Mortgage -- Struggling to pay mortgage -- Complaint #11509169
Complaint Overview
Complaint ID: 11509169
Company: Ameris Bancorp
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Foreclosure
State: Florida
ZIP Code: 344XX
Date Received: 2025-01-13T12:00:00-05:00
Date Sent to Company: 2025-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Loan number : XXXX I am writing to address a series of concerns regarding the foreclosure process initiated by Ameris Bank on my property and the subsequent actions taken, which I believe were both premature and unjustified. These actions have had a significant adverse impact on my financial stability and ability to manage the property. Background and Impact 1. Adverse Credit Reporting : The continuous false reporting by Ameris regarding another account negatively impacted my creditworthiness, limiting my access to credit and completely paralyzing my real estate business. As a direct result, I faced difficulties in maintaining monthly payments on the property. 2. Tenant Notification and Early Vacating : Before I was served with foreclosure paperwork, an Ameris representative visited the property and informed the tenant that the property was in foreclosure, urging them to vacate. This premature notification led the tenant to begin moving out, significantly affecting my ability to maintain payments on the property. 3. Access to Property : On XX/XX/XXXX, while the tenant was in the process of moving out and the utilities were still active for my walkthrough, Ameris changed the locks and restricted my access to the property. This occurred before I was formally summoned, violating my right to manage and access my property. o Signs were posted stating, " The property has been winterized by XXXXXXXX XXXX on XX/XX/XXXX. '' o My attorney made several attempts to contact Ameris to resolve the matter and regain access, but weeks went by without a response. 4. Forced Action to Regain Access : Due to the lack of response from Ameris, I was forced to hire a handyman to regain access to the property and change the locks back. This situation further delayed my plans to complete repairs and list the property for sale. 5. Miscommunication in Correspondence : Despite my history of receiving communications at my assigned personal property address, Ameris sent critical foreclosure-related correspondence to the rental property address, further complicating the situation.
Frequently Asked Questions
What is Complaint #11509169 about?
Complaint #11509169 was filed against Ameris Bancorp regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-01-13T12:00:00-05:00.
How did Ameris Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Ameris Bancorp?
Yes, visit the Ameris Bancorp company profile at readthecomplaint.com/company/ameris-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.