American Home Mortgage

I constantly communicated with AHM regarding my finances. I brought my home in May 2006. A few months later, MD did budget cuts and i lost my income. I was able to find another job in August 2006, not paying what I was making to pay my mortgage. I was able to pay my mortgage for the next six months and tried go refinance, eventually filing for bankruptcy in 2007 and 2008 before AHM threatened to foreclose.

While I finally received a phone call from the HAMP escalation department, I do not understand how this will help me now that my home has been foreclosed on and my family and I kicked out. I want someone to start an investigation into the mortgage company (AHMSA). There are too many American families like mine who have had the same done to them. The US and State Attorney Generals need to grab hold and do something for these families. The following is a link with just some of the complaints against AHMSI and their practices. We need action!

I am now 48 years old, have lost my job of 26 years, receiving unemployment for the first time in my life, denied food stamps because the $330 I get each week is too much to qualify and have no health insurance anymore, which means I cannot receive treatment for possible multiple sclerosis. What is our government doing for hard working, middle class Americans like me who have lost everything? It absolutely sickens me! Class action suit needed against this company!

All American Home Mortgage did was twice refinance and lower our notes. All they did was use up all the equity we had in our house and keep everything the same. No changes were made and more fees were added to the tune of $10k.

Hi,

I'm an off reservation native American tribal member who lives in Lamont, California and my mortgage company is American Home Mortgage Servicing Inc.

AHMSI has and have been running me around for the last year on a loan modification and promised me over and over loan modifications, Making Home Affordable programs, you name it AHMSI have promised and never came true. I have been lied to and mislead, promised, for a very long time. I have lived in my home for 35 years, married the same, my wife and I adopted our 9 yr old granddaughter. My wife works for the County Of Kern for 23 yrs. She has good income. I was in a hit and run auto accident in November 2000 and had injuries that I have dealt with pain and not being able to walk or stand. I was forced to close my profitable contracting business I had built up from nothing.

I recently had three spinal surgeries over the last 2 yrs and it has cost us even more money on top of my wife's employment insurance. That is the reason we fell behind. I have been in constant contact with my lender since day one. The reason we are told for not getting modification is due to we had one last year. My doctors made me quit work and have surgeries that I needed.

We can afford our mortgage payment but all we need is time to get current. Now that the lender has run us around for almost a year has put me behind in the range of $22,000. The lender is requesting me to sign a re-payment plan on getting current. Are there any programs that can help native Americans like myself with lender bad business practices?

American Home Mortgage has me going through a living nightmare still filling out more information and when I call them they say they have the forms but the forms have changed. Still have me in foreclosure because I have not filled out the correct forms. They say the government has new forms and they don't know about them until well after they have foreclosed or put people in this position. If you are in foreclosure and going through Hamp approval, the foreclosure should be stopped until the Hamp modification is completed or denied. I am still in foreclosure. No more begging. Please let me know how to file my own law suit against this lender or a lien on the lender. How do people in India know what we are going through and our conditions? How do we file a class action so more homeowners can have faith?

I've been reading other complaints and am astounded that the stories sound just like mine. In February of 2011 I qualified for a HAMP mod where then I was put on a probation period for 3 months. I paid on time up to five months, and then received a letter stating that I didn't qualify due to a missing document! I called and asked them why they put me on a probation period and told me what my new payments were if this document wasn't received. It was sent to them three times by fax and once express mail because each time they said they didn't receive it. The Indian just kept saying "we did not receive." Then they told me I could apply for a loan mod.

So I started the process over and they denied that due to the debt to ratio problem. Not to worry, I can reapply for the HAMP mod again. I've spoken in Indian. So I apply once again, going thru the same exhausting process of them saying we haven't received that document send again. Calling me off the hook to discuss why I am behind on my payments and what do I plan to do about it? I explained over and over again and again.

Don't these people keep notes or talk to each other? Finally after a whole year they have denied my HAMP mod again, which keep in mind I qualified the first time and even made payments but now I was denied due to excessive forbearance! I knew they would deny me simply because I have been getting the run around for a year! Wow, now what?

After AHMSI put me in foreclosure after 1 missing payment in 2008, I had to file bankruptcy in order to keep the house. They didn't want to work with me at all. I also got the governor involved and the bank commission but with no result. The bankruptcy was discharged in October 2010 and a month later AHMSI increased my mortgage from $970 to $1,215. Well, I said and paid that increased amount. Right before Christmas 2010, I received a letter stating that I am in default since April 1, 2010 and if I don't pay $13,000 by January 6, 2012, they will foreclose the home. How can that be? I was still in bankruptcy and my mortgage payment was mailed to their attorney's office.

My attorney contacted them and made it clear that AHMSI is violating the court decision and not to contact me without letting him know. Next thing I know, a home inspector showed up to check on the house. What is up with that? The house is not in foreclosure. I received another letter on January 19, 2012 stating that if I don't pay $100,980 by February 16, 2012, they will foreclose. So, I had to contact my attorney again and he is filling the case now with the bankruptcy court. No matter what I do, AHMSI just wants me out of the house. I finally give up and let them have it. I have been fighting for over 4 years now and I can't do it anymore. Nothing is going to stop them. I had an attorney all along but that doesn't help.

I have for 3 years to complete information and loan modification since my father's passing. I send documents so many times to be told they never received them. You can't even understand the person on the other phone and it is just one run around after another. Then I was told I don't qualify for any modification to this loan. So after getting an attorney to help us after they sent a foreclosure letter, we asked for a payoff note and it was sent to the attorney and before we mailed the payoff, we called to make sure it was the correct amount they said yes and so we sent the check on. Now, they have refused the check and say we need to send more money.

They do have an attorney who represents this god of a nightmare company but they don't even work with you. So I am stuck sending more money or losing my house. This is the worst company to have to ever deal with. You go though every hoops and do what they tell you need to do and it is never any good. Maybe, these company needs to send their employees to school so they learn English and know customer service and what mortgage companies are about, because these people sure don't.

Absolutely horrible. They are predominantly Indian customer service and difficult to understand once you have made them understand what you are asking for. They are not experts and they don't educate you. I have had to explain slowly every time I have called them and why I need the information. They come across as not knowing about mortgages. It has been so strange to have dealt with them and I can not wait to refinance.

I have been trying for over six months to complete this remodification. I keep getting told forms were not received and or they were incorrect. Yesterday, I was requested information which wasn't in the guidelines of the forms. I have got to the point as to where I don't think AHMSI is American. I believe it is a product of India. A foreclosure sale is set on 1-30-2012.

I thought I was alone until I stumbled upon this site and was even more shocked to see the reviews were so recent. I have been experiencing these same issues regarding the modification, missed payments, late payments, fees, harassing phone calls. I can never speak to the same person. Every time I call I get a different answer to the same question. I am sent the incorrect forms, then they didn't receive my forms. If you call after 5pm you are transferred to "Peggy" in India. They are extremely unhelpful and rude. They will not accept payment and then threaten you with foreclosure. They have prolonged the issue for over a year now and in the meantime, continue to charge me outrageous fees without any explanation. I have continuously sent the required documentation and proof of payments.

I have been trying to pay them for 5 months and they will not take my money but want to keep charging me fees, then when I ask them to provide me with something stating what these fees are, I get the runaround about sending a request and I will receive it. I never receive them.

They have put me through so much the past few months and left me feeling like there was nothing I could do. I finally got to the point and said, "This can't be legal!" I have documentation of all phone calls and information sent. I plan on contacting the Illinois Attorney General, the BBB and anyone else I can. They cannot get away with this. If they were given federal funding by the US government then why are my calls being answered in India, Croatia and other countries.

Anyone else in IL that is in the same situation please let me know what can be done. With all they have put me through, I cannot afford a lawyer but I am at a complete loss with them. I will keep checking back for information. Thank you to everyone else for posting your experiences and helping others.

May of 2009 I gave up my "income" property to a deed in lieu of foreclosure. Prior to getting there I had short sale on the table but they refused the offer. Funny, how it ended up going for three times less than what the short sale would have been for **! Anyway, when AMHS filed the documents to the credit bureaus they filed it as a foreclosure not a deed in lieu of foreclosure. I found this out because three months after the closing several CC canceled me.

I pulled my credit and found what happened. I immediately contacted the Albatross phone center and spoke with a dozen non-English speaking help desk persons. I got the canned answer, "Send all documentation to our claims department for review." It's been three ** years and I cannot find anyone in this company who can change this. I can't re-finance my primary (6.78%) because it's in my credit report. This has class action suit written all over it. Funny, how they won't accept closing documents that where filed with the Registry of Deeds with their representing attorney's signature on it.

The mortgage company is pissing me off phone messages. There were no return calls. I'm tired of paying money to rude people from Mexico and India. They ruined my credit job advancement. I really do not know where to start. I hate these people. They cost me $7200.00 already, $2800.00 in a month. Still no resolve.

That is enough. Someone please stop these animals. I spent 13 years with Countrywide. There were no problems until they sold our mortgage to these **. Nothing but games; always late payments, missing payments, late charges... I don't pay my homeowners insurance. I can't take it anymore. Something has to be done. Please help. They have thousands of complaints from all over. They have F rating from BBB. I am a veteran of USN with numerous medals. Please help us.

Fraud on the contract. They do not own my note and they can not prove it. I filed a lien on AHMSI for one hundred and fifty million.

Although this mortgage has been paid automatically on the first day of each month through a banking "bill pay service" for over ten years, without missed payments, this mortgage service provider within the last six months systematically begun to make repeated calls from the "debt collection" arm of this company.

Agents call making false claims regarding the status of loan payments. "Collection agents" making false claims that mortgage payment is "past due date". Agents using threatening and aggressive tactics attempting to elicit immediate payment by credit card of the monthly mortgage payment over the phone. Deliberate harassment by phone, often beginning two or more weeks before end of standard mortgage payment "grace period".

I sent my paper work in November and nobody knows what's going on. Jerry ** had helped me know I can't even talk to him. This is so weird, was going to do a HAMF and now its loan modification and still waiting. They sent me a letter that I had thirty days to come up with 121, 000 to pay for my home. They are crazy.

I am writing to file a complaint against American Home Mortgage Servicing Inc. regarding the Loan Modification that they approved me for back in June 2011 that did not adhere to many of the guidelines set by the Obama Loan Modification. Since this complaint will be filed with your offices, I will also be filing this complaint with the Better Business Bureau and www.banking.state.ny.us which AHMSI is registered with to have my loan modification ripped apart and worked on according to the guidelines and hopes that someone reading this will be able to represent me to file a lawsuit against AHMSI.

Recently, I did some research to see if there were terms or guidelines established for the Obama Loan Modification and there is which I have attached. I have met all the requirements for this loan modification and more according to the documents that I have attached: a) I signed the note for this mortgage, b) the original loan originated before January 1, 2009, c) the property has no more than 4-5 units, d) I had experienced financial hardship and still do because the loan modification that AHMSI approved me for is not according to the guidelines; it's a loan for a new borrower.

This program called for servicers to reduce the monthly payment to no more that 31% of the eligible borrower's pre-tax income. If the servicer cannot get the monthly payment down to 31% for the homeowner, then the are to use means as reducing the interest rate, reducing the principal, extending the term and the last option is to step in and use the $75 billion our government allocated to subsidize this program. What did AHMSI do with their portion of the $75 billion? It certainly was not used in my loan modification.

What my loan modification should have been: Pre-tax monthly income: $4,000 X 31% = $1,240.00 (monthly mortgage payment, P & I and taxes). My current loan modification: Pre-tax monthly income: $4,000 X 62% = $2,480.00 (monthly mortgage payment, P & I and taxes). I wish I knew more about these guidelines because I would have fought for my loan modification, instead I was threatened that if I didn't sign the loan modification, foreclosure proceedings would start. Why in the world would any bank approve and give a homeowner a 62% monthly mortgage payment, under these guidelines, only to send the homeowner back into a crisis?

I will continue to fight for my rights and no longer be abused by this mortgage servicer. As I stated earlier, this complaint will be filed with the Better Business Bureau, Consumer Affairs.com for American home Mortgage Servicing Inc and www.banking.state.ny.us. If AHMSI thinks they're getting away with this, they're mighty mistaken. If I experienced this, then so did other home owners that have their loan modifications through AHMSI.

I had a $250k note on a $900k home. When the economy started to go into free fall, I had the same economic issues as many other families. After a loan modification (which supposedly was going to lower my payments to about $1100), AHMSI began to escrow my account for $17k worth of insurance (in spite of the fact that we had insurance and that the highest quote we ever received for that insurance was only $7k) and that they were now escrow-ing the property taxes (in spite of the fact that we had already made arrangements for payments).

Needless to say, our payments went from $1500/month to over $3500/month! We fell behind. We were given a "life line" (as the representative from AHMSI called it) and were told that if we paid $12k in February, 2010, we could get our mortgage caught back up in four months by paying $4,541.16/month. We took that deal. (We honestly didn't have any other choice.)

We sent, in error, a check for $4,500 to AHMSI the following month and were immediately thrown into foreclosure again because of the check's being shorted by $41.16! When I called the company to remedy the situation within minutes of receiving the letter from AHMSI stating the oversight, I was told that they couldn't do a thing and that my only remedy was to send an additional $12k to start the process over again!

Please note that this was after I had already sent AHMSI $16,500 in less than two months! Apparently, the money that I sent was put into an escrow account and just "sat" there, rather then being applied to my debt. Needless to say, I put my home on the market at a 25% discount below the current market value and took a $400k hit right off the bat.

I prepaid my mortgage for six months after coming out of a BK for other reasons and they misappropriated the funds, added fees, took $12,000, $5000 for the arrears and $6000 for prepaid payments and consumed the money and foreclosed on my home in two months for non payment. Never sent statements or late notice, thought I was prepaid and wouldn't take my calls. I filed a lawsuit in November. I'm looking for any attorney who will take my case on contingency. Will go all the way to trial.

We had a flex rate mortgage on our home that we had been in since 2005. We were with Option One at first, but got sold to AHMSI two years later. We got behind on the payments because they got so high over the years. We request help from American Home Mortgage Servicing Inc. to see what we qualified for. We were told that we could not do a HAMP, but could do a modification of our monthly payment. We sent in the paperwork as requested for the modification and that was in late 2008. We receive a modification for a higher amount then we were already paying monthly and were told this is all they could do for us! We told the company that we couldn't pay that amount since it was more then before. So we struggled to pay this new mortgage amount for a few months and got behind again. We once again let the company know that this was too much for us to handle and we needed our monthly payments lowered. We were sent more modification papers to fill out, which was July 2009. Once again we sent them in to the company.

Then the runaround started, that was about September 9. We would call the company to make sure they received the paperwork and was most times told not yet. A couple of months would go by and we would receive papers to apply for modification once again. We call them and let them know that we sent in the papers already, but were told the some items were missing and that we needed to send them again! This went on for over a year and at that point I knew we were being stung along by this company. What amazes me is that this country bailed out the banks that created the problem in the first place. What should be done is that homeowners be allowed to refi their homes at fair market value with low interest rates. That's fair. The whole time we dealt with AHMSI they were so rude to us and blamed us for this situation as though we asked for this! Really.

We had to end up filing bankruptcy. We gave up our home in the process because time was wasted trying to work with this company and things got down to the wire with threatening letters and phone calls about foreclosure. We tried our best to work with them to no avail! We are now renting. Some American dream!

Since, October of 2010 I filed for a loan modification. Until this day, they cannot give me a straight answer. I have return all documents requested, matter in fact I faxed them twice because for some reason or other they are misplaced and I have been turned down 6 times, because they are always missing documents and but not denied case still working, but every time I call, no one seems to know what documents are missing or I needed. Very unprofessional ethics. Very rude. Won't take any kind of payments and they added their own insurance. When I had my own now, they are threatening with foreclosure being forced to file chapter13 bankruptcy.

I am trying to get the name of the Lender that holds my mortgage so I can refinance. I faxed a letter asking for this, at their request. They said they didn't get it. I faxed another one and I am still waiting, for 2 weeks now! I can hardly understand the people that answer the phone. The supervisors are unprofessional and I have a right to know who I pay my mortgage to every month. One more week without results, I am going to the SEC. Done!

AHMSI added $5,500 for property insurance to our escrow. We already had our own and documented same to AHMSI. They never took it off. They started foreclosure and demanded $10,000 to reinstate us after fraudulently reporting us as delinquent (illegal) to three credit bureaus while still cashing our checks (illegal). My credit went from 780 to 630. AHMSI was threatening and unscrupulous. They violated FTC law. I sent docs to CT Atty. General, Department of Banking, FTC, DEUTSHE Bank, and AHMSI reporting this travesty.

The following are the consequences:

7. I cannot refinance debt.

All started back in December 2009. I was doing fine with my payments but having a lot a financial trouble and I knew I was not going to last long. AHMS send me a package to modify my loan. I did everything they told me to do and a month later they would ask for the same updated documents. They gave a name of the officer that was assigned to my case, but every time it sends me to voice mail. He never called back. In the mean time, I keep calling the company and follow their instruction and keep sending them the documents.

Well, after sending the documents again and again for over a year now they have my home foreclosed. The reason that they gave me is that I had missing documents in my packagewhat? Every time, for two years, I would send my documents and follow three days later to make sure they got all the documents. So whoever would answer the phone would say that they have everything that they need to modify my loan and I shouldn't have any problem anymore. Well, maybe in their world "anymore" means every month!

I don't know what to do now but wait. They are giving me one more chance to send them the documents and see if they can do something to fix the problem. I guarantee you that they would not do anything to help us. All I can do now is call my house representatives, senator and governor's office to see if they can help.

Once again, I am back after being approved for a loan modification with American Home Mortgage Services. My first payment started on June 2011. I will keep this simple and brief; basically, I am done with American Home Mortgage Servicing, after fighting in court for 2 years and through my home loan modification process.

I have read horror stories about American Home Mortgage Servicing not applying payments properly and forcing home owners in foreclosure. I didn't think this could happen again or to me but my payments have not been applied properly. I have bank statements showing that I have paid from June till October mortgage payments.

American Home Mortgage Services will not allow me access to my payment information and how it's applied because they say I need to reinstate my loan after my Chapter 7 filing which my attorney never heard about and never received the documents from American Home Mortgage Services. I accepted this loan assumption during my loan modification process. There is no need to reinstate my loan. For this reason, I do not see how my payments and interest are being applied.

After my last payment this month for October, I received a default notice that I owe for October and November. The payment that I made this month was for October instead and I presume AHMC applied this to September or they just pocketed my payment and went on a shopping spree or applied it to another customers account. In any event, I have my bank statements to prove this. I am totally disgusted with AHMC and this corporation needs to be shut down as I have said in my past complaints with the Attorney Generals Office of Texas, and nothing is being done or court action taken against this company.

This company is not getting away with this and will fight them again if I have to. How dare they send me a default notice in actuality for the month of November according to my bankstatements? This organization does not apply my mortgage payments properly. Please intervene and take control of this organization and shut them down.

6. Remit the correct loan payment for the month of December 2011 and forward

Continued incorrect monthly loan payments. Incorrect escrow accounts as a result of incorrect insurance coverage placed on account by AHMSI. Continued late payments reported to the credit bureaus.

1. Between June and July 2011, I pulled my credit report. I found out that my mortgage loan had not been reported to the credit bureau since February of 2009. I have been current on all of my payments until July of 2011. I contacted AHMSI to find out why my loan had not been reported. I told the person that I am glad to be talking to an American because I could not understand the heavy accents from the employees who are based in India. The lady employee said that I am referred to this part of AHMSI because my loan had been through a bankruptcy and it was in a charge off status. I said that I was never in bankruptcy and that wasn't possible. She said that whoever held the note or held the loan had filed bankruptcy and that my loan was a part of that. She said that federal law dictates that they do not have to tell you when the loan provider is filing bankruptcy. She told me to find out who was holding the note to my loan.

2. I contacted AHMSI again between June/July 2011. I asked who the holder of my loan was. They said they could not tell me that and I would have to fill out the forms to ask who held the note. There are no forms on the AHMSI website that do this. I told him that their agency was not reporting my loan to the credit bureau for almost 2 years and that I had a right to know why as well as who the holder of my loan was. They again said they would not tell me and that I had to go on the website. I asked again to be transferred to someone and finally they did. I was then transferred again to the bankruptcy division. The man who supposedly worked there said that he looked on the federal bankruptcy website and my name was not on it. He stated that I've never seen anything like this before and this is highly unusual. He stated that he would make sure it was corrected and it's probably because it had not been reaffirmed or reassigned when I told him that Nichols (who sold me the condo first) had filed bankruptcy of 1.25 million. He stated that that was probably the case. He said that it would be corrected with the credit bureau within 30 days.

3. I checked my credit report again the following month and it had not been reported. I felt that AHMSI was being deceptive, so I then researched who refinanced my loan, which was Bryco Funding. I found out that they were the originators of the refinance at $108,000. They filed a Chapter 7 with the federal bankruptcy court in California and folded between 2007 and 2009. All of their loans were charged off (including mine). I then researched charge off mortgage loans. According to federal law, a company who files Chapter 7 in federal bankruptcy court does not have to reaffirm or reassign the loan to the individual, and that is why my loan has never been reported since February of 2009.

4. I found out that the holders of the deed in trust, Alliance Title Agency in California, went out of business almost a year after my loan was acquired from Bryco funding in 2008 and I still do not know who holds the deed of trust because the agency they supposedly sent their files too does not seem to exist for Arizona. My loan was sold to Option One Mortgage, who also may have filed bankruptcy. The loan was then sent to AHMSI, who is a servicing agency.

5. Between July and September of 2011, I contacted AHMSI about my mortgage being late due to financial difficulties. They said that I could go on line and fill out the Home Affordable packet. They told me I would not be eligible for the HAMP as I was not working, but I was eligible for the HAUP (Home Affordable Unemployment Program). In these calls I was told that I needed 3-4 months of unemployment benefits because it was a temporary 3-month program. I had these benefits.

6. September 23-30th, 2011. I filled out all the documents for the HAUP and enclosed all forms needed. The documents I needed to send in was: my unemployment benefit award letter, 2 statements of my checking and saving balance, a copy of my past unemployment benefits, and my last two years of tax statements. I sent these in with the forms from the AHMSI website. The award letter I sent in showed that I would be awarded 13 weeks of unemployment under tier 3 and 6 weeks under tier 4, which was 4 months and 2 weeks of benefits. The HAUP program is available so that you can get some relief from your mortgage (lowered payments) while you look for a job.

7. These documents were sent priority mail and arrived to their office September 30, 2011 around 10 am. I had a tracer number for this.

8. When I called the next week to see if they received them, they said they denied ever receiving the paperwork. They stated that I was denied the program because I did not have enough benefits. I told them that was not true and said when all of the forms were sent, that I had a tracer, which was accompanied by the award letter. They again denied ever getting the forms. I told them again that I have a tracer and told them where it was sent, the time, date, and building. Eventually, they admitted to receiving them October 4th, 2011. They stated to me my documents would be forwarded to a negotiator and I would know if I am approved in 30 days, which is around November 1st, 2011. I was then told by this person and several others that my loan would be in forbearance and that I would not have to pay until they made a decision. They stated that the collection calls would cease.

