Mortgage -- Trouble during payment process -- Complaint #4552685
Complaint Overview
Complaint ID: 4552685
Company: Ameris Bancorp
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: South Carolina
ZIP Code: 29210
Date Received: 2021-07-18T12:00:00-05:00
Date Sent to Company: 2021-07-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For the last 4 Months, my Monthly payments have went from {$780.00} to {$1200.00} this has caused a hardship and a struggle to keep up and prevent from getting behind in my payments. I have reached out to my loan servicer on several occasions only to be bullied into paying without any suggestions or help or any available solutions Although I have a signed contract with a fixed rate loan, my payments exceeded {$400.00} over my contract amount. We are currently in a pandemic were hourly salaries are impacted from week to week based on consumer buying habits. There is currently a moratorium on mortgages through the Federal Govt yet Ameris Bank has engaged in price gouging and very slow relief efforts. I applied for the lower tax rate of 4 % with my local county Assessor 's office which took 10 weeks to go through the review and approval process. Although my loan servicer knew an approval would mean a reduction in taxes owed I was told that I had to continue to pay the overage until they received the information and proof. They have received this information yet when you call them they continually have an excuse as to why my mortgage payments have not been returned to normal, They have no urgency in trying to help me except to bully you by saying you must pay the overage until the issue is resolved. {$400.00} is a large amount of money, money that can be going toward other obligations to keep those bills from going past due!
Frequently Asked Questions
What is Complaint #4552685 about?
Complaint #4552685 was filed against Ameris Bancorp regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-07-18T12:00:00-05:00.
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.