Consumer complaint received 2023-02-16
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
REF : Loan # XXXX, Property XXXX XXXX XXXX, XXXX, FL XXXX XXXX : URGENT MATTERS that need to be addressed IMMEDIATELY! 
1 ) MISPLACED PAYMENTS for XX/XX/XXXX, XXXX and XX/XX/XXXX XXXX ) Failure to properly Post, Process & Pay XXXX XXXX Tax Bill 3 ) Mis-applying overage-payments to XXXX & XXXX to apply to Escrow 4 ) Excessive delays of almost 30 days to post payments made to my account This is to document severe concerns regarding the loan your company is supposed to be servicing for the above-mentioned property of XXXX XXXX. I am the volunteer caregiver for the XXXX XXXX with a power of Attorney on XXXX with your company. 
On XX/XX/XXXX, XXXX XXXX was approved by FL XXXX XXXX XXXX XXXX Assistance Fund ( FDEO-HAF ) ( See attached document ) but numerous problems have occurred that must to be corrected IMMEDIATELY! Every time I have called XXXX I have not been able to talk with anyone who can resolve any of these listed concerns as they respond with Canned responses that have nothing to do with the problems I mention, which does not produces any resolution and has prompted me to write this letter and file complaints for XXXX XXXX regarding this mortgage. 
Regarding payments, your company receives a master monthly payment list from Florida XXXX on behalf of thousands of people ( including XXXX XXXX ) XXXX are listed on the manifests. Florida XXXX has XXXX us that XXXX XXXX monthly XXXX of {$1500.00} are confirmed to be on the manifests and will continue for the next 18 months. However, XXXX XXXX monthly payments of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were received by your company and apparently mis-posted on the wrong accounts in error. 
Florida XXXX cant give us copies of checks or manifests as they contain thousands of names and personal information. Therefore, they suggest we demand your company to immediately order to pull the applicable monthly manifests you received from Florida DEO-HAF for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and conduct a complete audit to find XXXX XXXX XXXX XXXX {$1500.00} and properly post to the account with the proper dates and adjust XXXX XXXX account XXXX. If you need more information, contact either me or Florida XXXX from the letter dated XX/XX/XXXX, to discuss solutions to resolve these immediately. 
Another very important issue since XX/XX/XXXX, is regarding the XXXX XXXX Florida Tax Bill of {$370.00} due XX/XX/XXXX. XXXX XXXX is tax exempt from all Ad Valorem Taxes but still liable for the Non-Ad Valorem Taxes ( Fire Protection and Solid Waste ) as listed on attached tax bill. 
As your company advised, I have sent you several copies via the Postal Service along with numerous emails, also in your companys website messaging. However, to date nothing has been processed, shown as pending, posted, or paid from the escrow account. This must also be properly paid from the XXXX account immediately, which is now {$390.00}! 
Then, the overage amounts each month were requested to be applied to the escrow account only. Every month the overage has been applied to the principal. Since XX/XX/XXXX, I was told to write and request the overage amount to be applied to the escrow and to date only one time the request was properly done so far. I therefore request the overage to be posted automatically to the escrow. 
Amerihomes failures are causing XXXX XXXX severe and undue stress thus worsening her XXXX. In summary, you are asked to IMMEDIATELY and PROPERLY resolve these matters!

Company response to consumer: Closed with explanation