Mortgage -- Trouble during payment process -- Complaint #6377082
Complaint Overview
Complaint ID: 6377082
Company: American Financial Network INC.
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 33570
Date Received: 2022-12-29T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Back in XXXX of XXXX, I applied for the Florida state Homeowner Assistsnce Fund ( HAF ) to help me be able to make my mortgage payments. I called my mortgage lender in XX/XX/2022 to request a Covid forebearance and they applied the forebearance to my account. HAF approved to pay my mortgage for the next 18 months starting in XX/XX/2022. HAF has sent checks directly to the morgage lender American Financial Network and their subsidiary XXXX. Checks were mailed to the address on my mortgage statement which is the one I make payments to usually. American Financial Network or AFN and XXXX have not been able to locate or apply thise checks to my account. They accept HAF payments but are not taking the necessary urgent steps to ensure that my checks are located and posted. Since XX/XX/2022 until now I have made so many phone calls and spent at least 20 hours on the phone and I got absolutely no resolution. I was told every excuse as to why the checks have not been posted. Things such as that they are backed up, or that I havent sent the document to the right email even though I sent to all the emails that they told me to send to. They tried to blame me and say that I did not send the email showing the letter from HAF when I have proof I have been sending the same letter since XXXX and they finally acknowledged and posted the letter in late XXXX. There is no sense of urgency and I dont know what else to do anymore. I called yesterday and was told that HAF needs to contact them directly. I called HAF multiple times and they told me over and over that there is never a need for them to contact the lender because all necessary documentation have been provided to me and I uploaded thise documents to XXXX or AFN. HAF told me they have never experienced such issues with any other mortgage lender and they can not understand why AFN or XXXX are refusing to post and locate those checks. I looked ar XXXX consumer reviews and they were frightening. I read a lot of the same issues and complaints that I am dealing with. That is why I am reaching out to you to please help ensure that they do what is right. It is beyond frustrating knowing that my approved funds have been sitting there untouched when they should be applied to my account. This is my life and home in the balance and they told me this was not an urgent matter.
Frequently Asked Questions
What is Complaint #6377082 about?
Complaint #6377082 was filed against American Financial Network INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-12-29T12:00:00-05:00.
How did American Financial Network INC. 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 American Financial Network INC.?
Yes, visit the American Financial Network INC. company profile at readthecomplaint.com/company/american-financial-network-inc 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.