Consumer complaint received 2026-02-09 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: GA

Complaint narrative:
Complainant : XXXX XXXX Loan Number : XXXX Mortgage Servicer : AmeriHome Mortgage Company , LLC Formal Complaint and Request for CFPB Enforcement Review I submit this complaint to request CFPB review, supervisory scrutiny, and enforcement consideration regarding AmeriHome Mortgage Company, LLCs ongoing violations of federal mortgage servicing law. AmeriHomes conduct reflects a pattern of systemic disorganization, failure to maintain accurate records, failure to respond to formal requests, and ongoing borrower harassment, despite repeated written notices and regulatory complaints. This matter involves not only unauthorized property inspections, but also material servicing errors, repeated misrepresentations, and AmeriHomes refusal to produce recordings and documentation that are required to substantiate its claims.

Failure to Maintain Accurate Records and Produce Requested Documentation On multiple occasions, AmeriHome employees affirmatively representedvia recorded telephone calls, online communications, emails, and notarized borrower assistance packagesthat a specific individual was not a borrower on my loan. These representations were made consistently over time and across departments. 
Relying on these representations, I proceeded accordingly. AmeriHome later attempted to retroactively label these repeated confirmations as a mistake.

Since that time, I have repeatedly and formally requested the following : Transcripts and/or recordings of all calls in which AmeriHome employees stated that the individual in question was not on the loan Copies of written and electronic communications reflecting the same representations Copies of notarized borrower assistance packages sent in XXXX  that listed only one borrower A written explanation from AmeriHome Legal explaining : How multiple employees across multiple departments provided the same incorrect information Why those representations were inaccurate How such errors were permitted to persist What corrective actions, if any, have been implemented AmeriHome has failed to produce a single requested recording, transcript, or coherent explanation.

Instead, AmeriHome has repeatedly characterized my requests as duplicative, without reconciling conflicting records, addressing reliance, or explaining how erroneous information was disseminated and relied upon.

Servicing Disorganization and Non-Responsiveness AmeriHomes responses demonstrate internal disorganization and a lack of reasonable servicing controls, including : Contradictory borrower records Conflicting written responses to regulatory complaints Failure to locate or produce recorded calls Failure to explain canceled and reissued notarized packages Failure to respond substantively to direct, written requests Repeated boilerplate replies that do not address the issues raised At no point has AmeriHome provided a complete, organized, or transparent response addressing the substance of these concerns. This pattern strongly suggests deficient recordkeeping and inadequate servicing procedures, not a one-time error. 

Unauthorized Property Inspections and Harassment In addition to the above, AmeriHome has continued a pattern of unauthorized property inspections : Multiple inspections occurred throughout XXXX, including physical approaches to my home On XX/XX/XXXXXXXX, AmeriHome stated in writing that all future inspections would be drive-by only On XX/XX/XXXX, I issued a formal cease-and-desist demanding cancellation of all inspection assignments Despite this, on or about XX/XX/XXXX, an individual again approached my home, took photographs, and left a notice on my door AmeriHome has never produced inspection logs, vendor authorizations, or proof that inspections were canceled, further underscoring systemic disorganization and disregard for borrower directives. 

Statutory and Regulatory Violations AmeriHomes conduct constitutes violations of federal law, including : RESPA 12 U.S.C. 2605 2605 ( e ) : Failure to adequately investigate and respond to borrower notices of error 2605 ( k ) ( 1 ) ( C ) : Failure to take timely corrective action 2605 ( k ) ( 1 ) ( E ) : Failure to comply with CFPB servicing regulations Regulation X 12 C.F.R. Part 1024 1024.35 : Failure to correct servicing errors 1024.38 ( a ) : Failure to maintain reasonable policies and procedures to ensure accurate information, proper record retention, and timely responses Dodd-Frank Act UDAAP ( 12 U.S.C. 5531, 5536 ) AmeriHome has engaged in unfair and abusive acts or practices by : Disseminating inaccurate borrower information Failing to maintain or produce required records Ignoring repeated written requests for clarification and documentation Continuing intrusive property inspections after written limitations and a cease-and-desist This conduct causes substantial injury, is not reasonably avoidable, and confers no countervailing benefit to the consumer. 

Relief Requested I respectfully request that the CFPB require AmeriHome Mortgage Company , LLC to : Immediately cease all physical property inspections and visits Provide written confirmation that all inspection assignments have been permanently canceled Produce all requested call recordings, transcripts, and borrower communications Provide a written explanation from AmeriHome Legal addressing how the borrower misrepresentations occurred Conduct and document a corrective compliance review of its servicing practices Conclusion AmeriHomes conduct reflects persistent servicing disorganization, inadequate recordkeeping, and disregard for borrower rights and federal law. CFPB intervention is necessary to prevent continued harm and compel compliance. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation