Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I am filing this complaint regarding the servicing of my FHA mortgage loan by AmeriHome Mortgage Company and the handling of our loss mitigation/trial repayment arrangement. We entered into a repayment/trial arrangement with AmeriHome in XXXX. During this process, payments were made based on the due dates and instructions we understood from the agreement. We made multiple payments before stated due dates, believing those payments satisfied upcoming mortgage obligations. AmeriHome is now treating the loan as delinquent and claims the repayment/trial arrangement failed because payments were not made within specific calendar months, even though payments were made and accepted by the servicer. We dispute that the agreement language clearly disclosed that a payment had to physically post every calendar month regardless of prepayment timing. The language we were provided stated that we were required to continue making mortgage payments in a timely manner. We believed we complied with that requirement by making payments on or before the due dates provided. The agreement did not clearly state that early payments or prepayments would not satisfy future monthly obligations. For example, we made what we believed to be the XXXX mortgage payment on XX/XX/XXXX. AmeriHome later treated the account as delinquent because no payment physically posted during XXXX, despite the payment already having been made. Similar issues occurred with later payments, where payments we believed were satisfying future installments were instead applied to prior months under AmeriHomes servicing practices. At no point during this process were we clearly informed that the payment application method being used by AmeriHome would allegedly invalidate the repayment/trial arrangement or cause the loan to become delinquent again. Payments were accepted without timely notice that AmeriHome considered the arrangement breached. Additionally, I submitted a written Notice of Error/Qualified Written Request to AmeriHome in XX/XX/XXXX disputing the handling and application of payments and requesting clarification and investigation. AmeriHome acknowledged receipt of my correspondence on XX/XX/XXXX. On XX/XX/XXXX, I received additional correspondence stating that more time was needed to complete the review. However, I still have not received a full written determination or written response addressing the specific concerns raised in my Notice of Error, despite specifically requesting written communication. During a recent phone conversation, I was informed that AmeriHome allegedly attempted to call me on XX/XX/XXXX, but I did not receive a voicemail or any written follow-up. I still have not received a substantive written response explaining the findings of their investigation or clearly explaining the basis for the delinquency determination. Additionally, from approximately XX/XX/XXXX through the present, I made numerous phone calls attempting to obtain clarification regarding the status of the loan, the repayment/trial arrangement, payment application, and available options. After filing XXXX XXXX bankruptcy on XX/XX/XXXX, I continued attempting to communicate with AmeriHome but was repeatedly advised that representatives could not speak with me due to the bankruptcy filing. This significantly limited my ability to obtain information, resolve disputes, or understand the status of the account during critical periods of the servicing process. Our bankruptcy has since been XXXX, and no reaffirmation agreement was ever provided or executed regarding this mortgage loan. AmeriHome is now refusing partial payments and has issued a breach/default letter stating that over {$5400.00} must be paid by XX/XX/XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Email : XXXX See below QWR/Notice of Error that was mailed. AmeriHome Mortgage Company , LLC Attn : Error Resolution / Qualified Written Request / Requests for Information XXXX XXXX XXXX XXXX, GA XXXX Re : NOTICE OF ERROR / QUALIFIED WRITTEN REQUEST / REQUEST FOR INFORMATION ( RESPA ) Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter serves as a formal Notice of Error, Qualified Written Request ( QWR ), and Request for Information under the Real Estate Settlement Procedures Act ( RESPA ) and its implementing regulation, Regulation X ( 12 C.F.R. 1024.35 and 1024.36 ). This request concerns servicing errors, including inaccurate payment application, inaccurate delinquency reporting, and improper removal from a loss mitigation repayment plan. My prior XXXX XXXX bankruptcy filing does not eliminate your obligation to investigate and respond to this Notice of Error and Request for Information under RESPA. BACKGROUND/ TIMELINE In XX/XX/XXXX, we entered into a trial repayment plan agreement which included skipping payments for XXXX and XX/XX/XXXX, then restarting payments in XX/XX/XXXX. The servicing of our loan was transferred/sold in approximately XX/XX/XXXX, and the information was not transferred correctly. We resumed payments in XX/XX/XXXX and have made consistent payments since that time. Per our normal pay schedule, we make mortgage payments around the XXXX of each month to cover the following month. For example, the repayment plan required the XXXX payment to be made on or before XX/XX/XXXX, and we submitted that payment on XX/XX/XXXX, which was prior to the due date. We filed XXXX XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, we were informed by an AmeriHome representative that our loss mitigation trial plan was terminated because AmeriHomes system reflects that a payment for XX/XX/XXXX