Last Friday called AHMSI and got Mrs.Potter and told me that not to call anymore that she told me to call every 2 weeks like I did
She told forget it and she will forecloues right now and to not bother them anymore. They can not even help us i asked her what is our bank that holds the loan and she could give that information out. It So I found Wells Fargo line I put Wells Fargo in the computer and came AHMSI So she lied to me I want to do something because this is a threath to
Contact Eckley & Associates for possible Legal law suit if you reside in AZ. (You might even if you are not in AZ too.) Call to see if you can participate.
3602 E. Campbell Ave
I have been modifying my loan with ahmsi since October 2008!. I have a signed contract and they are still trying to forclose on my house;. They have tried to make me start over 3-4 times now|. do not do it if you have a contract with out getting with a lawyer first/. It is a legal document if it is signed by them".
Also report any issues with the Attorney general of your state, federal trade commision, and the bbb.
We have been trying to work something with AHMSI for over a year now but seem to get denied every time but before we even know we are denied I get a new modification packet in the mail?! We have filled out this Hamp packet several times and have gotten as many reasons for denial. I feel like they are not really interested in doing modifications. Has anyone actually received a loan mod from AHMSI and been successful in the trial payments and getting your load permanently modified? We have a lot of money tied up in our house and do not owe more then its worth by any means. It seems it should be easy to allow a loan mod for us to keep our home of 18 years. I feel scammed and like there really isn't going to be modification they just want to dump all the properties and cash out.
ahmsi is full of ### and all they do is call you a 100 times a day so you feel bad !!! they dont give a crap how they make you feel as long as they tell you they dont care and there not going to help after they have mailed out papers to us about 30 40 50 times back and forth thats 30, 000 dollars they have made off of us so that should make up for something ??? no they keep making money and we dont get anything just a big kick out on the streets ! with are family and animals ! what and where do we go now ? help someone before its to late !!! thanks kim
Texas AG Greg Abbott filed a permanent injunction on AHMSI last year! Go to the TX AG's page and you can print out a copy! Ive been fighting them in Bryan after they refused to accept payment back on November of '09 and then filed for foreclosure. The judge here has been very fair with me and while I still haven't been able to make a payment, I am still in my home. They'll get it over my cold dead body! They are not a mortgage company but Deutsche Bank, who bought the loan a few months ago sent a lawyer to court ordered mediation and then stood in front of the judge and lied to him that AHMSI has the power to modify the loan. Same thing happened with me. I have sent 9 out of 12 identical packets to them then they said they needed more info. They sent the same *** packet every time though. I hope this helps some of you as it has me! My advice...go to every court date and tell the judge what they did. I have and so far it is working. I found this AG injunction Monday which accuses them of everything they did to us n more! God bless US All! Obama...go to ***! Your changes have only made things worse!
AHMSI is the 4th in a long list of servicer groups who really don't give a damn about the note holder. It started with Ameriquest Mortgage and their promise to give us a free refinance in 2 years if we made all our payments on time and the ARM changed to a fixed rate around 4 percent. This was called their credit builder program. The document had a 3 year pre-pay penalty which now makes the offer fraud. Ameriquest Mortgage then went out of residential mortgage business and sold their interests to AMC the AMC LLC then they sold their interests to Citi Residential Lending which is another group of financial ### then on to Citi Group and then quickly over to AHMSI which is (and I couldn't believe it could get worse) the worst of the worst. They have you call Pune India and give your information over and over again, they ask for documents over and over again until it becomes overwhelming. They ruin your family life, rob the goodness from family life and take the joy out of living once you really know what evil is. The lies they tell are beyond understanding. They lead you on with the hope that someone is on the other end that can be reasoned with and you find out there really is no one there that gives a damn nor every will give a damn about you, your family or your situation. You have irritated the TRUST whoever that is and they won't tell you who owns your debt nor will they ever listen to you personally about your problem. We have been fighting 5 servicer groups since 2007 and it is wearing us down. You take a mortgage out in this country, you are lied to at the closing, Ameriquest Mortgage is fined for predatory lending violations but your mortgage and responsibilities to it are still legally actionable documents. The system in this country has gone to HELL and the Senate Bill in Hawaii # 651 is our only way to fight back. Help support this bill in every state in the union to force servicer groups from treating Americans like dirt. Someday it could be your family or your children's family facing these rats so act now and push for SB 651 from Hawaii to be a part of your legislation now. If you’re from Arizona I wish you well with Senator's like Reagan and House Rep Seel who think that the deal they received was good enough to sell the good people of Arizona down the river. I hope their home falls down around their cheating heads.
