Mortgage -- Trouble during payment process -- Complaint #4569688
Complaint Overview
Complaint ID: 4569688
Company: Amerihome Mortgage Company, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: California
ZIP Code: 94901
Date Received: 2021-07-23T12:00:00-05:00
Date Sent to Company: 2021-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
AmeriHome Mortgage Company began servicing my loan XX/XX/XXXX, and for the most part have handled it OK. All of that changed starting XX/XX/XXXX as I sought to refinance my loan with a company called Total Quality Lending ( TQL ) XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX XXXX CA XXXX Although I did sign a disclosure that allowed TQL to order documents for the express purpose of managing my refi loan, I expected they would act diligently, with proper judgement at no cost to me, unless permitted otherwise. Low and behold, I was shocked to learn that AmeriHome had issued payoff statements to TQL 9 times over a 5 month period -- yes, I said 9! I later learned that AmeriHome charged me {$60.00} for each payoff statement, the maximum they are apparently allowed under Nevada law. At no time did AmeriHome consider that their customer -- me, would be highly concerned about these charges. Further, they never contacted me to let me know what was going on. I could have tolerated XXXX or XXXX charges, but XXXX is an egregious abuse of the fiduciary relationship that I entrusted them with. Sure, TQL could also have informed me of the continued charges racking up on my account, but their agent woefully didn't know any better, or was outright negligent! Never did he mention any fees for Payoff statements. Despite my efforts, TQL would not accept any responsibility for the charges totalling {$540.00} ( {$60.00} x 9 ), stating that AmeriHome was the entity that assessed me for each payoff statement and I would have to work with them for restitution. I wrote several letters to AmeriHome which I've uploaded to your site, requesting that at least 7 of the charges be waived and was promptly denied. Please safeguard account numbers and other personal info contained in them, as you've indicated in your directions. I also spoke to at least 10 different Customer Service reps and got the same response. Bottomline -- AmeriHome 's reckless actions, while complicit with TQL, caused me financial harm and emotional stress through this ordeal. I am asking CFPB to intercede on my behalf. Thank you in advance for your support! -- XXXX XXXX
Frequently Asked Questions
What is Complaint #4569688 about?
Complaint #4569688 was filed against Amerihome Mortgage Company, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-07-23T12:00:00-05:00.
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.