Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I bought a rental property early XXXX. I obtained title insurance and the search showed a clear title at closing. Months later I received a letter from a debt collector which said back taxes were owed from years prior to me purchasing the property and totaling around {$100.00}. I disputed the claim and told the company I had title insurance which would cover the amount if it proved to be correct. I also alerted my title company. 
Amerihome Mortgage Company sent me a letter shortly thereafter telling me I owed taxes on the property and they would be paying them if I didnt. I do not escrow taxes with XXXX. I called and explained the situation and they added this information to the notes on my account in XX/XX/XXXX. I told them they should not pay the taxes because if they were owed my title company would be paying them. Around XX/XX/XXXX I paid my yearly property taxes through the Philadelphia online system. The taxes were due on XX/XX/XXXX so I paid early. Around the time I made the tax payment I received an email from XXXX which said a tax payment had been made on my behalf. I called XXXX and they informed me that not only had they paid the {$100.00} being disputed they had paid the XXXX property taxes which were {$2900.00} and not yet due. They told me my taxes were past due. I told them the taxes were not due until the end of the month. This has become a huge ordeal. I had to provide proof that I paid my taxes but they still raised my mortgage payment more than {$500.00} a month ( which I cant afford to pay because I paid the taxes myself already ). When they raised my payment my credit score went down because it showed my debt increased by that tax amount. I have called countless times. I often get disconnected and have to call back. I probably spend about an hour each time I call between long holds and having to call back when I am disconnected. When I do speak to someone they just tell me the ticket will be resolved soon and then the escrow will be removed. One person put notes in the account to allow me to short pay my mortgage but it required calling the customer service line which is not a convenient way to make a payment. That worked the first month but the second month I called and explained there were notes on my account allowing me to short pay and they had no idea what I was talking about and I had to ask for a supervisor. Once connected to the supervisor I again explained the situation and she said she was working on submitting a ticket for the issue and then she disconnected me. I had to call back again to make my payment and that person also had difficulty understanding what I needed but was finally able to take the payment. 
This is a terrible situation to be in and extremely stressful. It has been FOUR months and they still havent corrected THEIR mistake. I dont know how a company can get away with affecting a customers credit and charging them more money for a mistake they made.

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