My husband and I had identical problems stemming for 2 years. WE SUED AHMSI AND WON... First you need to lodge a complaint in DETAIL to your state attorney general, this will force ahmsi to answer the government in writing... it is very detailed. ahmsi doesn't want to answer these lengthy questions. Next.. hire a consumer advocate attorney, they will be the only ones that can help you. ( trust me three lawyers threw their hands up in disgust that this company is so arrogant.) Lodge complaints to every federal, state and local agency which pertains to mortgage fraud ( including the FBI ). Michigan just ruled on fraudlent mortgages if they had electronic signatures ( linda green ) they cannot foreclose on you with this signature. The Linda Green signature is in every state as vice president. Good luck to all... been there, done that and we got our t-shirts
I am over 65 and have had Dallas County Deferred Property Tax since 2005.
DCAD has reported my taxes delinquent for a second time, this time to AHMSI.
My previous mortgage company obtained a refund from DCAD and even apologized for the inconvenience that it caused.
AHMSI recently bought my mortgage. I had no choice in the matter. I wouldn't have chosen them as my mortgage company to begin with. So guess what they did?
Yep, they paid the taxes AGAIN, in spite of have the deferral affadavit on file. Now they are demanding payment in full or they will foreclose.
DCAD has agreed to refund three years and application for the remainder must be requested again. The time this is taking is giving AHMSI the time they need to play dirty. They have refused to credit my regular mortgage payments, stating the amount is not correct and they do not accept partial payments and that I need to pay the increased demanded amount and they will report my account as past due to the credit bureau's. I have never been late on my mortgage payments and am not now.
Today, I received a letter from AHMSI's henchfirm, Moss Codillis, LLP, threatening foreclosure. Phone calls tell me they are requesting refunds from DCAD, but in the meantime I have to pay the increased payment from $857.69 to $2319.43 a month.
I cannot pay a payment that high! My fixed income isn't that much per month. I have called and faxed to no avail.
This company is engaging in organized crime. They are preying on elderly/disabled homeowners by paying the deferred property taxes that DCAD reports to mortgage companies as delinquent, and then demanding payment from the homeowners. Most cannot afford the lump sum or increase in payments, and they know it!
Texas law allows deferrment of property taxes for over 65/disabled homeowners until they sell, move out, or die!
Yes, let's sue them in a class action lawsuit. I'm in! I am also going to contact DADS. the Dept for Aging and Disabled Services. Don't know if that will help, but I'm gonna try.
I have filed a complaint with the Texas Atty. General's office, but don't hold out much hope for that getting anywhere, as AHMSI's response was a bunch of legaleese crap. Basically, buying them more time to proceed.
I don't know what else to do. I feel totally helpless to be able to stop this company from raping and pillaging my home and life!
What can all of us do to make this company's management responsible and pay for what they are doing? You cannot tell me this is just "policy" and cannot be helped. There is always someone where the buck stops.
David Friedman is the CEO. Perhaps he needs to be sued personally in addition to shutting down this company and making them give back all the money and property they are stealing.
Where is justice these days?
AHMSI foreclosed on my father in laws house on Feb 10, 2010 even after they told me there was no trustee sale...
