Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: FL

Complaint narrative:
Thur XX/XX/XXXX : Found out my routing number had been changed. Called AmeriNat twice, was told about my account and told they did not need my permission to acquire my loan. 

They did call before, but they only tried to sell me products and never actually told me that my mortgage company had been changed. I dismissed their calls as spam. 
XXXX, XX/XX/XXXX : Called AmeriNat 6 times, was told I was not allowed into my account because of missed payments They do not care that I had autopay, had paid every bill, and had plenty of money in my account. 

XXXX said I have to pay by money order or wire, depending on who I talked to. I received multiple addresses to send the money to : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX Too many addresses, so I decided to send a wire. I am also working out of town in a small city ; I may not have been able to send a money order.

Called AmeriNat again ; the person did not want to send wire instructions and said they could not give out their routing number, even though I told them I needed it for a wire transfer. They then hung up.

Called again ; AmeriNat told me I should never assume mail ever comes from scammers and if anyone asks for money or information, I should just assume it is correct and give them whatever they want. 
Called again ; once again, they would not send instructions or routing number. They would never give me the number. I told them that it is public information ; routing numbers are not some secret a bank can't give out. I was told just to XXXX it then. 
Called again asking for help filling out the wire form about the beneficiary ; I didn't know what to put there. They said to put my name ; still would not give me the routing number. I asked if I could access my account since all the information I needed could be found on my account, including the routing number. AmeriNat would not let me into the account as there is an option to pay for my bill if I had access, and they don't want me to pay with my account, so access could not be granted. 

With all my options exhausted, I just XXXX  the routing number. My bank, XXXX, routing number comes up online ; it also did when I was with XXXX  XXXX XXXX, so I did not see it as an issue but would have rather got it from my AmeriNat account or from customer support, but they made it clear it would not be given. 
I would find out ten days later when AmeriNat 's routing number is XXXX, XXXX gives incorrect information because AmeriNat won't make their routing number accessible online, but XXXX gives a number stating it is AmeriNat 's routing number. 

I looked up what to put for the beneficiary ; XXXX XXXX said who is receiving, in this case AmeriNat, not my name as the AmeriNat representative told me. 

Monday, XX/XX/XXXX : Called AmeriNat 5 times ; XXXX of them lost during the automated phone system. Asked them if they got my wire ; they informed me to wait. 

Called again, mostly complaining about how they ruined my credit and why they are making it so difficult for someone to pay they want money from. I am rude ; they are rude and act like gangsters. The basic idea is they can take my house, so I have to do whatever they want however they want. 

Called AmeriNat 3 times ; XXXX lost in messaging system. 

Thur, XX/XX/XXXX : AmeriNat finally sent wiring instructions with the routing number in an email, a little too late.

Got a call from AmeriNat. 
Asked if they got my wire ; they told me they had a wire for around {$3500.00}, asking if it was mine. I said no ; I sent {$4000.00}. I was told to keep waiting for my wire to come. They asked for a wire confirmation ; I sent it ; I was told to keep waiting. 

XXXX, XX/XX/XXXX : I received this message : Hello XXXX XXXX, We are in receipt of your confirmation # attached from XXXX. I will advise payment processing of this information and follow up. Please let me know if you need anything further. Thank you, I thought they finally had my wire and it was all over ; I was wrong. 

Tuesday, XX/XX/XXXX : Was asked for detailed wire information, so I called my bank, got it, and sent it. 

Wed, XX/XX/XXXX : AmeriNat finally tells me I should recall the money ; this is way late, and my chances of getting the money back are poor. 

All in all all I want is to be able to pay my bill and set up autopay I am reliant on autopay when I look though my checking acount i do not look to see if things have been paid I have plenty of money in there. I have only mortgage and XXXX cable on autopay I pay all other bills about a year in advance. I only check for unathorized transactions and investigate if I see XXXX. In this case if they kept my autopay I would have seen that checked into this would have likley been resolved without me ever calling them or missing any payment. Amerinat. 

Amerinats letters i only saw recently only state i owe them money with no clarification as to why or rhat they are my mortgage company. A company i dont do bussiness with asking for money i put in spam pile which is what rhey are 99 % of the time. 

Amerinat also called they said hello im XXXX ( or other name ) said they were with AmeriNat then procceded like they were trying to sell me somerhing instead of just simply telling me they were my new mortgage company that would have at least got me to check into it. They kept calling saying similar things i just ignored all thier calls eventually as spam callers.

Company response to consumer: Closed with explanation