Consumer complaint received 2020-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NV)

During XX/XX/2020, I refinanced my VA home loan with XXXX XXXX ( not the problem ). 

My previously refied loan was with Amerihome Mortgage for about 2 tears. I had numerous problems with the escrow account and the home owners insurance they claimed I didn't have at least 3-4 times ( I had continueing home owners insurance with the same company for over 10 years with the same insurance company ). They may have charged me for their insurance and that issue with them has never been resolved. They actually paid for the insurance I kept telling them I did have, yet they kept sending me threatening letters that I would have to pay for their insurance product. 

THE ISSUE NOW : XXXX XXXX XXXX did the closing for XXXX XXXX XXXX with a settlement date of XX/XX/2020. They paid Amerihome Mortage {$250.00}, XXXX for the pay off of the mortgage loan balance. The last statement from Amerihome Mortgage for XX/XX/2020 showed a balance of {$250000.00}. This is an overpayment to Amerihome Mortgage of {$2300.00}. The overpayment would actually have been slightly more than this amount. 

I waited for the refund from Amerihome Mortgage for about 2 months and called then sent a letter to them asking for the refund of the overpayment of the payoff amount. 

On XX/XX/2020, I received a letter from Amerihome Mortgage saying they would have a response to my letter from earlier that month within 30 days. Didn't happen. 

OnXX/XX/XXXX, I received a 2nd letter from Amerihome Mortgage saying they would have a response to my overpayment refund request in an additional 15 business days. 
Didn't happen! 

It is now XX/XX/2020 and I still have no response or refund of the overpayment of the mortgage, plus interest. The interest on the overpayment I asked for in my initial letter to them. I expect at least 4.75 % interest, or more, since this is what I was paying them for my loan from them. I called the phone number on the XX/XX/2020 letter from them and the recording I got was they would / could not answer calls, but the leave a message and I would get a call back. I left a very detailed message with loan number and my contact information. DIDN'T GET A PHONE CALL BACK OR ANY REPLY! 

My total experience with Amerihome Mortgage was absolutely miserable, even after talking to supervisors and getting letter stating that issues were resolved. 

On XX/XX/2020, I did receive a check from them for {$180.00} which they claimed was an overpayment on my taxes that was returned to them by XXXX XXXX, NV. 

How can a financial institution in the US be so disorganized that they can't : do simple math ; pay debts only when they are due ; can't read insurance info that is valid and paid for by them when it was due ; or understand that they can't keep private people 's funds that they aren't entitled to keep. 

As a former XXXX XXXX XXXX XXXX  XXXX, all of these characteristics are the obvious MO of fraud. They claim they didn't know they owed clients money by claiming it was a minor fault of understanding. The amounts of money they most likely owe to clients is enormous considering the mortgage market today. Their debts to clients could easily run into the millions of dollars over overcharges and non payment of debts, like mine of over {$2000.00}, which they refuse to refund to me. 

There are other significant issues concerning Amerihime Mortgage which would require a full audit of their mortgage holdings to asses. 

I will provide documents to Amerihome mortgage or the CFPB by fax or mail as required or requested.