The servicing of my loan was transferred from TBW to AHMSI. I am a manager of a mortgage company and I have never seen such an unorganized, uncaring, unprofessional company. My current problem is that AHMSI has put mortgage insurance on my property. I sent them a letter, along with an appraisal perfromed when my loan was with TBW and my monthly mortgage statements from TBW showing I had mortgage insurance before the appraisal and I did not have mortgage insurance after the appraisal as the appraised value was high enough to warrant the removal of the MI. I also sent a letter to the Virginia State Corporation Commission, hoping they had regulation authority over AHMSI. My letters complained about AHMSI not paying my real estate taxes, not paying my homeowners insurance and charging me for private mortgage insurance when I had years ago paid for an appraisal and had the mortgage insurance dropped by the lender who originated my loan. AHSMI responded to the State Corporation and lied about paying my real estate taxes (they are yet to be paid as of 1/29), placing forced homeowners insurance on me and adding private mortgage insurance to my escrows. Ms. Baxter wrote back and said my loan-to-value was too high, which it wasn;t after the appraisal and she did not mention even seeing the appraisal or seeing the TBW statements showing that the private mortgage insurance was dropped long before they took over the loan.They have increased my monthly payments while they were guessing on what they were doing with the escrows on my loan and have yet to get my escrow account straight and drop the PMI. If anyone knows who I can contact to bring this to the media's attention and to get this resolved and who a regulatory body might be for this company please let me know. They ignore phone calls and faxes, the only response I could get acknowledging my concerns/complaints was when I wrote to SCC and then they lied and still did not carefully investigate my claim.
The scam stops here! We are blowing the whistle! We have recently went through the remodification proce...
This is a guide:
All plaintiff should write to their State Attorney General with a copy of this article, asking him or her to do the same as the one in Ohio.
Ohio AG, AHMSI Trade Lawsuits
Ohio AG, AHMSI Trade Lawsuits in News > Mortgage Servicing By MortgageOrb.com on
Friday 06 November 2009
Ohio Attorney General Richard Cordray and American Home Mortgage Servicing Inc. (AHMSI) have filed lawsuits against each other.
Cordray's suit against the Coppell, Texas-headquartered servicer alleges numerous violations of the Ohio Consumer Sales Practices Act, including "incompetent and inadequate" customer service, failure to respond to requests for assistance, and unfair and deceptive loan modification terms, among other violations.
AHMSI's suit disputes those claims.
"The acts of some mortgage servicers have gone beyond the point of being negligent - they have become predatory financial practices, and in Ohio, they won’t be tolerated, ” says Cordray, who filed the suit in the Cuyahoga County Common Pleas Court.
According to Cordray, AHMSI required loan modification agreements that forced consumers to pay excessive fees and waive their rights in order to get help. The suit also alleges that the terms of loan modifications were unconscionably one-sided in favor of AHMSI.
The lawsuit seeks a permanent injunction from the continuation of unfair and deceptive loan modification practices, consumer restitution, civil penalties and damages. It also requests that the court order AHMSI to implement processes designed to provide efficient, competent and adequate customer service to all of its Ohio mortgage customers.
This is the second time Cordray has sued a servicer in recent months. In July, he sued Carrington Mortgage Services LLC, similarly claiming unfair and deceptive loan modifications. That case is currently in litigation in the Franklin County Court of Common Pleas. As of Sept. 30, Carrington implemented a voluntary 60-day moratorium on home foreclosures.
AHMSI received a letter from Cordray last week alerting the company of the attorney general’s intention to sue AHMSI for unfair servicing practices. According to the company’s executive vice president and chief legal office, Jordan Dorchuck, AHSMI offered to meet with representatives from Cordray’s office in an attempt to resolve the alleged violations, but Cordray’s office refused to discuss its allegations prior to filing suit.
“Although we respect the attorney general’s commitment to serve the people of Ohio, we are convinced that these allegations are entirely without merit, and intend to defend ourselves vigorously against them, ” Dorchuck says.
Dorchuck says AHSMI was dismayed to receive Cordray’s letter, citing positive feedback from Ohio borrowers and nonprofit agencies regarding the company’s homeownership preservation efforts.
“Rather than wait to be named as a defendant in a suit that AHMSI considers to be rash and without merit, we elected to petition an Ohio state court for a declaration that AHMSI’s servicing practices are fully compliant with Ohio law, ” Dorchuck adds.
AHSMI, which was founded in April 2008, services some 500, 000 Alt-A and nonprime loans. The company did not originate any of the loans.