9. October 1-November 23, 2011: During this time and prior, I continued to receive several collection calls from AHMSI. They would demand payment, become very rude with me, and say that I was still obligated to pay them. They stated that the people who told me that I was in forbearance were all lying. I told them that this was not true because I was told by several of their employees and why would they lie about this? I have had collection calls from them on a weekly basis, often every day or every other day. I explained to them that I am unemployed on multiple occasions and I am on unemployment benefits and do not have a close family to help me, nor could I borrow it from somewhere else. I have called them back whenever they called me and left messages because I thought this was an approval notice. On one occasion they told me that no one ever told me I would get an approval notice on November 1st and that it would December 1st. They said that I was lying.

I said that I was not lying and that this phone call was recorded by them stating to me that it would be 30 days and I should call back around November 1st. I was also told that I was lying about the forbearance until they made a decision. I said again that your agency recorded these phone calls so that you know this occurred, and I don't understand why you are telling me I am lying when I am not. They said that I am trying to get out of paying my loan and I said I was not. Why would I continue to call you back every time you called me, move forward with the HAUP program, if I did not want to pay my mortgage? On other occasions they admitted that they had documented calls saying that I had returned their calls several times and they acknowledged that, again, I would have a decision by November 1st. They again said that I was in forbearance and all collection calls would be stopped. Despite AHMSI admitting this, they continued to say I was lying and that I was never in forbearance.

10. On the week of November 14-21st, I received a letter stating that I was denied the HAUP program because the negotiator Damian ** could not get a hold of me despite repeated attempts to determine my financial condition. I contacted Damian ** on 3 occasions since I was assigned to him and left messages. Damian has never called me this entire time, nor have I ever spoken to him, nor has he returned any of my calls. I have called AHMSI about 2-3 times every week since June of 2011 to get assistance. At neither time was I given assistance when I was transferred to him. He was never available and never communicated with me. I sent another phone message to him, angry that I got a letter and that I was going to file a complaint against AHMSI because I have never spoken to him and he never once returned any of my calls. I also called his supervisor on November 21st (Karen **) and she has never returned my call.

11. During this entire time, I was researching complaints against AHMSI. I found 146 pages of complaints with the Consumer Affairs website. AHMSI also has 5 class action law suits pending in Texas, California, Washington, Ohio, and New York for deceptive trade practices. AHMSI is based in Coppell, Texas. They are a loan servicing company, not an actual mortgage bank who provides the loans; there are no state regulations or laws that oversee their business dealings with the public. This may be the case with the other states that have gone ahead and filed a class action suit due to the volume of complaints from the public.

12. On November 22, 2011, I contacted AHMSI at the 469 number in Coppell, Texas. I asked to speak to Damian's supervisor again, Karen **. She said that no one by that name works there! I asked to speak to Damian **. She said the same thing. I was then transferred to a female account manager whom I could not remember the name of. This occurred between the hours of 11 am and 12 pm. She first said that the negotiator denied me because he could not verify that I had unemployment benefits. She said that she needed to see that I had benefits for every week. I told her that the award letter clearly states this. She then said that she needed to see that I had benefits for every week consecutively (meaning that she wanted a running log). I told her that this is not possible because you have to file benefits every week in order to claim them and you do not claim them if you become employed. She said I would have to call the unemployment division and get a more detailed letter.

I told her that the award letter is the detailed letter because it confirms that I am eligible for the 18 weeks of benefits and that they would not give me any paperwork for proven weekly benefits coming in because I had not filed for them yet. I told her that the award letter said that I was awarded the benefits until January 26, 2012 and that I sent them a copy of my past benefits. She said that this is not the information they wanted or needed. I said that is not true because that is what the HAUP program asked for and that is what other housing programs asked for if you were unemployed. This argument went on for about 10-15 minutes until she finally admitted that she did see that I was awarded the benefits until January 26, 2012 and that I would receive them weekly for 18 weeks. She then said that I was not eligible because I needed to have benefits for the next six months. She said that this was a requirement of the HAUP program. Because I could not confirm this, I believed her. She said there was a lot of confusion regarding the employees and that they were not lying to me. I said I wish you had talked to me about this before instead of getting all of these phone calls.

13. When the call ended, I remember that there was something wrong about what this employee told me regarding the requirement of the six months of benefits needed by the HAUP program. I went on the AHMSI website and the HAUP website. On both websites, nowhere does it say that I need 6 months of unemployment benefits. The program requires that you have unemployment benefits for the period of the HAUP forbearance which is three months. When I turned in all of my paperwork on September 30, 2011, I had 18 weeks of benefitsover 4 months. I was supposed to have a determination by November 1, 2011.

AHMSI is continuing to lie to me. They do not care about my situation nor are they helping me in any way. Considering that there are multiple class action law suits and over 146 pages of complaints with Consumer Affairs as well as an F rating with the Better Business Bureau, it is no wonder that AHMSI has used deceptive business practices with me. I want to file a complaint with the Arizona and Texas AG office as well as both of the Arizona and Texas Financial Regulating Agencies. I have also forwarded this complaint to the Better Business Bureau and Consumer Affairs. I have been researching on acquiring legal counsel in this matter; however, due to my financial situation, I am unable to afford an attorney unless on contingency and I would like to pursue a resolution with both state departments.

14. All of my conversations and phone calls have been recorded and documented with AHMSI per their communications policy.

So far, I am still in the foreclosure process. I just called AHMSI today in which supposedly my case was "re-opened" by Damian's supervisor Karen **. I do not know if this is true or not because I have never spoken to either of them and they have never returned any of my calls. They asked for more financial information, in which I told them I had already given them in the documents and I re-repeated it again. Supposedly, I am to get a phone call next Monday or Tuesday, but it will probably be from another person overseas asking for back-payments that I do not have. I would not have applied for a home mod if I was not behind on my payments. I found out that Bryco Funding sold my loan to Option One. In order for Option One to avoid bankruptcy they sold to AHMSI servicing.

I still cannot find out who owns my promissory note/deed of trust. My guess is that when Bryco Funding filed bankruptcy, they were the ones that never reassigned my loan; so that may be why it is not showing up on my credit report. I am very frustrated and defeated in this case. I spoke to the agent at AHMSI and I told them you had every opportunity to approve my HAUP loan, but you continued to say I was lying, that the agents never promised me a decision by 11/1/11 even though it is recorded that they did. Now I only have enough unemployment benefits until January 26. They claim now that they are 'sorry' for the confusion and misunderstanding and that someone will be looking into it. We will see. I have a feeling this is just another stall tactic to foreclose on my home.

Mortgage was paid on the 11/14/11. 9:14pm yet the mortgage company has it paid on the 11/15/11 and this is not the first time they have this. Last month the same thing happened. How can that be when it was not 12midnight. The mortgage is due on the first of the month with a grace period until the sixteen. Are they doing this to charge consumers late fees? I give them zero star. Want to take the one star but could not. The customer service rep. plus their supervisor are of no help.

They were our lender on our home; actually just a debt collection agency. We wanted refinance our home and they would not help us. Our loan payment got up to $3600/month and they would only bring down to $3200/month which we could not afford. They would not tell us who the investor was on our loan. We got the runaround to say the least, even though we had every right to know the information. They harassed me at work when they did not receive their payment on the first. I threatened to sue and the calls stopped. We tried and tried to have them work with us but they refused. They auctioned our house even though we had a buyer for the house and they sold it for 20k less than what the buyer offered.

We had to file back, move out of our house that we lived in for 13 years, in 72 hours. We were homeless for two months with a child. Now, we live in an apartment and have to start all over again. These people are terrible to work with. I feel sorry for their other customers. If we could sue them, we would. I am sure there is some loop-hole in our loan papers, but we cannot afford a lawyer. Who knows when we will be able to own a house again.

My experience with American Home Mortgage Servicing has been extremely difficult. Every time I call, I get a different representative who has difficulty speaking English and has no idea what is going on with my mortgage. The representatives have given me false information and I get my hopes up just to be told, "I'm sorry, but your investor does not participate in loan modifications or repayment plans".

Also, when I tried to send money ($3000) it was sent back to me! I would not be in foreclosure if it wasn't for the bad information I was given about my loan and my "investor". I am striving to keep my home and now I am told I have to pay $15,642.89 to bring my mortgage current! I can put $4,500 down and pay $1521/mo for 13 months. Where will that money be coming from? If I had been told in June of 2010 that I could do a repayment plan, I wouldn't be in the mess I am today!

In October of 2006 we obtained a split 80/20 mortgage from Option One Mortgage Company which was a 2 year fixed rate interest only loan, but would become a standard ARM in 2008.

We fell a bit behind but in October of 2008 (prior to going to an ARM) we paid everything current. I was laid off in October of 2008 (right around when it went ARM). We fell behind and in December received a notice stating we would be foreclosed on if we did not pay the back balance by February. In January we received foreclosure notices. I contacted them and told them my situation (as I had previously done) and then informed them it would be paid off before February and that I was now working with a company called 1-2-3 Fix My Loan (and that's another story in and of itself.) I was told it didn't matter and that the letter I got was only good for 30 days. I requested a supervisor and explained it again to them and got the same response. I asked them to tell me where on the letter it showed this and they were not able to. I faxed them the letter and got a call back about 20 minutes later saying I was right and I had until that date.

Well, come June of 2009, we finally got our modification (no thanks to the company we hired.) We eagerly signed it and sent it in looking forward to being caught up and having this monkey off our back. Then, we got the first bill. It was nearly $350.00 MORE than we had agreed to.

When I called them regarding it, they said the increase was due to escrow increases. I asked what that meant and they told me the amount they estimated was not the actual amount and that there was a shortfall I had to pay. I reminded them that as part of the modification (bear in mind, we're in July now, the modification was signed at the end of June) I was told the January - June 09 taxes were paid outside the modification and had to be repaid. So, I went and pulled my tax records, and the amount they claimed they paid for taxes and insurance that year.

The numbers there did not even closely match the line item on the modification for 'Unpaid Taxes and Insurance'. When you add up all the taxes (including the Jan-June ones) and the insurance, there is about a $1,000.00 difference; if they did shortfall the escrow and didn't include that in the modification, then we're talking over $2,000.00. So, I called them and really began to question it. I was told by a modification person that there were some errors and they would take care of it and I didn't have to worry about payments or anything while they worked it out (and we're into September now.) Since I was still laid off, I spent some time paying down some debt to make life easier in anticipation of having to start paying the mortgage again.

Each month I emailed my representative asking for an update, and each month I was told it was being worked on. Finally, in December, I was told there was nothing they could do. I had already had a loan modification within 1 year. They then demanded all past due payments. I told them to shove it up their ***.

I began sending letters, making calls, etc... and ultimately through Google, found some random finance executives name and phone number on an earnings report. I called him and left him a detailed message and demanded a return call. I got one. He put me in touch with someone in Loss Mitigation. Finally, in December of 2010 (yes that long), we got approved for HAMP. Of course, we get one payment and then our first bill is $50.00 higher per month. When I call them, you guessed it, escrow shortfall AGAIN. Rather than fight I just wanted this done, so I paid it.

Shortly after this we began having difficulty as my being laid off for 2 years and "robbing Peter to pay Paul" had finally started to catch up with us. We fell behind about 3 months, and then paid it current, then fell behind, then paid it current. Ultimately, in August of 2011 we were behind about 2-3 months again (but I was literally getting ready to pay them again and this would be the last time we would fall behind barring another catastrophic event) and I was told too bad. They now wanted over $10,000.00 when our past due was only $4,500.00.

So, after some quibbling we were able to get into a work out for $4,700.00 up front, then $1,470.00 a month for 6 months. We made the $4,700.00 and our first $1,470.00 payment. The problem I have is I and my wife are both paid bi-monthly and we get paid the same day on the same weeks. Sending in this 1 large payment breaks me for 2 weeks until I get paid again. Our family has had to live on Ramen Noodles for nearly 1 week while we wait for the next check. It's not that we can't afford the payments; it's the size of them that kills us. We weren't able to set aside anything since we got the arrangement Sept 1st and the first payment was due Sept 29th, normal bills hit us between then. We got the payment in on time but it killed me.

So, my thinking was we normally get a 10 day grace period, and don't get reported as being late for 30 days, so, I should be able to break Oct payment up and do 1/2 in Oct and 1/2 the next paycheck which would be in November. Every 2 weeks, we would put aside 1/2 the payment. I worked the numbers, and our payment would never go more than 13 days past due (so not even 2 weeks.)

Today I came home from work and found a note on the door asking me to call AMIS, so I did. It was a 'do they still live here? visit. While I had a rep, I told them my plan. They told me if I do that, there was a good chance they would count me as in default and continue the foreclosure. I asked if there was a department I could speak to about this to maybe work something out and I was told the attorney handled it. I was advised NOT to call the attorney since it could appear that I was not able to make my payments and they may push the foreclosure even though there was a work out in place. So, I called the attorney. They told me they have nothing to do with it, that the mortgage company pulls the strings.

This is ridiculous! This company has at every turn tried to block me from making good without killing myself. If I didn't have a wife and a 9 year old daughter, I would have told them to get the house. Good luck selling it when we financed 180,000 and it's worth 130,000.00! If anyone in CT is filing a suit, I want in!

Applied for the HAMP program that started in June 2011 and now its October 2011 and still haven't heard anything. They tell me to keep calling back and I get the same response and the run around. At first, I wanted to stay in my home. Now they send me letter saying I owe 7500 back mortgage payment because they rolled in my taxes with my mortgage payment. Nothing about my home mortgage modification application but mortgage payment went up. I can't get ahead.

We're behind in payments. I was told the payment was going from $1600 to $1900 because of delinquency. I paid $5800 to get the loan current. I continued to charge $1900 per month. I sent in checks for $1600 until they sent them back and put the house into foreclosure. The bank, after 14 months, decided to try and settle for the right amount. It took five thousand in lawyer fees to get to this point. I will fight to get the money in lawyer's fees back.

Well this is some ** up crap. I have been fighting for a year and a half with my mortgage company over the flood insurance I proved I did not need and they added anyway. They added late fees when I refused to pay it, ruined my credit, stopped taking the correct payments that I was making. I sold my house September 27th and I got a letter today saying it has been determined I am not in a flood zone so don't need flood insurance after we moved out.

American Home Mortgage Servicing INC. flat **. I could go on and on about my experience, needless to say it would just be repeating what everyone else has been saying. I repeatedly sent info fax mail or certified and they never receive it, the certified. They said they received since I had the signature of their employee but they did not know what happened to the pack of papers I sent to them. Include me in any class action suit against them I have 2 files trying to deal with them.

I also have been dealing with AHMSI. I applied for a loan modification because I had fell behind on my payments. I live in Baytown and I am living and working in Florida. I applied back in July, sent all paperwork required and got letters that I was missing some of the forms. I resend it. I was told that I did not qualify. The previous letter said that I would get an answer in 30 days. I got another letter requesting the same paperwork again, I faxed it again.

Well, we are in October and in the last 2 weeks, I have faxed the paperwork many times. I got fed up and called my assigned manager. I asked him why are they requesting the same documents which I have faxed 3 times in the last 2 weeks? He said that they were a debt collector, so I asked him who was my mortgage company. He could not disclose that info. He said I should short sale my home that I went off on him. Last month, I sent a payment for $1137 money orders. They sent them back because they want the $5600.00 I am behind. Why is the president not doing anything about this? I paid $150,000 for my home worth $110,000 now. $40,000 in the negative. I want to save my home. Please help.

AHMS took over my mortgage from Option One Mortgage. I had to have heart surgery and got behind on my mortgage. They were about to foreclose on my home but offered to do a loan modification on my mortgage. This was great or so I thought. My mortgage payments went down. But when I sent in my payments, they sent them back. Also, my escrow account was short according to them. They immediately sent out letters stating that I had to pay the difference in the escrow account to bring it current. I did not have the money to do this, so they did another modification to include the escrow. My mortgage that had a balance of $156000.00 went up to $197000.00. And my payments went up almost $400.00 more than it was.

My husband got hurt at work and has not been able to work for over 3 months, so my home is now in foreclosure. It was supposed to sell on Sept. 6th but the sale was postponed until Nov. 1st. I have tried to work out something with the mortgage company. But they want $12000.00 to even try to work with me on keeping my home. Every time I call, they give me a different amount. And now they want me to do a short sale on my home. Does anyone have a solution to this problem?

AMH foreclosed on a property in our Home Ownership Accelerator that had a lien against it for 2011 dues and penalties. They have ignored our request for payment of the lien and the penalties that continue to accumulate since they took possession of the property. We have contacted them and they requested we fax the documentation. This has been done three times and they continue not to act on the account. Current balance is $600.

Where do I begin? In 10/10, we had a modification done on our home. our first payment was due 12/1/10. In May of 2011, I filed a dispute with the company over missing payments from 12/2010 to 4/2011. It took them two months and me filing a complaint with BBB to get a resolution. Then, they still told me that the bank listed on the back of the canceled checks I sent them was not the bank they use. Therefore, I had to locate the payments on my own.

In August, I submitted for HAMP workout since my husband's hours were cut at work. I had to fax the paperwork 3 times and file another complaint to get them to acknowledge the paperwork. Then, I got a letter stating our home is being sold on 10/11/11. I got another letter stating that they received the documentation, and that the foreclosure process would be placed on hold to allow time for review of the HAMP documentation. My home is still listed for sale on 10/11/11! I have contacted the attorney responsible for the sale and the company themselves. They keep telling me that the negotiator is responsible for making that call. But they can't seem to tell me why I got a letter telling me that the sale would be placed on hold. They are liars!

I have since filed again with BBB and Attorney General in Missouri, sent letters to Senators, Congressman, and House representatives. I don't know what to do at this point. I have complained and talked until I am blue in the face. Those "Indian" call centers just keep saying "I'm sorry". Sorry is not good enough anymore. I want results. I have left messages with our "negotiator" for 3 weeks now and never got a return call. No one will tell me anything. We are not leaving our home. We have paid on this home since 2004 and this is our house.

I have the same complaint as others, I buy my own insurance, including flood insurance and I pay my own taxes. But now, they take money from my mortgage payments and put into escrow that I don't owe them, and then charge me late payments for being under my mortgage payments. I have been paying an attorney all year to work with them and still no results.

Yes they seem to be crooks. I receive daily phone calls from people that don't even speak English.

These people are horrible. I don't have enough room to type all that they have done to us. Our loan originated with another company in 2006 and we knew this was not a good loan at the time but figured we would just have to refinance in 2008. Well, the minute we signed the papers, the loan got sold 4 times and ended up with these **. We tried to refinance in 2008, but the economy was crashing all over the place and our house quickly sank under water. To our horror, we were stuck. Mind you, I have lived in this house since 1962!

Unable to refinance, we tried and tried for loan modifications and we're flat out denied. I had a serious accident in 2009 and our payment fell one month behind. That's when the nightmare began. They refused to work with us. No matter how much money we sent to these crooks, it was never enough. They were asking us for astronomical amounts of money on a regular basis. We quickly became tapped out and defaulted on our revolving debt. Then in September of 2009, we were served with 16 copies of foreclosure notices. We hired a firm to try to get us a loan modification. They took our money and did nothing but assured me all was well. Then I came home from work in December of 2009 and found notice of sale signs plastered all over the front of the house. They were going to auction off our house on the steps of the courthouse on December 23rd 2009. Merry Christmas.

We called a lawyer. We took her a bunch of money and we filed for bankruptcy to stop the sale. Then, she quickly got suspended from the bar and didn't tell us. We had to pay another attorney a bunch of money and since we filed for bankruptcy, these people have time and time again filed motions to have the bankruptcy stay lifted so they can sell the house claiming we owe this and that. Now, they have filed a motion for default. We can't take it. This is the most stressful thing we've ever been through. These people just keep trying to wear us down to the point that we are ready to walk from the house. They need to be stopped. My next step is to sue them for fraud.

I had a refinance in 2007, modification in 2008 because of the stated income adjustable loan I received. I'm looking to go straight to AMHM-OPTION ONE legal department with the Truth in Lending act violation. No modification involved. If they don't settle my demands for lowering my balance to fair market value, make my payment 31% of my income, forgive all late payments, and start a new 40 loan at 2%-4%, I will put in a complaint with the Federal Regulatory Commission.

This is not a modification but a settlement that they are willing to settle because of the fraud. People need to go straight to the legal department for this. They have to answer you in 6 to 20 days. This is now the process to get Option One to resolve the problem. Google Option One 60-minutes story.

I have been dealing with AHM since October of 2010. Yes, one year next month. I stopped them in their tracks when I complained to the Attorney General, my Congressman Ron Paul and Fannie Mae. They stopped calling me, sending me foreclosure notices and I have actually stopped paying them. It's like everything was put on hold. The Attorney General sued AHM in August of 2010 and won. Print out the transcript, I'll bet you'll be like me and see they are doing to you what they were already sued for. Complain!

Attorney General, congressman and the agency responsible for your loan. Just call AHM and ask them who holds your loan. AHM is only the facilitator of your loan! Fannie Mae, Fannie Mac FHA etc. holds your original loan. In TX, Attorney General Greg Abbott. Make them tell you why AHM doesn't have to obey the law like you do. When you "google" American Home Mortgage complaints, there are 1 million 580 thousand responses. News footage, class actions and average people like you and me that can't understand how this could happen in America. AHM is stealing our homes and the government doesn't seem to notice!

I am a licensed realtor and was calling with a cash offer for a home that went in to foreclosure that this bank had - a cash offer for the full amount. The man who picked up the phone at 9:20 am CDT was more than unprofessional and rude and acted as if I didn't know anything, even though I had the amount noted, the document number, and so forth. Not only because of his complete rudeness did the bank lose a transaction, but also because of his attitude and lack of knowledge. I will make certain never to deal with this bank again.

On two occasions, I have been granted a loan modification with AHMSI.

The first time, they sent me all the paperwork which I signed and promptly mailed back. As instructed by them, I was to skip the month's payment because I was in modification. Then, I was to send a cashiers check the next month with my new mortgage payment amount. I did this and continued making my mortgage payments on time. Approximately five months into this, I tried to buy a new car, only to be told by the salesperson that I cannot get a loan because I have not made mortgage payments for the past five months. I called AHMSI and not only did they told me that they have no record of a loan modification but they cashed the checks, which I had been sending in and not applying them to my mortgage!

No one at AHMSI would help me, so I had to contact the banking commission and send them all the modification documents which I received from AHMSI along with a letter describing my situation. The banking commission informed me that while they can contact AHMSI on my behalf and ask them to rectify my situation, they really could not force them to do anything because they are not allowed to do business in AZ.

Now here I am, two years later, again trying to buy something only to find out that AHMSI never rectified my credit and again reported me late on mortgage payments even though I was in modification and was not late at all.

I fell behind in payments and I tried to get a short sale approved to which we were unable to get a response from them. We had a buyer in place but AHMS would not respond; calling the number listed only ends up in being disconnected.

My credit report shows a foreclosure because they would not work with us on the short sale and on any options at all. I never received anything from them with regards to the status of the house; they just simply stopped communicating with me and now, I cannot buy a home because of my credit report.

