Consumer complaint received 2024-08-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (OH)

I bought a home through my bank but they immediately sold/factored it to AmeriHome Mortgage Company without my knowledge. I had no problems with them at first and knew nothing about them. My payment was due on the XXXX. I renovated the home XXXX half of XXXX at substantial cost to myself. Eventually I ended up paying my mortgage between the XXXX and XXXX day monthly because of the great cost of renovation but definitely before it would negatively impact my credit. I wanted to continue to be a good customer so I called XXXX in XX/XX/XXXX and asked XXXX question. Could my XXXX payment be deferred to the back on my loan so I can continue to pay at the XXXX of the month. I told them I didn't lose my job, that I could afford the payment, it was just because of the cost of renovations and if not, I would just double my payment in XX/XX/XXXX and get back on track. They told me they would review my file and get back to me. I didn't hear from them so I logged in online and saw that they had already changed my due date from XX/XX/XXXX to XX/XX/XXXX so I called them in XXXX to ask what was going on. They told me they had approved me for a loan modification where my payments would be less for 3 months, there would be a silent XXXX on my mortgage and a lot of other stuff I was appalled by. I told them on no uncertain terms NO, I didn't ask for nor needed that. I asked them to cancel whatever they were thinking because I asked for a DEFERRMENT not a modification. The representative said that they could do the deferment afterall and it would take a few days. I was wary because I was already late for XXXX but she said was unsure if my credit would take a hit but that when the deferment was completed, they would remove any late reporting. I said ok to the deferment only! I waited a couple weeks and heard nothing so I called yet again. They again were talking about a modification. I said NO again and to cancel whatever they were doing and that I would just make my XXXX and XXXX payments and again they said after review I did actually qualify for a DEFERRMENT. I explicitly told them that I thought they were deliberately trying to keep me strung along and behind so I would take the modification or that they were trying to take my house. They assured me that that was not the case. I said okay again and waited. I heard nothing back so I called again in early XXXX. I now had XXXX AND XXXX late payment reporting on my credit report that dropped my score about XXXX points. I was furious! I told them to cancel whatever they were doing. I would just make my XXXX, XXXX and now XXXX payments. All I asked of them was to remove the negative reporting and as much time as they took, give me the same courtesy to get my account current. I demanded a supervisor and I was transferred to their escalation department. The gentleman said he would review my case and get back to me in XXXX to 7 days. I asked that he review the calls because something unprofessional and shady was going on. I did get a call back and a voice mail was left. I called back and the representative told me the guy I spoke to was unavailable but he left in the notes that XXXX did nothing wrong. Even after this I received a XXXX  package that was shipped on XX/XX/XXXX with the loan modification documents in them asking me to sign and get notarized. I burned the papers up! This is deceptive practices! Since they state they record all phone calls it will be extremely easy to verify what I am attesting to. Just have them release the calls to you. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I spoke with XXXX customer service operator id 's : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX XXXX. My loan number ends in XXXX. If you need them I can provide you with my phone records, my notes, the XXXX  shipping label and a copy of the loan modification docs dated XX/XX/XXXX. I asked XXXX simple question in XXXX and it ballooned into this nightmare!!!