Consumer complaint received 2024-09-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AmeriHome Mortgage Company, LLC (NV)

I prevouisly filed a complaint back on XX/XX/XXXX, the XXXX XXXX responed on XX/XX/XXXX. ( Case Number XXXX ) I XXXX XXXX didn't respond where as at the time I filed a compliant with HUD and an investgation was done with a confernce call on XX/XX/XXXX. In the call with HUD, myself and other parties from XXXX aka XXXX an agreement was reached where as my loan was taken back as close as possible to my orginal term agreement of the loan modification that XXXX kicked me out of, where as the forecloser would be moved off of my name immeditantly and paperwork would be sent out to me as piritory. The paperwork took over a week to get to me, when I did recieve paperwork, I sent it back pritoty mail the same day. The foreclose was never removed off of my name. As to date my credit has been hit with a foreclosere. HUD was also supposed to stay on top of XXXX to make sure all things were done and done right, never happened. I was also told that when I asked that the unpaid balance on my home was XXXX. I eneded up paying XXXX on the home due to the fact that they system was never updated as promised. 

I was told after calling that XXXX everyday that they did recieve my paperwork and thier system would be updated in XXXX hours, that too wasn't done. I grew extememly ill and had to sell my home to move in with my parents. I also have a witness to concersations with XXXX, due to the fact that my mental and physical health took a hit. Again, I have spoke to many rep 's during the time period when all of this was going on at the statrt of XX/XX/XXXX, where it was stated that I failed to repsond or fail to turn in required documents are false. I have a full papertrail of phone calls, dates, emails, and certifited letters that I have sent personally to XXXX. I also did my own reach search and spoke to the head chief of the XXXX  XXXX program where, XXXX  XXXX offered assistance to XXXX to clear up my loan way back when and AmeriHome deined the assistance. All of this information was provided to HUD as well during the investigation. 

To touch base of the company 's last response, I spoke to XXXX many times on this matter for XXXX years. Every rep that I spoke with told me something different and couldn't explain to me why I had been kicked out of the loan modification program. XXXX kept giving me the run around for XXXX years to granting me a loan modication. I have every date and name of the reps that I spoke to within this entire process. Anything that XXXX asked me for which included my daughter 's birth cert and a divorce decree. It took me XXXX months for them to understand and stop asking me for a divorce decree since I've never been married. I also have sent them certifited letters too many times to count to address the matter at hand. The orginal agreement that was given to me and that I signed for didn't state anything about a contrubution payment, {$60000.00} dollars or anything about MD XXXX. I had the entire document reviewed by a lawyer who also stated that those terms weren't listed. All lawyers that I have reached out to for help as been with legalshield- law firm XXXX XXXX XXXX XXXX 

I can go on and on, however the biggest issue at this timenand the facts remain the same that I was told by XXXX in the confernce call that the unpaid balance owed on the home was {$140000.00}. In the sell of my home XXXX recieved {$210000.00} due to them not updating records and removing foreclosure as told per XX/XX/XXXX conference call. I'm requesting that the differerence in payment be granted to me. At this point it has been over XXXX. Another certified letter was sent to XXXX through a lawyer that I went to for advice and XXXX never ressponed. I'm asking that this matter be looked into as well as a full investagation be done against XXXX. To date I still haven't recieved a full accounting of my loan which I requested many times, I at one point was told bythe XXXX exculations dept rep that I couldn't get this information without going to court and subpoena my own records. 

Too much time has past, this is been an exhusting anf drawn out issue with XXXX, for my property to have been my first home owned, XXXX made the experience horrific for myself. All I want is for XXXX to honor the agreement yet again and give me the difference back that I overpaid on my property and for the forecloser to be removed. This is what what agreed upon on XX/XX/XXXX and I signed documents to reflect such.