Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Kansas [ XXXX ] XX/XX/XXXX TO : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Bureau of Investigation ( FBI ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX U.S. Department of HUD FHA Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX COMPLAINT FRAUDULENT MORTGAGE REPORTING, HARASSMENT, AND VIOLATION OF RIGHTS UNDER FEDERAL AND STATE LAW To Whom It May Concern : I, XXXX XXXX XXXX issue this formal complaint , legal notice, and demand for investigation regarding alleged mortgage fraud, Securities Fraud, unlawful credit reporting, identity misuse, false collection attempts, and continued harassment by entities including XXXX XXXX XXXX XXXX ID XXXX, XXXX Mortgage XXXX XXXX XXXX ID XXXX, and XXXX XXXX XXXX ID XXXX. 
XXXX XX/XX/XXXX, I signed documents at Secured XXXX Title, under the belief that I was entering into a valid mortgage contract with XXXX XXXX XXXX XXXX The agent present was XXXX XXXX XXXX KS License ID, and the agreement was paid in full within XXXX weeks. Upon contacting XXXX XXXXXXXX XXXX, I was informed that I never had an account with them. Shortly after, I was contacted by XXXXXXXX XXXX  XXXX XXXX, claiming to be the originator, despite all paperwork showing XXXX XXXX XXXX. My investigation confirmed that XXXX XXXX XXXX mortgage program did not launch until XX/XX/XXXX, which is nearly a month after the signing. This proves the transaction was fraudulent and executed under false pretense. 
Later, AmeriHome Mortgage claimed servicing rights. I lawfully submitted : An Accepted for Value letter to XXXX XXXX XXXX XXXX XXXX IRS Form 56 ( Notice of Fiduciary Relationship ) IRS Form 2848 ( Revocation of Power of Attorney ) A formal Revocation of Contract, Constructive Notice Cash Collateral Deposit Account to Satisfy Mortgage Loan, Qualified Written Request, Instead of resolving the issue, AmeriHome Mortgage canceled my insurance policy, began foreclosure threats, along with XXXX XXXX and allowed individuals to visit my private home with unsolicited offers. This created severe emotional distress, especially for my autistic son, who has been traumatized by this unlawful pressure and fear. 
Most notably, I personally contacted FHA, XXXX XXXX and XXXX XXXX. All three confirmed that no mortgage loan exists under my name. This confirms the debt being pursued is entirely fraudulent, unregistered, and unenforceable under law. 
I hereby demand the following : 1. Immediate removal and suppression of all mortgage-related credit entries tied to this incident.

2. A federal and state-level investigation into the entities involved in this fraudulent activity.

3. Immediate cessation of foreclosure, harassment, and misrepresentation.

4. A complete written record of the actions taken to investigate and resolve this matter. 

STATUTES, CODES & LAWS APPLICABLE TO THIS COMPLAINT U.S. Code ( USC ) Federal Statutes 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 Uniform Commercial Code ( UCC ) 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX et seq. 
Kansas Real Estate License Law Violations K.A.R. 86-3-31 Unlicensed Mortgage Origination/Servicing K.S.A. 9-2208 Civil Fraud & Misrepresentation Laws under Kansas common law CONCLUSION : You are now on legal and administrative notice. Continued inaction, negligence, or fraudulent enforcement of this false claim may result in civil and criminal liability, including formal complaints to the Attorney General, federal civil courts, and regulatory authorities. 
I reserve all rights, remedies, and protections under law. 
Sincerely, XXXX XXXX XXXX Without Prejudice, UCC 1-308 Beneficiary / Agent in Fact c/o XXXX XXXX XXXX XXXX XXXX, Kansas [ XXXX ]

Company response to consumer: Closed with explanation