Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I reached out to XXXX XXXX on XX/XX/2021 pertaining to refinancing my residential property. That morning I answered a phone call from a Loan Originator named XXXX XXXX. XXXX ( XXXX ID # XXXX ) seemed rather pleasant as he was asking for some background information on myself and the property. Within one of his questions he had inquired if I was married, single, divorced or separated. I informed him that I was separated but was legally still married. I also let him know that the property that I was refinancing was inherited. I asked him if there was going to be a problem with that and he stated that there would not be. The phone call had to be cut short as I was at work, but would be available around XXXX. 

XXXX called me back later on that evening. We went through some more questions, but he had the application paperwork all filled out - that which he walked me through. He explained that there was a {$500.00} application fee, but stated that it would be refunded during the closing process. He also explained that there was going to be some information that was going to be requested of me and that I would need to upload it unto the AmeriSave portal under my own account. I paid for the application fee on my credit card and went to work on the requests. 

Over the next several days I had attempted to get the information that AmeriSave had requested when I received an email from a Curative Specialist, XXXX XXXX who was in another location within the company on XX/XX/2021. XXXX recognized that I was separated and requested documentation regarding the separation and property settlement. I sent her the order from the local county judge which was a certificate of termination regarding the estate ( conclusive that the will was fulfilled ). Her next reply was that AmeriSave would require my soon-to-be-ex-wife to sign off on the loan. I explained that would not happen and I wished this was disclosed to me before I had gotten this far. 

I requested to XXXX to be refunded the {$500.00} on XX/XX/2021 at XXXX I requested to XXXX to be refunded the {$500.00} on XX/XX/2021 at XXXX I received a text message from XXXX on XX/XX/2021 at XXXX which was to essentially repeat the ex-wife would need to be notified. I also stated again that I had disclosed this information at the beginning and it would have been better to know this ahead of time from him instead of allowing this to continue. 

XXXX replied to that text and said, This is true. admitting he was not forthcoming in the discussions over the phone. See attached text screenshot. 

I requested to XXXX to be refunded the {$500.00} on XX/XX/2021 at XXXX. 

XXXX emailed me shortly after. All of a sudden he had Ohio Law Statutes to attach, regarding dowel rights in the state of Ohio ; working with XXXX XXXX regulations and in accordance with Ohio XXXX. XXXX further stated that the application fee is non-refundable. 

Being that the information was not disclosed to me ( working in accordance with Ohio Law ) at the beginning of the process before I submitted the {$500.00} for the application, I request that my money is to be refunded to me. I found that AmeriSave was very evasive and did not properly represent the best interest of the client ( me ) before taking my money. It is my belief that AmeriSave lures unsuspecting clients in, fills out applications and takes their money for the purpose of just theft! Please help me retrieve my money back from this unethical organization. 

Thank you for your time