Consumer complaint received 2022-06-06
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am writing to you because I am currently dealing with dual tracking by AmeriHome Mortgage Company XXXX XXXX XXXX XXXX, NJ XXXX. Based on the advise from legal counsel for the Connecticut XXXX XXXX I was advised to file this complaint for dual tracking. I have been working with AmeriHome mortgage Company for several months with ongoing communication regarding the property which my family and I reside in at XXXX XXXX XXXX XXXX in XXXX CT. XXXX. I have communicated with AmeriHome Mortgage company via email, fax and phone calls in my attempts to get the mortgage issue resolved. My fiance passed away in XXXX of XXXX, he was the only one listed on the mortgage and house deed. The house was in forbearance for some time after his death due to an arrangement between him and AmeriHome Mortgage Company. I contacted AmeriHome Mortgage Company and explained the situation regarding my fiance 's passing and expressed my interest in remaining in the home with our children because I did not want to become XXXX  with our twin boys who are developmentally challenged .I expressed to the AmeriHome mortgage company that I would like to assume the loan and have the property transferred to me. AmeriHome mortgage company agreed and advised me to fill out the loss mitigation paperwork that would be mailed to me once I provided my fiance 's death certificate and my identification. I complied and received loss mitigation paperwork which I filled out and included all documents requested. Since then, I have been in constant communication with the mortgage company and compliant whether it was AmeriHome Mortgage company requesting more documentation or a determination that my application was incomplete. I always followed through each time my application was deemed incomplete due to additional paperwork needed, I would provide the paperwork or documentation needed to continue to work on a resolution. 
In XXXX of XXXX I was told that I will need to work with the successor of interest department inorder to continue to move forward with the AmeriHome loss mitigation department. I contacted the AmeriHome mortgage company successor of interest department and was instructed to send my identification since they already had my fiance 's death certificate. I complied with the request and was sent a letter regarding the next steps in the successor of interest process. Around XX/XX/XXXX I received a letter dated XX/XX/XXXX from AmeriHome mortgage company successor of interest department requesting additional paperwork, which I intended to comply with. However, on XX/XX/XXXX at a side door of our home, I discovered a foreclosure summons from AmeriHome mortgage company. On the summons, my deceased fiances XXXX XXXX  children are named as the plaintiffs. I was really shocked and disappointed that the Amerihome Mortgage Company was still in the process of working with me to resolve this situation to keep a roof over my family 's head but decided to foreclose while working with me. I was never informed by the mortgage company of their intent to foreclose while still working with me. 

I have enclosed correspondence between Mortgage company and myself dating back to XXXX when I first connected them. I have enclosed loss mitigation paperwork showing my compliance, including completed unified borrowers assistance forms, paystubs, hardship letter, and correspondence by XXXX XXXX XXXX department. I have also enclosed a copy of the foreclosure summons.

Company response to consumer: Closed with explanation