Consumer complaint received 2016-09-17
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX XXXX XXXX homeowner whose loan was sold to Amerinational Community Services sometime during the XXXX. At the time the loan was sold, my balance was behind. I had asked XXXX to move that balance to the end of my loan. They neither responded or acted on this request. In XXXX XXXX, I wrote to Amerinational asking how they 'd calculated my balance. I also asked for a copy of the transfer info. I never received it. A few months ago, Amerinational sent me a letter asking me to pay them $ XXXX for XXXX to XXXX XXXX. My mortgage payment is {$920.00} per month. I responded by sending in my payment receipts for those months and noting the error. From there, I was deluged with random letters that expressed no purpose. At one point, I spoke to a rep who neither acknowledged or offered to straighten out this mess. He was concerned with confirming my cell number. I sent back an account of this in writing. He offered to send me a loan modification app and said it was their goal to help me keep my home. I completed it and sent it back. For close to a month, I went back and forth with a woman who kept asking for tax returns after I informed her that I did not file XXXX taxes. To offset this, I sent all salary and wage information as a required attachment to the application but she could not understand this. I received four letters in 10 business days. Not one letter had a real purpose. They did nothing about the loan modification they promised to help me obtain. It never evolved into anything .... Last week, after a month of quiet, I received a voice msg on my cell from a woman telling me they 're attempting to collect a debt. To date, all monthly mortgage payments have been applied as appropriate but it has been several months since I began asking them ( via letter ) to move any unpaid balance to the end of my loan. They 've consistently ignored this request. Back in XXXX, I informed Habitat via email that I 'd made this request. They thanked me for the info but offered no assistance in making it happen. At this point, I need to speak to what is happening to me. I am being bullied and harassed by Americnational. From their activities, it is apparant that they have the opinion that I am a " cash cow '' and by submitting threats, I will somehow respond with a sum of money. I want them to stop harassing me. This company is trying to scam me trough scare tactics when the resolve has been put before them on multiple occasions. I believe can be described as illegal. It is not unusual for a lienholder to move back payments to the end of a mortgage loan. Since they did not honor their word to provide modification they should move the payments. I pay them each month. I have no reason to believe that I am going into foreclosure unless they push me into it and then I question the legality of that. I just want to pay my mortgage to an upstanding company and live in peace.

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