Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding the mishandling of my escrow account and the failure of my mortgage servicer, AmeriHome Mortgage, to pay my XXXX property taxes despite sufficient escrow funds being available. My property taxes became delinquent on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX issued an escrow refund to me in the amount of {$7200.00} even though the XXXX taxes had not been paid and were already delinquent. On XX/XX/XXXX, I deposited {$6500.00} back into my escrow account to ensure sufficient funds were available for payment of the taxes. My escrow account history later reflected tax disbursements on XX/XX/XXXX for XXXX XXXX taxes in the amount of {$2700.00} and XXXX XXXX XXXX. No. XXXX taxes in the amount of {$2600.00}. However, on XX/XX/XXXX, my escrow account reflected a tax refund credit of {$5300.00}, which corresponds to those prior disbursements. After directly contacting both taxing authorities, I was informed that no payments had been received and that the accounts remained delinquent. XXXX also failed to address a third outstanding tax bill for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a formal written notice to XXXX tax department, including copies of all delinquent tax statements and payment information, requesting immediate resolution and payment of all outstanding taxes. XXXX advised me that the taxes would be paid within 15 business days, which would have been completed by XX/XX/XXXX. No payments were made to any of the taxing authorities within that timeframe. On XX/XX/XXXX, the XXXX business day after my submission, I called XXXX and requested escalation of the matter. I spoke with a supervisor who advised me that the only action taken on the account during the entire 15-business-day review period was that an email had been sent on XX/XX/XXXX to XXXX XXXX requesting information, and no response had been received. The supervisor also confirmed that AmeriHome had not contacted the other taxing authorities regarding the remaining delinquent tax bills. I was not provided any timeline for payment resolution, only assurances that it would not take another 15 business days. On XX/XX/XXXX, I again contacted AmeriHome because there were still no escrow debits or indication that payments had been issued through my online mortgage portal. I spoke with the escalations department and was told that a representative had been assigned to my account and would provide updates. No further action regarding payment was communicated. On XX/XX/XXXX, I received a voicemail from AmeriHome only stating that a representative had been assigned to the account and would notify me of updates. At this point, despite repeated phone calls, written notices, escalation requests, and submission of all required tax documentation, the delinquent property taxes still have not been paid. I also requested copies of all internal notes and documentation pertaining to this issue from AmeriHome Mortgage in order to better understand what actions had been taken regarding the delinquent taxes and escrow handling. I was advised by AmeriHome representatives that the internal servicing notes are not releasable to borrowers. As a result, I have been unable to obtain transparency regarding the actual status of the account, what actions have or have not been taken, or why the taxes remain unpaid despite repeated escalations and sufficient escrow funds being available. This delay continues to cause additional penalties and interest to accrue on all outstanding tax accounts. I am extremely concerned about the continued delinquency of these escrowed property taxes, the lack of meaningful action taken by the mortgage servicer, and the risk of additional collection activity or other consequences resulting from AmeriHomes failure to properly administer my escrow account. I am requesting that AmeriHome Mortgage immediately remit payment of all outstanding property taxes from the escrow funds available on my account and assume full responsibility for any penalties, interest, or additional fees that accrued as a result of their failure to timely pay the taxes.

Company response to consumer: Closed with non-monetary relief