We are currently in a foreclosure status after trying to work out a plan with unemployment, which they said we did not qualify for after they got our paperwork said we were behind and you can't be behind to qualify. Also, we tried to set up a short sale but they said no. Then they said they are going to sue us for the attorney's cost of the foreclosure if we don't file Chapter 7.

All we want is our home. We did not sign a mortgage to lose it, but due to the economy, we have been unemployed off and on for three years, got a job and lose it. All savings are gone, etc. This company is in disguise as Option One Mortgage and they are back by Wells Fargo, one of the biggest crooks on earth. I just wish for once that someone would put these banks in the place and make them stop playing games with people and families' lives!

Applied for loan modification - declined the expensive and unacceptable terms and they recalculated the payments with escrow and started a snowball of charges and late fees!

Option One Mortgage, d/b/a/ American Home Morgtgage Servicing, Inc. is a predatory lender. This company blatantly lies to consumers and they are allowed to get away with it. These mortgage companies have been running like race horses around us for the longest time. We purchase our homes and they then turn around and sell our mortgages, forclose on our homes, place negative stigmas on us, and re-sell those homes to other people and keep making money all over again. The cycle is deceptive and malicious.

I've had a mortgage with Option One/AHMSI for over ten years and I'm about to sue them for my home; they will not take my home away from me. My insurance and taxes are paid in my mortgage . . . I've never received any refund from my escrow. In November of 2010 they allegedly modified my loan and changed my rate from an adjustable to a fixed rate. My mortgage payment increased in January 2011. Who legitimately receives two escrow statements within three months of a loan modification? Is this a fixed rate mortgage or an attempt to defraud me AGAIN? They further sent me a HAMP application inviting me to apply for another modification loan, although I keep making the agreed-upon monthly payments. Why would I apply for another modification within 7 months?

Well folks, I got a story for you. I have read several of the complaints filed against this company and truly understand your frustrations. I truly hope that the results of your dealings with this company are not the same as mine (see story below).

In Oct 2010, we had fallen 30 days behind in our mortgage payment as a result of several financial slams hitting all at once. I was not working for two months and I would not be receiving a paycheck from the job I just started for three weeks. My husband is a disabled veteran and receives a fixed income monthly and I clean a local church once a week and receive payment for those services once a month on the 1st. In addition, my 16-year-old son injured his knee in football practice and is taking on some medical expenses and my 18-year-old daughter started college resulting in a loan to cover the cost of housing. As a result of my unemployment for two months, all of our utility payments got 30-60 days delinquent. To say the least, we were tapped by September 1, 2010 and praying for some help.

AHMSI sends us this packet to apply for the HAMP loan. I thought, relief at last, we should have no trouble qualifying for this, so I filled out the application. Mind you, I paid very close attention to detail and was very attentive to the documentation required to process the loan (I didn't want the whole thing to drag out forever. Two weeks after sending in the application and supporting documents, I get a letter from AHMSI asking for proof of my husbands VA disability payments (I had already sent them a copy of the check received on the first of October), signed copies of our most recent income tax return (which I had already sent), a copy of the most recent profit and loss statement for my business (No business, just church cleaning-no expenses just had to file a Schedule C on my tax return because they sent me a 1099-Miscellaneous Income statement for tax purposes) This concept apparently was too difficult to comprehend as there were an additional five requests for this information after I explained several times that there is no business. I just clean a church, they provide the supplies and I do the labor. For heaven's sake, couldn't they just have considered the Schedule C a profit and loss statement? Whatever.

So I called and ask them why they are requesting information that was already sent, they say "Sorry, we just don't show that information has been received, just fax it again" So I faxed them the information. Somewhere during this conversation, they suggest that to show good faith and desire to work with the HAMP program, I should send in a payment (monthly payment as good faith), so I run to Western Union, send them a $580.00 payment, call them three minutes after to report the payment had been made. The CSR tells me that he has applied the payment and to have a nice evening.

The following Monday, I get a call at work from AHMSi wanting to know when I will be making a payment on my account. I was confused, I just sent you people $580.00 two days ago and was told that payment was applied. Reply was, I'm sorry ma'am, but I don't think you have made a payment since August. I flipped out and tell her she better check further and find the payment I sent just two days ago. She puts me on hold and after about 10 minutes comes back and tells me "OOh yes, we received your payment, however it has been placed in a holding account because it is not the full amount of the balance in arrears."

Pardon the expression, but this really pissed me off, so I write this two page letter and faxed it to them along with more documents that I had already submitted for the HAMP. We are now in the first week of December and I have faxed my letter and I am anticipating a response soon. Two weeks go by and three, it is now one week before Christmas and I have received nothing, so I called only to receive another request for the same documents I had just faxed three weeks earlier (no mention of my $580.00 payment). Not wanting to spoil the spirit of Christmas, I gathered up the information again and faxed to them. Christmas comes and goes as well as the New Year, it is now the second week of January 2011, no word about our application for the HAMP, so I called. You'll never guess what they told me, "the file has been closed! If you would like to be considered for the HAMP you will need to complete a new application and send in the supporting documents" I'm thinking you have to be kidding me but I just asked him to send me another application I just start over." He says, in the mean time, we need to process a workout in order to stop foreclosure Well, what can we work out, I said. He says, call me back in two days and I will have an accurate amount to bring your account current and we will go from there. Whatever.

I called back but they still don't have an amount to work with, but their best guess is $1,190.00 for twelve months will work, mind you, that's after making a $3,500.00 down payment. Okay, well if I got behind in payments when they were $580.00, what makes you think I'm going to be able to swing $1,190.00 a month for a year, I'll be six feet under from starvation by then.

Silly me, I should have known better, Monday comes and what do I get in the mail, foreclosure papers dated January 19, 2011. I panicked and downloaded the HAMP papers online, completed them and gathered the supporting information again and faxed it all to them twice, just to make sure they got everything this time. Two weeks later, another letter requesting the same information as before. Now here's where it gets **, I continue to receive requests of documents previously sent 3-4 times over the next three months, with the foreclosure date of May 12, 2011, approaching fast. Now, understand that I had made an attempt to send them two additional payments at their suggestion and both were returned to me, so I stopped sending payments and called them every other day to find out what progress was being made on my request of HAMP. Each time I received a request for more information (which I had already sent), the last set of documents sent to them was sent on May 6, and in response to this they send me a letter requesting more documents and informing I had until May 20, 2011 to provide the requested information. I send them the information requested on May 13, and wait for a response, I heard nothing, so on May 23rd, I call and this time they tell me that I didn't get my supporting information in on time and that they could not stall the foreclosure on my home which was scheduled at 11:30, May 23rd.

Yes my home of 14 years was being sold at foreclosure and there was not a thing I could do. The house sells and what do I get in the mail three days later were three letters from AHMSI. The first, saying they had been notified that the house had been abandoned and it was our responsibility to maintain the property to avoid vandalism, etc. The second, requesting additional documentation to continue the processing of our HAMP application (this time they requested information about child support payments and providing proof of receipt of that income) OOH MY GOSH, UUG. (no child support info here?) and the last telling us that we have until June 7, 2011 to provide the requested information (whats up with this, they already sold my house out from under me, they can go ** themselves and take their CEOs and shareholders with them. I really was pissed off at this point, it sickens me that this company is making money off of other people's unfortunate situations, maybe they should put themselves in our shoes for a while. Fortunately for myself and my family, we have a family member who had a vacant house which they offered for us and that is now where we live, but if it had not been for his kindness and concern, we would have been out in the street.

If a class action suit was to be brought against this company, please put my name in the top block. Although the amount received at the foreclosure sale was enough to cover the balance of my mortgage, I lost $42,000.00, plus the mental stress of having to deal with an organization where one hand doesn't know what the other is doing. These types of organizations need to be scrutinized better, I can't understand how they can continue to do business this way and get away with it. I just think they deserve to get where it counts, in the pocketbook, just like what they did to me and my family.

Good luck people, I hope you have more success dealing with these people than I did.

Like MANY others we to have been screwed over by AHMS. We have had our home for 13years. Sad to say we have also have AHMSI (aka Option One) as our mortgage holder. We have sent them more money they I even want to admit. They would tell me that we were behind and needed to send x amount and I would send it everytime. I was so scared that I did whatever they told me. Well after awhile I began to see the pattern with them and decided that I was no longer going to play the game. We contacted an attorney and handed it all over to him. As of last June 2010 is when they told us that we were being forclosed on. Went through the whole process, they continued to call, and then up to the sale date.

The attorney presented the info to the attorneys representing them. The sale date was post poned and post poned and passed on the 3 diffrent attorney's within their firm, then they passed it back to AHMSI and told them to get their records straight. Well we are now into 18 weeks of post ponements and as of June 3, 2011 we are no longer in foreclosure? On June 10, 2011 we received a letter from AHMSI that they are no longer servicing our loan that "Real Time Resolutions" is who we will be making our payments to. Ya, know I thought AHMSI was the worst of the worst.......well I looked this "RTR" up and they are just as crooked as AHMSI.

We faxed the information to our attorney and he is moving forward as needed. They have tried to forclose on this house more times then not. We are current and have been the whole time. I lucky was making all of my payments throught Western Union and kept all of my recpt. The attorney presented all that information to them and then next thing you know no forclosure??? not sure what that's all about but we aren't going to give up just yet. They have caused us so much heartache and stress. I'm not sure how our marriage endured all of this, it was pretty bad for last few years. God help all those that are dealing with these people.

They have taken so much from people! We were even part of the whole "robo signin" all of our paperwork is fraud. On top of all that they are saying we owe more than 30k more then what our paperwork shows? can't give a pay off and can't tell us who owes our mortgage. It makes me sick! I will give you any information that I can to help along the ways as we keep pushing forward. Someone has to be able to stop all this. We just don't know who to trust anymore!

I was Proactive In 2009, I had a client bounce a 14,000 check, which put my Mortgage In the rears, 25 days. I called A.H.M.S.I..Told them I could catch up, they encouraged me to take there "Relief" Program! What Is that I ask...Take 3-4 months off we add to the end of your note. I asked what about my 7% FIXED, we can do better than that they promised! I asked about the Credit Report, we don't report this under modification..The wonderful "Relief" Program arrived! 5% adjustable..( I believe the cap is 12%!) They reported me to the credit Buruea, they slapped a $500,000 Ballon Note on me, and slapped $32,000 on top of my balance!! I trusted them, they encouraged me, they value "MY" business!! And what sucks, excuse me for saying, I didnt need this stupied "RELIEF" Program! I signed out of fear, I called them and pleaded, this is not what you promised, this is your Relief Program??? Sign Mrs ** or we will foreclose!! Are you serious...

They scammed me! I signed, mentally a mess, scared as a single Mom...what do I do!! They Also told me You can apply next year Mrs **! Nice Of them, they already ruined my credit, Charged me a fortune! Tood away my Fixed Rate! Slapped a $500,000 Ballon Note! This is Relief..what happened to the 3-4% FIXED!!!! 2011 I apply again, HOPING for something better, I also had to have Hernia Surgery..which was done March 1 2011! I contacted (Again a year later) Told them a year has past, I need surgery. I asked How long would it take to get an Answer?? 30 Days Mrs **...Its been 8 months!! They have sent me letters every 2 weeks, 1 saying we are missing your childsupport Doc, the next month we have your childsupport letter, 2 months later we have everything we will get back to you In 10 days, 1 month Later we are missing your Tax Return, 23 Letter over 8 Months, each and everyone contradicts each other making it Impossible!

I asked Mr **, From AHMSI why don't they send out ONE letter with all missing at once, why in spurts?? Answer, Can't answer that Mrs **...I have tried to make 2 payments, they refused to except my payment, Im not in foreclosure, still waiting for my Modification, this Is going to be Interesting when ever It arrives!! They have ruined my LIFE!!! I can make payments, I own a company, I have rental Income...I had a couple of bumps, and Im back up! They took advantage of my hardship situation! They are prophiting on this crisis, they are scamming with the "Doc" crap! I have the proof, all the letters...how do you accomplish this process, when they are dragging you down, Nothing But lies! I have asked for a copy or proof of my Note...They wont comply! How can I trust these Idiots!! How do I know were my money Is going??? India, Mexico...No supervisors!! Whats that?

Normally, I make my mortgage payments online, but because I had to call AHSMI to ask the procedure for filing a claim as a result of the tornadoes, the agent said that he would take the payment by phone. I provided him with the checking account information and asked him to read it back. He read it back and said the payment would be processed. Since the payment never hit my bank, I called and was told that the draft was returned because of an incorrect account number. I knew that that was not true because I always ask to have numbers read back.

The second agent who answered the phone apologized and said that he could process the payment by phone. I provided him with the information. He said that he would process the payment on the 16th. I told him that he could process it at any time because the funds were still there. In addition, waiting until the 16th would incur a late fee.

I kept watching my account and the payment never came through for the second time, so I called again. This time, I asked for a manager. The guy came to the phone and said he never saw where anyone had processed the second payment. He apologized and said that he would take the payment by phone. I gave him the banking information and he apologized again and said that he would process the payment. This was on May 19th. I called today May 23rd, only to check to see if he had processed the payment and guess what? I was told by the agent that the manager said that we were disconnected and he was unable to get the information from me in order to process the payment!

Unbelievable, but the God's heaven truth. In the meantime, they have charged me a return check fee (invalid account number they said) and a late payment fee. Late fees when three agents in a row lied as to the processing of the draft.

Citi Mortgage sold my loan to AHMSI. AHMSI did a loan mod for me which was great but within a couple of months, AHMSI notified me that my escrow was short and raised my payments and have raised it each year since, no matter what I do (i.e., got cheaper house insurance). Since AHMSI has had my loan for the last 2 years, I have not received and still not receiving a monthly statement. In February/March 2010, I sent in the payments to bring my account current plus the next month's payment and a separate check for $1,380.00 to be applied to the principal. AHMSI did not apply the payments as noted on the checks. I can get copies of the checks from my FAA Credit Union to prove this. I called them for 3 months about this matter and was told that they would get back to me. This has not happen so far to this date. At that same time, AHMSI locked me out of my online account and would not reset it so I could access my account information.

AHMSI is charging me something called corporate fee. I researched this on the internet and everything that I found stated that this was not legal. This corporate fee varies from 50.00 or higher per month,I believe. I do not know that exact amounts since AHMSI locked me out of my online account last year. When I questioned AHMSI about this, they stated that they could charge the "corporate fees" and that it was in my contact. While on the phone, I asked where in the contact and AHMSI stated on page 4, I told them that I had my contact in front of me and could not see that anywhere on the page they said or any other pages. At that point, they asked me to hold and then hung up on me. AHMSI representatives hang up on me quite often.

It is for this reason that I will not talk to them on the phone. For the year 2010, I had been paying 690.00 a month (escrow included). On 4/1/11, I received an annual escrow account disclosure statement informing me that my escrow was short. The statement shows that my payment for 2010 was $647.08 that is approximately $50.00 differences from what I had paid to AHMSI ($690.00). AHMSI stated in the annual escrow account disclosure statement that my new payments would be $750.48. Everytime I did call, I would get someone overseas and I could not understand what they were saying. I would ask to be transferred to the United States. Sometimes they would transfer me but most of the time they would hang up on me and I would have to keep calling back.

I have also had my own house insurance for the property but AHMSI took out an insurance policy for my house (I have the letters from their insurance company). I called their insurance company and told them that I have and always have had my own insurance. I asked why but I have not gotten any answer However I did get it canceled. When I found your site, I saw that there are numerous complaints with this company. There is a person that stated if someone starts a class action law suit, they would like to be included. I now wonder why nothing is being done about this company and its wrongful practices. Do I need to file a class action law suit? I am sure that I have missed including information but as I remember, I will write it down to send to the Consumer Affairs.

The company, in an error, placed flood insurance on my property. I submitted proof of my insurance to the company, however, they still insisted I owed them. They then opened an escrow account, stopped applying my monthly payments which has caused severe damage to my credit. They are now insisting that I am behind in payments due to them not applying my payments. I have called, with no success. I sent everything certified, now keeping records of everything. I have been dealing with this since Feb. of 2010. I have also filed complaints with BBB, FTC, the Attorney General's offices of Texas and New York and also ripoff report. This company has a history of these types of cases in every state they're in which they service. If there is anyone that has a solution to help me resolve this, help!

I am trying to keep my house from foreclosure. AHMSI offered me the Obama HAMP program. The application process was to make 3 trial payments on time for the months of August, September, and October 2010. I did make my payments on time via Western Union. AHMSI is insisting that I did not make my August payment, even though I provided them with a confirmation receipt. They have been giving me the run around since August 2010.

It is now February 2011. I have followed every requirement they asked for but they won't acknowledge this. I don't know what to do at this point. My house may go into foreclosure because they won't help me with a plan to save my house.

I have tried on 2 different occasions to get my home loan modified only to be told that I do not qualify. Each time, I have been told that there are missing pages or some other lame excuse. They have played games with my money as I do not have an escrow account and I have tried to refinance but have been unable to since my bankruptcy in 2007. They have taken money out of my payment to supposedly pay delinquent taxes which I have never had. That was a joke trying to get that sorted through so I could have my money put back where it belongs. If anyone comes up with a class action lawsuit, I would very much be interested in being included.

I have been unemployed since 6/10 and I am a teacher. We were going to be two weeks behind with our larger mortgage payment. One phone representative talked my husband into the HAMP program with a two-month unemployment deferment and the next three months were to be a reduced payment. All three payments were made on time. All the paper work was sent in on time. The negotiator was "working" on it and said that he would get back to us. We called several times and eventually got a foreclosure notice in the mail on Jan. 21.

We called and they said "that was a mistake." For the last few weeks, we have been unable to find a resolution. They want $2,800 and are holding our $498 in a holding account, which they were conveniently trying to keep that information from us. They told us that we were kicked out of the HAMP program because we did not return their phone calls. My husband and I talk to them at least every other day to see if we could find any information on the modification. Our "negotiator" dropped off the face of the earth. They keep asking us to borrow money from friends and family. That is **.

I feel that they were the ones who talked us into this HAMP program. They should have told us how this would unfold if we didn't qualify or how quick they can kick you out for no reason. I think that the government shouldn't help these mortgage companies because they do not help the homeowner who is just trying to stay in their home. My husband is a veteran who is working his ** off just trying to support us and he has a rare muscle disease (M.D.). I feel that he has fought for his country and now we have to fight with AMSI in order to keep our house for our two children. What a way to live in America. Why is the company called AMSI if all the customer reps do not even live/work in America?

I asked for a "hardship program", I was a single parent and found out I was going to have another child. My job hours went way down, changing my income. I knew I would be unable to afford the current payment, so I asked for the paperwork. I filled out all papers and sent all required information and the company keeps stalling me from an answer. Each time the required allowed days come up they ask for another "required" paper. I have complied with everything they keep asking for but still no answer. I applied for the same "hardship program" with my 2nd mortgage company at the same time and sent the same "required" papers. They gave me an answer within the 60 days required to go over papers.

My attorney states they wrote a bogus mortgage and now I am facing a foreclosure on my family farm of 40 years. They do not intend to work with us. Many other people have had the same issue, robo-signing as well as forgery and falsifying documents. It ruined my credit, plus harassment.

I attempted to gain a modification loan initially in April of 2010. In May, I was informed that the company sent me the wrong paperwork and I would need to fill out additional paperwork and resubmit. I did this and have been submitting and resubmitting the same paperwork for the past eight months. They refused to give me an answer as to whether I qualify for this modification. I submitted paperwork that they feel needs to be adjusted or submitted additional months of bank statements because they have been dragging their feet. They will send me a letter saying that all paperwork was submitted and I will have an answer in 30 days, then a week later, I'll get a phone call that the paperwork is missing and I must submit it to complete the process. I called to find out what paperwork they need and it's the same thing that I've submitted already. The person who was assigned on my modification, Jennifer ** (official title I believe is negotiator), refuses to call me back to explain why this is taking so long. Meanwhile, I am getting further behind in my mortgage payments because I have had a loss in income. I would like an answer. I have investigated the government guidelines and I do believe that I qualify.

Contact Kay **, as she has filed a class-action lawsuit against American Home Mortgage. Just Google her name and you will find all the information that you will need to contact her.

In 2007, they filed foreclosure proceedings against us due to a disputed amount of $900. This was an amount that we knew we had paid and documents were sent numerous times to rectify this error. In order to get them to halt the foreclosure, it was necessary to pay a ridiculous amount which we did not have. It became necessary to cash in insurance policies for their cash value, borrow from family members, cash in my profit sharing account and wipe out our savings. After doing this, they did agree to halt proceedings and increased our payments. The following January, we were informed that our normal payment would be $900 less as one of their representative had wrongly posted the amount and it had been found in a miscellaneous posting on our account. This verifies we were not in arrears and mishandled our account.

Recently, it was brought to our attention that the appraisal on our house was inflated. When we were mortgaging, we were asked if there were any other bills we would like to pay off. We made it very clear only if we had equity in the house. They supplied us with a written appraisal so we were lead to believe the equity was there. We now find that our home is worth much less than they told us. It just seems a reputable, reliable company would not mislead their customers in the manner they have, or would have investigated our documents before beginning foreclosure proceedings.

I was trying to get some corrections on my credit report to get a better credit score to buy a house. I had a foreclosed home in Dec. 2007, so I am unable to purchase a home until three years have passed of the foreclosure date. Well in the process American Home Mortgage Servicing verified that yes the property has been foreclosed as of 2010. I don't know who is the dumb one here AHMS or Experian. I have sent certified letters, faxes, spoken to several representatives of these companies explaining to them that the house was foreclosed in 2007 since June 2010. It's been six months and I have had no good change in my report, only negative. Every month Experian investigates the date of the foreclosure with AHMS that month is the one that appears on my credit report as the date of the foreclosure. Ex: Foreclosure as of July, than Nov.,now Dec 2010. I know they are violating the FCRA and they know it too, but I am tieed of this situation. Experian blames AHMS and AHMS blames Experian for the information being reported.

With the economic crisis in 2008, my business had a loss of revenue causing a tremendous hardship. Due to this, I got behind my mortgage payments. I try to get help from AHMSI (American Home Mortgage Servicing Inc.) and after several attempts, the modification department requested documents and I complied by faxing them. I would call regularly and continue to fax documents, they have kept me with this ongoing situation for one year and a half. The modification department would always advice me I would be qualified for a modification just to fax updated documents, I was going to be placed on a trial pay plan program. I have not seen any progress with all this faxing and calling to follow up. My three daughters, nine grandchildren, and my wife who is in poor health, live here.

In addition, my son-in-law who is active in the US Marines will be coming home for Christmas and I don't want to be out in the streets. I have been desperately trying to work something out with the AHMSI in order to save and keep my property, it appears they don't care. I feel like they are not in compliance with the guidelines of the Making Home Affordable program they signed on July 10, 2009. This is why I request an investigation against AHMSI, I also want to file a complaint for their demeanor in the loan modification process as they don't value the costumer for a single second. I insist AHMSI place me on the permanent Making Home Affordable program they had assured me I would be getting. My wife's poor health is getting worse with this situation.

