Complain about a product or service

American Home Mortgage

Liz of North Richland Hills, TX August 22, 2009

Our loan was sold by Citi Residential to AHMSI in Mar 09. On June 1st our introduction to AHMSI's bad customer service started. We went to pay the remainder of our taxes and they had paid them 1 day before. We call and they say they did this because we did not pay our taxes and they were protecting themselves. We understood and told them we would immediately pay them back. They said that is fine but because of this your loan is being reviewed to be put into an escrow account.

Well we pay them all of the amount they paid by the end of June and call and request the escrow account not to take place because we received a letter saying our note would change by over 500.00 because of the now shortage in the escrow account and remaining payments for the year but not til August. This would remain for the life of the loan. The representative said to send a letter telling them we cannot afford the payment and won't to remain in a no escrow account. Explain to them how we got to the point of not having all our taxes paid off and how we just became customers. The guy said they would not want us to not afford our home.

Well I sent the letter in and within 30 days I got a letter back saying a lot of things that did not make sense like, you are in bankruptcy (which we weren't) and other things that did not apply to us. I call again and they say well it was reviewed and you were denied and that is the amount of your new payment starting 8/1 and there is nothing you can do. I request a supervisor and he says nothing can be done and we should have paid our taxes on time. I explained we can't afford that and they said well as of 8/1 you need 2204.76 in your escrow account and then your payment will drop to 1105.06. The taxes due as of 12/1 are 2939.65 and you have nothing in your account so we have to collect it.

They further explain that the shortage payment will be 248.94 for the next 12 months and the escrow payment will be 244.97 for the remainder of the year. I asked what would happen 1/1 they said a new escrow amount begins so needless to say I would be paying the new escrow amount 2010 taxes and still paying the shortage amount for 09 taxes, so my payment will go even higher. He then suggest I extend it over 36 months. I asked are they crazy to do this to people.

It was explained to me if I pay the shortage amount my payment would drop to the principal/interest plus the escrow payment. They tell the amount to pay would be around 1710.00. Well I understood that and this was just given to me two weeks ago when I made my full August payment.

Well I call back yesterday to pay the shortage amount and get a lady I can't hardly understand and she seemed to not understood what I was explaining to her and I requested a supervisor because the just of what I could understand was now they were saying my shortage was 1959.76.

I then speak with Billy the supervisor who tried to talk to me like I had no sense. I explain the amounts I was given prior and he says well they wrong and I am looking at the numbers now and you can pay the 1710.85 but you are going to still be short. He said over and over again that it is 1959.76 but he kept changing figures when he was talking to me and talking about the amount we paid in June for remainder 08 taxes. I would repeat what he said and he would say that is not what I said. He also said he could not take payment over the phone without charge 16.95 for Western Union and I advised him I did a check by phone two weeks ago. He said that is only on mortage payments. What!!!

Long story short Billy did not add this right. If the quoted taxes are 2939.65/12 = 244.97 (escrow payment) x 8 (Jan 09-Aug 09) = 1959.76 - 248.94 (first payment of shortage) = 1710.82 (new shortage amount as of last payment. Now I get, why don't they. I have decided to wait until my 09 taxes come out and that will tell me what I really owe. I will not pay them 1 red cent over what they are to be paid because they already said if it is a low amount we will just leave it in your escrow account as a positive. I will pray every night for a new mortage company to buy our loan quickly.

Tina of Jim Thorpe, PA August 27, 2009

We have been behind on our mortgage over the last few months due to our employment situation. However, we have been making payments, and when we do so we include the late fees with them. In any given week I get various statements from this company with different owing amounts on them. Example, I have a statement dated 8/16/09 which states I owe 1,996.61 and a statement dated 8/17/09 which states I owe 2,844.40 (after our payment of 1,000.00 credited on 8/17/09).

When I called the company today 8/27/09 and spoke with a representative I was told by the first person that I owed 431.05. When I asked to speak to a supervisor regarding my conclicting two statements I was hung up on. I then called back and got the automative system which indicated that I owed 1,183.33. In addition, when I accessed my acount via the internet there are charges of 752 (which are unemplained charges and not reflected on our statement).

