Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This complaint concerns ongoing escrow account mismanagement on Loan # XXXX ( XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ) across multiple servicers, an unanswered Notice of Error from XX/XX/XXXX, an ignored Request for Information for an escrow waiver form, and a XX/XX/XXXX Annual Escrow Account Disclosure Statement claiming a {$17000.00} shortage that does not appear to credit prior shortage payments I have already made. SERVICER CHAIN - Originator : XXXX XXXX XXXX ( XX/XX/XXXX ) - AmeriHome Mortgage ( master servicer for a period after origination ) - XXXX XXXX XXXX ( transferred from AmeriHome XX/XX/XXXX ) - AmeriHome ( master ) with XXXX as subservicer ( XX/XX/XXXX to present ) ORIGINAL PAYMENT vs CURRENT PAYMENT - Original monthly payment at origination : approximately XXXX - Current required payment effective XX/XX/XXXX : XXXX - Increase : approximately XXXX per month - Per AmeriHome 's own analysis : XXXX XXXX XXXX XXXX XXXX + escrow of XXXX + shortage repayment of XXXX = XXXX - Legitimate payment without shortage : XXXX - XXXX am being charged an additional XXXX per month based on a shortage figure that has never been properly documented or reconciled XX/XX/XXXX NOTICE OF ERROR ( sent to XXXX ) I sent a written Notice of Error identifying that AmeriHome 's XX/XX/XXXX final escrow disclosure showed a Transfer Balance of XXXX that should have offset a negative escrow position. XXXX 's XX/XX/XXXX statement still showed escrow at negative XXXX with a payment of XXXX. I asked five specific questions : 1. Has the XXXX Transfer Balance from AmeriHome been received and applied to my escrow account? XXXX. If yes, why is the escrow balance still negative? XXXX. If no, when will those funds be posted and will payment be adjusted? XXXX. Can you provide an updated escrow analysis reflecting the corrected balance? XXXX. What are my options to recalculate or reduce the escrow portion of my monthly payment? XX/XX/XXXX REQUEST FOR INFORMATION ( separately submitted same day ) I requested the Escrow Waiver Form, instructions for completing/submitting it, and any eligibility criteria. My XXXX is approximately 64 % ( loan balance XXXX on home valued at XXXX ), well within the threshold to qualify for waiver. This Request for XXXX was never responded to in any form. XX/XX/XXXXXXXX XXXX RESPONSE XXXX XXXX written response ( signed by XXXX XXXX, Customer Resolution XXXX, XXXX ) stated " we have determined no error occurred. '' It confirmed : - Escrow was negative XXXX after the XX/XX/XXXX payment - Shortage was being spread over 37 months at XXXX per month - " The previous payment history revealed a negative escrow account prior to the service transfer with no lump sum payment to accommodate the shortage '' Critically, the response did NOT address my specific question about the disposition of the XXXX Transfer Balance, did NOT provide the documentation it claimed was attached, and did NOT respond at all to my separate Escrow Waiver Form request. I followed up the same day showing the math did not add up : - P & I in low XXXX - Property taxes approximately XXXX per year ( XXXX per month ) - Insurance approximately XXXX per month - Their stated payment of XXXX per month was unexplained given those inputs XX/XX/XXXX NEW ANNUAL ESCROW ANALYSIS On XX/XX/XXXX, AmeriHome issued a new Annual Escrow Account Disclosure Statement claiming a XXXX shortage spread over 25 months at a new monthly payment of XXXX effective XX/XX/XXXX. This raises additional concerns : XXXX. UNCREDITED SHORTAGE PAYMENTS : Since approximately XX/XX/XXXX my XXXX payment included approximately XXXX per month in shortage repayment under XXXX XXXXs prior XXXX plan. Across 9 months I paid approximately XXXX toward the prior shortage. The new analysis appears to show a shortage figure ( XXXX ) that does not properly credit those prior shortage payments. XXXX. INCONSISTENT REPAYMENT SCHEDULES : The XXXX analyses use INCONSISTENT repayment schedules ( 37 months under XXXX vs 25 months under AmeriHome ) without explanation. Different methodology between servicers on the same loan suggests calculation methodology has changed in a way that disadvantages me. XXXX. INHERITED DEFICIT : The escrow account history on XXXX XXXX of the XX/XX/XXXX analysis begins XX/XX/XXXX with a balance of negative XXXX already XXXX in the negative indicating the deficit was created and grew under prior servicers. The original XXXX Transfer Balance question from XX/XX/XXXX has never been resolved. XXXX. ESCROW MATH SHOWS POSITIVE NET CONTRIBUTION : The escrow account history shows total escrow payments received from me at XXXX against total disbursements of XXXX during XX/XX/XXXX to XX/XX/XXXX. I paid IN XXXX MORE than was paid OUT during that period, yet the account is still negative. The only explanation is that the transferred deficit was not properly accounted for or credited to prior shortage payments. VIOLATIONS ALLEGED XXXX. RESPA / XXXX CFR XXXX ( c ) Failure to address specifically identified error ( the XXXX transfer balance disposition question ) XXXX. RESPA / XXXX CFR XXXX Failure to respond to Request for XXXX ( the escrow waiver form request, ignored entirely ) XXXX. RESPA / XXXX XXXX XXXX XXXX escrow analysis methodology, including failure to credit prior shortage payments and unexplained change in repayment schedule XXXX. Pattern of inaccurate escrow accounting across multiple servicer transfers spanning XXXX XXXX, AmeriHome, XXXX, and back to AmeriHome plus XXXX I am the borrower of record and a Texas-licensed attorney. I have all email correspondence, the AmeriHome billing statements, and the XX/XX/XXXX escrow analysis preserved as evidence and can provide them upon request.

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 explanation