Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
Subject : Formal Complaint XXXX XXXX XXXX XXXX with XXXX  XXXX XXXX ( XXXX XXXX XXXX  ) To : Consumer Financial Protection Bureau ( CFPB ) Mortgage Servicer : XXXX Loan Number : XXXX XXXX. Summary of Complaint We are submitting this complaint against XXXX for its refusal to comply with the XXXX XXXX  ( XXXX ), which became law on XXXX, providing wildfirerelated forbearance protections for borrowers affected by the XXXX, XXXX, and windstorm disasters declared in XXXX. 

In XXXX, following the passage of XXXX, we submitted a complete written request for mortgage forbearance due to documented financial hardship caused by the XXXX XXXX  disaster. Despite meeting the eligibility criteria and providing all required information, XXXX denied our request without any explanation, justification, or statutory notice of reasons as required by law. The denial consisted of a single line stating only that we were denied, with no accompanying written explanation, investor reference, or contractual citation. A copy of the denial letter is attached. 

XXXX. Violations of XXXX  XXXX Under XXXX XXXXXXXX, as enacted by XXXX ( XXXX, XXXX ) : Mortgage servicers are required to offer a XXXX forbearance, extendable at the borrowers request up to a maximum of XXXX, for borrowers experiencing wildfirerelated financial hardship. 

Servicers must provide a written response XXXX of receiving a request. 

If the forbearance is denied, the servicer must issue a written notice that : Clearly explains the specific investor or contractual guideline that forms the basis for the denial, and Includes the text of the relevant provision relied upon. 

If the denial is due to an incomplete or curable application, the servicer must provide XXXX to correct any deficiencies and respond to the revised request within fivebusinessdays. 

XXXX did not comply with any of these requirements. No investor justification, contractual citation, or notice of curable defect was provided. The companys cursory denied email directly contradicts the statutory procedure mandated by XXXX. 

XXXX. Harm to the Borrowers This wrongful denial and lack of transparency have caused measurable harm, including : Continued financial hardship while displaced and recovering from wildfire damage. 

Credit damage due to missed payments that should have been protected under the forbearance statute. 

Emotional and logistical stress from collection activity and uncertainty regarding our mortgage status during a declared disaster recovery period. 

XXXX was specifically enacted to prevent such outcomes by ensuring disasterimpacted homeowners receive timely and fair consideration for relief. 

XXXX. Requested Action We respectfully request that the CFPB investigate XXXX noncompliance with the requirements of XXXX, including its failure to : Provide the mandated written explanation and investor citation supporting the denial. 

XXXX the statutory XXXX renewable forbearance period available to wildfireaffected borrowers. 

Cease adverse credit reporting and collection efforts while a valid forbearance request was pending. 

We ask that XXXX be required to : Reevaluate our forbearance request in compliance with XXXX, Correct any improper credit reporting, and Implement policy changes to ensure future compliance with XXXX disasterrelief forbearance laws. 

XXXX. Attachments XXXX of XXXX oneline denial XXXX XXXX forbearance request submitted XX/XX/year> Proof of wildfire disaster impact ( evacuation, insurance claim, etc. ) Copy of XXXX ( XXXX, XXXX )

Company response to consumer: Closed with explanation