This is in response to the recent complaints I read about AHM. Please note that as part of the bankruptcy, AHM sold Vantium Capital Markets LP loans and real estate for about $4.2 million. Some of the loans are second-lien and some are non-performing. Vantium is located in Irving, TX.

I recently ad them to take more out of my bank account then was supposed to be taken. They claim they have no record of anything taken out. They want me to get a copy of my bank statement and fax to them. I don't want to do anything else with them at all. I don't trust them. They could wipe out my whole bank account! What to do?

They also, have taken several payments at once when I was behind on a payment and told me I was paid up through November 2010. Now they say I need a large amount to be caught up since I haven't made a payment to them since they told me I didn't make that payment! I need help on deciding what to do next. I am running out of time before they foreclose.

These people are absolutely horrible! First their customer service representatives, you cannot understand horrible accents. They have absolutely no compassion even with one month late. They constantly change the figures! At this point, I don't know what is my mortgage payment. They refuse to work with you. No matter what you send them and when the next day they are calling you asking for more money. The phone calls do not stop.

While experiencing disappointment and stress, I am seeking help and/or advice on how to handle the situation I found myself in after trying to purchase a foreclosed home at **, listed by American Home Mortgage Servicing, Inc. of Irving, TX. American Home Mortgage Servicing, Inc. put the Camden Way property on the market without holding the deed and/or clear title to the property. I was allowed to waste approximately five months of extremely valuable time (including all of my summer vacation from teaching school) in preparation for purchasing this property. It was not until my time had expired on several different fronts and three work days prior to our third (delayed) closing date that I discovered that American Home Mortgage Servicing could not legally sell the property.

However, AHMS never admitted that to me. It was not until my real estate agent and I investigated why it was taking AHMS so long to complete their closing procedures that we discovered the problem related to the deed and clear title of the property. My letter to AHMS dated 10/07/10 explaining some of the emotional distress and financial lost I am experiencing due to them putting this property on the market under those conditions and allowing me to waste so much time in an attempt to purchase the property. As of this writing, AHMS has not responded to my letter. Your advice and assistance in this matter will be greatly appreciated.

To date, we have lost approximately $16,993.81 (the amount is increasing daily) and 3 and 1/2 months of very valuable time, due to your company putting this property on the market and not being able to legally sell it.

AHMSI was helping us get a Making homes affordable loan modification. They told us it would lower our payments and bring us current on the loan. After they lead us on for almost a year, they finalized it and dated the contracts for June 1st, the date it would have been final had they not drag it out. I asked our negotiator Robyn ** about the June 1 date and she said it was nothing to worry about. It would not have any affect on anything. I received our first payment notice on October 30, the payment was due November 1st for $772, or the original payment was $707. The paper also said that that was our June 1st payment.

When I called the company to ask about it, they sent me to their outsourced call center where I got a guy I could barely understand. He told me I was 5 months behind on my loan and needed to catch it up now. I informed him that he was wrong and asked for a manager. I was told there was not one available. I asked for a complaint department and was told that there was not one. All complaints had to be sent in writing to a fax number.

So we have jumped through all their hoops, paid all the payments on time, and done everything asked of us for almost a year just to be put right back where we were to begin with, foreclosure! The payments were supposedly income-based, but the way we figured them, there is no way that amount is 30% of my husband's income. Now the loan is far more than the house is worth so we can't even refinance with a real bank and get a decent loan.

We have stretched ourselves thin trying to keep up on everything. We are unable to get a good loan because the house is not worth the amount they have inflated it to, and we will now have to catch up with the five months or go back to foreclosure.

Our home loan has been bought out by several companies and has ended up with AHMSI in Texas. I have filed for a modification two times only to be asked to send all the required documents which we have both times and only to be turned down twice. I will not lose my home because of this crooked company and I have read others that are having or have had similar situations with several of them losing their homes. When will someone fight for our rights as home owners? I have had to file bankruptcy and I carry a second mortgage on my home the second with HFC. HFC has bent over backwards to lower our payments but AHMSI has done just the opposite. It's as if they want to repo my home so as to turn around and make more money out of it.

What is wrong with this country when things happen like this? Our president set up a program to help home owners retain their homes and companies like AHMSI act as if they are going to help you only to turn around and say they will not or cannot help, at the same time collect Federal funds. What can we do? I'm not a bum. I'm making the payments that we agreed to make at the time of the bankruptcy only to have them say they never agreed to anything and then we start getting these certified letters from their attorney saying we are going to lose our home. I need someone to look into this company. I need a lawyer that will fight for my rights as an American home owner and we need to run companies like AHMSI out of this type of business. Who can help me fight these people?Just who?

I have been dealing with this mortgage company AHMSI also I want to find people that had issues also to start up a class action lawsuit please anyone have any issues with them please come forth and contact me at ** thank you so much.

In 2007-2008, we had been advised that our home was going to be foreclosed on due to two missed payments. This was not correct. It was an absolute nightmare. I ended up paying for their attorney's fees, I spoke to 50 different people, I never received the correct information, I asked individuals for their full name and they would not provide it, I asked for identification or ways of tracking the information that was discussed during the call and was given the run-around.

I ended up cashing in my 401(k) and getting a loan from a family member that I have paid back in order for me to have my account "up to date". A year later, they sent me a "credit" because of an overpayment. It wasn't an over payment, it was the original amount that they had said they never received. I paid AHMSI attorney fees as well as so many additional charges and fees that amounted to thousands of dollars. I felt like I was the only one and wasn't sure what I could do. What they did was wrong. I am an educated person and I couldn't fix this so I just paid what they said I needed to pay. I am a divorced mother of two and could not afford to lose my home.

Of course, I'm writing about a bad experience with American Home Mortgage Serving, Inc. (AHMSI). I can't seem to find anything good about this mortgage company or any other one. It is a shame companies are so impersonal with the people they have as clients.

My dealings with AHMSI have never been good from day one, when my loan was sold to them. I've always paid my mortgage on time along with my other debts. I've had the loan for five years now, and unfortunately, like so many of us today, I'm unemployed and struggle from day to day. I have a loan which had a maturity date where I was paying on the interest for the first five years and then principal was added into the monthly payment. The only reason we did such a loan was this was an investment and we never intended on keeping it past the five years. But, we all know what happened to the economy in 2007, so we are stuck with a house I owe $280,000 and might get $180,000 if I sold it. In order to save my credit, I have made a decision to keep the house and continue to make the payments.

I was laid off from my job in May 2010 and have relied on family to help me out as much as possible. My payments were never more than 5-10 days past the due date. The loan payment went up at the same time I was laid off. So I started to make the extra amount two months after I realized they went up. Knowing I had an extra $520 to make up on the account, I continued to make all monthly payments. I checked my credit report and found that AHMSI had reported me being late on my payments. When I inquired, I was told since I didn't make the full amount the first two months of the new monthly payment, the payments were not applied until a month later. This is how they kept the full amount for each month. Stupid way to do business, but I was told all mortgage companies do that.

In talking with AHMSI, they said they wouldn't remove any bad marks, but are doing everything to help me. I was very confused, since all they wanted was their money, no deferments, no excuses, no help. I paid my bill and caught up all my late fees, but they refused to work with me. When I asked, I've made all my payments on time and have been a good customer, then you can take the bad marks off my credit file. They said yes, you are a good customer, and no, we will not remove any bad marks and we are helping you.

The short of this is all my other creditors understand and have worked with me on my loans, except AHMSI. I can only say this is wrong and I can only hope someday everyone will put people like this out of business.

I have a mortgage that was sold at least two times. I was with option one and they sold it to American Home Mortgage. I have been paying my mortgage sometimes late and not complete but still paying and suddenly, they decide to foreclose on me and did not accept payments. I have contact them but they are more confused than I am. I called one time and was told that I was current hang the phone and called again and say they did not know or transfer me to another department and then hang. No letter or foreclosure or how much I owe been received at home.

The web says that foreclosure final to some attorney; I called attorney and they say that they don't have any paperwork in my case. It's been four months and nothing; I am still living in the house but for how long.

I honestly don't know where to turn. The Better Business Bureau was basically useless with my problem as the mortgage company in question is not affiliated with them.

I have been trying repeatedly to get our mortgage statements in the mail. I (foolishly) signed up for paperless billing. Ever since then I have had nothing but trouble with this company! I cannot log into our account ever, I have called them at least 10 times about this, and I keep getting the run-around. The call representative keeps saying they are mailing our statement (when they only send it by email). All of their other correspondence arrives at our address. I have attempted changing our password, but their website never recognizes it then locks me out every single time.

Last Monday (October 4, 2010), I finally thought this problem was solved when the call representative suggested that I open a new username and password. It worked once! Of course, I made our mortgage payment at the time (plus the $5.95 processing fee!). I even wrote down my new user name and password. This morning (Saturday, October 9, 2010), their website (again) refused to recognize my password. So I changed it, and it didn't recognize that one! To compound this problem, I don't own a computer, so I have to use the one at work (this is usually during the weekend, overnight hours. American Home Mortgage does not have a 24-hour call center.) I am at my wits end! I know this company is jerking us around! They don't want to send a paper statement because they lose out on online payment fees or their pay-over-the-phone fees!

What are our rights regarding this? I don't feel right about sending our payment without the billing statement, but unless I can get online (that is, with the dubious help of their call representatives if I can get access to a computer during their business hours) to at least print my latest statement, I feel I have no choice but to use their online or over-the-phone payment options. This is not right!

The home modification loan they gave us increased our monthly payments; we pay $951.00 a month principle. The principle went up to $1,029.59. They increased us to $1,296.25. They increased our interest rate from 4.0 to 4.370%. They added our home insurance and taxes, these numbers are not correct and added "Total Amount Capitalized" $6,394.89. We have requested numerous times as to what company owns our mortgage as this company is just a monthly collector and not a Mortgage Company. I think they are using some sort of stimulus money in the "Save Our Home" program, not sure what they are actually doing.

I don't have enough time or space to write my entire complaint. This company is horrible! I have had my insurance send 3 faxes and called 3 times to correct the mix up. They keep charging me $394.83 extra a month for insurance. I already have insurance. This has gone on since May. They said I would not get the entire sum back. Why, I don't know! They can't seem to get it cleared up. I am contacting a lawyer. This has caused me financial problems. They now owe me at least $1600.00. This is a major stress.

I don't have enough time or space to write my entire complaint. This company is horrible! I have had my insurance send 3 faxes and called 3 times to correct the mix up. They keep charging me $394.83 extra dollars a month for insurance. I already have insurance. This has gone on since May. They said I would not get the entire sum back. Why, I don't know!! They can't seem to get it cleared up. I am contacting a lawyer.

AHMSI approved multiple loan modifications after coercing borrower-myself to miss at least two consecutive payments. After approval of one loan modification, I sent through Western Union $5,000 at their request. They then said because of my loan program, ARM product I did not qualify so I was even many more months delinquent. My last approval was at a 2% rate and they foreclosed "by accident" is what a rep stated to me on the phone.

I had a realtor working hard to short sale my home in North Port, Fl. AHMSI was working with me and the Realtor. We got a new negotiator who saw that two of the buyers walked so without calling, he sent the home through to foreclosure. However, when I called him, he promised that if I could get a contract to him by Friday, Sept. 24 he would stop the sale. My realtor found a buyer that same day and faxed Jeff everything. However, the next day the house was foreclosed on anyway. When I called him back he would not answer. He also won't return any of my e-mails. So I called their customer service department and the woman would not give me the name of Jeff's boss. So I asked for the company president's name. After being put on hold for 18 minutes, she gave me the guy's name but refused to give me the company address to send a complaint letter to. She said there was no way to speak to the CEO because I am a "nobody". Then she said to me "you know what?" and hung up on me.

After months of working with this company, they simply turned against me and lied. This is an awful company and I wouldn't wish them on anyone. They would not work with me, which is why I ended up walking in the first place. I answered the phone every time they called me at work. I was straight forward and honest with them, but in the end none of that mattered. They lied to me and it seems it was encouraged by the customer service department. I'm so aggravated that I was lied to. The state of Florida wants the short sales and not foreclosures and instead this company lied to me and foreclosed anyway. They will get all of $15,000 for the house. They are a terrible company to deal with.

My husband and I, about a year ago, got 3 or 4 mos. behind on our mortgage with American Home Mortgage Servicing, Inc. We had to pay around $2500 which we did not have and had to borrow from a friend who we still owe to keep from losing our home. In addition, we got put on a repayment plan that brought our note from $847 up to $1303.98 per month for the next 12 months. We have been struggling to pay it but have. In August of this year, however, I only paid around $500 to $700 on my August payment. I set up a plan on our budget to pay by the end of October, the rest of August's note, September's and Octobers note.

I called to let them know and they said I have not paid since June 2010 and that is not true. I went through all my records that I can find and did indeed find my money orders receipt showing I paid July's note and they (AHMSI) does show I paid on August's note. Because I pay in pieces of the $1303.98, they put the money in a miscellaneous account. I think all my money is sitting there but every time I call it is difficult because the people answering the phone are from India and there is communication issues.

They are sending me as of last Friday a print out in the mail of everything I paid for the last year. I cannot wait to see this. I hope it shows where they have been posting my payments because I don't think they post them right. When I kept questioning where they put my payments, they kept going back to a year ago when we were behind and they act like that is the reason I am behind now. But the repayment plan we are on and the $2500 or so we paid should have fixed all the late stuff from a year ago. I don't get it.

The website of AHMSI shows we did make the June and July's payment and shows about half of August's payment which is correct and June and July were sent in their entirety, not partial payments like i usually do sometimes. And they still posted them to miscellaneous and/or suspense accounts. Why did this happen and how can I get it posted correctly? I am desperate here and can barely make the payment as it is. We are struggling so very bad and now my payments are not even being posted correctly. Trying to take care of this is stressful, taking time away from my new job which I must have to make these payments. They don't understand and I don't understand them. I need someone who is fluent in English as their native language to assist me.

We paid our taxes and AMHS said that we didn't, so they paid them and we paid them. They set up an escrow and we paid into it for the back taxes and the new ones which were fine and I finally got all of that paid to them. To my surprise, they hadn't paid the county and I got a foreclosure for back taxes for three years which they couldn't find my money. They finally did pay them but charged us all the late fees to us. So they said that we were over $5000.00 short and my payments went up from $2100 to $3200 for six months. They almost broke us. I can see why people just walk away from their homes. They are an awful company and they need to give the people back all the money that they owe them.

My husband and I had an account with Citi Residential and it was sold to American Home Mortgage. In September, we were told that we had not sent in a payment. And we were later told that it was short paid by a penny and the payment could not be applied. We then continued to send in our payments for October, November, and December, only to find out that the payments were not being received by American Home Mortgage and sitting at Western Union. We called American Home Mortgage again and were told that they did have the payments. They told us to sign a new agreement since they had put our home in foreclosure. This would give us a new date that was in January of 2010.

Well, we later learned that even though we signed the new form, the agreement had never been entered into the system. When I called, I spoke with someone in the "Home Retention Department". He told me that it was their fault that the payments had not been applied and that agreement was done over the web by me. American Home Mortgage did receive it but never entered the information. Someone from the Home Retention Department did call and then did a loan modification and lowered the payment, and told me to go and get my money back from Western Union and keep it. They never made any adjustments to the credit bureaus and listed me as late for 120 days for September to December. I still have the receipts where Western Union returned the money to me. American Home Mortgage refused to accept the payments. They stink as a mortgage company. And every time I call them, I speak with someone from India that does not speak fluent English. I wish there was something that I would do about them doing this.

My mother suffered a stroke which left her with right sided weakness and an inability to speak. She lives in Florida and I live in Kentucky although, she is in a rehab facility in Kentucky. I have obtained her Power of Attorney. I have been trying to keep all her bills current and have had a very difficult time working with her mortgage company, AHMSI. I sent a fax to AHMSI on 8/5 but did not get a response. On 8/16, I called customer service and was put on hold for 19 minutes. I hung up and called back. I was told that my fax was received but that they would not change the billing address without speaking to my mother. I told the man very clearly that she was unable to speak.

I sent a fax on 8/16 and then was able to access her account via their website. I sent a check from her account a couple of days later. Her check has still not been cashed and I have received calls every day on my cell phone from AHMSI. I feel very strongly that my mother should not have to pay the late fee because I did everything I could to pay this bill prior to the late fee assessment on 8/16. I have also received a letter from AHMSI saying that they would not honor the power of attorney because it was not notarized. The POA most certainly was notarized as the notary's name is listed but the stamp did not copy. I sent a copy not the original.

My mortgage was 'sold' by Citibank in 2009 to AHMSI. From then on, all good customer service ceased to exist.

I submitted an application with necessary documents for a loan modification in October 2009. The last time I spoke to them they said there would be a resolution within 24 hrs-that was over a month ago. On August 15th, I called to verify payment was received for my August bill. I was informed there were additional charges that involved property taxes ($327.00 mo) and home owners insurance ($67.00 mo). She said this was because of the loan modification. I told her no one had notified me of anything pertaining to this. I told her $327.00 a mo exceeded what I will owe. She said she would pass that information on. I have not heard anything.

Today I tried to make a partial payment online and could not do so. Their system is set up to take what the initial bill is for and nothing else. I know my problems aren't anything like what I read on your website, but AHMSI appears to me quite predatory and without the very basics of good quality customer service. When I call to ask questions I get varying answers. Often, I have trouble understanding what they are saying due to poor English skills.

Our original finance company sold the remaining balance to American Home Mortgage about 2 years ago. Everything was fine up until about 3 months ago. We pay our taxes bi-monthly to the Tarrant County Appraisal separate from the finance company. We have been doing this the past 10 years with no problem. We got a notice from American Home Mortgage that we are delinquent on our taxes. They were due on June 30th. This was the first part of June when we received this letter. My wife thought it was a mistake and paid our taxes on time according to the Tarrant County Appraisal calendar. We received another letter from AHM that we did not pay our taxes. My wife called the Tarrant County Appraisal office and they assured us we were paid and this must be a mix up with AHM. They sent a letter to us to send to AHM showing we were fine.

After several days of my wife trying to get this straight, AHM informed us they are setting us up with an escrow account to protect themselves. Our house payment went up $800.00. My wife informed them they could not just do this since our house payment and taxes have always been on time. My wife also informed us that they have to follow the Texas law. The supervisor there said Federal Law trumps state law. I found that amusing since this company is located in Coppell, Texas. The supervisor informed us if we were going to be having trouble making payments that President Obama had a refinancing plan available. This sounds very much to me like a scam. If one looks at the BBB with company, there are many just like me experiencing the same problems.

I have been trying to work with these people since March. Every week I refax the same information, only to be told they did not receive this form. Now they have me in foreclosure. And again, I cannot get a straight answer or a dollar amount to avoid and stop the foreclosure! I am trying very hard to keep my home and my integrity, but I cannot get through to these people. All phone calls go directly to India, and every person has a different answer. This is a possible foreclosure!

I applied for the "Making Home Affordable Program" in February 2010 because I knew we were going to have issues paying our mortgage in March due to my husband being unemployed and our savings being gone due to us staying current until March.I sent all the needed documentation and confirmed with them that they received everything they need. I was told a negotiator would be in contact with me in 30-60 days, I never heard, back.

I called in May and they stated that they did not receive the needed paperwork and that they needed recent pay stubs and bank statements. I told them I already faxed them back in February and they said they needed current one, well by May my husband found a job and we needed help to just get current with the payments. They said that we could still qualify even though he was working. We went ahead and sent them the recent pay stubs and told them that we are trying to get caught up with all of our bills and it would be helpful if they could just defer the payments we are late on. They told me to call in every other week to check the progress of the application. I did, and just this weekend I received a letter stating that we were denied due to our income to debt ratio.

I am 2 months behind and now have to figure out how to get out of this hole. I agree that there needs to be a legal suit against this company, something is not right with they way they treat customers, I have been hung up on a lot when they have to answer questions about their failures. Now we can get no help from them, luckily my husband and I are working now and can hopefully pay two payments at a time to get through this, I just hope, after reading on this page, that they have not started foreclosure processes.

Economically this has been difficult to deal with. Even though you find work and become employed you have to catch up not only with your mortgage but with all your other bills. Even though you are working it still takes a few months to get out of the hardship and mortgage companies do not take that into consideration. And what is up with the income to debt ratio, isn't that why people are needing help? So once again the rich get assistance for their mortgage but the working class does not make enough to get help with their mortgage, make no sense to me. Mentally this has been a nightmare and has caused anxiety, depression and worry. My husband I have fought like crazy and we are trying to fight this as best we can.

Due to my husband's injury, in 2009, we attempted to negotiate a loan modification directly with AHMSI. TARP funds were issued to them on July 24, 2009 in the amount of $1,594,090,000 for Incentive Payments for Home Loan Modification. December 2009, we submitted request for loan modification. My husband was on temp disability from Jan 2009 to Oct 2009 due to a back injury. November 2009, we left several messages for Ms. Letikra ** (assigned negotiator) because my husband attempted to return to work but found that he was unable to do so due to severity of his back injury from 2009.

We attempted to provide status update of our situation but no one returned our calls. May 2010, we received loan modification offer based on the information from December 2009. However, the information was no longer accurate. We had until June 30th to accept loan mod offer. However, May 24, 2010, I emailed to AHMSI our updated situation with backup documentation (doctor's letters, MRI results, my paycheck stubs). I also sent the same info via certified letter to American Home Mortgage Servicing, Inc., P.O. Box 631730, Irving, TX 75063-1730. On July 2010, we received a response from AHMSI stating that we did not respond by June 30th. But we did! August 2010, we have left several messages for Ms. ** and her supervisor. No response yet.

Much the same as many of the reports. They made erroneous charges to the escrow account which we never ever set up in the beginning, claiming they were paying property taxes. They never paid the taxes but claimed they needed another $425/month to cover the escrow account. I refuse to pay as I have all the checks and payments to show all payments were on time.

They have filed a negative report on my credit file for which I have now been refused credit to refinance the home. I believe this is their 'modus operandi' in order to prevent people refinancing. They are now threatening foreclosure and all the usual threats with further credit reporting etc. You cannot get the same story twice from anyone, or any sense from anyone. I am now prepared to take this to court. Hopefully there are other Floridians who will join me in this.

I went to my County Tax Office to pay my 2009 property tax June 28, 2010. When I went to pay, I was advised that Sterling Tax Solutions had paid it. I asked the Clerk for a phone number so I can call this company, they had no information on it. I did a search online and could not find it. I then called American Home Mortgage Servicing Inc., to find out what was going on, but I could not get a straight answer. I told the woman that I want to pay my property tax immediately and she took my payment of $1,592.65, plus a s/c of $9.95, because it was a payment by phone. I made my self very clear as to what this payment was for "My Property Tax reimbursement to AHMSI.