After being frustrated for a couple of hours I finally called the "loan department" of this company and asked to be referred to a supervisor. I was finally connected with a man named "George" who looked at my account and could not give me answer as to what I owed as of this date either. He said he would have to research it and get back to me.

I know I owe for August and the late fee for August, however, I do not owe any other fees. I cannot believe that someone cannot give me a straight answer as to how much I owe on any given day on this mortgage. This company continues to cause me frustrated and stress on a day to day basis with their phone calls and their ineptness.

Lillie of Los Angeles, CA August 22, 2009

my account went to forecloser for #14.00 i have been trying to resolve this problem for the four months in 2008 after then my husband and could take no more that we filied for bk-chapter-13 but while in the chapter my husband lost his job which took us futher behind that my lawer had to file fot APO which took place in Apirl 2009 to pay 4,000.00 for the next 5 months AHMS over look the oder and stated foreclose and sold the trust to Well Fargo, then my attorney called to see with happen they stated it was their fault and clear the problem we all thought and re-did other APO for july 2009 for us to pay 2180.43 on the 7/1 and 3766.44 on 7/15/09 then pay 3766.44

i been sending and payments at a total of 9,00.00 only 2,300.00 was sent back stating it was in repo. as of today we are still fighting and we have a vacated notice from the sheriff which was filed 6/29/09. we have 3 days as of 7/23/09 no one can tell us were our money is they said they did not know anything about my bk attorney and this is other attorney from other office thats some where else.not the one my attorney been talking to!

diane of cortlandt manor , NY August 18, 2009

back on june 22, 2009 my husband & i recieved a letter from American Home Mortgage Servicing Inc. (AHMSI)claiming that we were be hind on our mortgage & we could not understand how. I called AHMSI to find out what was going on especially since my payment was alway at least 12.00 more a month. It was not much but I always rounded off to the nearest 100. I was informed that my monthly payment was increased because they did not find my credit rateing sufice.

I told them that they can not do that because I have a fixed rate not an ajustable aside from the fact that I signed my mortgage w/ Option one not them so there is no agreement between AHMSI& myself. I also told them when they bought mort. that they also bought the terms & conditions that came w/ my mort. from Option one, that I nor my husband SIGNED ANYTHING agreeing that they can run my credit @ anytime & if they find it unacceptable they can increase my monthly payment & we will be willing to pay more.

when all this ws metioned that the reason my & my husband's credit was starting to drop due to my husbad had a heart attack & was fired for it & when he found another job our income was drastically different, they said well you have to pay it. How am I suppose to pay it if i'm haveing trouble paying everything now but I am paying & almost always ontime.

How can I afford to pay more now? Well according to them just do a quick sale on the house move into an appartment. That's not possible rents are higher then my mort. Well then just let the house go into fourcloser.I couldn't believe my ears. Then I tried to get the name & # of the predient of the corp. they told me they can not do that. after fighting for awhile they finally gave me a name David F I asked for a address & # & they told me the info (above in contact) they said there is no direct # or address. I sent him a letter back in July & still have not heard anything. By the way they also told me that they have no more money & that they are no longer lenders @ this time they are just a debt collectors.

Diane of Royse City, TX August 11, 2009

AHMSI bought out my loan from Citi Residential Mortgage at the beginning of 2008 and every since then I have had nothing but problems. I have been trying to pay extra payments every month and I send separate checks with the words PRINCIPAL ONLY or ESCROW ONLY and they still post it incorrectly. According to my online account they have charged me twice for the taxes. I got a letter from the county saying that my taxes had not been paid. I faxed the letter to AHMSI and that is when they charged my acct the second time for the taxes.

It has been months and they still do not have an answer for me and cannot tell me where my 1572.35 is or when I can get it back. I am at my witts end with this company. I ask them to take my taxes out of escrow and they told me that they could not do that, because the loan was set up that way and it would be there for the life of the loan.

