Consumer complaint received 2021-03-17
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When Amerihome purchased my loan in XXXX, my monthly payments, including escrow, were just over {$1500.00}. 

Beginning XX/XX/XXXX, I informed Amerihome Mortgage XXXX " Amerihome '' ) that my local tax department in XXXX XXXX, Michigan had not applied a principal residence exemption and my tax bill was about {$2000.00} too high. Amerihome paid the taxes anyway, and shortly after I received a {$2000.00} check ( approx. ) from XXXX XXXX for the overage. 

Meanwhile, Amerihome began to recalculate my monthly payments based on a perceived shortfall in my escrow account -- a shortfall created by their overpayment. 

After several calls to Amerihome, I returned the {$2000.00} overage, which Amerihome should have applied to my escrow account. Instead, Amerihome informed me that my monthly payments would rise to just over {$2000.00}. I called again to sort out the problem, and Amerihome did another escrow evaluation. By the time that was complete, I had paid the {$2000.00} a month XXXX approx. ) for XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, my monthly payments were adjusted to {$1700.00} XXXX approx. ), but that is still too much. Since then, I've contacted Amerihome several times and have not received any substantive response. Instead, I hear repeatedly that " a task has been created '' and " this matter is escalated in our system, '' but there is never any meaningful response. 

Here is the message I sent to Amerihome on XX/XX/XXXX : - '' I've been working to resolve your escrow withholding for months and months now. I'd -like to begin documenting this effort with email because multiple phone calls have not -achieved any results. 
- -You are currently withholding {$610.00} per month for taxes and insurance, including PMI. 
- -That totals {$7300.00} annually. 
- -My annual taxes were {$3800.00} -My monthly PMI is {$98.00}, or {$1100.00} -My insurance is {$830.00} annually -That totals {$5800.00} annually - -By my calculations ( {$7300.00} - {$5800.00} XXXX you are collecting {$1400.00}, or {$120.00} too -much. On top of that, I paid {$2000.00} in XXXX and XX/XX/XXXX, putting an -additional {$460.00} into escrow that was also an overage. 
- -I would think that you are obligated to refund the {$460.00} for the high payments in XXXX and XX/XX/XXXX, reduce my monthly by {$120.00} to {$1600.00}, and -refund the excess {$120.00} paid in XXXX and XX/XX/XXXX. 
- -That totals a refund to me of ( XXXX + XXXX ) {$700.00} and future monthly payments -of {$1600.00}. 
- -If this is incorrect, please provide the correct calculations to me in writing within XXXX -days of this message. '' ( I offset the quoted message with " - " hash marks. ) I expect a refund of the overages paid for XXXX and XX/XX/XXXX, an adjustment of my monthly payments downward by {$120.00}, and a refund of the overpayments for XXXX up and until the monthly payments are corrected. 

I am only complaining here because several months of efforts to resolve this with Amerihome have failed.

Company response to consumer: Closed with explanation