from escrow so that my mortgage payments could stay low. I had already started payments with a payment of {$250.00}. They never responded to my request, but instead instantly paid my insurance for the year. I escalated the request verbally in XXXX and again in XXXX. 
About XXXX weeks ago I called, and faxed and asked that this request would be escalated, and I still have had no response. I called again on XXXX and they said maybe I would get an answer by XX/XX/XXXX. 

I have been more than patient with Amerihomes constant errors over the past 3 years. I will be contacting The MA Governors Office for XXXX XXXX and I will be looking for legal representation. Amerihome has consistently screwed up, been unapproachable and made mistake after mistake with my mortgage. The stress level has literally raised my XXXX XXXX and affected my health. Just this past Monday, XXXX XXXX, XXXX I was on the phone, mostly on hold fpr XXXX hours, passed to XXXX people and had to call back 3 times. Today, XXXX XXXX, I was on hold, cut off and again passed to XXXX people for over XXXX hours, with no resolution. 

To reiterate, When I applied for a modification, I owed {$9300.00}. I dont owe an additional {$1900.00}, and XXXX has refused to remove the deferment, even though it is a clerical error, which Amerihome has admitted, and I NEVER requested a deferment. Also, I would like the to pay my homeowners insurance outside of escrow to lower my monthly payments.

Company response to consumer: Closed with explanation