Was advised to write a letter to their Resolution Department, which I did on July 1, 2010, sent by Certified Mail Return Receipt to P.O. Box 61730, Irving, TX 75063, also Faxed it to said Department. I also, mailed my July Mortgage payment of $571.65, to their Physical Address: S. Beltline Rd., Coppell, Tx., 75019 by Certified Mail Return Receipt. Department, regarding this issue, which I did. Sent Certified Mail RR, also Faxed it to them on July 1, 2010 (866-). AHMSI went and opened up an Escrow Account, which I am disputing, which has brought my monthly mortgage payment up to $914.84. They refuse to change this. I am a 63 yr. old widow. I do not make $1,000.00 a wk. and the escrow account is way over what my property taxes are by $4118.28 for the year. I have never been late with a mortgage payment, or my property tax until 2009, due to health issues so I held off payment of my property tax. I also asked, in writing, who actually owns my mortgage.

I gave them till June 30, 2010 to respond, they haven't. It seems as though this company is more interested in taking peoples homes and over charging. The monies I have sent them they are not applying it to where it is supposed to go. I am not in trouble yet, but if I allow this company to do what they are doing, they are going to cause me to loose my house! I have done some research and found that Customer Service Representatives are from other countries. The last person I spoke with was from India.

The Tax-Related Inquiries is located in North Carolina. I spoke with a woman named, Joy, I asked for the physical address and she refused, just offered me a P.O. Box #. I asked her where is the actual location of AHMSI and she said Calf., but had no idea of the address or just didn't want to tell me. Whoever or Whatever this company is, they are not working for the good of the homeowners. It seems as though they are more interested in how much money and stress they can put on their customers. My original mortgage was with Option One. If AMHSI continues with what they are doing I will have a serious problem.

American Home Mortgate Service Inc. placed forced lender Windstorm Insurance on my home when I in fact had insurance already. This was back in November 2009. They claim to have removed it, but after some fancy accounting, my note was still $100/month higher than before they jacked with it.

They temporarily ruined our credit. They have harassed us through mail and phone calls. I have seen my doctor and had several tests run to find why I am experiencing stomach and chest pains, which I attribute directly to the stress brought on by AHMSI. They've threatened me with foreclosure by way of some outside law firm. I'm not giving these thieves one dime more than I think I owe them.

Don't lay down, stand up and fight. I have managed to get them to correct my credit score, and issue a letter of apology, admitting their error and I am giving them 60 days to get the account where I think it should be. There are laws and you have a contract whether it originated with them or someone else.

We have lived in the same home with the same mortgage from American Home Mortgage since 2005 and have never been late on a payment. Here begins the story of the biggest nightmare in customer service in my life. Nothing in my 20+ years as an adult comes close to matching the aggravation, utter incompetence and stress inflicted by this company. Back in February 2010, we received our monthly statement from AHMS Inc. Included was our annual escrow analysis which indicated that our new monthly payment was to increase from $1,844 to $3,124! Additionally it indicated that the balance was negative $5000.00+!!

After the initial shock, we called AHMS Inc. for an explanation of what we thought had to be a mistake and some guidance for how to correct whatever caused the situation. We made no fewer than six attempts to navigate the mind-numbing VRU (voice response unit) only to be patched over to an outsourced call center in India for "assistance". The people in India, while polite, were totally untrained in how to handle any sort of dispute of this sort nor did they know how to properly escalate matters that exceeded their ability. Two of the representatives actually insisted that a property tax or an insurance rate increase were the only possible ways this could have taken place.

Meanwhile, our property taxes have not gone up by more than a couple hundred dollars over the last 5 years and our insurance rates have actually dropped and everything has always been paid up and current. Worse than hiring poorly trained call center staff, AHMS Inc. seems to have deliberately created a system that makes it virtually impossible (short of hiring an attorney and taking legal action) to access the key people that might be able to solve real problems. I finally tried selecting for the Spanish-speaking option in an effort to get a hold of someone outside of the Indian call center and ironically, I was connected to a bi-lingual call center in Texas. It was with the help of one of their reps that we were able to determine that AHMS Inc. has made a huge error calculating my property taxes and then missed the error for an entire year before realizing that my tax bill for county and city taxes were collected at a rate of $0.15 on the dollar.

Although it took AHMS Inc. over a year to catch their error, they required that we pay to fix it in 30 days. As if this double standard wasn't insulting enough, while we worked for (literally) over two months with the Executive Liaison group to work out a repayment plan, AHMS Inc. misapplied our monthly mortgage payments (applying the entire sum to the escrow shortage). This was not clear until we received a letter from AHMS Inc. indicating that we were past due and 'could' have our credit impacted.

Having never missed a payment to date, but also witnessing the strategic incompetence of this firm, I was concerned about the letter. My wife and I had both of our credit files pulled from all three reporting bureaus and to our horror we learned that AHMS Inc. erroneously reported us as having missed our payments by 30 and 60 days and that we had a balance due of over $9000 (the amount they should have been collecting monthly over the previous year and a half). Our credit scores have fallen from 780s to 635! We have been diligently fighting this battle ever since (today is July 23, 2010). Only after hiring a lawyer have we just yesterday received a letter from them acknowledging that they made an error and that the credit reporting bureaus would be asked to correct this error.

I have personally been on the phone with AHMS Inc. no less than 30 times during this 5 month ordeal and have lost over 60 hours of my time writing letters explaining and re-explaining, verifying, etc. since this nightmare began. My wife and I lost out on the ability to participate in a very important investment opportunity due to our credit being destroyed by AHMS Inc. P.S. I am a licensed real estate broker and have a dual degree in Finance and Economics so I know how this stuff is supposed to work. Absolutely despicable. Our credit scores have fallen from 780 to 635.

I did a short sale on my home. I was told by a representative that the modification I had applied for was not approved and before they could submit new information for the short sale, we had to wait until the denial of the modification was final. I was told by another representative that the denial was final and that the paperwork for the short sale was already with a negotiator by the name of Tim N.

In the meantime I got a real-estate agent to list the property. After some time had passed, a few weeks I'd say. I called to find out updates on the short sale and was told that my paperwork was not submitted for a short sale. I argued back and forth and asked to speak to a supervisor. The female rep transferred me to a young man who informed me that Tim was the negotiator for the modification not for the short sale.

He told me that actually it worked in my favor because he can now enter me into the H.A.F.A program he explained that it is a faster process than a regular short sale. He told me I qualified for it and entered me into. I received a letter May 21st saying that they had not received my income information even though I had faxed it with the HAFA form. My real estate faxed the income information the same day. Then I got another letter dated May 25th 2010 saying that I did not get approved for the HAFA because I did get the information back in time. Then I received another, dated for the same say May 25th, saying that they did get the information and that a negotiator would be contacting me.

When I called A.H.M.S, I was told by a representative that the letter was a cross in the mail and that they had received all the information they needed on May 22nd. She told me the negotiators name was Haley L. I was under the impression that I was in the HAFA program all the way to the date of closing.

When closing came I expected to get a check for 3k and I did not. When I called Haley she told me that there was no record of me being entered into the HAFA program and that once they received the proceeds from the sale it would close under a regular short sale and not HAFA. Haley and another representative told me they would not honor the HAFA program because it showed I did not get my information back in time. I requested to talk to Haley's supervisor but did not get an extension for him. I was transferred to his voicemail. I left a message with him and he never returned it. They know they are wrong for what they are doing.

AHMSI took over my mortgage after Taylor, Bean & Whitaker Mortgage went into bankruptcy. I was welcomed to AHMSI on 10/1/2009 and my first payment was due on 12/1/2010. The first payment I made was on 10/31/2010 and made every payment ahead of time, and was always receipted by AHMSI before the end of the month. On 4/7/2010, they showed payment correction on two (2) payments at the same time. Every time I called, I was told a different tale by a different representative. I was sent an email after I had faxed everything they asked for and was told that they couldn't figure out exactly what I was referring to, but I owed the $2400. My payment had already gone up from $1066.00 with Taylor, Bean & Whitaker Mortgage to $1209.00 with these guys because of Escrow Shortage according to them.

I finally wound up sending them $1016.81 on 6/11/2010, $700.00 on 6/21/2010 and $715.00 on 6/27/2010. I was then told that I still owed $495.00 to get my account current. I sent them a check for $496.00 on 7/7/2010. I have sent them numerous emails asking for the documentation that I owe them that money, but they continue to ignore me. I don't believe any thing that any one tells me from AHMSI. I wish they would sell my mortgage to a reputable mortgage company. I wish the Consumer Affairs Department would not only investigate these guys, but I hope and pray your office can close their doors and make them repay all the funds they have stolen from myself as well as other American citizens who have had to deal with the arrogant employees of AHMSI. My loan # is **. Please help me and my family.

I am trying to modify my loan with the HOPE Now but AHMSI is being very difficult. They keep asking for the same documents over, and over again. I have sent them the same documents five times and they continue to ask for them. I've made a phone call hoping to settle the issue and did everything the customer service rep told me to do. Again, they have asked for the same records.

I can't get any help from these people. They want me to go into foreclosure. I need some kind of assistance with these ignorant people. I have only a couple of weeks to settle my issue before I go into foreclosure. I don't want to lose my home. Since AHMSI is not cooperating, I will lose my home. I cannot work with their modification program by paying an additional amount of money since I don't have the extra cash in the first place. If I did, I would not have to modify my loan.

I put in for a modification in the early part of 2008 but I did not get it until 2010 then I was charged over $5000 to do it . I was told that everything was included in the mortgage but after the papers were signed and the wording was not put in a way that was understood by me. I am now paying the mortgage with the homeowners insurance in it and also out of pocket homeowners insurance. I was told that the homeowners insurance I am paying in the mortgage is for the year 2011.

I don't trust this company because they had me file for bankruptcy. I have never done that and I also found out if you fill for bankruptcy, you can't get a modification and also there is no charge for getting one. I am now paying $4332 a year for homeowners insurance and as they stated my escrow was short and now I am paying more out to them then before I got the modification.

I filed with the Attorney General and the FTC on this company because that is the reason a lot of people here are losing because of companies like these. The government needs to step up to the plate and help homeowners like me who is 66 years old and had to fight to keep their homes. I am paying double homeowners insurance, I took a second job, and am just stressed out about this. I am also disabled and the second job has taken a toll on me. My son has been helping also.

We have been trying since June 2006 to obtain all documents that we signed on 2-7-2006. And again on 3-10-2006, attorneys have sent 3 "qualified written request" per RESPA section 6, and we have sent 2 of the same qualified request. However 99% of the information we have requested has been denied. We have also spent over $400.00 in fax fees, requesting the same information only to hear nothing in return.

We also have mailed 24 letters by certified and registered letters, requesting information. And we have received 15 letters from this company stating that they have received our letters and that they are working on the problem and to please give them 30 days to respond and 60 days for closure. The first letters were sent out in 2006, and the last letters were sent out in 2010.

However, the letters were from employees named sincerely and respectfully--99% of the 300+ employees who we have came in contact with, both receiving and making calls were from the country of India who cannot speak nor understand the English language. And they are reading from a script. The people from the USA were just as unqualified--99% of all employees have no last name or no full name, and the names they gave and the company ID numbers were false.

We have contacted over 10 government agencies, the CCC, the FTC, the BBB, the Missouri attorney general, the FBI, the local and county police department, the US Attorneys' Office, the AARP group, the Mortgage Banking Association, local mortgage lending personnel, and 5 different law firms who just take your money with nothing in return. Because this company cannot or will not supply us with the exact payoff, and they do not know who or where the trustee on the deed of trust is, there is no correct/accurate legal description on any of the documents.

They do not know who is the holder of the note; they cannot or will not supply us with all copies of the note that we signed in 2006, but somehow they decided that they would change the amount of the note. And then, they changed the monthly escrow and note payments, but they will not show how/why they could do this.

We have just applied for a forensic loan audit on all of the paperwork that was left at our home in February and March 2006; however, the paperwork we have and what was filed at the court house are two different documents. The settlement agent in March filled out the paperwork known as errors and omissions on the note, and we have never heard anything about all of the clerical errors and/or all of the incorrect and misleading items on the paperwork.

The companies, including the new server, all have filed bankruptcy and/or Chapter 11. Also, the new server was purchased out of bankruptcy by a rich man out of Texas called Wilbur **. However, when I contacted our US senators, they filed paperwork with the FTC and the BBB. But neither of these firms will release any information without a law firm subpoena at a cost of over $2,000.00.

And the 3 major credit reporting companies also have a very large number of complaints. However to look at them will also cost $1,000.00 per company. As many people just like me are complaining and many people like my self are looking for a law firm with which all of can join a class action law suit and spread out the large fees, most law firms ask upfront before they will do anything.

I have found through the internet dockets, justia.com, that there are over 40 lawsuits in 16 different states and DC area. But the state of Missouri is broke or underfunded and undermanned and will not even look into this company. I do not know if I can be a party to a lawsuit filed in another state. If so, I need to know when, where, and how to become a party to filing a suit against them.

We cannot sell the home, because we do not have a clear title listed at the Green County Court House. Only the home address is listed on the deed of trust. We need someone who is smart and knows the ins and outs about the mortgage note and can give us advice and lead us in the right direction or help us make the right decisions.

This company took out an additional insurance policy, and they are now listed as the owners. And we are paying for this additional policy. To add, we have been threatened by them 4 times over the phone who were telling us that if we do not pay them large sums of money by certified check or money orders, they would burn the home down and collect the insurance.

Now, we have auto stopping on the street and pulling down into our driveway which was taking pictures and then driving away very fast. We are stressed to the limit and have very little sleep. We have ways to stop them, if they enter the home. But all law personnel and our insurance company know what is going on. However, if the home burns down with us and all of our paperwork destroyed, who will they look for?

And my questions are who enforces all of the rules of the mortgage notes and who makes these companies follow the rules and regulations. If the lawyers do not know what to look for and if the state and local auditors do not know what a forensic loan audit is, why do I have to go to a firm in the state of California to tell me that there are many local, state, and federal laws broken? And who can and will help us fight this company?

AHMSI purchased my note from H&R Block mortgage. Afterwards, Chapter 13 was filed for protection due to extreme medical bills and the old house wouldn't sell in the bad economy. AHMSI refused to disclose my payment history ever since the petition was filed. Their response was always, "Contact your lawyer." Our lawyer was rebuffed and didn't want to do anything.

I have researched their refusal to provide a pay record and found it is a violation of state (Texas) and federal law to refuse to disclose pay records regardless of Chapter 13 requests. The pay history I have just received (we are now discharged) is incomprehensible and does not account for the funds they said I owed. I now begin a very complicated legal campaign against them, including complaints for AHMSI's 2007 bankruptcy!

These crooks forced a lender to place a windstorm insurance (the house is already insured); never notified in advance of forced insurance; after finding out and providing proof of insurance, they still haven't removed it; applied my house payment towards this bogus escrow; reported late payments to credit bureau, thereby ruining our credit; calling and harassing us several times daily after being told to stop and threatened us of foreclosure.

This isn't a mistake. This isn't incompetence. This isn't ** or ignorance. This isn't extortion. This is a cold-hearted well-thought out plan of theft. Theft by way of taking people's homes and theft by way of TARP funding reimbursement (our tax dollars). I hope every one involved in this latest Wall Street bank scheme ends up like those Enron executives, in prison or feeding worms. I'm posting my email if you want to contact me about the avenues I've taken and progress so far. I welcome any and all to send a note because that's the only way to get them out of our lives. I live in Southeast Texas. I'm currently seeing specialists for chest and stomach problems. Our credit is ruined for years. Our social life is strained worrying about a place to live. We trust no one when it comes to finances.

Our mortgage loan was sold by Citi Financial to AHMSI in Feb 2009. We have had nothing but problems with this company. I started an escrow account in order for our taxes to be paid with our house payment. When this was done they paid a judgement through the courthouse and charged us over $12,000.00 in our escrow. Our payment went to over $2200.00 a month. I figured I would just ** it up and pay because we did owe the money.

After several months, our payment dropped to $1668.00 but kept showing a shortage on the escrow of $620.00. I truly believe we paid more than enough to have this cleared up. In April of 2010, I began the proceedings to re-finance through a new company. It is now July 9, 2010 and AHMSI has not followed through sending a payoff to the new company so our new loan can close.

I have called so many times within the last 3 weeks that I can't even count and that doesn't include the numerous requests that the new company has made for the same payoff. I also have been frustrated by the fact that the people I have spoke with did not speak good English and all but one person has been extremely rude. I have spoken with supervisors multiple times and every time they apologize and say I will have the payoff within 24-48 hours. I have yet to receive that payoff. I don't believe that they want to send the payoff because they do not want to lose the money we are sending them every month. I have never had a payment that was over the 30 days late time frame. They have several times charged me a late fee even though I went to the website and paid on the 15th of the month and they do not post it until after the 16th so they can charge $58.00 late fee.

This company should be sued by all of us who ever paid them any money and we should be entitled to a settlement from them. I believe if they were investigated that there have been many laws broken. I wouldn't recommend anyone staying with this company if you can get re-financed elsewhere. This caused a real financial hardship when they raised our payment to $2200.00 a month because my husband was out of work at the time. I did everything I could to make those payments and do so on time.

Enclosed is a copy of the latest letter drafted 7/4/10 to AHMSI. It will not be mailed until I've received further advice. "Insurance Dept: After making several attempts to clear up this insurance matter via telephone, I will not attempt again to try straightening this out via telephone. I write instead for (2) reasons: 1) this communication will arrive before I can get through to a qualified customer service rep, and I use this term loosely; 2) this will allow you to read this as many times and as slow as necessary in order for you to hopefully, understand the following:

"I do have and have had Windstorm Insurance on this property. My agent has provided you with proof through the mail, by fax and called to confirm this on several occasions over the past year. Yet, to this day, you still have not removed the "lender placed" insurance that should never have been and as a result you have attempted to raise my note $150.00 per month to cover an escrow charge that should not have been. And, you then took my monthly payments to cover an escrow shortage instead of my house payment subsequently placing our home in jeopardy. "Let me make this clear, you wrongfully placed insurance on my home when I already had a policy in effect; you wrongfully took my house payment and applied it to an escrow that was wrongfully calculated; you wrongfully have someone with both AHSMI and an outside collections firm harassing us by phone and mail for a debt due to your error and now you wrongfully make suggestions that we file the necessary papers for the H.A.M.P. program so that we can stay in our home. You have also threatened to begin foreclosure proceedings, all of this due to error and (or) neglect on your part.

"My recommendations to you are the following: 1) review your records submitted by my insurance agent both this year and last year; 2) credit and correct my escrow account immediately; 3) credit and correct my principle balance immediately; 4) end the collection letters from AHMSI; 5) end the collection letters from any and all outside collection agencies; 6) end the harassing phone calls every other day; 7) correct all negative information you have forwarded to any credit reporting agency(s); and 8) immediately draft a letter of apology addressed to me including detailed description of all errors made by you, AHMSI.

"I am sending a copy of this letter to my Congressional Representative, Ted ** as well as the Attorney General of the State of Texas, Greg ** and my Attorney E. **. Because of this situation, we're facing foreclosure; you have wrongfully reported late payments to credit bureaus resulting in a 100 point loss in my FICO score, thereby making it impossible to even get away from you. You have put undue stress on me as well as my husband. He has seen his personal physician for stomach and chest pains and was referred to specialists for testing. This is added worry and expense due to your incompetence, negligence and deceit. Also, we have never been late on a payment, yet you have the unmitigated gall to charge us a $20.06 late fee.

"In all my 50 years of living I have never had the displeasure of dealing with such incompetence, negligence and deceptiveness. As requested in your letter dated 6/29/10, I am enclosing a copy of my declarations page as proof, once again; I had and have the required Windstorm Insurance on this residence. Also, note my windstorm policy premium has been reduced this year. "

So I call to straighten it out and get hung up on once again. I've learned to ask for American offices because the reps in India have no idea what your talking about once you ask a question off the script. I'm just trying to resolve this matter so that I can pay a mortgage that I can afford. I've been a very sick person and I'm just trying to resolve but feel frustrated and helpless because I can't get a straight answer from anyone. If I do not get this resolved. I will lose my home. Our income has decreased significantly due to my illness and me loosing my job.

On June 9th, 2010, we had a tornado which did most damage with 60 foot trees, that damaged personal outdoor property along with roof and fencing damage. We recieved a check for $7668.00 from our insurance company for damages. My husband and myself and the mortgage company's name was on the check. I called AHMI and reported this to them and asked them what I needed to do. They said I was to send the check to them, and they would handle things in their Insurance Specialty department. After further conversation with them, (4 conversations, with 4 different people), I was told that they would control the insurance money on their end.

Our insurance company said that normally we would send the check to them and they need to endorse it and mail it back to us so we could deposit it and start repairs. This is not how they handle it. They want contractors estimates, along with documents signed by them, irs forms, etc. They would then determine what percentage they would pay out to us, 35%, is what I was told. Then when the contractor finished repairs, they would have to send out an inspector from their company to inspect the work, which they said would take 7-10 days before we even hear from them. Then, after he clears everything, they will pay the contractor their funds. This will be done via regular mail. If we wanted to have it overnighted, we would have to send them prepaid overnighted envelopes. They are in Calif., we are in Texas.

We also borrowed 3000.00 to pay for tree removal, because we could not get into our backyard to look at damages. They will not pay that to us, unless mortgage payments are current. We owe for June still, because of the mess we had to deal with here. In the mean time, our roof is still damaged, and now we are going to have to deal with the possibility that the hurricane that is developing as I write this, will give us much rain, and possibly damage more of the house.

My husband and I are very distraught over this. We have financial problems , like everyone else does, and the mortgage company is making things worse than need be. All we want is the insurance funds to be given to us so we can hire the people to fix our property. We have owned many houses in our lifetime and never did we experience these kind of problems with past mortgage company's. I can understand their vested interest in this property, because they are the lien holders, but, this is stressful enough without the headache of the red tape involved in retrieving our insurance money. Mentally drained, and nothing can be fixed, because of the holdup on the funding, and we sit here and watch while all our neighbors are getting their damage's fixed.

requesting original loan docs. ahmsi, on the telephone over one hour. No help abusive behavior. Refusing telephone nos. unable to transfer calls correctly... non stop hung up. Wishing to apply for loan mod. company playing games with. wish to prove predatory lending

Modification process is not timely at all! Took 7mo to get approved (understandable in the current economy) But since approved, nearly 3 months has passed, and my interest rate is still NOT corrected, and paments CANNOT APPLY, because changes are pending. There is the double edged sword! No one really returns calls, and voice mail boxes always too full to accept any messages. Do the work on time, save tons on the re-work, and corrections to be made. My payments are going into a suspense account, I'm not real comfortable with that if the doors closed tomorrow! There has to be some regulatory time limits imposed on this process. If I did business this way, would have been terminated long ago! There is terrible lack of regard or commitment from the offshore personnel, and little visible follow through from those who are supposed to be in charge.

I bought property in Feb. 2005. Made April/May/June payments. Mailed July paymeny on June 29 and got letter dated July 23 stating payment not recieved. Called Janet, agreed to replace, must return lost check when found. Sent check. Both July checks cashed on Aug. 30, 2005. Auto-Chek to AHMSI on Aug. 15 for Aug. payment. I called Janet and faxed her letter to use extra July payment for Sept. 2005. Money marked as: Principal" not as a payment. Oct. check cashed on Oct.11, letter states not recieved. Same for November. I informed AHMSI I would make Dec. payment in Jan. and mailed it on Jan 29, 2006 and was cashed on Feb 6, 2006 paying 9 payments for 2005.

