Mortgage -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5585369
Complaint Overview
Complaint ID: 5585369
Company: Amerihome Mortgage Company, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: California
ZIP Code: 902XX
Date Received: 2022-05-20T12:00:00-05:00
Date Sent to Company: 2022-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : Currently Amerihome is reporting a XXXX day late in XX/XX/XXXX to my credit history. This late marking is a byproduct of my XX/XX/XXXX payment posting late. Please note XXXX payment was not late due to negligence or lack of funds. The late occurred because I contracted XXXX in late XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for all of XX/XX/XXXX and was unable to pay all my bills. Once I returned home in XXXX of XXXX, I immediately paid all my bills and alerted them regarding my inconvenience. Amerihome Mortgage is the only creditor that is choosing not to acknowledge my hardship during this time and remove the negative reporting to my credit profile. I am forwarding the statements from my hospital visit that I sent to Amerihome to prove that I was incapacitated an unable to pay my bill. Amerihome has failed to acknowledge these documents in the 3 attempts I have shared them and because of that has failed to consider removing the XXXX day late from my credit profile, even though I have given them everything they needed to be in line with XXXX federally mandated " Cares Act! '' What good is the cares act if nobody cares? Please help me to get back to my life as I am desperate to have my credit restored and return to my business endeavors in the way I am accustomed. Thank you in advance for taking the time to review my letter and I look forward to hearing from you. Please let me know when my request has been met. I can be reached at XXXX. Sincerely, XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #5585369 about?
Complaint #5585369 was filed against Amerihome Mortgage Company, LLC regarding Mortgage specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-05-20T12:00:00-05:00.
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.