In a statement, the company also pointed to the loss mitigation actions it has taken on Ohio loans in recent months. Since October 2008, more than 2, 200 AHMSI borrowers have entered into modifications that fall outside the federal Home Affordable Modification Program (HAMP). An additional 173 customers are currently proceeding under HAMP trial modifications.
AHMSI’s non-HAMP modifications for the year ended Sept. 30 show that 74.8% of AHMSI borrowers with modified loans are performing after six months, compared with an industry average of 60%.
Cordray has also warned consumers to watch for certain red flags when entering into loan modifications, including agreements that include such words as “borrower has no right of set-off or counterclaim” or “no defense related to the loan or the property.”
SOURCES: Office of Ohio Attorney General Richard Cordray, AHMSI
This is the most inept company I have ever dealt with. I have tried to make my mortgage payments on time every month using on line banking, over the phone direct withdrawal, and check. When a file is out on someone's desk they can't seem to accept payment and want to pile on late charges that are unmerited. The people who answer the phone are very polite..they are in India, I believe, but they don't communicate with each other, they will not call if they think there is a problem and if you can get a written response from them, no one signs the letter with name or title.
They are impossible to deal with. I wonder what they are like if someone does have a problem meeting mortgage payments since they can't handle on time payments.
Amhi is the worst mortgage company you could ever get involved with.They have no legitimate us #.When you call the number you are given you can only talk to phone reps from India.They lie and ever time you call it is different notes on your file.They are rude and give you false information. Ahmsi sent us a making home affordable package that had a return envelope that stated exactly to mail it to Irving texas.I mailed the package to Irvine, it has been 2 weeks and they swear they haven't received it .I live no further than maybe 40 miles from the Irvine texas address, now they are telling me I should have faxed the paper work.These people are not in the business of helping people keep their homes they are in the business of taking advantage of clients until the point of foreclosure.I warn anyone who is thinking of a loan with this nasty, very unamerican company to rethink or even bail before it is too late.
It happened again this month!! Sending payments to this company is very frightening to say the least. Each month I send my payments like this: 2 CERTIFIED CHECKS, PUT ACCOUNT NUMBERS ON THE CHECKS, ATTACH APPROPRIATE COUPONS, OVERNIGHT PAYMENT TO: AHMSI 4600 RETENT BLVD, SUITE 200, IRVING, TX [protected], ATTN: PAYMENT PROCESSING. They always credit one payment but never the other payment, THE LARGER PAYMENT. Then, each month they call me, every day. I am so tired of repeating the same information to these idiots. They talk so nasty to me as tho I'm dirt. ALL of my payments are made and I have proof of each. I fax all my copies to their Cashier's Dept but for what!! I never get a response and they never seem to think it's important to let the customer know that they are researching it. Who is running that accounting department? Sadam Hussane???? I'm so angry and frustrated, isn't there anyone that can give me good, solid advice on how to handle this problem? Email me if you know of someone. [protected]@dominionautogroup.com or [protected]@gmail.com
FTC FTC FTC FTC FTC...EVERYONE MUST FILE COMPLAINTS!! They will only take notice if everyone that has major problems with AHMSI will file a complaint.
I'm about to file a lawsuit for "Mental Distress" against they ###. We work so hard for our American Dream, make our payments...ON TIME, and they lose our payments, report it to the credit bureau, make it EXTREMELY difficult to speak to someone that actually speaks English for one and knows what the hell they are talking about for second. I can't function since they've invaded our lives!!!
The Media needs to take hold of this as a great human interest story of the American Dream, being stolen from us!!! Hate is a strong and ugly word but I can't help but to HATE this company and what they've done to our credit ratings and lives!!!
Isn't there anyone out here that knows a powerful person in our great government offices that will lend an ear to his fellow Americans and give us some hope of "ousting" AHMSI?? I'm hoping to get that email or letter telling me we are all going to fight AHMSI and here's what we're gonna do! I'm in for the ride 100 %.
