Consumer complaint received 2026-02-02 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: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding mortgage servicing and negative credit report that occurred while I was actively pursuing loss mitigation assistance. 

On XX/XX/XXXX, I proactively contacted my mortgage servicer to request loss mitigation assistance. I was asked if I could print the forms and as I could not, I was advised the application materials would be mailed to me. I relied on those instructions and waited on the forms. After not receiving any further updates, I later called to check on the status and was then informed for the first time that the application could be submitted online. Upon learning this, I promptly completed and submitted the application through the online portal. Throughout this entire period, I was actively attempting to follow the servicer 's process in good faith and comply with their instructions.

While I was seeking assistance and before any underwriting decision had been made, the servicer reported a 30-day delinquency and increased loan balance to the credit bureaus. This caused a significant XXXX-point drop in my credit score, materially affecting my ability to operate in the financial marketplace.

When I contacted the servicer to discuss reporting, I was advised that payments were still technically due and that the credit team would not make corrections. However, I believe the negative reporting occurred while I was actively working with the servicer and attempting to complete the loss mitigation process as instructed. The delinquency appears to have resulted from process delays and communication gaps rather than borrower inaction or neglect.

Additionally, this timeframe overlapped with a recent servicing transfer of my load. I understood there was to be a transition protection period intended to minimize borrower harm or confusion during a transfer between services. Given both the servicing transfer and my active request for assistance, I reasonably expected that my account would be handled with care and that avoidable negative reporting would not occur while my application was in process.

I made every effort to act early, communicate promptly, and cooperate fully. Despite these efforts, my credit was negatively impacted while I was actively trying to obtain help.

Summary Timeline Reference : - XXXX XXXX : Under 60 days Service Transfer Protection - XX/XX/XXXX : Contacted servicer to request loss mitigation and was told forms would be mailed. 
- XXXX : Learned online submission was available and promptly submitted application - XXXX : 30 day delinquency reported to credit bureaus, resulting in XXXX-point drop - XX/XX/XXXX : Submitted Credit Reporting Correction Dispute to directly to servicer. 
- XX/XX/XXXX : Was informed over the phone that the request will be denied by the credit reporting team, regardless of good faith.

I respectfully request : - Investigation into the servicer 's handling and communication of my loss mitigation process.

- Correction or removal of the reported delinquency.

- Correction of any related balance reporting.

- Assurance that negative reporting will not occur while loss mitigation is under active review.

- A good-faith review of my eligibility for available hardship assistance options, including forbearance or other loss mitigation alternatives, with clear written communication of those options, and phone updates should written communications not be provided immediately by email ( even if regular mailed communications follow ).

- Written confirmation of the results of the investigation.

Thank you for your time and assistance with this matter. 

Sincerely, XXXX XXXX Loan # : XXXX Servicer : AmeriHome Property Addr. : XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief