Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC
State: KS

Complaint narrative:
Background & Grounds for Repudiation On XX/XX/XXXX, XXXX executed mortgage documents at XXXX  XXXX XXXX, with XXXX XXXX ( XXXX  License ID : XXXX ) as the loan signing agent. XXXX  believed they were entering a valid mortgage agreement with XXXX XXXX XXXX  ( XXXX  ID XXXX ). The alleged mortgage was paid in full within two weeks. 
Upon contacting XXXX XXXX XXXX, we were informed that no mortgage account had ever been opened in our names. Subsequently, we were contacted by XXXX XXXX XXXX XXXX  ( XXXX ID XXXX ), who claimed to be the original lender despite documentation stating " XXXX XXXX XXXX  '' We later discovered XXXX XXXX XXXX  mortgage program did not commence until XX/XX/XXXX, nearly a month after the execution of documentsconfirming the mortgage was induced by fraud and misrepresentation. 
Thereafter, AmeriHome Mortgage asserted servicing rights over this alleged loan. In response, XXXX submitted the following : Accepted for Value ( A4V ) letter to CEO XXXX XXXX and CFO XXXX XXXX ; IRS Form 56 ( Notice of Fiduciary Relationship ) ; IRS Form 2848 ( Revocation of Power of Attorney ) ; A formal Revocation of Contract and Constructive Legal Notice including a demand to use the Cash Collateral Deposit Account to satisfy the mortgage ; A Qualified Written Request ( QWR ) under RESPA. 
AmeriHome ignored these lawful instruments, canceled our property insurance, and issued foreclosure threats in coordination with XXXX XXXX XXXX . Additionally, unauthorized individuals have visited our property with unsolicited purchase offers. This harassment has caused emotional harm, especially to our minor child with XXXX. 
We also contacted FHA, XXXX XXXX, and XXXX XXXX, who each confirmed in writing that no mortgage loan exists under our nameproving the servicing claim is unfounded, fraudulent, and unenforceable. 
Statutory & Legal Violations This matter involves clear violations of federal and state laws including but not limited to : 12 U.S.C. 1735f-7 Prohibition on Adjustable Rate Mortgage interest rate abuse and lack of consumer protections 12 U.S.C. 2607 RESPA prohibition on kickbacks and unearned fees 15 U.S.C. 1639 TILA provisions against predatory lending in high-cost mortgage transactions 18 U.S.C. 1001 Falsifying or concealing material facts in dealings with the U.S. government 18 U.S.C. 1014 Making false statements to financial institutions 12 C.F.R. 1026.17 & 1026.18 Failure to properly disclose terms and costs of consumer credit 15 U.S.C. 1681 et seq. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692 et seq. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1601 et seq. Truth in Lending Act ( TILA ) 12 U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) 18 U.S.C. 1341 Mail Fraud 18 U.S.C. 1343 Wire Fraud 18 U.S.C. 241 Conspiracy Against Rights 18 U.S.C. 242 Deprivation of Rights Under Color of Law 18 U.S.C. 1951 Extortion and Coercion UCC 1-308 Reservation of Rights Without Prejudice UCC 3-104 Negotiable Instruments UCC 3-305 Defenses and Claims in Recoupment UCC 3-419 Instruments Signed for Accommodation K.S.A. 50-623 through 50-644 Kansas Consumer Protection Act K.S.A. 9-2201 et seq. Kansas Mortgage Business Act K.S.A. 9-2208 Unlicensed Mortgage Origination/Servicing Kansas Common Law Fraud & Misrepresentation UPDATE AS OF XX/XX/XXXX Formal Complaint Regarding Unauthorized Sale/Transfer of Mortgage During Pending Court Action Case No. XXXX To ATTN : XXXX XXXX XXXX ( Private Legal Notice Enclosed ) Chief Financial Officer ( CFO ), Managing Director Officer We, XXXX XXXX XXXX and XXXX : XXXX XXXX the living man and woman and rightful parties of interest to the property located at XXXX XXXX XXXX, XXXX  XXXX XXXX Kansas XXXX XXXX XXXX ] XXXX submit this formal complaint to express our deep concern regarding the improper handling and apparent sale, transfer, or reassignment of our mortgage loan while an active legal matter is pending before the XXXX XXXX District Court. 

This matter is currently under judicial review in XXXX XXXX. XXXX, titled Petition to Repudiate and Rescind Mortgage Contract. The Petition was filed and served upon AmeriHome Mortgage Company , LLC and its counsel XXXX, XXXX, and to our knowledge, no final adjudication or order has yet been entered resolving the matter. 
Despite this ongoing litigation and the legal implications of such, it has come to our attention that the mortgage loan associated with our property may have been sold, transferred, reassigned, or otherwise encumbered during the pendency of the court action. If true, such actions are not only premature but may constitute a willful act of bad faith, an attempt to circumvent the jurisdiction of the court, and a direct violation of our rights under both state and federal law. 
We hereby demand the following : 1. A full accounting and disclosure of any and all transactions involving the transfer, reassignment, or sale of the mortgage loan since the date of court filing ; 2. Immediate cease and desist of any further actions concerning this loan until the court case is resolved ; 3. Written confirmation that no further transfers or encumbrances will occur during the legal proceedings ; 4. Contact information of any new party, servicer, or assignee if such transfer did occur, along with proof of authorization ; 5. Preservation of all related documents, correspondence, and electronic records as potential evidence in the ongoing court matter.

Company response to consumer: Closed with explanation