Entered into a loan modification with AHMSI. Everything was hunky dory then 4 months into making my payments on time I recieved a notice that my payment would double due to a "escrow shortage". I checked my sched. A from my modifcation and found that an "escrow shortage" was part of what was capitalized during the modification process. I have called India and gotten the 'read the prompter card over and over' routine. Then I got to their office in Texas and got a "so sorry but can't help you but I can repeat over and over what you already have been told and no I can't explain why there is a shortage or why it was taken care of in you modification but I can be very polite while I do so" bit. I did find a fax number on a mortgage forum and one on this forum as well and have faxed a letter to both but as of today, June 16, Nada, Nuthin, zip. Is there any government agency out there that can help us. Can we put our tax dollars to work. Oh, btw, I have been making my old payment. They have been applying it to a 'suspense' account. Whatever that is. Heelllllppp!!!
ON 6/2 AHMSI FAILED TO PROVIDE MY $2, 750 FOR MY CASH FOR KEYS. I RENTED A HOME AND 1 1/2 MONTH LATER THE HOME WENT INTO FORECLOSURE. WE GOT EVICTION PAPERS AND THEN A COMPANY NAMED REALITY WORLD OFFERED A LIL AMOUNT AND THEN WE GOT A BETTER OFFER SO WE ACCEPTED. ALL OUR BELONGING WENT INTO STORAGE BECAUSE WE HAD TO WAIT FOR THE CASH TO GET A NEW HOME SO ON 6/2 WE MOVED EVERYTHING INTO STORAGE AND CALLED REALITY WORLD TO SEE WHAT TIME THEY WERE COMING OUT AND WE WERE TOLD NO CHECK TILL 6/10. I HAD TO SIGN A CONTRACT BUT NOBODY SEEMS TO CARE THAT MY FAMILY SPENT ALOT OF MONEY TO PUT OUR BELONGINGS IN STORAGE AND THAT NOW WE LIVE IN A HOME FULL OF BUGS AND NO BEDS, DISHES FRIDGE, AND WE SLEEP ON TILE FLOOR. MY 6YR OLD HAS ASTHMA AND A COUGH AND DOUBLE EAR INFECTION AND WE ALL HAVE ACHING BODIES FROM SLEEPING ON THE FLOOR. NOT TO MENTION THAT THE HOME IS "HAUNTED". I HAVE MADE SEVERAL CALLS AND TO SUCESS. IF I HAD TO SIGN LEGAL PAPERS THEN THE MORTGAGE CO. OR WELLS FARGO SHOULD BE COMPENSATING MY FAMILY FOR OUR TROUBLES I TOLD THEM I WAS GOING TO THE PRESS AND THE NEW WITH MY STORY BUT IT WENT ON DEAF EARS.
My story all begins about 5 months ago when AHMSI had, in ERROR, issued an escrow for insurance on my loan (which 2 Customer Service Reps even admitted to) thus increasing my monthly payment by almost $200. I refused to pay it since I already had home owners insurance so I just continued to pay my usual monthly P&I amount. The CSR told me that an insurance escrow is placed on accounts that have either a lapse in insurance or discontinuation. There has NEVER been a lapse in nor a discontinuation of insurance EVER on my home. However, AHMSI issued an unnecessary, unwarranted insurance escrow on my account. Proof of insurance has been provided March 2009 from Liberty Mutual to AHMSI’s insurance dept. Once it was provided I was told the previous months insurance charge would be dropped. AHMSI’s insurance department have acknowledged receiving documentation as well as confirmed the fact that I have continuously maintained the same insurance for 7 years. I was instructed by a CSR to fax in a document stating I wanted the escrow canceled which I had done so on numerous occasions. However, AHMSI states they cannot discontinue the escrow until I have paid for the amount being billed for the insurance that was never needed in the first place. I find this to be a complete scam on AHMSI’s part. I have an impeccable credit score, I have always paid on time and because of their scamming ways (not allowing me to cancel the insurance escrow without paying for something that wasn't even needed in the first place) they are threatening me with a bankruptcy petition as well as reporting me to the credit agencies.
