Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
XXXXTo Whom It May ConcernXXXXXXXXI am submitting this complaint to report issues I recently discovered involving my home mortgage and possible title theft. I was not aware of the following information until now, and it appears that a refinance may have occurred on my property without my knowledge or authorizationXXXXIn addition, I have uncovered further evidence suggesting possible mortgage and auto insurance fraud involving XXXX  and XXXX. I believe these matters may involve deceptive or fraudulent practices that require investigation.XXXXI respectfully request that the CFPB review my case and provide guidance on the next steps for resolving this matter. I am prepared to provide documentation and evidence to support my claims.XXXXThank you for your time and attentionXXXX XXXXNew evidence is below:XXXXBegin forwarded message:XXXX XXXX XXXX XXXXSubject: Re: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have crossed out XXXX  name from the Closing Instructions (page 1), the Mortgage (page 8), the Mortgage Signature field (page 20) and the Patriot Act Borrower ID (page 26)XXXXI believe that if this new document (see attached) is acceptable to you, it will be acceptable for us to sign.  Please advise.\XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXFrom: XXXX XXXXXXXX XXXXTo: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: XXXX Closing Appointment - Loan No XXXXXXXXHello XXXX XXXX XXXXOnce you speak with your attorney and are ready to set up a time to sign please let us know the date time and location and well secure a notary attorney for youXXXX XXXXThank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn Thu, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:XXXXXXXXBegin forwarded message:\XXXX XXXX XXXX XXXXSubject: Re: XXXX XXXXDate: XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXXReply-To: XXXX XXXX XXXXThat is fine.  Thank you for reviewing it.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: RE: XXXX XXXXHi XXXX XXXXIt turns out that title did come out to your house on the XXXX  for signing. We talked to them and were able to get the XXXX fee down to XXXX  for you. XXXXPlease let me know if this is ok to proceed with.XXXX XXXXThanks,XXXX XXXX XXXX XXXX XXXXThank You for choosing XXXX XXXX"Our mission is to provide the lowest cost, most convenient mortgage in America ."XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXXSubject: Re: XXXX XXXXXXXX XXXX XXXXI do not believe I authorized the notary to come out to our house. There certainly were some discussions but I feel this XXXX is not my responsibility, but am willing to discuss it further.XXXX XXXXHere is the last email I have on this:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail: XXXXFrom: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXXSubject: RE: XXXX  Closing Appointment - Loan No XXXX XXXX XXXXI am not sure where XXXX  and XXXX XXXX come into play here, but the fees cannot be low balled or switched right before closing anymore. The third page of the ECS shows what was disclosed to you on the GFE and what is actually on the hud. some of the fee/charges can change and that is just determined by when you sign during the month and what your payoff is. As far as the terminology on what forms you are required to sign, the deed or deed of trust, and the mortgage are the same thing. The last time you refinanced on this property you signed the mortgage/deed of trust. You are being asked to sign these forms because you are on the title to the property, when you acquired the property you were put on the deed(different from the deed of trust/mortgage) that transferred the property to you and your husband, and that gives you ownership to the property. Because of that you are signing these forms just to say that you are aware of that new mortgage being put on your property. When it comes time to sign anywhere it says that you are a borrower you can cross it off and initial it, and on the mortgage under your signature you can write that you are signing to release your homestead rights only. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom: XXXX XXXXXXXX XXXXTo: XXXX XXXX XXXXSent: TuesdayXXXX XXXX XXXX XXXX XXXX XXXXSubject: XXXX XXXX XXXXHi XXXX XXXXI submitted your file back in our docs department but just got informed that since the notary had already previously come out to your house for signing, were going to have to repay them to come out again. I contacted the title and since Massachusetts is an Attorney State its going to cost XXXXXXXX. I wanted to get confirmation and approval from you that we go ahead and redisclose the XXXX  and add it to your HUD. XXXXPlease contact me if you have any further questions.XXXX XXXXThanksXXXX XXXXXXXX XXXX XXXX XXXXThank You for choosing XXXX XXXXOur mission is to provide the lowest cost, most convenient mortgage in America ."XXXXBegin forwarded message:XXXXFromXXXX XXXX XXXX XXXXSubject: Appraisal Report\nDate: XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXXI have attached a copy of your appraisal for your records.  