Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home 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: MI

Complaint narrative:
This complaint is an escalation and continuation of an existing CFPB complaint currently under review regarding AmeriHome Mortgage. Since filing, additional material issues have occurred, including inconsistent and conflicting application status updates, undisclosed foreclosure activity, and receipt of foreclosure notice while my application was represented as complete and in underwriting. CFPB Update Message : I am providing an update to document an ongoing pattern of inconsistent and contradictory communication from AmeriHome Mortgage regarding my loss mitigation application and foreclosure status. I had requested a pay-off statement from AmeriHome, it was tasked and I had made several follow up calls to check status and on everyone was advised it was being worked on and I would receive in XXXX business days. The task was closed out with no communication as that has to go through the foreclosure attorney but for over XXXX business days I was advised it was in works only for it to be closed out with XXXX explanation until I called. I was advised on XX/XX/XXXX, XXXX, and XXXX that my application was complete and moving to underwriting, yet on XX/XX/XXXX and again on XXXX I was told it was incomplete despite no new document requests. Why is there not a clear date when it was complete and why does it keep moving each time we call? Additionally when we would call the regular line we were advised it was not complete and they wanted additional documents until we had to get firm and advise them to reference the notes and also raise concerns about a pattern of not updating the system or our file properly despite many complaints and calls. Additionally, per the foreclosure attorney, a sale date was communicated to AmeriHome on XX/XX/XXXX. However, from XX/XX/XXXX through XXXX, I was repeatedly told no sale date existed. The system was not updated until XXXX, at which time I was told my file was in underwriting. On XXXX, I was explicitly told there was no sale date, yet I received foreclosure and notice of advertisement by mail on XXXX. On XXXX, I was also told by phone that foreclosure had been halted ; however, given the ongoing pattern of inconsistent and unreliable information, I can not rely on this statement without written confirmation. Throughout this process, I have repeatedly requested escalated call backs from supervisors or managers, which have been promised and documented in the account notes, but have not been fulfilled. This pattern raises serious concerns regarding misrepresentation of application status, inaccurate recordkeeping, and foreclosure activity progressing while my application was under review. This appears to be potential dual tracking under Regulation XX/XX/XXXX ( RESPA ). I am requesting written confirmation of my application status, foreclosure status ( including sale date ), confirmation that foreclosure activity is halted, and a clear explanation of these discrepancies. Additionally please find attachments of phone logs that show compliance and regular attempts to figure out where is needed and why, the XX/XX/XXXX letter asking for additional information that was a duplicative request and complied same day only to to have our application closed out while Simultaneously asking for additional documents ( XXXX XX/XX/XXXXafter we spoke on the phone ) and the foreclosure notice and advertisement notice which per the foreclosure attorney was updated and communicated on XX/XX/XXXX, not updated in the AmeriHome system till XXXX, after we had been in underwriting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation