Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: DC

Complaint narrative:
AmeriNat notified me my 1st time homebuyer loan ( which originated 5 years prior ) would start requiring payments. The notification letter was sent dated XX/XX/year> -- less than 10 days prior to the supposed due date of XX/XX/year>. However, due to the major snow-crete snowstorm XXXX the XXXX in XX/XX/year> and resulting mail disruptions, the letter was not delivered to my address until much later -- XXXX. Trash wasn't collected, schools were closed, mail was not delivered during this period. Nonetheless, despite my not having any details on who or how to pay, they started charging late fees. When I called, they told me they would not accept e-payment and would only accept a check snail mailed due to the account being overdue. Despite their stated policy, they did begin to process electronic monthly payments of {$75.00} starting in XXXX but refused to bring my account current with e-pay for XXXX. I was advised that by the time they got the check and started processing anything, I should just plan on having to pay several more late fees. I sent a snail mail Bill Pay Certified Check of {$250.00} to the required XXXX XXXX XXXX XX/XX/year> with an estimated arrival of XX/XX/year>. Eventually, AmeriNat processed it on XX/XX/year> -- a full month and 10 days later ... which conveniently allowed them to rack up several more late fees ( {$3.00} each totaling {$9.00} ). A bit more history is below : I contacted AmeriNat via Fax on XX/XX/year>. No response. I contacted them via phone and explained the situation on these dates : XX/XX/year> XX/XX/year> XX/XX/year> ( twice ) XX/XX/year> XX/XX/year> The response was that they could not confirm whether or not the lock box had been checked and that they simply couldn't find my payment. I was promised a call back from a XXXX on XXXX different occasions. I did not receive a call back ever. However, the phone rep was able to share that the " other '' team did not do their part, but she and her XXXX had done their part. After no response via fax and poor phone support, I contacted AmeriNat via email on XX/XX/year> to again share the faxed information and my concerns. They responded XX/XX/year> requesting confirmation of where the payment was sent. I replied XX/XX/year> confirming that payment was sent to the payment remittance address. They replied XX/XX/year> that the issue has been escalated to a XXXX. I replied XX/XX/year> requesting an update, because no one contacted me. They replied XX/XX/year> with a message about payment not reaching my system, which doesn't make any sense to me. I don't have any system. I'm trying to make a payment on my account in * their * system. I sent another certified bill pay check for {$75.00} on XX/XX/year> with an estimated arrival of XX/XX/year>. Unceremoniously, AmeriNat processed the {$250.00} check on XX/XX/year> but posted it to my account as {$230.00} and {$16.00}. In addition, they processed the {$75.00} check on XX/XX/year>. I have not received a response from their compliance team regarding the servicing errors and request for late fee removal due to servicing error.

Company response to consumer: Closed with explanation