Consumer complaint received 2016-08-15
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I Have New Information To Add. This is a NEW COMPLAINT. 
I received a response to my complaint from the servicer Amerinational Community Services. In the response Amerinational indicates that they have no problem participating in Keep Your Home California. Amerinational indicates that they inquired with XXXX XXXX XXXX XXXX - XXXX about me applying for Keep Your Home California, and the XXXX XXXX XXXX says that they have no recollection of ever trying to assist me with the program. So I have at least 3 emails that contradict this. The first email is on XX/XX/2015 I initiate the email by giving them the phone number of Keep Your Home California, by my language you can tell that this was a request that I am responding to, and I cc myself and XXXX other people. The second email was the same day XX/XX/2015 about 2 hours later from a XXXX XXXX XXXX representative to the Director and I. In his response he indicates that he has received the email, has begun inquiring about the process, and will follow up. This is the third email from XXXX XXXX XXXX Representative XXXX ; { XXXX XXXX, After many phone calls, conferences and emails I have bad news. While XXXX is ready to develop a relationship with Keep Your Home California, our new payment servicer ( AmeriNational ) is not interested in getting approved to work with KYHC. As it turns out, it is them ( not XXXX ) that has to be on the approved list and we can not force them to get approved. There are other Habitats that work with KYHC but they manage their own payments ( as we used to ) and so have gone through the long approval process. 
What this means, of course, is that XXXX is not going to be able to pay your two months of past due payments. We are truly sorry it did n't work out. 
XXXX } The actual email is attached. So now we are here. I am facing foreclose even though I tried to get help almost a year ago. I was told by my lien holder ( XXXX XXXX XXXX ) that the new servicer ( Amerinational ) was not " interested '' in being part of Keep Your Home California. In addition my lien holder ( XXXX XXXX XXXX ) denies having any knowledge of, or assisting me in any way with applying to Keep Your Home California. I have a servicer ( Amerinational ) who rejects the part they are said to have played in this drama. I have XXXX applications with Keep Your Home California that cant be processed because everyone is passing the blame around. I am a single mother of XXXX, including a mentally ill adult child who needs almost constant supervision. I help to take care of my XXXX mother who has health issues. I am one of many clear pictures of whom these programs were designed to help. I should not be facing foreclosure. I should not have been lied to. I should not have to fight against programs that are supposed to help. I believe that I am a victim of unfair, and unethical practices. I believe that my rights have been violated. I believe that because of being purposefully mislead, that I have been prevented from helping myself. I have been kept from applying to a program that would have helped me almost a year ago. I believe that the organizations, and individuals that give their time and money to these programs, would be very interested in this situation.

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