Everytime you call you get some [rep] on the phone who usually cannot even speak english which infuriates me even more. I have ask them where their home office is because I want to come in and talk with someone. They have told me that they do not have one. I think this company is a scam and I did not ask them to take over my loan. Please help.

zippy of santa fe springs, CA August 7, 2009

they misplaced my funds for a total of 18,000 ,and foreclosed and sold my house after 8 months they found it now what ? i have had 2 unlawful detainear against me and cost me 10,000 i am broke now. ever since they took over my account it has been a living h!!!! its a worst nightmare that anyone could have i just want out of this service can someone do a class action

jean of sonoma, CA July 31, 2009

Please Help Me. I have made multiple attempts to contact AHMSI to resolve the following disputes with no success as documetne4d by: June and July 2009, I left multiple voice mails on AHMSI Resolution Dept 214-, called 877- customer service multiple times who states they are transferring my calls and disconnects the line, and I have multiple confirmed faxed letters to 866-.

Two complaints that need immediate resolution: #1. Theft and fraudulent acts by AHMSI. From 07/01/2008 to 07/01/2009, AHMSI doubled my mortgage escrow on loan (from 117 a month to 234) without providing any communication or written notice as to why they were increasing the escrow amount. After on e year of multiple phone calls and letters to AHMSI they notified me in June 2009, they made a correction to this error and sent me a reimbursement check for 214.20, and would change my escrow amount back to its original 117.00 per month. AHMSI still owes me a reimbursement of 1,287 not 214.00 and I have repeatedly requested them to send this amount and correct my mortgage invoice statement with no success.

#2. Fraudlant and incorrect reporting. AHMSI reported me as delinquent for my June Mortgage to all Credit Agencies. I notified HMSI in June (in writing, phone and fax) that my correct escrow is 117 and my monthly principal balance is 364 making my monthly mortgage payment 477.01 as per their written May notification to me and this is the amount I paid. In mid June AHMSI representatives called me stating my mortgage payment of 477 was insufficient, and I needed to continue to pay the "incorrect and additonal" escrow amount of 234.

I notified the AHMSI customer representative that they were incorrect referred them to the escrow notification they sent correcting this and to please update their records. They threatened to report me to the credit agencies so I paid this "incorrect and additional" escrow amount overpaying my June Mortgage. I sent the additional escrow amount with my July Mortgage which they approved, but they reported me as delinquent anyway.

I am a long time customer in good standing with AHMSI and I realize mistakes happen, however, I was told by the AHMSI customer service representative these issues could be easily resolved by contacting the Resolution Department which I have been trying to do for well over one month. I have not been repaid for the additional escrow I was charged and I have been erroneously reported as delinquent to the credit reporting agencies. This has resulted in financial burden and my being denied a home loan because of the erroneous credit report.

I would very much appreciate your attention in helping me resolve these complaints and getting AHMSI to stop over charging my escrow and have them repair my credit report. AHMSI has not acted in good faith to avoid or mitigate these violations, or to correct the violations after it became apparent. They are fraudulent and I believe their violations are willful or intentional. AHMSI still owes me a reimbursement of 1,287 and I have repeatedly requested them to send this amount and correct my mortgage invoice statement with no success.

Kirsten of Eagleville, PA July 31, 2009

My situation began in November of 2008 and still has not been resolved. I have 2 mortgages with this company (back from when it was a regular mortgage company, not a debt servicing company). In November of 2008, they STOLE our November mortgage payment for my second property which I own with my sister. They began the harrassment December 1st of 2008 over non-payment from November.

I have repeatedly faxed over statements, canceled checks, etc.to their "Customer Resolution Department" (what a joke) proving the payment was made and still no one knows what is going on nor do they care to resolve the issue. My sister is on the loan as well and called their customer service department, but they would not speak to her since she was not a "primary" on the loan.

I had to explain the situation to 20 different customer service people since they continued to call, and each time no one knew what I was talking about. They just kept saying I owed them a payment. I sent them fax after fax with no response. I spoke with supervisors (who were of no assistance either), and who would not give you THEIR direct phone number to call them back because of course, they never followed up with me. I could also not get a phone number for anyone in the US to speak with.