Got letter dated Jan. 25, 2006 stating I am in arrears $1734.02. I mailed a check for Jan. and Feb. which was sent back in a letter March 10, stating: not enough to bring loan current. The payment for March 2006 has never been mentioned by AHMSI. It was not cashed nor was it returned by AHMSI or the Post Office. Lost at AHMSI as July was.

AHMSI filed foreclsoure in July 2006 and lawyer filed Chapter 13 and did not make any attempt at informing the Court that I was not behind. He was fired in 9 months and I filed an "Objection To Proof Of Claim" which in 2010 has not been ruled on by the Court even thought I have rtied many times. The case was dismissed on June 1, 2010 and AHMSI filed foreclosure again. What to do. How do I file suite for Dameges and stop all this. I am 78, on SS# for 25 years. Have had 2 operations in Marct and go in for third on July 1.

They have disregarded all of my requests. I was refinancing my mother's home, she was the debtor. They refused to give a payoff in less then 3 weeks. I requested a payoff 4 times in one month. They reported that there were 2 late payments but the rep said she could only see one. But they refused to change the proof of Mortgage payment from 2 to one. They forced placed hurrican insurance when I already had it. I sent proof of insurance 5 times (no exaggeration).

They provided a payoff on March 29th but when my loan was finally ready to clos on 4/2 they sent a new payoff to include the hurricane insurance (which was force placed on 3/30. They refused to allow the title company to sent the overage of the funds to me. Since the title company had already sent the check to me, because we thought the loan was closed, AHMSI told them they would not honor the payoff and wanted all of the proceeds. So, a stop payment was placed on the check which I had deposited the day prior. They said they would send me any overages because they needed to pay the forced placed hurricane premium. My loan did not close until 4/8.

The proceeds check was sent to me "The Estate Of with my mother's name. They refused to change it to my name. They told me to open an estate account and deposit it. I spoke with 3 supervisors with no return phone calls. I was promised by 2 of that they would call me back I waited 3 weeks for one to call back and 2 weeks for the other. The last supervisor was rude as many of their employees are, I asked for her supervisor to call me and I asked she thought the supervisor would call and she say "I don't know what she will do, she might or she might not.

The refinance process took from October 09 - April 10. That is outrageous. They have only been rude and disrepectful. I even sent a letter to their complaint department (12/09) concerning their rudness. All I got was a letter saying they would investigate and it could take 6-months (or some absurd amount of time). I could go on but there is not enough time today and I am worn out thinking about it.

I have cried, begged and humillated myself with this company. They refused to allow me to put my name on the property (through refi or any process) I missed out on 2 interest rate locks at 4% because they refused to provide a payoff in a timely manner. Because of the bad verification of mortgage payment, I had to refinance with a secondary lender. They took out the hurricane insurance premium, which I showed them I had proof of but because it wasn't titled they way they wanted it "the Estate of" they refused to accept it. The stop payment fee of the check, from the loan closing, from the Title company.

I have been unable to get them to replace the check made payable to "The Estate Of" My mother passed away in '08. The Estate is only active for 12 months then the accounts are closed and the Representative Appointment etc expire. I would have to contact my lawyer again to extend the appointment, get a new EIN and open another Estate account. I have been stressed, ill with anxiety, sleeplessness and angry. I can't sleep because I am constantly trying to think of ways to get the check cashed. There are days when I can't function especially in anticipation of calling and being put through the ringer. After every single call I have to get away from people because I am so angry and feel abused.

This company is very mentally and emotionally abusive. They uphold themselves to be the law. I am so angry I'm shaking right now. They have caused me financial hardship. My loan cost me 4 points because it was such a challenging loan. I had to get away from them. They should not be allowed to ruin peoples lives through their unprofessional and abusive tactics

I am a Senior Paralegal (BA and Master's Degrees and State Certification) working with a large Title and Escrow Company. We have had many regular "dealings" with American Home Mortgage. They are impossible to work with. FYI: Before Closing on a sale, we are required by law to obtain various documents which go into a folder; those documents allow us to assemble something called "The Closing Package". If anyone of you have ever closed or "Passed Papers" on a home sale or purchase, you know that it is very complicated and there are lots of legal documents to sign.

Anyway, I am the guy in the office who is given the large shovel and told to follow the Elephants as they parade down Main Street -- so to speak. The boss always gives me the American Home Mortgage inquiries. Perhaps it is my very high level of Prozac, but I stick to it for hours and hours, calmly trying to get through the nice Indian ladies who are reading from their computer screens "Oh, my goodness, I am soooo very sorry, but I am unable to give that information because we have nooooo authorization" ... After we have sent the authorizations with original signatures of the loan holder by FedEx and have a confirmed delivery.

These folks are very tricky, however. They will never sign a receipt for FedEx with their real name. Even when we use the Premium Signature Service which requires the FedEx delivery person to actually have the person sign for the documents, we get a receipt back which just says "Mailroom" and an illegible scrawl. Our legal department has served this company several times with Subpoenas but they have a staff of lawyers in Texas who obfuscate and delay -- which is their job of course and they do a great job. So, bottom line, is that our firm is now refusing any and all closing work where American Home Mortgage is shown as a mortgage holder, trustee, or lien holder. This, unfortunately, effects the people who are in dire need of a Short Sale to get out from under their failed mortgage. There isn't much else we can do with the exception of sending a courier directly to the corporate HQ in Texas. That won't work either, however, since I asked this question on one of our Paralegal web sites and a collegue who works in Irving, TX tells me that the office building is guarded day and night by armed Wackenhut Company "Custom Protection Officers" who won't let anyone past the lobby.

The company is in bankruptcy, by the way. What has happened is that almost all of the loans which were owned by American Home Mortgage Company have been sold to a variety of investors and companies. Who now actually owns the loan is on line and of record in the MERS System. That system requires a security agreement and a monthly fee and is not accessible to "the little people" -- the ones who need to know where their mortgage has been sold. Anyway, AHMS now holds very few actual mortgages themselves, but remains as a "servicing collector" for the mortgages. Many of you are sending your payments to them in Irving, TX, but they are actually just a clearing house for the payments which then transfer out to banks and other lending institutions.

Understand: You will NEVER be able to obtain any current information about a loan directly from American Home Mortgage Services by calling their 800 custom care number. There are lots of corporate reasons for them to have a single number to call, but the company is so badly managed by incompetents and owned by a group of money-grubbing foreign investors, that they might as well not have a custom care call center.

Meanwhile, OUR firm is no longer taking any business where American Home Mortgage is involved.

In Nov.2009 AMSHI took over my mortgage from Taylor ,Bean and Whitaker. All appeared fine until April of 2010 when they started telling me I owed back payments. I don't and sent them all my check numbers and dates they cleared the bank to show I was current. Since then I continue to receive harassing phone calls from non english speaking people and never the same one twice so there is no contact person to work with. Their resolution line is fax only. They have reported me to credit bureau for being over 60 days late on over 6 grand ( 3 months of payments). Every check I send I attach my payment history going back to Sept 2009 with the hopes that maybe someone will get it right. My attorney has contacted them to no avail either. I am at a loss as to what else I can do. This company is terriable and the customer service is the absolute worst I have ever dealt with.

As of last year our mortgage was held by citiresidential then sold to AHMSI. We ran into some financial difficulty and fell behind in our payments. When we called to get a reinstatement amount from them ( because it had gone into forclosure by now) they would quote us differnt amounts each time calling them estimated reinstatement amounts. We politly asked for an actual amount so that we wouldn't sent to little to them, they say call back in 48 hours as it will take this long to get an actual reinstatement amount from their forclosure department.

So ok we wait and then call back in the 48 hour time frame. They give us an ACTUAL reinstatement amount of 6997.41. We tell them ok and manage to borrow the money from family to pay this amount and get the home out of forclosure. They receive the funds and tell us that the home is now out of forclosure. Then when the next months bill comes it states that we still owe 200 in late fees. I call them about this because as I understood it the amount I paid was an actual amount owed not a penny less, they inform me that the amount they call ACTUAL is in fact not! I am informed that when they say actual it is in fact not a true statement. The letter they supposedly sent was supposed to inform me of this, but here's the kicker, I never received any letters from them it was all done by phone!

American Home Mortgage foreclosed on our house. when we contacted them they told us we needed to send them money to get our house back. We are still in foreclosure and are awaiting eviction. There needs to be a class action lawsuit against them. Thank God they no longer exist! We have an attorney who is helping us but it is too late. to get our house back we need money.

I tried over 2 years ago to have a loan negotiation and after x phone calls, mails and certified mail, and almost 2 years they responded by lost of contact and denied my case.

I hired a lawyer after 8 months there was no response from them, them I decide to stop borrowing from credit cards and friends and reimburse every ones, lawyer include, than American Home Mortgage contacted me right away.
They finally offer me a negotiation 6 months later.
I borrow $273 000.00 my principal today is today $265 000.00 and their offer is
$280 000.00. My house market value is now around $100.000.00 because they was all sold on the same time in 2005 to 2006.

It does not make sense to me the way they negotiate, I am asking them for a short sale with a broker, but there is no response from them.

I try also to see if they want to make a deal "short sale to me" with a better market price value and this will help all others to rise the price of their condos but obviously they rather to thru me in the street than Helping Home owner to stay in their house.
By the way before stopping paying to reimburse my dept I never ever was late on payment.

The loan officer of course is getting away is it not a crime?

I have tried several Times to do a loan modifacation . Three times really. I never received the papers. Well I called 6 weeks ago and ask to do another one. They also told me they would send the paperwork . I waited and never received them, so I called back and I complained. I did finally received them filled them out and I faxed them in . When I was on the phone with The rep they told me that someone would be calling me to help me .

I never received a call so today I called and called 4 times every time I call they ask when and I going to make my house payment and I have to go into detail every time . I also explained that the reason I am trying to get my house payment cut in half is because I am having trouble making my payment . It goes over the top of their head. I would like to know the home office number also so I can turn this info in . I really need to have it lowered so I don't lose my home. my income has changed . I really don't think these people care at all. They also told me today I would receive a letter in the mail to tell me if any information was missing. I was told on the phone that I would receive a call. They finally told me that I was missing one page concerning my taxes.

So I filled out and faxed it to them. I called back to see if they had gotten it and I had to go through why I was calling why I had not made a payment and when ..not anything concerning the loan modifacation that I was trying to find out about. I get run around everytime I call. It is always something. All I want to do is get my house payment reduced so I can make them.

In 2007 Option One approved a $475,000 loan for my home based on stated income of about $7,000 per month and the encouragement to me that my business would bring in "more than enough" to cover my mortgage. They did not reflect that my expenses were in excess of $15,000 per month. I was placed in an ARM, which I was told was fixed. AHMSI bough my note from Option One, but claims they have no responsibility. It seems to me that if they bought the note, they are responsible for the entire mortgage approved.

As a result my home mortgage is now in an "upside down" position. It was appraised at a higher value than it should have been and now reflects a huge deficit.

Lets ay it started the day I discovered they purhased my loan from my previous mortgage company. When I called them to ask when this happened and that I was in the process of refinnacing my loan with my old company. They said and I quote, "we are a debt collection company we do not do refinancing." I istantly became upset. They made it sound like I had not paid my mortgage at all. I have paid on time every month for the last 4 years I have owned my house.

THen I get a threatening letter saying that foreclosure proceedings will be started by June 1, 2010 if I did not pay my mortgage payment. I had paid my payment early actually. I called and for once got someone that spoke english. She actually was apologizing for the letter and said sometimes they get sent out even if you pay early, because the system looks at it has paying the month ahead twice, but not the month for which the payment should be applied. I think I actually heard her roll her eyes. She could not explain it, but did tell me that my house was not set for foreclosure. THen I have gotten phone calls twice a day for the last 4 weeks from them saying that I have not made my payment and they are looking to foreclose. I called again today and got the same story has before. They system that makes those calls and sends the letters can not differentciate betwwen early payment and late payment.

Need less to say, my house goes on the market this friday, I can't deal with this group anymore. Closing should be interesting!!

AHMS also tried to force an escrow account on my loan although I had been paying my own taxes for the past ten years and had no past problems with other loan holders or past due taxes. Also, I have sent money and not had it applied correctly and also had them try and take more money out of my account than authorized.

I was unable to make payments due to my loss of income (my house was already on the market). I called AHMSi for help as stated in their billing statement and asked for a forbearance for a few months or a short payment. They requested a ton of information to be faxed to them and was ultimately denied since at that time my mortgage was current. Inevitably I could not make my house payment and was offered a loan mod. Really?

I again faxed over the same information. 3 weeks later, I was declined a loan modification and offered a deed-in-lieu instead. Again, I faxed over all my information (42pages) and 3 weeks later, I received a letter stating that my request was denied. "Not in the best interest of American Home" was the reason. I was offered a loan mod? I again faxed over all my stuff. In the meantime, I received a Short sale offer. I called American Home and told them to hold the loan mod. They wanted me to again fax over all the modification documentation with the short sale documents. After about a week, I called to see what was going on. I was basically told that my short offer would not be accepted since it was outside the investors parameters. They felt my house was worth significantly more than the short offer and deterred me from continuing. They offered me another mod!

This time I received a nice packet in the mail and I quickly returned the requested docs. I already had them labeled since I had done this several times. A few weeks later, I received my loan modification and my payment went! I'm livid.

They have since foreclosed on me and sold the home for $73,0000 less than my short sale offer. Why the face?!

We are losing our home. AHMSI refuses to work with us, or they say the "investor" refuses. Total B.S Our loan payment was 3600.00/month, we could not afford this. My husband became very ill, we got behind on our bills, no food on the table, utilities turned off, so we stopped. We borrowed so much money, we will never get that paid off also. AHMSI totally refuses to work with us. We hired outside help and got screwed by them also. They did one loan modification back in Feb. 09, but really didn't help us.

We tried to make these payments but couldn't. Our payments before shot up to over $ 5k/month. Then they put a balloon payment on the end. Really? By the time that rolled around we would be in our eighties. How do they expect you to pay that off? This is the worst company to deal with. We definitely sold our soles to the devil. We hope and pray every day that their system crashes, they lose all their records permanently and we finally get to deal with a bank. What I don't understand is, we short sale the house, somebody else buys it at a much lower cost. Why can't the "investor" lower our principal by today's standards so we can stay in the home? We have lived there 12 years. We are more than happy to make a mortgage payment and can afford it, but not at the current capacity that it is at. Our loan is at over $ 700k, our house is worth about $400k. Problem.

This property was appraised by them at $63,000 a year ago. It's full of mold, wood frame home, and had buyer through real estate for short sale for $50,000 cash a year ago. They refused the sale. Now it's worth a lot less. Waiting for a year for them to foreclose, still nothing offered. The deed to them they refused. Just keeps sitting so they can trump up charges. Lucky if it is worth ten gran now. They make harassing calls all the time. They are nasty and rude. Also, they bought mine from Citi Mortgage.

They increase my mortgage payment every six months and can't explain the reason for doing so. Since I've been with this bank, all they do is increase the mortgage payment. They also charged me late fees twice and made me pay an extra $200 in late fees they claim they never applied to my mortgage. Every time I am late with my payments, I send my payment and the late fee and they still charge me for them anyways. My husband and I are late on all our bills because we are trying to keep up with the mortgage payment so we don't lose our house.

My problems with this company started back in October 2009. Back in the latter part of 2007, I lost my job and was unable to pay the primary loan on my mortgage, but was able to keep the secondary loan current. I called and asked for a loan modification on several occasions and was told my lender was not doing modification in my area and to call back in a few months. Well I did not have a few months... after explaining that I lost my job and could not pay the primary mortgage, there was no empathy, just the "you owe us" response.

Well, I finally got a job after 7 months of unemployment and made it my personal biz to catch up on the not default loan, and of course my house had been put up for sale on September 3, 2007. After numerous calls to make arrangements that one person told me I could make, then another person tells me, I could not make and countless hours on the phone, some in tears and some with just total frustration and disgust. I was finally able to make a payment plan at the tune of $8,000.00 to become current and keep my house from being sold. What a joke this company is.

Two weeks after I became current, my lender, all of a sudden was doing modifications in my area? They sent me a modification packet, after I had paid my October 2008 mortgage payment mind you, ad offered me a principal only deal for 5 years... It was too a good deal, but it was $300.00 less than what I was paying and I was not able to continue to pay the $1,300.00 I was currently paying, so I accepted this "deal" and of course, I had to have the signed modification and another check for $714.00 to them in one week? I just paid them $1,300.00 on the primary and $314.00 on the secondary two weeks earlier and now, two weeks later, in order for me to have this modification, I needed another $714.00 in a week. Well, I begged and borrowed the money, as I did with the $8,000.00 I ended up paying to stay in my house, and sent all the requested documents and payment to them.

I thought it was a non-issue as I figured I could use the extra savings to rebuild my credit and once that was done, I could go to a reputable Lender and refi, well, I paid my mortgage on time every month from October 2008 to current (April 2010), but in October 2009, I get a statement that says, I owe AHMS $2,200.00 because I was 2 months behind on my mortgage and of course, those late fees had been tacked on. Well I called when I got the statement an it has been nothing but a horrible, horrible nightmare that I have yet to wake up from. 6 months later and over 200 calls to this place, I can not get anyone to understand, that I am current on this loan, and that they have cashed a check from me since October 2008 every month until current, so how can I be two months behind?

Finally, in January, one of the non-English speaking ladies tells me that in 2007, they erroneously misapplied my mortgage to another A/C and then they took the misapplied money back from my mortgage and applied it correctly to the other A/C, which made me two months behind. That is a downright lie! I would not still be in this house if they had made that mistake as I mentioned earlier, my house was up for sale in September 07 and it took $8,000.00 to become current. I explained this to every rep that I spoke with after being transferred to so may people I cannot even begin to remember half of their names. 98 percent of then did not speak English and the 2 % that did speak English, had some of the worst attitudes you could imagine! But no one could tell me what A/C they supposedly applied my money to, they could not tell me where my $8,000.00 was, and best of all, no one could tell me why, after 1 year and a modification later, they were trying to get misapplied payments from me.

Since January of this year, I have been calling every other day to speak with someone and every time I call, I am on the phone no less than an hour, explaining the story, no less than 5 times, and being told "we are going to open a ticket, and it will be 5-10 days before we will have a resolution" and to call back. I call back and the same process starts all over again. I am so stressed and sick to my stomach at having to deal with this company for 30 years. I want to know how, after I have a modification that clearly states that all fees, arrears, unpaid interest, lawyers fees, etc will be added to my loan balance, bringing me current, can this company go back and try to correct an error o their part by taking money that I send in and applying it to something that is clearly covered in my modification? Especially since i believe they took my $8,000.00 and did not report it to the lender, how is that? This company is a total scam to say the least and should be shut down. How come no Lawyer has stepped up to bring a class action lawsuit against this Company for fraudulent and ill reputable practices. It clearly has a case judging by all the complaints i have seen and the horror, I have been living for the last 6 months.

They have re-destroyed the credit I was trying to rebuild by reporting me a being late for the last 6 months... How can this be allowed to continue? It is just not fair, in this day and time of Economic despair and unemployment at it worst, that these people and this company can dangle our livelihoods in front of our face and do what they want with our money, that we are struggling so hard to make. As a single mother of two, this has hit me very hard and i try my best to provide for my kids and show them responsibility and this is just a terrible dissatisfaction for me. My credit has been tarnished as i have been reported to the Agency for the last 6 months for being past 60 days late on something that I am current on. I tried to purchase a car and was denied for a loan at every dealership i went to, then I ended up going to a buy here pay here type deal where they are charging me 20% interest for a car. I can't get not one credit card because of them reporting me.

This company is a predatory lender with incompetent people working for them. The website is less-than-adequate and does not allow you to make payment, forcing you to pay another charge for a phone payment, so that you will not be late. Furthermore, they estimated my taxes and insurance incorrectly, increasing my payment from $8 in 2009 to $65 extra in 2010. My taxes only increased by $100, and my insurance remained the same.

No one will return a call who has any knowledge. I have received several letters with the same form letter response. They also refused to adjust my interest rate 7.5% to any in house modification indicating I do not qualify. They made my insurance company show the burden of proof, and they were wrong. I am willing to spend my life savings to file suit against this company.

They have reported me to the credit bureau as being late. I have receipt with a confirmation of payment. They refused the payment I sent and then indicated it was a return check. Incurring bank charges. Intentional late charges for incompetence. The escrow analysis is false. Help.

AHMSI is refusing to remove a late fee charge from my mortgage account for a payment made in November 2009. It was proven through my research and assistance from my credit union representative that there was an error with AHMSI's check processing agency. On March 25, 2010, my credit union rep received a fax from the Federal Reserve Bank of Cleveland indicating a computer glitch that created the error in processing my November payment. What happened was, on November 2009, I made my regular monthly mortgage payment to American Home Mortgage Servicing Inc. (AHMSI) prior to the payment deadline date. On November 20, 2009, I received a letter from AHMSI stating that my check had bounced and that they were reversing the payment and that I now owed the November payment and a late fee.

Upon checking my credit union account statement online, I could not find where the check was ever processed and therefore why it was considered a "bounced check". I contacted my credit union representative who researched my concern. Her findings also indicated the check was never processed in November and wasn't sure why this happened. I faxed a letter to AHMSI including a copy of my bank statement showing that the check never hit my checking account. After months of trying to resolve this matter with AHMSI, through phone calls and sending documentation by myself and my credit union rep, the issue was supposedly resolved and I made the full November payment to AHMSI.

I thought that with the letter from Federal Reserve Bank that AHMSI would conclude they were at fault. However, AHMSI refuses to remove the late fee. I made the full November payment to AHMSI, but feel I should not be charged for the late fee. I have continually tried to resolve this matter with AHMSI. Please note that I continue to make all payments since the November 2009 incident using the same checking account with the same routing numbers.

This only proves that AHMSI processing company was at fault in the November 2009 incident. At this time I had no late payments or late fees on my account. I have made every effort to keep my personal credit in good standing. This incidence has been reported to credit reporting agencies. I now have derogatory credit reporting and I am now forced to have to clear up this matter with the four credit reporting agencies. On a physical and emotional level, AHMSI does not allow you to speak with anyone directly about your concerns. You have to fax over material and in the interim it takes months before any matter is resolved. This can be quite disheartening especially if they are calling you daily about their money even if you've explained what has happened.

This company contacted me with a notice from their attorney's office December 1, 2009 stating that I did not make a payment for the months of September, October, and November. At this time, I had sent a payment on November 29, 2009 for the month of November. Being that I had all my receipts for each month of payment, I chalked it up as an oversight on their behalf. I contacted my bankruptcy attorney and they in turn contacted the attorney's office that sent the notice. Well at this point, the attorney's office questioned the Western Union payment receipts stating that the payments were not received.

