Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

I am the owner of this property which was served foreclosure papers last week. My elderly mother, age XXXX, is the renter at this property and is worried to death she will loose her home. Amerihome mortgage has done everything to NOT accept my payments and purposely refused to mail, email, or call any of my contacts. Instead they insisted that all communications be sent by mail to the property that I do NOT live at and sends it to my XXXX year old mother who cant remember where she puts anything including mail that is not hers. 

This loan originated at XXXX XXXX which I had zero problems communicating or accepting of my payments. Then the loan was sold to Amerihome. I attempted to setup auto payments as I did with the previous mortgage lender. They could not get the payments to pull out of my checking account, instead they pulled from a savings account that I do not use. I received no communications that they were not being received. I noticed that the payments had not been pulled from my account after a couple of months. I called Amerihome, they stated that they sent letters to the property. I stated that I do NOT live there and do NOT get mail there. I live in another state. I asked to have the mail sent to my address since I was the responsible party. I was told that they can only mail communications to the property and they are unable to send it to me also. The next couple months I called in the payments by phone. After long wait times on the phone I was able to get it paid, then only to get charged an additional {$9.00} for the convenience of paying it on the phone. Several times I could not even get through on the phone. The operators would tell me that this is common at times when payments are due. The next couple months I decided to put it on auto payment through my bank, which pulls the funds immediately from my account and then mails a certified bank check to the mailing address. I believe some were received but I was still trying to catch up on the past due amounts. So I started sending half payments every other week. Now I find out these payments werent accepted. I was told by Amerihome we dont accept half payments but none were ever sent back to me as refused, nor was I contacted. I still dont know where those paid checks are now. I went online to make payments and found it is not accessible. So I printed off a mailing payment form to mail in my checks. I wrote one check in XXXX, one in XXXX, and one in XXXX. None of these ever cleared my account. 

So last Friday my sister called me and tells me that mom has papers there from a foreclosure company. So I make a trip to the property to see her and to get the papers. In a box my mom has all these papers she said she wasnt sure what they were and they were not addressed to her so she just boxed them up. 90 % of the papers were JUNK and 3 are from Amerihome. One dated XX/XX/2020 with my XXXX payment check returned. Another one was dated XX/XX/2020 stating that they have not received any past due payments and they have not heard back from me??? I called Amerihome Friday and asked the operator why they havent applied any of my payment attempts. She stated that if it is not the amount owed they will refuse the payment!!! I asked her where are my payments? Some are paid checks that have funds drafted already from my account. She said they would be sent back. I told her I NEVER received any back, nor have I been informed that anything was going on with this loan. She told me they would go back to the address on file and not the return address on the envelope. I only have one that was returned to my moms house and not to me. The operator then said would you like me to add your address to the file so you can get any communications in the future!!!! I was told 3 times before that they could not send it anywhere but the property. Now that they have sent my loan to foreclosure they will add my address to the communications on my loan on my property. This is unacceptable. It has been six months that I have been dealing with this incompetent company. I do not have one email, one letter, or one phone call ever addressed to me at any of my contacts that are on the loan, only to the property that I do not live at. This company is performing a scam to add extra fees for not paying your bills that they refuse to accept and refuse to contact you about the refused payments. 

I have mailed a certified copy of this to Amerihome as they do not even have an email on their website or any of their papers to correspond.