FINALLY, after getting a lawyer involved, and sending NUMEROUS times the same documentation- and still sending by the way, they stated that they were in error and had applied my 2nd home's Novemebr mortgage payment to my first home's mortgage. This was just an outright lie. There was never an extra payment made to my 1st home mortgage, as the loan activity statements online AND the statements THEY sent to us in the mail indicated. They just outright lied. My attorney has been trying to resolve this for months now (and even he still can't get them to do anything).

I continue to get harrasing phone calls from their so called "customer service center" (where they "stand beside us"). The woman whom my attorney is dealing with is either an idiot or very conniving. She calls him when she KNOWS he is not in the office (7:30PM EST), since they are 2 hours behind and says she is sorry for not calling, but quote "She is very BUSY during the day". Unbelievable. They have sent me numerous foreclosure notices, the latest being the serious "we are going to put your house up for sheriff's sale".

We are now down to a situation where if this is not resolved, we will be filing suit, and many of you should do the same. At the very least, we are going to file suit to recover the attorney's fees. It is insane that a company can get away with this in this day and age. At this point it is the principal of it. I will NOT pay what I have already paid. They think if they just continue with their non-responsiveness, non-resolution attitude, that people will just give up and pay. Please, DON'T give up!

They also pulled the same deal when one year they said we "overpaid" on our escrow and sent us a check, and then the next year we were "under" and they tacked on additional escrow each month. Then back to this year, when again, they sent us a check saying we overpaid into our escrow.

Hope of Adamstown, PA July 30, 2009

When I purchased my house I was lied to by MY broker. He told me it was a fixed rate for 3 years at a really low rate of 4% then after 3 years it would jump to a fixed rate of whatever the going rate would be for the rest of the loan. He told us it was a special loan for people with a high credit score; I had no reason to question our broker did I?

Well when we got the coupon book we saw payment options and called AHM and they told us that they were giving us the choice to pay the fixed low rate of 4% for the 3 years, second choice was to pay the next price to have the loan paid off early and the last choice was the price to pay it off in 15 years. LIED! We of course took the 4% payments and after 2 plus years we got a letter stating we owed over 15% above our loan amount and we now had a loan of 167,000 on a house purchased for 155,000.

To make ends meet my husband's father moved in and paid us 1000 a month. We also started to foster children; we have 5 kids in a 2 bedroom house. A few months ago I called to modify my loan because our foster children will be leaving the house and we can't afford the payments. I was told we pre-qualified for the modification. I got the paper work together and FAXED it for 25 to the company. The next month my husband's father passed away and we lost his 1000 a month.

I never heard back from AMH so I called them and they told me I was denied for the modification because I am NOT behind on payments and the lender ONLY modifies those who are behind in payments. On top of that the first year we lived here they sent us a check for a few hundred dollars stating we over paid our taxes and it was a refund. Well, last year they added over 150 a month to my payments stating we were SHORT on our taxes and owed them the money. I also requested online in June (20th) for my loan documents so I can have a lawyer check them over and they said it would take 10 business days.

Two weeks ago (I am writing this July 30th) I called and asked where the documents are and they insisted they sent them. They stated they put in another request for them and guess what NO DOCUMENTS! I don't have to money to pay for my loan and bills, but somehow I have to find money to pay a lawyer to help us out so my kids don't have to feel the hardship of having to leave the house they were told would always be their home.

Mike of Manchester NH, NH July 27, 2009

Mortgage obtain through Option One Now with Wells Fargo. Serviced by AMHSI. Payments not applied to account, secondary account opened to conceil payments April and May. June and July returned exccesive escrow far exceeding amount allowed under sections 6,9,and 10 of RESPA. Misrepresentation, fraud and wilfully misleading Wells fargo and reporting no payments were made since March 2009. They are attempting to foreclose and cant seem to give us an amount owed to reinstate account. Lying to New Hampshire State Banking Commission. We have cancelled checks for April and May but they still claim we never made the payment.

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