They even went back so far as requesting a receipt for December 2008 of which I had as well. How could that be when the transmission number clearly stated received? I've use this same form of payment for four years with this company and never had a payment issue. So the final word was that they were investigating the payments. So for the month of December, we did not hear back from American mortgage or the attorney's office. January rolled around and we did not hear anything. On February 1, 2010, my attorney's office recommended I go ahead and sent in a payment. I did so and the payment was sent back to me.

When I contacted American Home Mortgage, I was told my property was released from bankruptcy and had a foreclosure sale date of March 17, 2010. I said how could that be when first I had proof of my payments and my bankruptcy attorney and I had not gone to court on the matter. I immediately contacted my attorney and they contacted them to find out the law firm we were conversing with no longer represented them. They switched law firms and we had to start the process of proof of payment all over. Well, of course, by this time, my payment for December, January and February have not been received.

My attorney requested a court day to file a motion to stay to get the situation before the bankruptcy court. My attorney and I and my husband showed up for court, but no representative for American Home Mortgage appeared, neither anyone from the attorney's office. My attorney stated to the judge at this time that American Mortgage attorney's office would not take calls from us nor return any calls. The judge granted the stay. I then was advised to apply for the Making Home Affordable program in which I did. I've faxed every document requested at least twice.

When I talked to someone in customer service before they transfer you to the bankruptcy department, they verified receipt of the documents faxed to them. Somehow my image records in the computer system there keep coming up missing. I spoke to a rep on 4/2 who stated to me my package was complete and awaiting assignment to a negotiator. He stated this process would take 14 days. I contacted them today and was told they need two recent check stubs to complete my package. This again is one of the very first things that I faxed to them in my initial package and was validated as received. I asked if there was someone I could speak with that could tell me everything needed for this process and was told I would have to wait three business days after faxing these documents to find that out. I asked to speak to the supervisor. They were on a conference call and was transferred to their voicemail. It seems as if I will never have a complete package in hoping that I will give up and they take my property as they attempted to do in December. Can someone out there please help? I am sick to my stomach most of the time just thinking of the citizens that did not have their receipts as proof of payment.

I paid my mortgage mostly through Western Union Quick Collect as it is fast and accurate and gives me a third party who can verify that my payment was received by the mortgage company. AHMSI is claiming that my two payments made in August for July and August were returned due to NSF. Firstly, you cannot make a quick collect payment unless the funds are available so that is a lie! Mind you, this is August 2009 and my year end statement shows the payments posted to my account!

I am trying to get a loan modification with them since Sept of last year which has still not been approved. They are trying to foreclose on my house stating that I am two months behind. I am having to verify through Western Union that they in fact did receive the money. I am hoping when this is over and done with that I can sue them for pain and suffering. No one can sleep well at night knowing they've paid their bills yet their house is in jeopardy. I am still fighting with the mortgage company to correct my activity of payment and approve my loan modification so that I can move on with my life.

I had Option One Mortgage in 2001. They went out of business and AHMSI took over my mortgage. I thought Option One was a nightmare but AHMSI is even worse.

First of all, their customer service department is awful and that is if you talk to someone from the United States and not India. There is a communication problem and a culture problem. The problem escalated when my employment did not pay me on the contractual pay scale and I lost $20,000. They did not want to work with me so I filed Chapter 13 on May 2006, which stopped foreclosure. This was okay until June 2007 when the same employment demoted me. I lost over $30,000 and when I complained, they suspended me without pay for 102 days. Obviously, I fell behind on my mortgage and bankruptcy (I still have a pending lawsuit and I am off of suspension. I am still working for the same company). I then had my wife file Chapter 13 because she works and she is also under the mortgage. That worked until I realize that I had to pay about $3,300 that I couldn't do because of the lack of my income. I decided to get out of bankruptcy and see if the mortgage company can mortify. They claim they can. So I left Chapter 13 in March 2009 and applied for mortification in May 2009. This is when I realize that my mortgage has jumped from $220,000 to $344,000 because of what they told me it was back interest, late fees and escrow.

I was approved for the mortification by AHMSI and my contract was sent to my home. It was read carefully and I was told the monthly mortgage payment was $1945.45, which included escrow. I made June 1st and July 1st payment but then I received a letter from AHMSI that I am over $8,000 short of escrow. My mortgage jumped up to $2,600, which I then had to struggle to pay. I fell behind again and I told them of my situation and all they did was yell at me that it was my responsibility to pay escrow. I told them that they should have told me and I have no evidence on the contract that this would happen. They asked what contract? I told them and they deny that there was one. I then ask them in December 2009 to mortify with President Obama's Making Home Affordable. They told me that I only qualified in February 2010.

So I fell more behind but I was able to mortify in February. They told me it would be 30 days before I would find out. They told me in the meantime I should give them $8,000. I don't have that kind of money. They told me that my negotiator was Randell **. I never heard from him nor the company until a March 25th letter that I received April 2nd. It told me that I got denied because of one reason, "AHMSI, as the servicer, does not have appropriate contractual authority or any required consent from the owner of the loan to agree to the HAMP modification". How's that? I was mortified before and I would have been fine with the first mortification because it was 2.9% but I never knew that my mortgage would jump $800 of what I can't afford. I called the company and they would not release the name of the owner's name of my mortgage unless it was in writing. I said I will do that but it will take 7-10 days for them to respond. In the meantime they want $12,000 now and they are starting foreclosure. I need help. Any suggestions?

In 2009, AHMSI conducted an escrow analysis on my loan. They sent me a copy of this analysis showing an escrow shortage for over $1000 and wanted to increase my payment by over $200 per month. I found that they were attempting to escrow for three years worth of taxes in one year. It took me two months of faxing documents proving this was incorrect. Every time I faxed and called, they told me they had never received the documents and always gave me a different number to fax to.

After months of not giving in, they finally acknowledged their mistake and re-analyzed my escrow and lowered my payment. However, it was months later and I continued to acquire late fees and they continued to send threatening letters and Intent to Foreclose letters even though the payment was under dispute and their version of investigation. They finally sent a letter saying that they had conducted an internal audit and found the error and lowered my payment accordingly. However, they never sent me a copy of this new analysis and I have been requesting one at least once a month for one full year now. They continuously promise one will be sent but still has not been sent.

As of today's date, they are still basing my payment off of that amount and refused to change it. They have only sent me copies of the original one that was wrong. Due to so many discrepancies in every aspect of my loan, I have requested a complete transaction history which includes charges, credits, disbursements, etc. But they cannot provide this information. I have also asked for an amortized schedule, which is also "unavailable at this time." They have told me to go on their website to get that info, however, it is not there and I get "magically" locked out of their system and information changes from one log on to the next. Also, they are only willing to provide only a few months of history at a time on their site and the reports are not comprehensive at all. They do not show charge amounts and do not show full payments so it is impossible to figure out what is really getting paid, charged, etc.

In 2008, my county was on late release for taxes, so they were not due until 2009. They sent me a refund from the escrow but then when they paid my property taxes twice in 2009 (once for 2008 and once for 2009) they sent me a letter about another shortage. It took another three months or so to figure out what the problem was because no one was willing to listen and no one wanted to look into it. On one hand, I was told to talk to the tax department and the escrow department because the customer service center "did not have access to that information."

So when I asked to talk to the escrow department, I was told that department did not exist, that they did not have phones, that no one was available, that were not open and a whole slew of other excuses. Every time I have called about this over the past six months, I have had countless representatives hang up on me or put me on hold for up to an hour before I gave up, hung up and called back just to get the same results each time. Again, they were trying to escrow for two years of taxes in one year because they refused to call my county tax department to find out the actual amount of my taxes.

After threatening to turn them in, they finally admitted their error. But since they issued me refund in 2008, I had another escrow shortage due to them not being able to correctly calculate tax amounts. I received a statement dated 2-16-2010 showing a balance of $2895.04. I paid this amount in full and called to report the payment was on the way. The first rep I talked to told me that my balance was only $2362.27 but since he already knew that I had sent the full amount, he refused to discuss the discrepancy with me and told me that he could not tell me anything about my own money or loan or anything "until the payment actually posted to my account." I did not think this was right. So I called back and got a different representative, agent #xx, and chose not to disclose the fact that I had already sent full payment.

She readily discussed my account with me. She told me that I already had $212.48 in a suspense account that would stay there until they received more money to equal a full payment and would only then be applied to my account in whatever form I specified. At that time, I had $144 in unpaid late fees and an escrow shortage of $284.18. Even though these charges were on my account, the money still stay in suspense and was not put toward these charges. She told me that the suspense money would never be credited anywhere without my direct instruction unless they received enough to make the next scheduled payment.

I then explained that I had sent an additional $532.77 and she again promised me that this overpayment would automatically go into a suspense account and again could not be credited to anything without my direct consent. She informed that only after the payment was received by them, I had the option of leaving it in suspense in order to lower my payment amount for April or having them apply it toward the escrow shortage which would also lower my April payment as they would no longer need to recoup the escrow money. Either way, she said, I was the only one that could decide where my payment would be applied and would have to wait and call back and instruct them where to credit it.

I never made that call as I had decided to allow it to stay in suspense and just pay the lower amount in April. AHMSI has never been forthcoming about suspended money and it is not on any statement and has never been on their website. Also, they will not ever tell you if there is any money in the account unless you specifically ask and say the words "suspense account" and even then, they try to distract you and sidetrack you hoping you will forget about it.

As I knew that they now had an overpayment of $532.77, I called today to get the exact amount due so I could only pay that amount. They told me that I had no money in suspense and I owed a full payment. I asked to talk to a supervisor in the US and he told me there was nothing they could do. When I gave the agent's ID number that had told me that it would stay in suspense, he only told me that she had given me the wrong information and he could not help it. He also told me that the employee would only be "coached" on that subject for her future knowledge.

So basically, even though it was their company that instructed me, there was no sympathy or recourse or settlement for me, only that I had to pay $600 more than what I was originally told. The supervisor agreed that was probably what I was told but still did not care. I also mentioned the numerous times over the last five years that I had money in suspense and it was never applied anywhere else but next month's payment, no matter what charges were on my account at the time. He had no explanation as to why it was taken this time and honestly did not care.

I then realized that since the escrow shortage was only $284.18 before the excess payment of $532.77 was applied toward this, my payment should still go down as there was no longer a shortage. I asked him to review my payment and adjust it accordingly like had been done about seven times in 2009. He absolutely refused to do this for me and told me that I would have to submit a written request (which I never had to do in the past) but that it would be denied anyway so not to waste the time. He said I was due for my annual escrow analysis in less than 30 days, but would not tell me what day this was scheduled to occur.

So here I am now, with $600 more due than what I was told, no concrete explanation as to where all the excess money was. He told me that for "future reference, I should keep any extra money to myself" and not send it in. I told him I would gladly keep the extra money if they would just be honest as to how much of my money they already actually have and we would not have had that conversation. Again he did didn't care, so I still know nothing about my loan, other than they are hiding my money and allowing employees to knowingly lie to customers. He said even if he did pull the call and personally hear agent #xx explaining this all to me, that there was still no way they could apply the payment in the way she said.

AHMSI is the most dishonest, immoral company I have ever seen in my life. And now because they have messed up so many times and then counted my payment as late, I cannot refinance with any other mortgage company, as they have reported me as late so many times. I also cannot get my PMI dropped either, since I would have to be on time with payments for 12 months. Their business practices make it impossible to reach these goals.

Please investigate this company for me and all the other victims of this company. We are trying our best to keep our homes and they are doing their best to be sure we can't. Also, they are constantly trying to pressure me into their "Making Homes Affordable Program" and President Obama's program. I already know that I do not qualify for Obama's plan as my mortgage is not a Freddie or Fannie mortgage. By the way, they refuse to tell me who actually owns my mortgage too. They say that is privileged information and it is not my right to know. They assure me that I will qualify. Even though they know that I am not employed and do not have my own source of income.

They tell me that they can use the income of anyone that is living with me or anyone that is helping to support me. They want me to send in financial information of anyone who is not even legally obligated on this loan and "modify" my payment based on that person's information. They even told me that I could use more than one person's income for this purpose. I brought up the fact that they would not have allowed me to secure the mortgage on someone else's finances, so how would they let me keep my house based on someone else's finances. They just assure me that I can and then end the call. This has to be illegal and I feel so sorry for everyone that has fallen for this. They send the modification packet and then send follow up letters making it sound that you must modify the loan. This is horrendous!

I am writing to bring attention to predatory practices that occurred prior to the Home Mortgage Crisis and the fact that these practices continue. The company that I am wiring about is the American Home Mortgaging Servicing Incorporated (AHMSI). This company has purchased many assets from the liquidated Option One Mortgaging Inc. I am an African American male and I was naive to the home buying process five years ago. I was unaware that many companies had predatory behavior that created great risk to their clients. I have attempted to contact my lender to attempt to modify my loan over the last year and I have been mislead, strung along and dismissed.

Currently, the Attorney General of the State of Massachusetts has a law suit pending against AHMSI for purchasing Mortgages from companies that practiced predatory lending with reckless abandon. In addition, AHMSI is refusing to modify many of their loans despite the Federal Funding they have received and their enrollment in the "making homes affordable program" . "The suit alleged Option One and H&R Block Mortgage originated the risky sub-prime loans with reckless disregard for whether borrowers would be able to afford their loan payments -- a practice that has contributed significantly to the foreclosure crisis in Massachusetts".

I have a jumbo loan with a 7.45 rate. I am current on my loan, however I have decrased earnings and the company will not listen or be reasonable.

I fell into foreclosure status with AMMSI. I then entered into a new agreement with them to bring the loan current. I have since paid them back all, except principal and interest. They now will not take my payment back to where it was at $ 857.00. It is $ 1449.00 per month and we can't keep paying this much. We have done everything they wanted us to do.

They are saying now that they can't do anything until my bankruptcy is final. I have never filed bankruptcy, ever! They keep charging me late fees and some bankruptcy fees I don't understand. All my taxes and insurance are paid to date, but they still are charging my escrow account like double for insurance. They are rude and will not budge, saying they will foreclose if I become 3 months late. I am barely holding on making approximately double payments each month. Can a lawyer please help me? I am going to file a claim with the attorney general's offices. We are late making other payments because our payment is so high with AHMSI. It has affected my marriage and my job because of this.

Of the many problems we have had with this company, lately the problem involves an overage in our escrow account. A short background of our issue - husband divorced ex-wife, ex-wife got house, husband never removed name from lien, wife left house abandoned, lapse in insurance, husband and I married, moved into house, saved from foreclosure, got insurance, AHMSI received insurance, AHMSI forced escrow for insurance lapse. Over charged escrow payment because of prior lender placed insurance. Now have overage of $2100 in escrow, behind 4 months on mortgage payment, denied refund of overage until we catch up on note, denied applying overage to payments. This is completely insane. How does this company stay in business with so many unhappy customers?

Because of the increased (completely unwarranted) escrow payments, we are 4 months behind. We can afford the house payment each month, but cannot catch up. Our house payment now is $801 ($634 and and $167 insurance) and we send in $1000 each month to help try to catch it up a little more each time. But to no avail. The $2100 they have plus the $1000 that we pay each month, would put us only 1 month behind. This money could help us catch up!

Back in 2008, I lost my job making 58,000.00 per year to make under 30,000. I worked with AHMC and Option one to save my house but they would not move with the monthly payment of 1750.00 per month. Then I got them a customer that was interested in purchasing my home and still they would not make any deals. The loan was for 265,000 once it went to sale in court it was purchased by HSBC for 125,000. Why was I not given the same option? So I had to leave my home of 19 years. I was told by CPA that I need to pay 8000.00 to the IRS so I loss on both sides. This can't be fair.

American Home Mortgage purchased several of our rental property mortgages in November of 2009. Since this time we have had numerous problems with most of our accounts. Since my husband is a construction manager and works in the field all day, we requested that I be added to his accounts so that I could try to fix these issues. We were told to send the request in writing via fax to customer service. We have done this a total of 11 times over the past 4 months and still, as of today, I am still unable to speak to AHM on our accounts. I also sent several requests to them via certified mail thinking that would do it. Still nothing. So they call several times per day and refuse to speak with me.

2 of our accounts had ridiculously high escrow balances. One account showed a balance of $7,900 and the other showed a balance of $8,300. The taxes on these homes were less that 2K and we did not owe back taxes. There is no way possible that the escrow accounts could possibly be this much. AHM then tripled our payments. Again, we sent multiple faxes and certified letters. Still nothing was done and this went on for months.

After a few months of not being able to get anything done, my husband finally had to take off work to try to handle this. He spoke to a "Supervisor" who promised to fix the problems. We sent more authorizations via fax and certified mail. 2 months later, I am still unable to speak to AHM to try to figure out what is going on with these accounts.

AHM customer service still calls us 5-6 times per day and each time I try to explain the situation. They asked me to send the authorization again. We do it again but with no results. In the meantime, we continue to send in our normal payments and keep trying to fix the problem. I spend about 5 hours per week on phone calls, letters, voice mail messages and faxes to AHM. If all of this were not enough, now our perfect credit rating has been ruined and we have 2 60-day lates on our credit. This has now caused a ripple effect with our small business lines of credit we must have to run our business. Needless to say, we are beside ourselves with worry.

Now after all this, I received 2 more letters last week for problems with 2 more accounts. This time, they say we do not have insurance on these accounts so they have ordered very expensive insurance that is 5 times the cost and they have now added that to our payment. Again, we sent faxes and certified letters with proof of our insurance, proof that we updated the mortgagee clause in Dec 09 to show AHM (so they would have been sent a copy from the insurance co.), proof that we paid for this insurance for a year (It does not expire until Sept 10).

After several moths of this, we have tried speaking with a "Supervisor",Kyla. She is very rude and keeps telling me she can only help me with one of these problems as she is "very busy." She asked me to stop sending her faxes for all of my problems. At this point, I have spent an exorbitant amount of time on this and very little has been done to correct these issues.

It is clear to me now that AHM does this on purpose as these can not be isolated accidents if the exact same things occur on multiple accounts. Perhaps it's an attempt to make interest off the extra money that they hold. They must make additional money and try to hold onto your money until you demand it back. For everyday they have it, they make more interest. At this point, we have no choice but to hire a lawyer. AHM is literally ruining our financial life and our livelihood.

It is hard to deal or talk to anyone at AHMSI. I cannot continue to handle the high interest rate of 10.450%, and the unpaid late charges. I think that I have been had by predatory lenders, being black and a Vietnam veteran.

This organization placed some form of (excessive priced) homeowner's insurance on the property listed. There was never a lapse in insurance coverage, for which they originally claimed was the reason that this coverage was put into place. This coverage was discovered in December of 2009 after a loan modification uncovered that I was reportedly more than 60 days late on mortgage payments. I contacted the AMHSI representatives and we discussed (after more than 2 hours) that this would be rectified if after their investigation they found that there was no lapse in insurance coverage, they would then credit back to my account any outstanding money owed to me and they would restore any damages to my credit, after 30 days.

My loan payment is $626.65/month on which I consistently pay $660/month. I included this information because even after receiving a letter from this organization stating that after their investigation they have removed the escrow account for this insurance and my payment effective 12/01/2009 will be $626.65. To try to clear up this matter faster and expedite any erroneous information on my credit report, I have continuously paid on time my required payments.

I even paid the $1004 in February to clear up and catch up whatever outstanding payments that their representatives claimed to be needed, but still they claim that I am more than two (2) months behind on my mortgage and are threatening me with foreclosure proceedings. Please investigate these proceedings and help me restore what is rightfully mine (my good standing credit report) and all outstanding money owed to me.

Just as the above-mentioned consumer in August 2009. My loan was sold by Citi Residential to AHMSI in 2009. My loan payment with principal and interest was $396.11. I usually pay my own taxes. All of a sudden in December 2009, AHMSI paid my taxes for no reason and created an escrow account for me and also "padded" (the rep told me that) the escrow account to $1800.00. Thus, it caused my once $396.11 payment to be $1375.00.

I had basically two weeks from the time I found out about the added escrow account to come up with this $6000.00 shortage. I tried several times, speaking to different representatives, to try to figure out how they came up with this figure; and everyone gave me the runaround from the tax department to customer service to the resolution department. I called everyday, and I was on the phone each day at least 2 hours. They run you around so long, until you have to hang up because you're frustrated and crying or just simply have to go to work!

Then I decided to change my insurance in January 2010, so I got a new homeowners policy, paid it, and had the current up-to-date policy faxed in to AHMSI. I also spoke to them to get the right information of where to fax the new insurance information. I did exactly what they asked me to do, and all of a sudden a few weeks later, I received a check back from my insurance carrier. AHMSI had paid my insurance carrier after I paid them and forced an insurance escrow account on my loan!

After contacting them to see why they did this, I could never get an answer. They told me that this escrow would stay on my account for the life of the loan. This is crazy, and I don't feel as if there is anything I can do. They are trying to make me ruin my credit and lose my house. I can never get any help. Either I got someone who does not know what they are talking about, their computers were down, or I got transferred around all day. The faxes they have me send in never go where they are supposed to and when I called back, they said they didn't get them.

As a result, I am unable to pay this extremely high mortgage payment, which appears to be increasing each month. This is ruining my once-good credit and basically forcing me out of my home. If there is anyone out there who can help us, please help us! I am begging you! The way AHMSI is treating us has got to be against the law in some kind of way. Please contact me if you can help me. Thanks.

Our loan was transferred to American Home Mortgage Servicing Incorporated in November of 2009 from another mortgage company. Needless to say, it has been a miserable experience! My payments in December, January were cashed, yet not applied to our account. Therefore, the company said we were delinquent and stated that the checks had "bounced". Since I had copies of the cashed checks, I sent them over to their ridiculous resolution hotline (What a joke). In the middle of this, our escrow account jumped.

There was not sufficient documentation from them saying why. They have a large amount of escrow surplus in the account today and even after disputing this, no action has been taken to correct this issue. At first, I wasn't concerned since I thought I had all the evidence needed to correct the issue. However, after doing all I can do, I feel threatened, mistreated and victimized by this predatory agency. Other states have sued this company. It's scary yet something I'm ready to do at this point. My advice to all of you is to complain! Contact the BBB. It only takes a minute.

Then contact General Attorney of Texas. Tell him your story. There is power in numbers. This company needs to be sued for incompetence and shut down. The economics behind what's going on is evidence that this company is predatory. They have charged me late fines, they have gone after my good name and credit rating. They need to be audited for their "highly irregular methods". My home might go into foreclosure if further action is not taken by a higher authority.

Last year (07-08), we were behind on our mortgage and it started going into foreclosure. At that time, we had Citi Financial. I tried working with them through a business that helps people in foreclosure. All they did was take my money. My husband talked with the people there at Citi and we had to work out a new payment plan. Our Mortgage went up over $100 a month for the same years we already had. That cost us more money each month plus a fee to them for saving the loan and not putting it in foreclosure. They would work with us on a new interest rate. Well, American Home Mortgage Servicing Inc. took over the loan.

Ever since they took over, they have made some rude calls to us. We have a sixteen day grace period before we get charged a late fee. They are calling my husband at work all the time around the 4th and 5th of the month asking why he hasn't made his payment yet. He tells them he is self-employed and when he gets the money, he will pay. They ask him the same questions all the time. They will call everyday until he pays the payment, asking him the same questions over and over again. Are you self-employed? Why can't you make your payment? We are going to foreclose on your house, and we aren't even a month behind. They are constantly threatening my husband with foreclosure.