When I began doing some research about this company, I found numerous complaints... http://www.consumeraffairs.com/finance/american_home_mortgage.html
cases even worse than mine and oddly enough we were all former Chase customers. I'm trying to make sense of it all. They call my house and my cell everyday stalking payment for the insurance. Last week I spoke to a CSR (1 of the many) and I explained my story and say it was their error and that he was trying to resolve it but to give him a week. I stayed on the phone while he contacted his insurance dept to verify after he spoke to them he admitted error on their part and apologized profusely. Then I read online other people's stories were very similar to mine - "spoke to a CSR, trying to resolve, said it'd be about a week" and nothing was resolved. I am currently still in that "wait a week for something to be resolved" period. I hit the Better Business Bureau website and this company have received an "F" - amazing. What's more amazing is that no one is doing anything to stop this company. Innocent people are becoming victims of their scams... here's the link I read about them on consumer affairs. It's almost criminal what they are doing. I think someone needs to blow the lid off this company.
I think it's important to get the word out there about them. I have spent 4 solid months of phone calls, letters, faxes etc trying to resolve this issue. It's been exhausting, emotional and ulcer inducing.
A class action lawsuit is definitely in order for these clowns!!!
It's nice that we have a site to complain about this incidious company, AHMSI, but does this get us anywhere? Since our mortage was "kidnapped" by this company our lives have been a living hell. We mail, overnight and send payments to this place each month and they lose our payments! THEN they make you wait over a month before they even attempt to look for it. Now, we've copied, faxed, called this place over and over and they treat us like ###! They won't help you and in the mean time THEY ruin our credit standing! Well, guess who will have to get it all straight with the credit bureau WHEN and IF they locate our payments...that's right, WE WILL. This is my suggestion as I'm about to have a nervous breakdown. This has not only happened once but twice! I even have proof of these payments!! File a complaint with the Federal Trade Commission, you can do this online. Next, retain a lawyer. Sue these people for Mental Distress! I am just devistated, frustrated and exhausted. There is no reason why we have to be treated this way...in AMERICA!!! The Federal Government really must intervien and shut down these "Pirates". My husband and I have 2 other mortages with other companies and we NEVER have had any problems with them receiving our payments and crediting our accounts. We do need to make a stand and a very big impression. Please, all of AHMSI mortgage holders ARE being held hostage, when is our US Govt. going to help rescue us???? I would love to hear what you all have to contribute. Email me : [protected]@gmail.com
The best way to fight these maniacs might be to hire a real estate attorney. Which is exactly what I am doing now! I was pre-approved for my modification and they sold my note the same day that I was pre-approved. It has been 3 months and AHMSI says that they have been waiting on my property tax information for 3 months and they can't do the modification without the information. When I told them that I could fax it - they declined and said that it has to come directly from the taxing authorities. So when I asked for the fax # to have the tax authorities fax it to - They said they couldn't geive me the information. Now I have found that all I need to do is to send a QWR "qualified written request". RESPA real estate laws demand that once I request this information they have to provide hundreds of hours of documents including every cancelled check that I ever sent them. This should make them deal with my modification and they are responsible for my attorney fees. Google Section 6 of RESPA under real estate settlement procedures act, 12 u.s.c. section 2605(e). They have 60 days to get all of this information to me and if one little thing is wrong then they can owe up to 3 times the amount of interest that I have paid for the last three years. Hope that this helps someone else, too!
Are you feeling helpless, that you're getting no help or answers from AHMSI no matter what you do?? Citi...
American Home Mortage Service . Inc Complaints - How can they sleep at night...Together we can stop them
Review all American Home Mortage Service . Inc complaints
American Home Mortage Service . Inc
Posted: 2009-05-05 by rkorver
How can they sleep at night...Together we can stop them
American Home Mortage Servicing Inc,
I am so very sad to see all of you with the same problems. We are hard working Americans just trying to make it all work. Friends... it is time to stop this company from this unethical behavior. It is a differant time, it is a time of change. Together...we can bring this dishonest corporation to a halt. STOP AHMSI. Please email me your story and contact info. It is time to band together and initiate a class action suit.
Requested a loan modification because they cut down on my husbands hour at work. AHMSI raised my payment by...
Contact info for person in United States not the India Line
Payoff/Lien Release Supervisor
American Home Mortgage Servicing, Inc
4650 Regent Blvd. # 100
Irving, TX 75063
Direct line [protected]