Took my morgage payment, cashed check, and then said we didnt pay them that month, they then foreclosed on our home, email these people for help, god bless
This company is the biggest fraud there is in the United States. They take your payments and give to themselves and then they threaten forcloseure and return your payments. They will not allow you to talk to an American Person so that you can understand what they are saying. They phone your house 8 to 10 times a day and there is no one on the phone. They are lying cheating and stealing. They need to be shut down.
american home mortgage servicing inc (ahmsi) purchased my mortgage from option one after my wife passed away. they will not talk with me because i am not on the note. they have been given all death certificates, interspousal transfers and recorded deeds 4 times in last few years. they still will not speak with me. there was a problem with my insurance co and they notified amhsi which opened the flood gates. the took out an overvalued policy and charged me for time of insurance lapse. mortgage payments and insurance were all paid. all property taxes were paid as well.. they cashed mortgage payments but did not credit the account and refuse to give full accounting of what they did with cashed checks. late fees have been charged when they were not justified. now they have doubled my mortgage due to an escrow account fee that will last the length of the loan. this amount is more than my total income. meanwhile ahmsi still will not talk to me. an attorney has tried to straighten out the name on the mortgage and they will not talk with her. saying it will take days to resolve maybe even two months. they keep sending correspondence to estate of... but in california there are no probate documents on an inter-spousal transfer (hence no estate). having paid on time every month, & paid over priced insurance lapse they are still beginning foreclosure proceedings without letting me even talk to them. my attorney who is trying to help is giving up. what should have been a simple issue has turned into a nightmare.
the people ahmsi refer you to for help tell you to hire a lawyer. to hire an attorney when you are on social security income is extremely difficult. ahmsi is simply being non-responsive in anything but a delaying manner. multiple letters (9 in a month), letters not responding to my letters, letters mailed 2 weeks after being written, letters with enclosures but without the enclosure, contradictory letters from different people at ahmsi. total flood of confusing mail but never a real answer. there needs to be a class action suit against ahmsi. i cannot be the only one.
my loan started being serviced by American home mortgage servicing inc beginning in march 2009 prior to that it was being held and collected by citi mortgage, i made payments on both loans i have being serviced by ahmsi, one of them is a rental house i built next door to my home i owe 258000.00 i normally pay like clockwork the payments together somewhere along the lines ahmsi got messed up and said they did not receive payment on the next door property in june well i then recieved a letter saying they where in receipt of my payment and everything is OK. i was in a bad motorcycle accident in July and di miss July payment but in august made up for it by sending two payments each, august, Sept they recieved payment then in august 24 2009 i got a letter saying i am in default for non payment and the fees had accumulated to 10, 000.00 for foreclosure i didn't know i was in foreclosure until someone knocked at my door and wanted to inquire about the house being in foreclosure ? what?, while they were standing at my door the phone rang and it was another person or broker requesting information about the foreclosure this was completely wrong information i spoke with the ahmsi company they said if i would make a payment arrangement with them to the tune of 5500.-00 payable in three payments (3) ?? thats 16500.00 i could hold off on the foreclosure ? i did not agree to this meanwhile i sent in Octobers normal payment and they sent it back with a letter stating that it wasn't the correct amount i owed, after speaking with customer service a man rep said that the check was sent back because it was on a personal sized check and not a business size check? what the HE** did that mean? so all the while my other loan was current on November 11, 2009 i received a call from my bank saying that im 6600.00 overdrawn, OVERDRAWN? i had 13000.00 in the bank just yesterday, where did the money go? it seems American home mortgage servicing drafted 9900.00 electronically from my bank account without my knowledge, and received a check for 2312.00 on the other loan all this money was applied to a loan that was current in payments, 9900.00 plus 2300. totaled 12200.00 they said on the website that 7800.00 was applied to my foreclosure and placed in suspense, and that my other loan wasn't to be paid til march 2010, i never received any conformation as to my money being deducted or even received from this company, and only 7800 placed in suspense funds, it would take an additional 7800.00 to bring the loan current? that's 15600.00 in fees? but what about who gave them authorization to do this draft in the first place? i have four other loans with other loan companies and had to explain why my checks were bouncing? so as it stands today im still not notified in any way that American home mortgage recieved any money how they got the money, my bank statement shows 9900.00 drafted and placed into the wrong loan number. ive made complaints with the BBB, FTC, and thinking about complaining to HUD. this was totally wrong for this drafted money to be taken from my account. as it stands they have raised the principal balance on my loan and not applied the payments correctly, escrow is way too much money and don't t even add up correctly. they have raise the principal around 2000 dollars, i did nt agree with the default or foreclosure in the first place and would not have paid the fees they attached to my loan . i dont agree that i was even behind in any payments now what do i do? who is here to help? im ambivalent in filing any home modification with ahmsi because of reading complaints and horror stories from other people . ALL THE COMPLAINING IN THE WORLD ISN'T STOPPING THIS COMPANY FROM TAKING MY HOME .
