Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT

Complaint narrative:
I sent Amerinat a Notice of Error and Request for Information on XX/XX/XXXX via certified mail, which was received on XX/XX/XXXX. In that letter I requested the following information : An explanation of why my mortgage account was reported as delinquent and the basis for the alleged arrears. An explanation of why my online account access and electronic payment methods were removed, preventing me from viewing statements or making payments electronically. Confirmation of whether the check payments I sent in XXXX, XXXX, and XX/XX/XXXX were received and applied, as the checks were never returned and I could not verify if they were cashed. Copies of all mortgage statements and account notifications, as I did not receive monthly statements and only received limited or occasional notifications of ready statements. An explanation of why my mortgage payment increased after my loan modification had been confirmed and after the loan was no longer in foreclosure or in a trial modification period. An explanation of why a loss mitigation or assessment review was conducted again approximately XXXX months later, even though the loan had already been confirmed as modified. Prior to sending the letter, I made multiple attempts to obtain this information : On XX/XX/XXXX at approximately XXXX XXXX, I spoke with a representative in the Loss Mitigation Department ( XXXX XXXX ), who confirmed that my methods of payment had been removed, but could not explain why. On XX/XX/XXXX, I received a call from a representative in the legal department handling taxes and common charges. She also could not explain why my mortgage payment increased. She requested that I provide my condominium associations approved budget to verify common charges, which I provided. She stated she would send my mortgage statements, but I never received them. Instead, by the end of that same week, I received a XXXX notice indicating that foreclosure proceedings were being initiated. Despite my certified written request and multiple attempts to obtain clarification, Amerinat did not respond to my Notice of Error or provide any of the requested information. I sent an additional letter in XX/XX/XXXX, along with a loss mitigation package on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative ( XXXX XXXX in the Loss Mitigation Department, who stated that he could not locate my submitted package. During that call, XXXX informed me that : Another account assessment was conducted in XX/XX/XXXX, which resulted in another mortgage payment increase of approximately {$1300.00}, bringing the total payment to {$2600.00}. He could not explain why this assessment was conducted, nor why I was not notified. He indicated that any recalculation of my account may still be inaccurate due to what he described as a significantly increased insurance amount, which also could not be clearly explained. Additionally, the figures referenced by the mortgage companys mediation attorney as of XX/XX/XXXX did not match the amounts provided by the servicer, creating further confusion regarding the accuracy of my account.

Company response to consumer: Closed with explanation