Mortgage -- Trouble during payment process -- Complaint #18727780
Complaint Overview
Complaint ID: 18727780
Company: Amerihome Mortgage Company, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan
State: Illinois
ZIP Code: 620XX
Date Received: 2025-11-06T12:00:00-05:00
Date Sent to Company: 2026-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding repeated mortgage servicer changes and ongoing servicing failures by companies under the same corporate umbrella, which have caused confusion, stress, and risk of misapplied payments. Timeline of Events : XX/XX/year> : Contacted XXXX XXXX to report unemployment ; arranged forbearance. XX/XX/year> : Servicer transferred to XXXX ; payments remained {$0.00}. Despite this, I received calls and letters demanding the account be brought current. XX/XX/year> : Letter claimed {$9000.00} due after forbearance ended ; a call clarified payments were under 3-month forbearance, but calls/letters continued. XX/XX/year> : Informed servicer that employment would resume on XX/XX/XXXX ; payments to resume in XXXX. XX/XX/year> : XXXX stated servicer would change back to XXXX XXXX effective XX/XX/XXXX. Documentation to underwriting was not submitted until XX/XX/XXXX, causing no resolution for XXXX payment. Delays worsened by reliance on third-party info their own related company. XX/XX/year> : Letter stated monthly payment change from {$1800.00} to {$1700.00} due to escrow, even though no payment required during forbearance. XX/XX/year> : Trial plan letter received ; agreed to {$1400.00} payments to test modification readiness. XX/XX/year> : Letter stated payments would now be {$1700.00} due to escrow. Problems : Multiple servicer changes required setting up new accounts and signing new documents each time. Companies under the same corporate umbrella fail to communicate internally, causing conflicting instructions, delays, and confusion. Phone calls confirm repeated errors ; I have a detailed log including dates, times, representatives, and outcomes. Risk of misapplied payments or credit reporting errors due to inconsistent instructions. Preferred contact method : email only, due to difficulty documenting phone calls.
Frequently Asked Questions
What is Complaint #18727780 about?
Complaint #18727780 was filed against Amerihome Mortgage Company, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-06T12:00:00-05:00.
How did Amerihome Mortgage Company, LLC 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 Amerihome Mortgage Company, LLC?
Yes, visit the Amerihome Mortgage Company, LLC company profile at readthecomplaint.com/company/amerihome-mortgage-company-llc 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.