AT THE BEGINING OF THE YEAR CITI MORTGAGE SOLD OUR LOAN TO AHMSI----AHMSI SENT ME A LETTER FOR MODIFORCATION. SO I SENT THEM ALL THE PAPER WORK. iT TOOK THEM 4 MONTHS TO GET BACK TO ME WITH A DENIAL. I KEPT UP MY PAYMENTS ALL THE FOUR MONTHS ON THE FOURTH MONTH AFTER I MADE MY PAYMENT ON TIME. THEY REFUNDED MY PAYMENT AND I RECIEVED A LETTER SAYING I WAS 20 DAYS LATE. I CALLED AND HAD TO PAY $16.95 TO PAY MY PAYMENT.
I HAVE PUT IN REQUEST TO HAVE LATE FEE AND PHONE IN FEE TAKEN OFF. SENT THEM DOCUMENTATION HOW THEY REFUNDED MY PAYMENT. THEY SAY THEY HAVE NO RECORD. iTS A RIP OFF COMPANY.
I received a foreclosure notice from them. Does anyone knows about mortgage notes ? Yes, they DON'T HAVE OUR MORTGAGE NOTES, therefore they can not foreclose on anything. I wanted to purchase my house, get away from the vultures so I requested the blue ink copy or my mortgage note for months. Spent hours with people from India. They never responded. I stop to pay the mortgage because that is the only way to know if they have the note.
My Compliant is with American Home Mortgage Servicing Inc (AHMSI) – customer care department / Home Retention Department – they are unprofessional, and in violation of the new law that just passed in California which placed a moratorium on the foreclosure process and must try to work out a loan modification with its customers. Also AHMIS violating federal law and state law for refusing to provide the investor information. When asked who was the director of Home Retention - AHMSI refused to provide this information - I informed them (AHMSI Rep I.D. Number PTP) that I will file with the (FTC) Federal Trade Commission and the department of Corporations of California and the Better Business Bureau. I then was transferred to a supervisor (I.D. number J2S) who was asked, what was the name of the director of Home Retention Department - he refused to provide this information and requested that I look on their web site, when asked where on their web site supervisor did not know. When I advised him that the information that I was requesting was not on their web site American Home Mortgage Servicing Inc is shielding this information.
My past mortgage company was purchased by AHMSI and it has been trouble since. I called to see if my payment was received and I ws told that I could not make my payment online any longer due to a bankruptcy. even though my house was not included in my bankruptcy. I spoke to a supervisor and only the policy was recited to me. From the customer service person to the supvisor was very RUDE and abrupt. My next call was to find out why they were not reporting my payments to the credit bureau and I was told it was my bankruptcy. I asked to speak to a supervisor and I wa stold "what is the question I can help you" I asked again for a superviosr and she said "I can answer your question" I believe this compnay hires the RUDES people thye can find. I feel as if I am under a rock and a hard place and they know it so they can treat you any way they want. There has to be something that can be done.
THIS SO CALLED MORTGAGE COMPANY HAS NOT BEEN ABLE TO HELP ME OR NOT EVEN NEGOTIATE WITH ME MY LOAN MODIFICATION.. EVERYTIME I CALL THE OPERATOR IS VERY RUDE AND HALF OF THE CONVERSATION I DO NOT UNDERSTAND THERE ENGLISH.. IT SEEMS ALL OPERATORS HAVE A VERY HARD TIME SPEAKING ENGLISH. I HAVE BEEN IN MODIFICATION SINCE MAY 2008 AND AHMSI HAS NOT BEEN ABLE TO HELP ME... I AM SENDING THERE INFO TO CNN AND SEE IF MAYBE THEY ARE INTERESTED IN HELPING ME INVESTIGATE THIS SO CALLED COMPANY.. FOR ALL THAT ARE IN THE SAME SITUATION I STRONGLY ASK YOU TO DO THE SAME SO SOMEONE COULD LISTEN TO US AND HELP US NOT TO LOOSE OUR HOME.
OptionOne & AHMSI, I got behind with OptionOne over a year ago, it took them 6 months to do the follow up on...