Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Subject : Complaint Against AmeriSave Mortgage Corporation for XXXX, Wire Transfer Concealment, and Denial of Legal Owner Rights From : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Company : AmeriSave Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Summary of Complaint : I, XXXX XXXX, am submitting a formal complaint against AmeriSave Mortgage Corporation due to : Improper denial of my rights as a co-owner ; Failure to disclose the source of refinance funds ; Suspicious use of XXXX XXXX for monthly payments ; Failure to recognize me as a full party to the refinance ; Possible elder abuse and civil XXXX violations. 

Details : My fianc XXXX XXXX and I jointly own our home and are both named on the deed and title. 
Over XXXX years ago, we refinanced the property with AmeriSave Mortgage. We both signed the refinance documents when a representative came to our home. 

However, AmeriSave is now refusing to speak with me or allow me access to the mortgage, claiming I am not a borrower, despite my role in the refinance and legal co-ownership. 
This is a violation of my rights as a property owner, and I believe this may also constitute a TILA ( Truth in Lending Act ) or RESPA violation due to the concealment of financial details. 

Concerns Include : No Disclosure of Wire Transfer : AmeriSave has never provided proof of the wire transfer used to refinance our home including which bank transmitted funds, who signed on our behalf, and where that money was sent. As a co-owner and co-signer, I am entitled to this information. 

XXXX XXXX Payment Demand : AmeriSave has been directing XXXX ( age XXXX ) to send payments through XXXX XXXX for several months. There are no formal receipts and no clarity about where these funds are going. This is highly irregular and suspicious for a licensed mortgage servicer. 

Elder Abuse Risk : XXXX is a senior citizen and may have been taken advantage of through this unconventional payment method and lack of communication. 

XXXX XXXX Confirms My Ownership : The deed on file lists both XXXX XXXX & XXXX XXXX. Yet, AmeriSave continues to act as if I have no legal standing, which is incorrect and possibly fraudulent. 

I Am Requesting That the CFPB : Investigate AmeriSaves refinance funding source; Require AmeriSave to provide : Full wire transfer receipt and bank name ; All loan closing disclosures ; Recorded mortgage XXXX document ; Investigate the legality of XXXX XXXX payments ; Require AmeriSave to correct their records and acknowledge me as a full participant in the refinance ; Consider referral for elder financial abuse and XXXX examination, if fraud or financial misconduct is found. 

Supporting Documentation I am ready to provide any documents required although XXXX should already have copies of all refinance records on file from over XXXX years ago, including : Refinance agreement Closing disclosures Notarized signature pages Deed of ownership Mortgage XXXX Sincerely, XXXX XXXX Co-Owner of Property XXXX XXXX XXXX XXXX, NC XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation