Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding serious mortgage servicing and escrow administration issues involving AmeriSave Mortgage Corporation and its loan servicer XXXX XXXX. For more than three and a half years, I independently paid my property taxes and homeowners insurance directly and on time without any issues. Despite this, the mortgage servicer improperly established an escrow account on my loan and proceeded to make unauthorized disbursements for property taxes and insurance that had already been paid by me. As soon as I became aware of the issue, I immediately provided proof that the property taxes had already been paid. I also provided proof that my homeowners insurance policy with XXXX has remained continuously active and paid directly by me without lapse or delinquency. I have submitted this documentation multiple times through calls, emails, and written correspondence over several months. Despite receiving this documentation, the companies failed to correct the issue and instead created a negative escrow balance resulting entirely from their own unauthorized disbursements. They are now refusing to remove the escrow account unless I pay the negative balance they created. Additionally, my monthly mortgage payment has been significantly increased because of the improperly established escrow account. Most concerning, their system is currently preventing me from making my regular mortgage payment in the original amount agreed upon at closing unless I also pay the disputed escrow charges. This is causing financial hardship and stress for my family. I formally disputed this matter through a Notice of Error and Qualified Written Request under RESPA regarding the improper establishment of the escrow account and unauthorized escrow disbursements. However, the responses I have received continue to ignore the core issue and improperly place responsibility for the escrow shortage on me despite the fact that the shortage was created solely by the servicers actions. I am requesting CFPB assistance and investigation regarding the following issues : Improper establishment of an escrow account. Unauthorized escrow disbursements for taxes and insurance already paid. Improper creation of a negative escrow balance. Refusal to remove the escrow account unless I pay disputed charges. Improper increase of my monthly mortgage payment. Interference with my ability to make my contractual mortgage payment. Potential risk of improper late fees or negative credit reporting while the dispute remains unresolved. I am requesting the following resolution : 1. Immediate removal and closure of the improperly established escrow account. 2. Reversal of all unauthorized escrow disbursements and escrow-related charges. 3. Correction of the negative escrow balance created by the servicer. 4. Restoration of my original mortgage payment amount. 5. Written confirmation that no late fees, penalties, collection activity, or negative credit reporting will occur related to this dispute. 6. A full written explanation regarding why the escrow account was established despite taxes and insurance already being paid directly and on time. I have maintained my obligations responsibly and have acted promptly and in good faith throughout this matter. I respectfully request immediate review and assistance to prevent further financial harm.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation