Consumer complaint received 2022-11-16
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
issue with mortgager ( AmeriHome ) XXXX  XXXX XXXX, XXXX my mother XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX  got a VA loan modification. I made the house payments to XXXX XXXX till XXXX XXXX when I was told that I am not responsible to paying for the mortgage. I applied for a forbearance which I was approved for and it was extended to XX/XX/XXXX. During that time, I handle my mothers estate as her personal rep. and was able to get the property changed over to me and my sisters name and we ended up getting approved for a XXXX modification in XXXX XXXX because this is a VA loan . We completed the new loan modification and it was approved and notarized XXXX XXXX, XXXX and filed with SC Court in me and my sisters name on XX/XX/XXXX. 
The end of the forbearance was XX/XX/XXXX. This is when my first payment of {$1200.00} started. At the end of XX/XX/XXXX, I received a letter from XXXX XXXX and Amerihome letting me know that the mortgage was sold to Amerihome and that I should start making my new mortgage payments of {$1200.00} starting in XXXX to Amerihome. 
From XXXX to XX/XX/XXXX, I made those payments each month by phone. Each time I called in by phone ( recorded ), I would ask why the modification was not updated in the system through their website so that I can start making payments online under my account. I was continually told that it takes a while to update the system. I noticed that in XXXX when I called in to make my payment that they did not know how to take my payment but was told that they did see the modified payment but due to the system not reflecting the modification, they had to check and see how to apply my payment. 
They took my payment and then I received a letter in the mail in XXXX saying that I owe {$22000.00} by the next due date due to the loan being in default since XXXX. 
I called to inquire why and was told that they was sending my payments back and that was all that I was told. I still made my payment in XXXX and XXXX. In XX/XX/XXXX I called in to make my payment and was told that they will not accept a payment from me and that I should reach out to their lawyer to reinstate my mortgage and I should be in contact with him from here on out because they are initiating foreclosure. Two weeks later I was served paperwork from the law office. I also received two checks from Amerihome for escrow reimbursement from my account. I paid the taxes this past year in the result of {$3700.00} and I paid the insurance on the property so I was under the impression that they was reimbursing me for that b/c I thought that the mortgage company was suppose to pay the taxes and insurance from the escrow account. I cashed those checks. Then I later checked all the statements that was sent and they applied my payments to my escrow account instead of to my principal and interest. On XX/XX/XXXX, Amerihome sent another check in the amount of {$1200.00} for misapplication reversal and a letter saying that the check is for a previous payment that was insufficient to bring my loan current. 
I have been in touch with their lawyer consistently and was told that the foreclosure process has been paused because Amerihome can not establish the reason why they decided to accept the mortgage loan in the first place if they was going to not accept the loan modification from the previous mortgager. 
On XXXX XXXX I called to check with lawyer if they have heard anything from their client AmeriHome and was told that they sent a letter to me that I never received says that the reason behind the foreclosure is because the VA has denied the modification. Then the following week I received a letter saying that my foreclosure hearing is XXXX, XXXX. 

This is Dual Tracking, embarrassing, stressful and painful because I have fought hard to keep my family home. I paid so much out of my pocket to keep the house up and even had the roof replaced this past year. I have not been able to grieve XXXX XXXX XXXX  due to me doing what I am supposed to be doing then to find out that someone did not do their job right and now I have to be humiliated for something that I do not deserve. I would like you all to look into everything because I have everything that was ever sent to me. I keep my paper trail. Please pull the recordings. I deserve to be compensated for this. This is sad. Im even in counseling trying to figure out how to deal with this stress and I can provide records of it. 
This is dual tracking and I want to be compensated, I wiped out all of my savings trying to keep this house and have to file bankruptcy now. I made my payments as I was supposed too till they stopped taking my payments in XX/XX/XXXX.

Company response to consumer: Closed with explanation