Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
THIS COMPLAINT IS STRICTLY TO ADDRESS FEES AND POTENTIAL UNLAWFUL BILLING UNDER CORPORATE ADVANCES AND THE LIKE. 
THIS ISSUE CONTAINS THE SUBJECT MATTER RELATED TO OTHER COMPLAINTS- HOWEVER IT IS SEPARATED AS IT IS A DIFFERENCE LEGAL VIOLATION AND WARRANTS ITS OWN INVESTIGATION. 

" XXXX loan was classified deliquent and transfered. I recieved a bill from the new lender and disputed it because the amounts were wrong and the new lender XXXX, same servicer- CENLAR XXXX had not corrected errors. 

They ignored my dispute, my XXXX, and my XXXX, and my request for validation under FDCPA- which i could lawfully make since they were a debt collector and it was under 1692g.

the lender ignored it- did not respond - BUT charged me for legal fees for the letter they received from me XX/XX/XXXX. 
I was charged {$510.00} for an " attorney fee '' on XX/XX/XXXX. ( they were not a registed beneficiary until XX/XX/XXXX ) I later sent a simliar dispute against unlawful action in XX/XX/XXXX, and again i was charged a legal fee for it- with no response. I was charged {$510.00} for " attorney fee '' on XX/XX/XXXX. 

I sent a notice of error in XXXX and XX/XX/XXXX due to the lender making a material error in a loss XXXX offer that needed correction or explanation and i was billed another " attorney fee '' of {$510.00} on XX/XX/XXXX. they logged receipt of my letter on XX/XX/XXXX. 



It seems each time i try to assert my rights on the matter- to tell them to stop violating me- i am materially ignored and charged excessively for even asking them to make the corrections they are lawfully required to make. 

They also charged me foreclosure legal fees before having the legal standing to do so. AmeriHome began foreclosure and adding fees to my account before being the beneficiary of record and while ignoring my dispute letter. 

Now there is a new servicer and I am being billed for unexplained " attorney litigation fees '' but we are not in an active court action. Its non judicial. No material action has taken place at the time of billing other than me making demands for correction of accounting which is not slightly off- its off by over {$100000.00} at times. 

The lender was previously made aware of many of these issues, including a documented CFPB filing in XX/XX/XXXX and again in a hardship letter in XXXX, along with numerous recorded phone calls. 
This lender had affirmed its position as justified in its actions to conduct such business against a consumer and a veteran. 

This is abusive servicing. 

I am in a servicer-manufactured default- i was drastically overcharged for escrow putting my forbearance-the errors were never corrected- I have never been given a corrected billing since the original error- the new servicer doubled down by refusing to acknowledge the issue and saying - " we cant speak to the acts of prior servicers '' - they have constantly demanded i pay arrears that were not lawfully assessed before discussing correction and each time I attempt enforcing correction i'm punished by fees and materially ignored.

No material or valid explanation has been given by the lender ( s ) servicer ( s ) on this account to justify overcharges, additional legal fees ( aka retaliation ), or refusal to correct accounting so there is a lawful cure option. 

I believe the servicer and lender are charging fees that would be considered unlawful and without cause. 

I believe property inspection fees are being abusively charged without actual inspections being conducted.

Company response to consumer: Closed with explanation