Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
Complaint Letter : Subject : Complaint Regarding Mismanagement of Mortgage Account by AmWest Funding Corp . 
To Whom It May Concern, I am writing to file a formal complaint against AmWest Funding Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for serious misconduct, misleading business practices, and mishandling of my mortgage account. 
Summary of the Issues : Since XX/XX/XXXX, I have experienced persistent issues with AmWest 's mortgage servicing, including : Misrepresentation of payment deadlines and rules.

Conflicting information provided between customer service agents and official communications.

Inaccurate and misleading online payment instructions. 
Lack of new customer orientation or adequate support. 
Mishandling of my XX/XX/XXXX payment and apparent falsification of records to suggest it was returnedwhen in fact, it remains in their possession. 
Repeated failure to escalate my concerns despite multiple written and verbal requests. 
Intimidating and unprofessional behavior from Loss Mitigation staff ( specifically an employee named XXXX XXXX, including verbal foreclosure threats while delaying assistance. 
On XX/XX/XXXX, I attempted to make a timely payment online based on verbal guidance I received from AmWest representatives, who told me payments submitted before the end of the month by XXXX XXXX  XXXX would be accepted. This turned out to be false. Between XX/XX/XXXX and XX/XX/XXXX, I made multiple attempts to pay, based on the instructions I had been given. After discovering those instructions were inaccurate, I immediately switched to sending cashiers checks and money orders for the months of XX/XX/XXXX through XX/XX/XXXX given that the online payment feature was deactivated. Despite receiving the payments by mail, AmWest has refused to apply those payments to my account and instead, returned the payments to me via mail, with an exception to the XXXX payment, resulting in further penalty fees and interest. I resubmitted the payments multiple times, only to have them returned arbitrarily, while the XX/XX/XXXX payment remains unprocesseddespite clear proof it was delivered. 
In XXXX and XX/XX/XXXX, a representative named XXXX from the Loss Mitigation Department repeatedly promised to help, only to delay and ultimately threaten foreclosure instead. On XX/XX/XXXX, XXXX even submitted falsified documentation in an attempt to show that the XXXX payment was returned to me. On XX/XX/XXXX, she outright refused to assist me further and again threatened foreclosure. 
I have email records, letters, audio and screenshots showing : Inconsistent instructions about payment deadlines Denials of escalated help Repeated refusals to accept payments despite my willingness to pay default interest Requests to resolve the issue that were ignored or denied without explanation Falsified claims about returned payments I have proof that XXXX payment was not returned, and AmWest is willfully ignoring that it remains in their possession.

Impact on Me : My credit has been damaged due to reported delinquencies. 
I have incurred late fees, default interest charges, and other financial penalties. 
The situation has caused severe emotional distress, disrupted my financial planning, and placed me at risk of wrongful foreclosure. 
I was subjected to verbal threats about foreclosure by AmWests staff even as I actively attempted resolution.

I am attaching supporting documents, including correspondence, proof of payment, and copies of returned money orders. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief