Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am writing to formally notify you and make a formal complaint regarding Amerihome loan # XXXX. Sale of property address XXXX XXXX XXXX, XXXX, GA XXXX. I recently finalized the closing of the address mentioned above on XX/XX/XXXX. On XX/XX/XXXX, I confirmed with my county tax commissioner that property taxes remain unpaid for this property. This is two months after closing, despite these taxes being paid by me at closing on XX/XX/XXXX. Furthermore, my escrow account had the allocated funds from Ameri home should have remitted the XXXX tax payment in XX/XX/XXXX, as taxes were collected monthly throughout the year. And are due at the end of the year. Those property taxes were not paid on time. They are in fact, to date, still unpaid despite funds being allocated for it. The following is a timeline of events as seen in my Ameri home Account ( information limited and three attempts to obtain information and resolution have been made but unsuccessful ) XXXX Tax payment initiated by Ameri home mortgage {$2900.00} deducted from account XX/XX/XXXX ; Escrow Advance {$1500.00} in Ameri home account credited to my account XXXX Home loan payoff applied of {$250000.00} XX/XX/XXXX payoff of {$2.00} applied XX/XX/XXXX : Insurance payment {$170.00} XX/XX/XXXX : Property Tax Payment initiated by XXXX ( third party vendor for Ameri home ) for {$2900.00}. THIS WAS DONE VIA WIRE TRANSFER HOWEVER WHEN THE TRANSFER WAS RECEIVED BY XXXX XXXX THE AMOUNT WAS ACTUALLY XXXX SO TAXES STILL UNPAID. I received the ledger from XXXX XXXX confirming this. XXXX Tax Refund {$2900.00} credited to my account XXXX Escrow to mortgagor disbursement {$2900.00} deducted from account XXXX payment {$2900.00} appears to be credit to my account but no other details given XXXX Escrow to mortgagor disbursement {$2900.00} deducted from account no other detail given Events of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX taxes charged to me as a prepaid closing cost and presumably taken out of the proceeds from the sale Amount {$2800.00}. Buyer to pay the remaining XXXX but not reflected in the disclosure. XX/XX/XXXX : Payment received by XXXX XXXX tax commissioner for {$2900.00}. XXXX that was issued by XXXX and XXXX for property taxes. XX/XX/XXXX : Payment that XXXX and XXXX sent dated XX/XX/XXXX was reversed on XX/XX/XXXX so property taxes are still unpaid. XX/XX/XXXX Fee of XXXX assessed by XXXX XXXX for stopping payment and reversing the funds XX/XX/XXXX : Interest charge of XXXX assessed I did receive a check from Ameri home a couple of weeks ago and was told it was escrow overage. However, when I went to deposit it the check had a stop payment placed on it which caused additional fees to my checking account as a result. This is not the first time Ameri home has stopped payment on a check they issued me. This happened in XXXX when they sent me check for escrow overage paid when I purchased the home. That check too was stopped and those funds were never accounted for or shown as being credited back despite inquiries made. I was first informed of the taxes being unpaid last Wednesday but the attorneys office. I was told I needed to resolve this tax matter. I was made to think it was a failure on my part and that I needed to provide the necessary funds including late fees and interest to resolve the matter. It wasnt until I did some research did I realized that this was not my fault but was a serious failure of the closing attorney. When I contacted Ameri Home Mortgage this past Friday to try and figure out what was going on, I was informed that there has been extensive activity on the account recentlyso extensive that I was placed on a 20 minute hold while the representative reviewed the notes. This communication is presumed to have been with my attorney. I understand them having authorization to contact the lender prior to a closing. I do not think that would apply post-closing when the account is paid off and their services are no longer needed. The overall lack of communication and transparency and the fact that the property taxes remained unpaid is of great concern. These issues involve funds that were collected from me throughout XXXX via escrow and again at closing. I also wonder if these funds were also calculated in the payout amount since Ameri home and the attorneys office were attempting to pay the taxes at the same time. Both parties appear to have initiated and then stopped payment on multiple occasions. Where are the funds and the overage of funds currently? I have requesting the immediate release of the following documentation : 1. A complete, detailed escrow ledger ( not a summary ) reflecting all activity since the loan originated in XX/XX/XXXX. 2. Copies of all tax-related payments, including any checks or electronic payments that were issued, reversed, stopped, or reissued. 3. Internal notes, logs, or records documenting all communications between your office and my lender. 4. A detailed mortgage payoff statement ( itemized ) 5. A complete itemized Closing Disclosure, along with any supplemental documentation showing all disbursements, prorations, and prepaid items. I requested a copy of my file and all documents related to loan XXXX so that I can reconcile and determine the accuracy/discrepancy of funds. Given the urgency of this matter and the ongoing issues with the tax status of the property, I request that these documents and explanations be provided to me as soon as possible via email to XXXX. Please use this email for all written communication with me moving forward. Your assistance in ensuring that these property taxes get paid and I am refunded any overage in funds would be appreciated. Please consider this a formal complaint on the lender, Ameri home, and the attorneys office, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief