Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

I have four conventional loans, on four different properties, serviced by Aimloan ( XXXX ). 

Issue 1 In late XXXX, I sent an email to Aimloan inquiring about forbearance beginning as of XXXX, on the four loans. I did not receive an email response. However, I saw that my loan payments in XXXX were automatically withdrawn from my bank account as they normally are. As I did not receive any confirmation and funding was pulled from my bank account after the XXXX date, my understanding was that I was not in forbearance. 
Further, Aimloan mailed me docs for all 4 loans instructing me to fill out and sign related to the forbearance request. As I did not want to be in forbearance, I did not fill out or return the docs. Aimloan called me a few times to discuss issues with being in forbearance. Each time, I told the Aimloan representative that I was not in forbearance, was not requesting to be in forbearance, and I wanted my payments to continue to be automatically withdrawn from my bank account. On XX/XX/24 I received an email from Aimloan titled " Understanding Forbearance ''. I responded to this email stating : Hi XXXX, I'm not sure what this is all about. I have 4 loans with Aimloan. They are all on auto pay, and my expectation is they are all current. Your email implies I am not current. Can you please dig in and confirm? To reiterate, as of now, it is not my intent or belief that I am in forbearance and it is my intent and belief that Aimloans is automatically withdrawing amounts due on each loan each month, as per usual. 

Summary of issue 1 : Despite a mountain of communication from me to Aimloan that I did not want to be in forbearance, no docs signed by me related to forbearance, and me continuing to make my mortgage payments monthly, Aimloan put me into a forbearance program. I did not discover this until it was brought to my attention by a lender refusing to lend on the purchase of a primary residence due to claims by Aimloan that I was in forbearance. 

Issue 2 Aimloan mailed me 4 letters dated XX/XX/XXXX ( one for each loan ), claiming that I was no longer in forbearance. The letter went on to state that if I wanted to resume Automatic payments, I needed to take certain actions. I did not take those actions to resume autopayments, as I was in contract to sell XXXX of the properties in early XXXX. I made payments on all 4 loans on XX/XX/XXXX. Aimloan then withdrew payments on all 4 loans as if I was enrolled in autopayments. Aimloan did not apply the second payment to principal only, but rather to a combination of principal, future assumed interest owed, and escrow.I immediately brought this to Aimloan 's attention, and let them know they had taken money from my bank account, without my authorization. And what is worse, applied those payments to interest I would never owe -- as I sold XXXX of those properties on XX/XX/XXXX. 

Summary of Issue 2 : Despite Aimloan sending me the XX/XX/XXXX letters specifically claiming that funds would not be withdrawn from my bank account via Automatic payment, and despite Aimloan being able to see that I manually paid on XX/XX/XXXX, Aimloan withdrew money from my bank account for all 4 loans. Aimloan applied those payments to interest I will never owe, as I sold 3 of the homes. After numerous emails and calls, there is no indication that Aimloan plans to resolve. That is, the money has not been refunded yet, and Aimloan has made no attempt to communicate their planned resolution.