Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: ID

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint regarding AmeriHome Mortgage Servicings repeated mishandling of my mortgage payments, unauthorized withdrawals, and failure to return excess funds despite multiple notices and extended time to resolve the issue.

Background and Timeline My mortgage was previously serviced by another lender, under which I paid my mortgage bi-weekly. 

On XX/XX/XXXX, my prior servicer withdrew my bi-weekly payment, which represented half of my XXXX mortgage payment. 

Shortly thereafter, my loan servicing transferred to AmeriHome Mortgage Servicing.

AmeriHome inherited that bi-weekly payment, yet still withdrew a full monthly mortgage payment for XXXX, resulting in AmeriHome holding one and a half mortgage payments for the same billing period.

I contacted AmeriHome immediately. During that call, I was told : AmeriHome had possession of the excess half payment The funds were in suspense or limbo The excess funds would be applied toward my next payment As a result, only half of my next mortgage payment would be withdrawn Despite confirming the correct amount multiple times during that call, AmeriHome still withdrew the full mortgage payment.

This same error then occurred again, even after I contacted AmeriHome, explained the situation in detail, and was told that the correct amount had been verified.

At that point, AmeriHome had withdrawn and retained an excess half mortgage payment dating back to late XXXX. 

Request for Refund and Failure to Act After it became clear that AmeriHome could not correctly apply the excess funds, I contacted AmeriHome again and requested that the excess amount simply be returned to me.

I was told : The issue would be reviewed AmeriHome had up to two weeks to contact me regarding the refund I would be contacted by XX/XX/XXXX I explicitly requested written documentation of this conversation and timeline and was told that no documentation could be provided. 
After waiting approximately 1718 days, I received an email from AmeriHome stating only that my money was still in suspense. This communication did not resolve the issue, initiate a refund, or provide any explanation. It merely confirmed information I had already been told repeatedly for over a month.

As of today : AmeriHome continues to hold an excess half mortgage payment No refund has been issued No meaningful action has been taken No written explanation has been provided I have been deprived of access to my own funds for over six weeks Nature of the Complaint This complaint concerns : Unauthorized and excessive ACH withdrawals Misapplication of payments during a servicing transfer Repeated errors after notice Failure to correct acknowledged errors Unreasonable delay Failure to provide written confirmation or documentation Resolution Requested I am requesting the following : Immediate return of the excess half mortgage payment A written explanation detailing : Why the excess payment occurred Why full payments were withdrawn after AmeriHome was notified the amount was incorrect Why the funds were not refunded after extended review Written confirmation of my current account status showing no overpayment or misapplied funds Written assurance that this issue will not recur This issue has not been resolved through repeated good-faith attempts via customer service. I am submitting this complaint to ensure the matter is formally documented and addressed.

Company response to consumer: Closed with explanation