If you are unable to open the attachment, please email or call me and I will send out a hard copy in the mail.XXXXThank you for choosing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBegin forwarded messageXXXXFrom: XXXX XXXX XXXXSubject: RE: XXXX  Closing Appointment - Loan No XXXX XXXXDate: XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXXWe received the emails for both wires. I will let you know if they have any issues retrieving the funds. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail: XXXXFrom: XXXX XXXX [mailto:XXXX] \nSent: Monday, XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXXSubject: Re: AimLoan Closing Appointment - Loan No XXXX XXXX XXXXHello XXXX XXXXWe just completed the closing and I am wiring the funds, but my bank only allows XXXX  per day to transfer.  So I plan to wire a second payment for the balance - XXXX in the morning, but they may make me wait until later in the day so it can go the following day.XXXX XXXXPlease check your emails and tell me if  you not did receive an email from my bank XXXX XXXX.  There are some instructions you need to follow to receive the wire transfer.  Like I said, initially XXXX is being sent, followed by the balance no mare than one day later.XXXX XXXXPlease advise if this will create any problems.XXXX XXXXnSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom: XXXX XXXX XXXXSubject: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXX XXXX XXXX  cell phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom: XXXX XXXXSubject: XXXX  Mortgage Closing Documents Delivered\nDate: XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXXReply-To: XXXXTo ensure delivery to your inbox, please add XXXX to your address book.XXXXMortgage Loan UpdateXXXXView Accounts | Privacy Promise | Contact Us\nOnline Security Guarantee XXXX XXXX XXXXDear XXXX XXXXThank you for choosing XXXX  for your mortgage loan for XXXX XXXX XXXX. We sent your closing documents to the settlement agent on XXXX, and we are working with them to finalize your closing costs.XXXXWe will contact you once we have received the final closing costs. You can view estimated closing costs on your Mortgage Application Status page on usaa.com now. Please remember this is only an estimate, and the amount will change.XXXXWe value your business and the opportunity to serve all your financial needs. XXXXView Estimated Closing CostsXXXXThank youXXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease do not reply to this e-mail. To send a secure message to XXXX please contact usXXXXPrivacy PromiseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is an equal housing lenderXXXX XXXXBegin forwarded messageXXXX XXXXFrom: XXXX XXXX XXXX XXXXSent: XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXX XXXX XXXXSubject: RE: HUD statement\n\nCopy of HUD1 attached.  Let me know if you need anything else.XXXX XXXXThanksXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: FW: HUD statementXXXX  Can you scan the HUD and email it to her? XXXXFrom: XXXX XXXX XXXX XXXXSent: Friday, XXXX XXXX XXXX XXXX XXXXTo: XXXXSubject: HUD statementXXXX XXXX XXXXGood morning.  Hope that you are having a nice summerXXXX XXXXDo you happen to have a copy of the document below?  My accountant needs this to complete our tax return for XXXX XXXXBest regards,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom: XXXX XXXX XXXX XXXXSent: Thursday, XXXX XXXX XXXX XXXX XXXXTo: XXXX XXXX XXXX XXXX XXXXSubject: Re: Taxes for XXXX Larry, as discussed..XXXX XXXX XXXX XXXXI just checked the mail you sent me. I need the HUD Statement ( its the two long papers which you got then you closed the house) It has the lawyers fees and points you paid on it. XXXX XXXXThank you, XXXX XXXX XXXX XXXX XXXXImportant Notice to Recipients:XXXX XXXXThe sender of this e-mail is an employee of XXXX XXXX XXXX XXXX XXXX. If you have received this communication in error, please destroy all electronic and paper copies and notify the sender immediately. Erroneous transmission is not intended to waive confidentiality or privilege.  XXXX XXXX XXXX XXXX reserves the right, to the extent permitted under applicable law, to monitor electronic communications. This message is subject to terms available at the following link: XXXX  If you cannot access this link, please notify us by reply message and we will send the contents to you.  By messaging with XXXX XXXX XXXX XXXX  you consent to the foregoing.'

Company response to consumer: Closed with explanation