Consumer complaint received 2024-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I applied for a hardship modification after I lost my job in XX/XX/XXXX. I was told over 4 months ago, I would get paperwork in the mail and in my portal to finalize my loan modification and adjustment. I haven't received anything. I have sent countless emailed about this, and spoken to someone twice in their mitigation department twice about this matter. Nothing has been mailed to me regarding this. 

I was also advised XXXX and XXXX mortgage was waived due to modifications. My new mortgage pay I ment was {$1600.00}. As long as I made XXXX, XXXX, and XX/XX/XXXX payments on time. My payments would remain the same. 
That was a lie. They said, I would reieve paperwork in the mail and portal to finalize my loan. That never happened. They advised me XXXX and XXXX XXXX payments were waived due to my financial hardship. I didn't have to make the payments. I advised them, I didn't have the money to make the payments at the time, due to being unemployed. I was scheduled to start a new job., however my start date was still a few weeks out. 

They can go back and listen to the recorded conversation with the represetative. 

However, they never made any of these corrections. They kept reporting me late to the credit bureau. Driving my score down over XXXX points for the past 3 plus months. They have just increased my mortgage again, and now claiming, I owe them over {$8000.00}. I have no idea why. These people, are trying to take my house form me. Thi is fraud. 

I shouldnt have. apast due balance for XXXX and XXXX of XXXX, if those payments were waived. I shouldnt have late fees. Why was my morgage raised to {$2200.00}. This makes absolutly no sense. 

Its showing a past due balance on my statement. They also reporting me as late to the credit bureau for being behind on my mortgage. This has caused my credit score to drop over XXXX points. 

I have reached out countless times, via phone and the portal, I have recieved no response. They have also made no efforts to correct this issue or this error. They have destroyed my credit in gthe process. This is not right. 

I have done everything ask. I have been making the mortgage payment for the new modification amount. Where is the paperwork, I was advised I would receive to finalize the modification? 

I would also like for my account to be updated and not show over {$8000.00} of past due babakce. I am not tbehind or late on my mortgage. I was advised I didn't need to make XXXX or XX/XX/XXXX payments, due to my financial hardships and being unemployed. You have continued to report me to the credit bureau without cause. 
This is not right. Go back and listen to the recorded conversation I had with the mitigation dept. That is the department who I spoke with. Thank you.

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