Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Supplemental Information : FHA Servicing Errors, Illegal Foreclosure Escalation, and False Denial Basis. 

I am submitting additional information to my existing complaints against AmeriHome MortgageXXXX ( XXXX # XXXX ). 

Existing CFPB Complaint ID : XXXX Submitted on : XXXX Existing CFPB Complaint ID : XXXX Submitted on : XXXX Since my initial complaints, I received new documents that show multiple additional violations, including : 1. Premature and improper foreclosure escalation AmeriHome referred my FHA loan to a debt collector/foreclosure attorney even though : I was never sent a Notice of Intent to Foreclose I was never sent ANY pre-foreclosure notice I was never given a cure letter My loss mitigation review was still active I was still within my appeal period There was an active CFPB case ( submitted XXXX & XXXX ) There was an active RESPA Notice of Error ( Sent : XXXX ; Receipt of Confirmation from Amerihome XXXX ) Interference with my appeal rights Amerihome called me multiple times on recorded lines amongst those calls, a conversation was had with a manager, who was stating my lien was the reason for denial and that appealing would do nothing since they can not move forward due to SBA and FHA rules .

After informing both that manager and another customer liaison that had been assigned to my loan that the SBA loan was under my LLC and not my name and that there is no lien existing for this home, they instructed me to call back once I cleared the lien and would not hear my correction. After the flurries of calls to which I informed them I wished to have all communications in writing, I was sent another denial with a deadline date of XXXX and more untrue statements. 

This is a violation of the FHA appeal requirement. 

Additional False denial reasons Claiming we were unemployed ( false ) Claiming we could not afford payments ( false ) Claiming there was a lien on the proper Claiming we were unemployed ( false ) Claiming we could not afford payments ( false ) Claiming there was a lien on the property ( false ) County records and SBA loan documents confirm no lien exists and no collateral was ever required for my SBA loan. 
Income documentation was submitted and acknowledged by Amerihome as the modification was approved prior to Amerihome selling the loan to themselves. 

Debt collector involvement during active disputes While my RESPA Notice, and CFPB case were active, AmeriHome : Sent my loan to a debt collector Initiated attorney contact Demanded a full reinstatement amount through a law firm I have now disputed the debt under FDCPA and have sent certified to the debt collecting law firm. 

Pattern of negligence : This is not the first time this has happened, in XXXX, Amerihome sent me to foreclosure when we had already satisfied the modification appeal process. We received a foreclosure notification from a debt collector attorney. I informed the attorney that we had complied with the requirements and he responded that he filed the documents but was not proceeding. 

Documents I am uploading in this supplemental update : 2nd denial sent XXXX with appeal deadline of XXXX Attorney debt collection notice received XXXX Proof of Certified FDCPA to Attorney Proof of Certified RESPA Notice of Error Illinois State Record search showing no lien SBA documentation proving no collateral required Confirmation of RESPA email receipt from Amerihome Email to XXXX  Law Firm disputing Foreclosure notification / confirmation of receipt Copy of XXXX case dismissal after dual tracking notification

Company response to consumer: Closed with explanation