Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST HOME MORTGAGE CORPORATION (MD)

This is the request I made to XXXX XXXX XXXX XXXX XXXX XXXX for First Home Mortgage Corporation because IRS stated they found a problem with my Form XXXX. Once I researched the issue I surmised the problem was with one missing payment. See my note below : Hello, My name is XXXX XXXX XXXX The last four numbers of my social security number are XXXX. I hold only one mortgage at your company for property address XXXX XXXX XXXX, XXXX, MD XXXX. 

Unfortunately, I am being audited by IRS regarding my Form XXXX for 2022. IRS is requesting that I submit a corrected annual mortgage interest statement for each loan I have for the property address stated above that includes the beginning and ending principal balance and the loan 's interest rate. I only have XXXX loan on this property, and it is with your corporation. I submitted to IRS the Mortgage Interest Statement that your company sent to me in 2022. However, I think the first payment that I submitted to your company for this loan may be missing from this statement. I closed on my loan on approximately XX/XX/2022. My first payment was due on XX/XX/2022. At closing I was informed that I may not receive my payment coupon book in time to make the first payment so they provided a few payment coupons at closing. I used one of these coupons to make my first payment on this loan. The coupons provided to me stated that the payment be sent to First Home Mortgage Corporation, Dept. XXXX, XXXX XXXX. XXXX XXXX, XXXX, NY XXXX. The mortgage loan account # on these coupons was XXXX. When I received my actual payment coupon book, it showed a different mortgage loan account #, XXXX. The mailing address to send the payment was also different on the actual payment coupon booklet. At any rate, your corporation contacted me stating I had not made my first payment. Someone at your company tracked down the missing payment. I think it is possible that this payment made under a different loan number is missing from my 2022 Mortgage Interest Statement. I need the first payment to be reconciled and added to my 2022 Mortgage Interest Statement, and a corrected 2022 Mortgage Interest Statement issued as quickly as possible, or just send me a separate 2022 Mortgage Interest Statement for the one payment made under loan number XXXX. 

If you need to contact me, I can be reached at XXXX. 

Thanks My response from First Home Mortgage Corporation was as displayed below. When I tried to call for a second time I could not talk to XXXX and he is claiming he can not call me even though I provided a working cell number in my request. When talking with the customer service rep, she can only tell me what some person is explaining to her and can not tell me what additional details XXXX needs. 

Dear XXXX XXXX and XXXX XXXX XXXX , We appreciate you reaching out to us about your loan, and we apologize for any inconvenience that may have occurred. I understand that you may have some questions or concerns, and I am here to help you navigate through them. Please note that our Research Department is currently unable to make outbound calls.

We're glad to let you know that we can issue a corrected 2022 Mortgage Interest Statement that will include your first payment, if necessary. In order to do so, we may need some additional details from you. To make the process faster and smoother, please contact us at XXXX. Our team is ready to assist you with any inquiries or concerns you may have. Thank you for choosing our services. 

Best Regards, XXXX XXXX. 

Research Department I just want a corrected XXXX so that I can respond to the IRS in a timely matter to get this issue resolved.