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American Home Mortgage Servicing / Fraud and cheating

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Contact information:
American Home Mortgage Servicing
Phone: 877-304-3100
Our October 1st mortgage payment was returned to our credit union citing that they were unable to locate the account. Now, they applied my September payment correctly and I had changed nothing on the payee set up as no changes were indicated on the monthly statement I received. So, I fumble through the website which has the same PO Box I sent the payment to on their 'Payment by Mail' information. I verify the account # which again nothing had changed from when they posted the payment in September.

On my online statement they have a PO Box in Jacksonville, FL (payment processing center is indicated in the address). So, I try again and have it sent there. They return it again. All anyone can tell me is that I have to write a letter and send it to the 'Customer Resolutions' department in Orange County, CA [protected]).

I did also send an email to them through their 'secure message center' online. At first the rep in India tried to tell me nothing was received. When I told him I had in my hand a copy of the email message sent from THEIR website and a copy of the confirmation email they sent for my inquiry, he quickly changed his tune to saying he could see the message but there was no response. Well, duh, that's what I already told him.

We never had problems with American Home Mortgage and payment application until it appears Option One has something to do with them.

Also, they denied our loan modification request because we don't make enough money. This company is a hack.


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N  27th of Mar, 2009 by 
Agree Disagree 0 Votes
I have no real idea where to start. Today my home was sold at auction without any notice to me.

Last fall, we were behind in our mortgage payment, and in order to save the home, we entered into a forbearance agreement and paid double our mortgage payment for a few months. In January our mortgage was sold to another company, American Home Mortgage Servicing. We received a letter from them telling us our first payment was due in March. We contacted both the new and old mortgage companies to confirm this information. The old company confirmed that we no longer owed them anything, and AHMSI told us our first payment was not due until March.

My husband called back on March 2 and was told our first payment to them was actually due March 21. He called them on the 20th, Friday, to make a payment, and was told the forbearance needed to be reworked with a different interest rate, and they would call us back with the new information and send us the papers to sign. They never did. At no time were we told that our house was in jeopardy, and we asked specifically about that. We received no letters or anything telling us this was going to happen.

Our home is actually currently on the market, and we had already accepted an offer. Our loan amount is under $400K. The offer we accepted is $735K. The house 2 doors down from us, same floor plan, but less upgrades and less property, just sold last month for $725K after less than 2 months on the market. Our house was sold at auction today for $575K and we were not warned AT ALL. We were shocked to come home today and find out from our realtor that our house has been sold out from under us.

We immediately called AHMSI, and they refuse to reverse this or work out anything-- and of course not: they have also let us know they get to keep the amount over our loan amount. They are using the confusion during the time of the loan changeover for their own gain, of between $150K and $200K!! My gosh, if we could even have THAT amount we could get a new home-- but as it is, we have lost everything. We have three children, two are very small (my girls are ages 15, 4, and 2) and we are now suddenly going to be homeless.

This mortgage company is completely unethical. What can we do? Do we have no recourse??

We listed this house, which is the house I grew up in, specifically so this would not happen. We were trying to sell it so we could move to a less expensive area. Now... I don't know what we will do. We have no down payment for a home now.
A  8th of Apr, 2009 by 
Agree Disagree 0 Votes
Yes, you do have recourse! However, you will have to contact a real estate attorney in your area right away to help you. Also the Attorney General of Your State needs to have a look into this matter. This is horrendous!
N  28th of Apr, 2009 by 
Agree Disagree 0 Votes
Contact info for person in United States not the India Line

Claudia Pesina
Payoff/Lien Release Supervisor
American Home Mortgage Servicing, Inc
4650 Regent Blvd. # 100
Irving, TX 75063
Direct line 214-260-8794
Fax 866-274-1503
N  13th of May, 2009 by 
Agree Disagree 0 Votes
Your best defense so far is to perform a mortgage audit.

They will get all the loan work for you and locate the fraud for a low cost. Then you will have all the paper work ready to present to a lawyer.

