Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
In XXXX XXXX I was informed my new mortgage payment would be {$1600.00}. I was struggling to pay it I asked why was it so high I was told because the property taxes and insurance had went up. Upon further investigation, I found out the property tax was not correct and the lender told me that will not be changed until XXXX when they do their audit. Around early XXXX I spoke with the lender again and explain my dilemma with making the payments and the lender told me the best option they could offer is a temporary loan modification that will last XXXX and that will lower the payments until XXXX for the audit to make adjustments with the property taxes. The lender said I needed to make a payment first to initiate the temporary loan modification, I made a payment of {$1700.00} in XXXX. Then I agreed to a temporary loan modification to begin XXXX XXXXXXXX XXXX. I was told to make XXXX payments each month of {$1200.00}. I made payments of {$1200.00} XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was a problem with the XXXX payment my bank said the payment was returned. I called the lender to verify. The lender said they never received the payment and didnt see any return payments in the system but they will try to pull payments multiple times. On XX/XX/XXXX, the payment went through and was processed. I spoke to the lender early XXXX and was informed that my loan modification was approved and my next payment will not be due until XX/XX/XXXX the new amount was {$1200.00} and that is my new mortgage payment. I asked about the XXXX payment and was told the XXXX payment will be Placed into the principle of the existing loan since the modification was approved. Later around the second week of XXXX I received multiple calls stating I am delinquent in payments and that if I do not make a payment of {$1200.00} the loan modification will be void and that I also need to make the approved loan modified payment that was to start XX/XX/XXXX of {$1200.00}. I made the {$1200.00} payment XX/XX/XXXX. The lender is stating that even though they see I made XXXX payments for XXXX XXXX and XXXX theyre saying I made XXXX payments and XXXX was returned. I told the lender I never approved XXXX payments to be made the agreement was for XXXX the lender said when I called in XXXX to inquire about a returned payment that initiated a fourth payment, and that was taken into consideration for the loan modification. I asked to have the call reviewed and a week later the same rep called and told me the same thing as above and if I do not make a payment as of XX/XX/XXXX that my loan modification will be void. I asked for an in person meeting and was told by the rep he only handles the escalations and I need to call the main line to request an in person meeting. The rep also said he was the highest person I would be able to speak to because loss mitigation doesnt have a direct line.

Company response to consumer: Closed with explanation