was not received. We dispute this determination, as we have made consistent payments since restarting in XX/XX/XXXX and believe AmeriHomes servicing records are inaccurate due to the servicing transfer and/or misapplication of payments. Additionally, the repayment plan issues and payment posting concerns began before our bankruptcy filing and therefore should not have been impacted by our XXXX XXXX filing. AmeriHome is currently reflecting the loan as approximately XXXX months delinquent, despite payments being made. This appears to be the result of misapplied payments, incorrect posting, or other servicing errors. We have repeatedly contacted AmeriHome since XX/XX/XXXX in an attempt to resolve these issues. NOTICE OF ERROR We are formally disputing the following servicing errors : Misapplication and/or incorrect posting of payments made from XX/XX/XXXX to present. Incorrect delinquency status, showing XXXX delinquent months that do not match the repayment plan agreement and payments made. Improper placement of payments into suspense, partial payment holding, or other accounting practices that created a false delinquency. Incorrect determination that a payment was missed ( XX/XX/XXXX ), leading to removal from loss mitigation/trial plan status. Improper termination of our trial repayment plan based on inaccurate servicing records. Failure to accurately reflect the trial plan terms ( skip XXXX XXXX, restart XX/XX/XXXX ) after the servicing transfer. REQUESTED CORRECTION We request that AmeriHome Mortgage Company : Conduct a full investigation of our account history and servicing transfer. Correct the payment application history to accurately reflect all payments made. Correct any delinquency status if it is based on misapplied payments or servicing errors. Correct all internal notes stating that the XX/XX/XXXX payment was missed if payments were made and/or misapplied. Provide written confirmation of the results of your investigation. Reopen and reevaluate our loss mitigation/trial plan status if removal was based on inaccurate records. REQUEST FOR INFORMATION ( DOCUMENTS REQUESTED ) Please provide copies of the following documents and information : Payment History & Posting A complete payment history from XX/XX/XXXX to present, showing : date received date posted amount received how it was applied ( principal, interest, escrow, fees ) whether it was placed into suspense the month each payment was credited toward A written explanation identifying which months AmeriHome currently shows as delinquent and the specific reason for each delinquent month. Suspense Account / Ledger A complete suspense account ledger from XX/XX/XXXX to present, including all entries, dates, amounts, and reversals ( if applicable ). Trial Plan / Loss Mitigation A copy of the full trial repayment plan agreement, including the terms requiring skipping XXXX and XX/XX/XXXX and restarting payments in XX/XX/XXXX. Copies of all loss mitigation communications, including : approval letters cancellation letters internal review notes documentation supporting removal from the trial plan Documentation supporting AmeriHomes claim that the XX/XX/XXXX payment was not received, including the due date used and the system posting logic used to determine delinquency. Servicing Transfer / Boarding History Copies of all documents relating to the transfer of servicing, including the boarding history and the payment history received from the prior servicer. Fees / Escrow A full itemized breakdown of all fees assessed since XX/XX/XXXX, including : late fees property inspection fees escrow shortages corporate advances attorney fees ( if any ) any other charges A complete escrow analysis and escrow transaction history since XX/XX/XXXX. Call Logs / Communication Records A log of all customer service and loss mitigation communications from XX/XX/XXXX to present, including : call dates and times department or representative notes summaries of each call escalation notes internal servicing notes ( If call recordings exist, please preserve them. ) Reinstatement/ Amount Needed to Cure A written statement of the amount required to bring the loan fully current as of today, including a full itemization ( reinstatement quote ). SUPPORTING DOCUMENTATION We have documentation supporting that payments were made timely and in accordance with the trial repayment plan terms, including : Bank statements showing payments made to the servicer, including typed descriptions indicating which month each payment was intended to cover Payment confirmation receipts and confirmation numbers Letters showing the servicing transfer Loss mitigation approval letter ( s ) Loss mitigation application acknowledgment/receipt letter ( s ) These documents confirm that payments were submitted on or before the dates required under the repayment plan. Any delinquency status or claim that a payment was missed appears to be the result of servicing transfer errors and/or misapplication of payments. CREDIT REPORTING DISPUTE If AmeriHome has reported any delinquency to any credit reporting agency based on inaccurate servicing records, we dispute the accuracy of this reporting and request immediate correction. RESPA RESPONSE REQUIREMENTS This letter is a formal Notice of Error and Request for Information under RESPA. Please acknowledge receipt and respond within the required legal timeframes. If you need to contact us, we can be reached at : Phone : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX, OK XXXX Sincerely, XXXX XXXX [ Signature ] Co-Borrower : XXXX XXXX [ Signature ]

Company response to consumer: Closed with non-monetary relief