go to www.mortgagewars.com

Recommended first before hiring lawyer.
A  19th of May, 2009 by 
Agree Disagree 0 Votes
I have nightmares about American Home Mortgage. The worst company I have ever had to deal with. They haven't paid my taxes from August 2008 and the 2009 will soon be due. Money just sitting in escrow!!! I sent messages on secured message center it took three months for them to reply to my messages. In 2005 they double paid my taxes and then wanted to charge me a late fee every month because the escrow was short. They didn't have sense enough to figure out if they hadn't double paid my taxes it wouldn't be short. They are all Idiots.
A  12th of Jun, 2009 by 
Agree Disagree 0 Votes
Horrible Company! Our mortgage was given/sold to this company from Option One Mortgage. We were not given a chance to even try and find another mortgage company on our own, which is a whole nother can of worms. They have been horrible to say the least! The customer service people are all middle-easterners with heavy accents that you can barely understand anything their saying. You can't deal with anyone face to face which let's you know how trifling they really are. An escrow account was created for us and instead of going down, as we pay an additional $500/mth on our mortgage, it keeps going up. When you call them to ask questions they don't know what you're talking about and have to call you back, but never do. Please get the word out on this company to your friends, relatives, co-workers, babysitters, golf buddies, bridge partners and anyone else who will listen. Maybe they will get themselves a makeover!!!
A  30th of Jun, 2009 by 
Agree Disagree 0 Votes
I am having the same problems with AHMSI as everyone else who has commented on this site has had. Every time I call for an explanation, I receive a different response. It is clear that they are a fraudulent company an something needs to be done. I'm considering getting a real estate lawyer to deal with these people! I'm also wondering if they even have a copy of the original contract I had with Option One! Is there a class action suit that we can bring against them? Something is rotten in Denmark, or shall we say India!
D  4th of Oct, 2009 by 
Agree Disagree +1 Votes
Yes the hard part is dealing with dumb ### like Bob the Builder. I'm sure will all get a kick out of it when his day comes.
D  19th of Oct, 2009 by 
Agree Disagree 0 Votes
bob nice language first of all...You obviously have not had to deal with this company. If you had you would understand. Everything said on this website is true. A normal person paying their mortgage ON TIME cannot get this company to post their payments. They simply say " I don't know where your money is" and this is after my check has been cashed. Not sure why you even posted on here.
N  2nd of Nov, 2009 by 
Agree Disagree 0 Votes
Good for you Mr. SMUG- BobtheBuilder. As to when your day does come how do intend to explain your unemployment to your lender due this economic collapse. What will your recourse be.
N  17th of Nov, 2009 by 
Agree Disagree +1 Votes
Hey Bob, again your uneducated, Smug, and a pretender to know it all. I can think of hundreds of ways you'll soon be taken. How do like that state 10% tax increase dum ###. Don't forget because of all this you too have to pay back all that bail out money. But an idiot like you believes it went to a good cause. Wake Up!
N  28th of Dec, 2009 by 
Agree Disagree 0 Votes
Must be nice to be able to "go to Costa Rica" while not having a job.
N  3rd of Jan, 2010 by 
Agree Disagree +1 Votes
You bore me Bob. And your not worth the effort to comment on. You just want to spend your days picking fights on subjects you have no involvement in. If you looking for attention might I suggest you go back to your porn sites and pay another girl or guy to talk to.

AMHSI has already had their license in Calif. pulled by the Department of Corporations as of Feb. 09. I have now turned my loan over to the District Attorney to investigate.

The only reason I can think Bob the Builder is here is because he has something to do with these fraudulant loans. If so, too bad Bob. I already turned you in.
N  25th of Feb, 2010 by 
Agree Disagree 0 Votes
I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn’t go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks?

A lot have lost their homes, and lot more still will unless you do what’s necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred to Corey Lassiter of Clear Image Financial Group. They saved my home.

I know I would have lost it to Wachovia if it wasn’t for him, Tasha, Denise and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interested rate & payment, and secured me a 50k principle reduction.

Before anyone else on here loses their homes you need to give them a call 877-940-1477 ext 231. Corey Lassiter. Don’t be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes!

I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!)

So, I am making it my mission to spread the word on this GREAT company!
N  4th of Apr, 2010 by 
Agree Disagree +1 Votes
Okay Bob. Perhaps your not a broker/loan originator or a lender. But by now you should being seeing the light that happened all across the country. Have you not read Ed Andrews book "BUSTED". Have you not seen Micheal Moores "Capitalism". Here let me help you.






Sorry to ask you to read Bob




Let me know if you need more Bob. You can choose to be civil or you can choose to challenge.
N  1st of Aug, 2010 by 
Agree Disagree 0 Votes
Builder BOB?, what a joke this idiot thinks he know it all and everyone else is stupid. Maybe his satellite dish will send him some programming that will wake his [censor] up! LMAO, he thinks mortgage servicing is without flaw. What a [censor], we ALL know there are lenders out there that are going out of business because of legal issues.

Don't take this guy serious, I'm sure no one else does. The computer screen is his forum to voice his twisted opinions. He thinks he is safe from all financial problems.

What do you think would happen to him if his world collapse around him?...no more post!!!
I don't even want to think about what he would do. It would be a sad day for anyone who cares about him.
A  26th of Feb, 2011 by 
Agree Disagree 0 Votes
that guy sounds like an idiot bob cant build [censor] except enemies too bad for that [censor]
A  3rd of Jul, 2011 by 
Agree Disagree 0 Votes
We had the same problem 2 years ago ... started sending our payments back and then we found out the filed frocloser on us 1 year before that and didnt noitify us ... when we tried to work with them the dollar amount we owed would change to between the amount of the the 2 payments they sent back to about 7 thousand more and that could happen 3 times a day ... no one has an employee number and no extension number, you can never speak to the same person twice ... very frustrating... now we are renting for 1800 a month and we are tried to stuffing someones elses pocket . we want our own home again ... we need HELP !!!

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