My husband tells them he knows the laws but they still threaten him. They tell him they are a debt collector trying to collect a debt. They call us a week before the payment is due and want us to post ate a payment. My husband tells them no and when he is ready to pay (has the money), he will call. If he is past the 15 days grace, he pays the late fee. They don't need to be constantly calling the business and threatening my husband. They sound like a very crooked mortgage company. My husband will tell them to listen to the recording the day before as to why he hasn't made a payment. They ignore him and keep calling back and asking the same thing. These mortgage companies need some respect to the common people. They would call me at home and then call my husband at work.

Don't listen to one thing these people have to say. The most unorganized company I have ever dealt with. Get a lawyer. Have him/her draw up a certified letter, with copies of bank statements or whatever you need to send to show you are in the right. Send it to the Texas home office and give them seven days to respond. They won't. It's a money sham. I have current late fees that were falsified by them (and I have all my bank statements to prove it) on my account that are over two years old. They still call every month to collect but they have never reported anything to the credit bureaus. If you get called, ask for someone that speaks English. I used to get upset about it, now I treat them like they are.

I completed the modification of my mortgage in June 2009 and the first payment was due in July 2009 for $449.88. Since then, I am paying $449.88. I paid my taxes and insurance on time and now they said that I am behind with $1415.05 in Feb. 2010. My realtor is the one dealing with it and they tell her every week that it is going to be fixed. The company called me thee times a day, seven days a week and never solved the problem. I appreciate if somebody help me with this matter.The company told once that it was taxes from 2008 and if I send it, it was going to be corrected. No solution has been done to my problem. Thank you.

Well in 11/08, I fell behind on my payments to this company, I contacted them for some help to get back on track with my payments. They weren't very helpful telling me there wasn't anything they could do to help me. Because I was self employed. So I fell further behind and then into foreclosure. I then borrowed money to catch up what I owed, ($5593.66) in may of 09. This was 4 months of payments and property taxes. So I thought. After viewing my account online, I seen that the money I paid them went to 4 months of payments, taxes, insurance and a bunch of corporate advances that I have no idea what that is. Corporate advances to who the owner of this company I guess.

After this, is all paid they then started a escrow account with a negative balance for the taxes, insurance and of course some more of those corporate advances and charged my account twice in three months for $726.80. Anyhow I thought I had everything caught up and ok my payments where caught up, my escrow account that they set up was zero and I was back in the good. But boy was I wrong. In June of 09, I got my statement and my payment went from $569.41 to over $950.00 this was to repay the escrow balance that I thought I paid off. I called the company and asked about this and to my dismay no one a this company can answer any of my questions.

I wasn't about to pay them the difference they said I owed them after the large sum of money I just paid them. So I made my normal payment. Then they started tacking on late fees and different things. I tried to talk to them, again no one can answer my questions. Then the next thing I know, I am in foreclosure again. Now I have resorted to selling my property because I can't go through a foreclosure or handle dealing with this no good piece of crap of a company that calls themselves a mortgage company. And now I have a buyer for my house and they can't produce a payoff for the property.

I don't know about anyone else, but if someone is trying to pay you money that's owed, wouldn't you do what ever it takes to accommodate them so you can receive your money. Not these guys, I have spent the last 2 months trying to get a payoff from this company so we can calculate the payoff for the closing date that is already set for. And they can't provide this info. It is like the would rather have my property than have the money that is owed to them. What's up with this? So now at this point in time, I don't know if I am going to lose my house to foreclosure or sell it.

Well, from them not providing any info and not working with me on this problem, my house is now in foreclosure. There is nothing more I would like to than make my mortgage payment but I can't do that at this inflated rate that they are wanting me to pay. It has been very stressful for me and my family. worrying what we are going to do or if the sheriff is going to show up and tell us we have to leave or not. I have never had this many problems or stress with a mortgage company in my life. Plus I think I am being taken advantage of with this escrow situation.

Where do I begin? First, our mortgage lender Taylor, Bean and Whitaker went bankrupt. They did not pay the second installment of our real estate taxes. When I called customer service there, I was told they were paid and all online information showed the same. In fact, it even showed up on my paper statements that the funds were disbursed on 8.14.09, due 9.1.09. Then I had to check back and forth with my Treasurer Office in Lake County, IL to see if the payment was made.

Eventually, the taxes were sold and, eventually, I was informed that TBW had gone bankrupt, but that I should still make my payments to them until I was told who my new mortgage company would be. Wanting to be current with my mortgage, I did that very thing. Finally, we were informed that our loan had been transferred to American Home Loan Servicing, Inc.

Then the real fun began. They redeemed our taxes, including any penalties, etc. Customer service (I think they are located in India) told me that this would not affect me as they would go back and get that money from TBW. I faxed my Home Loan Modification package to AHM on 1.27.10 and they keep telling me it will go to a "negotiator" that it will take at least 30 days. This is the same thing TBW told me last year when I applied for modification in January, 2009; then they went under in August, 2009. I still had heard nothing.

Now, I'm starting all over again. I then received an Annual Escrow Account Disclosure Statement from AHM indicating we were short in our escrow and need to either pay a lump sum of $4,630.06 or our monthly payment would be $2,159.18. Our payment with TBW was $1,773.33 so the increase was $385.85/mo. and we didn't have $4,000. So customer service told me to fax a letter to the Home Retention Team requesting that this escrow shortage be spread out over 48 months. So that's what they did and our payments are now $1,871.63 which is still $98 more/mo.

I spoke with my real estate attorney and the County Treasurer and they realized that when the transfer occurred TBW did not include the unpaid taxes; therefore AHM was adding them to our account. In effect, TBW stole our escrow and AHM is making us pay the taxes a second time. I have filed a claim with BMC Group to get my money back from TBW, that may or may not happen as the government now has their fingers in it. I've also filed a claim with the Illinois Attorney General's Office re: both TBW and AHM. Since then, I've received info from AHM as follows: They now indicate that we owe for January and February $1,871.63 and $1,871.63 each month.

We paid and they cashed our January payment which they said was $ 1,760.50. We paid and they cashed our February payment which they said was $ 1,871.63. The current statement shows a statement date of 2.16.10, with a due date of 2.01.10. They showed current payment due $ 1871.63. They showed past due payments of 1,871.63. They showed unpaid late charges of $ 56.96 for a grand total of $ 3,800.22 and if paid after 3.16.10, another late fee of $ 56.96. They also want us to pay $ 1,773.33 for an August payment that was never drafted from our account by TBW.

At this point, we are not going to send any more money to AHMSI and yesterday, I faxed the Home Retention Team a letter stating same and the reason why. Basically, as a responsible consumer, we cannot be expected to just send money to AHMSI, a company that we know nothing about and has us sending money to a P.O.Box. They have only one customer service phone number that I can see, all the others go to fax machines and who knows where it goes from there. The only "real" address that I see is for overnight mail, 1525 *** Coppell, TX 75019-4913. As far as we are concerned, our agreement with TBW was null and void when they stole our escrow money. So, if we do have a mortgage with AHM, I want to see what those papers say and decide if I want to sign them.

Sorry this is so long. This has been going on since last August and it's getting worse with AHM. I am so glad that I found this information. I thought I was going crazy until I started to see all these pages of complaints. Thank you very much. If American Home Mortgage is taken to court, we would like to be aware of same and included in the case. So far, we are able to keep our heads above water. Our credit score has not been affected and we are up to date with other payments, although we do have rather large medical bills from past illnesses and Karen is on disability with fibromyalgia and mental disorders.

This frustration and stress is not good for her and she is in more pain now than ever before. Russell works hard to make a living and doesn't deserve to be treated this way. If we do start missing mortgage payments, I suppose we will eventually loose the house and then our credit will go bad but I don't see what else to do. We've asked for help and gotten none. Our wish now is to only preserve our finances. Karen is 50 years old and Russell is 60 years old. So retirement is on our minds.

This company is a sham! My monthly mortgage is never the same as the previous months. It always do to a supposed "escrow shortage". No matter how much I pay in, oddly, I am never over, always short! Once your payment goes up, it stays up! I have a loan modification that was supposed to include my escrow shortage amount. After only 3 months, they changed my payment by almost $200 because of this same shortage. They are charging me twice for the same shortage! I have been trying for two months to get this resolved and they refuse to fix it.

This is ridiculous. They can't get away with all this. I feel they are just stealing their customer's money and getting away with it. Is there something that can be done? If anyone has filed a lawsuit against them, please let me know because I would be glad to join! If I had any way to refinance my home with another company, at this point I would, but it is just not possible. I am a single mother trying to keep my home and this company just decides from month to month what my payment is going to be. I seem to be the only one who doesn't know.

When we bought our home, we both had great jobs and we were very happy that we found this great home in a good neighborhood. We have now found ourselves fighting the economy to stay afloat. Nathan has lost his job and soon after, I lost mine. I was lucky enough to find employment, but as for my husband, he has been forced to do what he can being in the construction world it is hard to find anything that will make ends meet. We have now found ourselves in serious trouble. With all the downfall we have now had to choose to put food on the table for our young children or pay our mortgage.

We have been negotiating with American Home Mortgage Servicing to work with us to save our home and help us fight our financial hardship. In the midst of this, we have been nothing but disappointed. We send in all the documents they ask for but nothing happens for months. Then we are told that we do not qualify for a program due to the current value of our home being so low.

I have no control over this, thus, I am now forced to ask for your help in our fight with the mortgage company. Just so we can have a home to go home to. Not only for us, but also, for our young children. We are hard working individuals and are prepared to do whatever it takes to save our dream home.

AHSMI bought my loan from HR Block, immediately put forced insurance on property that has never had a lapse in insurance since I bought it in 1968. AHMSI claimed they had a notice from my insurance company saying I had no insurance and they would be doubling my monthly payment because the insurance they bought cost $2100.00 more than my policy every 4 months.

I called my insurance carrier and asked about the letter AHMSI received from them and they stated they never sent any letter to AHMSI! When I called back AHMSI, they refused to send me a copy of the letter they said they got from my insurance company and told me there was nothing I could do about it, pay or they will foreclose.

Option One sold my mortgage to American Home Mortgage in 2008 and until now I haven't had any problems with them. Around 7/09 my husband was laid off. In New Orleans, the work is there but the money isn't, so he was having a hard time finding work. Normally I have money kept aside from my paycheck (I work for my family) and I get a check every month that pays for my mortgage. During 7/09 and 8/09 with my husband out of work, we had some unexpected but necessary expenses and had to use the money set aside for the mortgage and we of course fell behind.

Well, I started making my normal payments again in September and trying to send a little extra when and if I could to try to catch up. They sent the first attempt to foreclose letter in October. Keep in mind that I am still as of today, 2/10/10 delinquent and have never caught up but kept making my monthly payments as scheduled. Of course, to add to my trouble, my homeowners insurance which is escrowed was due on 12/09 as well as my taxes. So, that put a deficit in my escrow account. Any extra payments went to the escrow account instead of toward the past due balance. I am not one to ignore issues so I kept in constant contact with AHMSI and informed them of any changes in income or expenses.

They kept telling me I needed to borrow money from whoever I could to catch up. I kept telling them that everyone I know is in the same boat I am because the economy is bad and all my immediate family works in construction in New Orleans. They then asked me to cash out any IRAs or 401Ks I had to pay the balance. I told them that my IRA was tapped out because of the market and I don't have a 401K. Everything seemed okay since I was making my payments on time every month from September on until 12/21/09. I received another intent to foreclose letter. Anyone who has gotten one from them knows it says a whole lot but doesn't really tell you anything. It states that at the end of 35 days, your account "may" be reviewed for foreclosure.

I contacted AHMSI and inquired about this. Again, I got the whole borrow speech and we attempted the modification thing with no real response. Again, I paid my normal monthly payment and kept in contact weekly with them. All this time I have been trying to figure out a way to catch up on my mortgage. Finally in mid January, I filed my taxes and I called AHMSI on 1/26/10. I told them that I will pay the balance to get the loan current on 2/5/10. The lady I spoke with told me she would note my account and set me up on a repayment plan that will stop the foreclosure attempt and stop collection calls. I even asked again to make sure that with making the arrangement to pay, my account will be okay unless I don't make my payment on 2/5. She said yes and we recapped the conversation. I called again on 1/28 and spoke to someone else. I again confirmed my arrangement for 2/5 to pay the balance to get the loan current. I verified the amount owed through February's payment. I hang up satisfied.

Well, previous to my calls at the end of January, I got called at least once a week with them trying to get a payment. Since I was told all collection efforts would stop unless I didn't make my scheduled payment, I didn't expect a call from them. On 2/5 I called to again verify the amount and inform them that I would be making my payment by Moneygram Express that morning and I would call them with the confirmation number. The guy I talked to said that my account was as of 2/4 in active foreclosure with an estimated sale date in August 2010. I was astonished to say the least. I asked him if I could still make my intended payment and he said yes.

Well, I prepared my form and money for payment and called back to get some more information about this active foreclosure that wasn't supposed to happen. Remember the letter said that at the end of 35 days, the account would be "reviewed" for possible foreclosure. And their website says that to avoid foreclosure, keep in contact, make payments as you can, and attempt the modifications they offer. Well, I've been there, done that. The lady I talked to this time told me that she couldn't really give me any information because the account was just set out for foreclosure and they have to wait for the fee schedule from the attorney. I asked again if I could at least pay the balance to get the account current. She said no, that they can't accept any payments because it wouldn't reflect the balance owed due to the not yet assessed foreclosure fees.

I ask to speak to someone in the foreclosure department. She told me they don't accept phone calls. Then, I asked if I could have the information for the attorney now assigned to my case. She again said she couldn't give me that information. I asked her what information she could give me. I explained my situation along with my conversations with 2 different reps on 1/26 and 1/28 and make her review the notes in my account. She read the notes back to me and her response was that when I made the arrangements and was told I was put in a repayment plan, in actuality I wasn't. They just put it in as a note, like a to do list. Now, twice I called and was told that I was okay because I was on a repayment plan because of my arrangement for payment. The lady told me that she saw what happened but nothing could be done until the fee schedule was in from the attorney. She had to request this. I said okay.

I called back again and spoke to yet another rep and recapped all of the conversations starting with the 2 in January. He too read me back the notes in my account including the ones from that day. He was in the Retention Team Department and I think his name was Chad. He reviewed everything and almost admitted wrongdoing on their part. He also said that until the info came from the attorney, nothing could really be done and he actually ordered it. He also said that when the information came in, he would talk to a supervisor about getting some of the fees possibly removed because of the problem with the repayment plan and the fact that it had only been put in foreclosure the day before. He asked me to call back on Monday, 2/8 and they should have the info by them.

I called on Monday, 2/8 and was told that the estimated balance due now was over $11K where before it was only $5K. I freaked out. The girl I talked to, Sarah, calmed me by saying it was only estimated and it shouldn't be nearly that much. She requested the actual amount of the fees. I was told to call back on 2/11. We continued our talk by me telling yet another AHMSI employee my story and another rep going over my account and reading back to me the notes put in the account. Sarah said that when the real amount came in, they would be able to help me get it all taken care of. I was able to breathe a little better with that but was still upset that it was happening in the first place.

I waited until today, 2/10 to call because the website said 24 hours to get a retention quote and mine was requested on Friday, 2/5 and again on Monday, 2/8. So, I figured that maybe it would be available. It wasn't on the website so I called again. The guy I talked to treated me like I was stupid. He talked to me like some people talk down to children. I got mad and I made him do the same thing I made all the others do. We reviewed my account together. He gave me the same ole song until I told him to check the conversations in January and then I read back to him what his website said. I asked to speak to someone in Retention and he told me he was in Retention. I again explained the situation and told him I couldn't afford $11K when it took me 4 months to come up with the $5K I had available now. He said that I should have waited and called when I was told to on 2/11. I thanked him and hung up. I figured I would wait until 2/11 and called as soon as I could.

Then, I got home and found the letter from the attorney in my mailbox. The same attorney I was waiting on for the fee schedule for the foreclosure, that is never going to happen. I read the letter, got really mad, and called my mother. Then, I sat down and wrote a letter to both the attorney and AHMSI. I explained my situation leaving nothing out and closed the letter asking what fees could really have been incurred if there will be no foreclosure, no sale, no court costs, and no legal filing fees. I also asked how they could claim to help homeowners stay in their homes when everything I have heard from them states the contrary. I could have brought my loan completely current on 2/5 the day after it was placed in active foreclosure and was not allowed. I was still able to bring my loan current on 2/8, 2/9, and 2/10 but was unable to. That means 1 week has gone by where they are billing fees that are avoidable.

An attorney can bill like $300 an hour and it could take 2 hours to write a 2 paragraph letter, maybe another hour billed to prepare it for mail. The account was placed with them on 2/4. The letter is dated 2/8. Where does that leave the struggling homeowner? If I were given the attorney's info on 2/5, I could have contacted them then. But I had to wait to get a letter that didn't tell me anything. Is any of this legal? Are the phone calls recorded? I can't afford this in any way, not financially, emotionally, or mentally. They are slowly killing people. If this is how they assist homeowners in avoiding foreclosure, then the homeless rate is getting ready to increase, because no one can really afford this. They are still ongoing. Hopefully, I won't have the trouble these other people have had and will be able to settle this tomorrow. Otherwise, I'd better start packing because I can't afford what they are estimating and I refuse to pay that because that is $6K worth of fees that they incurred, not me. I could have solved this problem a week ago.

I have been charged for late fees, and they said I missed payments that I have not missed. I have paid in advance for most months, and I am more than current on my account. I feel like they are stealing my money. The customer service reps don't know how to read the bill, or handle a concern. I have called them and emailed them, and they are not paying attention. Their own transaction history supports my payments, but they have not fixed my account, and they are reporting me late to the credit bureau, despite having paid on time. Actually, when I reviewed my bank statement and payment history, not only do I not owe late charges, but my account is current.

Not only have I been incorrectly billed, but my payments are current! Not only am I charged incorrectly on both accounts for late fees, but I am incorrectly charged for payments that has not been late! My accounts are completely current! My credit report should be updated accordingly as well! The late payments to the credit bureau has hurt my credit score terribly, and they are requesting for payments that I have already paid.

AHMSI are nothing but a bunch of crooks. Our trouble started with them in July 2009 when they paid our property taxes after we had already paid them (we were not escrowed). Then they said that we had to pay them back that they would not wait for their refund from the county tax office and then because of their mistake, they did a forced escrow, even though we explained to them that they were the problem not us.

The next fiasco with them is that we have been attempting to do a loan modification, in which they never return our phone calls (we've left as many as 20 messages in a week's time with no response) or if they do decide to call us it is to ask for more and more documentation, which I send it to them the very same day of their request. This has been going on since October 2009 and still no word if they are going to do a mod or not.

Third problem with them was with the homeowners insurance, which nothing had changed, same policy etc. but they claimed we didn't have insurance (this was December 2009), when we do. We had to send documentation of coverage numerous times. If you look at the report on at the U.S. Treasury website, you will see that through the end of December 2009, they have only completed 232 permanent modifications, so for those of you who are so unfortunate to have your mortgage serviced by this company. I wouldn't hold my breath about getting a loan mod. If they don't do a loan mod we are walking and I hope this house sits empty until it falls down. I wouldn't wish this mortgage service on my worst enemy.

the latest I send 2 months worth of check stubs since I have 2 jobs, so the Bank will consider my request.

Well, there was an agent hired by the Bank AHMSI around my house stating that the bank is not going to help and my house will be sold on February 16th 2010, and I don't have a chance, CFPG REP/ Sylvia P. called AHSMI at 877-, spoke with Idalia ID EG#2, she said that recent docs were not uploaded on the computer and an the file was denied, and went to quality control she also stated that the investor will loose too much money if they give me the affordable housing program that President Obama opened last year for distress buyers, please help me.

I don't want to lose my home. This Bank AHSMI have been playing games since June 2009. At the end of the day, the investor is more important, leaving my family homeless. My wife is very depress and my children are not doing too well at school. They are afraid we will not have a place to live pretty soon and I don't know what can I do to keep my house, AHMSI don't want to help.

I was in default with my mortgage and was nearly ready to lose my home. I paid the balance to save my house. That was April 28 of 2009. April 29, 2009 I sent a loan modification packet to them to have my loan payments lowered due to employment hours cut. My interest rate is currently 9.55% and I wanted to get that lowered as well. It is now February 2010 and I have still not had my modification processed. I call every Monday to find the status of my loan only to speak with people who barely speak English. I have had currently four loan negotiators.

They tell me a new negotiator has 60 days to assess our case. Every 60 days, a new one is assigned! My taxes have not been paid, then there are late fees because of this and they charge me the late fees. They charge me fees they can't account for. I asked why my taxes aren't being paid and they told me the money in my escrow account was not there. "I pay my payments in escrow every month so the money should be there," I said. They said my money does not stay in "my own account", that it is distributed out, and funds are paid when they get to it.

I have been lied to for nearly a year by this company and promised to be called back repeatedly by "someone" and the call has still yet to come. I have sent in four loan modification packets in the last 11 months, yet as of Saturday February 6, the documents I sent in are missing again, which is what they have been telling me the previous four times! I told them I was going to seek a lawyer if they did not get their facts straight to which they told me that this was not necessary.

I had no reason to hire a lawyer just because they charged me fees they couldn't account for, or just because they spent my escrow and didn't pay my taxes and then charged me the late fees, or that my loan modification should only take 60 to 90 days and it has been nearly 12 months. All these things listed are no reason to get a lawyer! I have lost so much trying to get this done. I don't know what to do. I feel helpless and just want some answers. If anyone reads this that can help or has some advice, please call! I have missed several days of work trying to get my mortgage straight. My phone has been shut off several times because of the much time you are forced to be on the phone with them to get to speak to anyone! I can't begin to estimate how many nights of sleep I have and I am losing because of this company. Late fees, late tax fees, juggling of payment amounts has cost me money I clearly do not have.

We bought our home in 2007 with Option One mortgage, payments were adjustable. Then we were sold to AHMSI and all hell broke loose. They raised our payment by two hundred dollars. So we decided to do a loan modification. What a joke. They told us we needed to be a month behind. So we did not pay for a month. Well, then they did the modification (that only lasted for six months). Then I received a letter saying I was two months behind and also behind on my taxes and insurance (escrow). We sent that money in. Well, I was still behind and sent more money. It took me six months to get this under control which wasn't with it because we paid more in loan modification than our original payment. Still I can't get any help. They are stupid and rude. You have to wait forever to speak with someone who speaks English. I agree. We need a class action suit.. How do you go about this?

I have a credit rating of over 800, always (with over 30 years paying mortgages) have paid between the 1st and 15th of the month and consider myself to be a wonderful customer for any lender. I have had a mortgage with AHMSI for about 2 1/2 years. I did not hear a peep from them for two years. In the last six months, they have begun calling me starting on the 4th of the month to "remind" me that my payment is past due. At first, I argued with them that it was not past due until the 15th and please not to call me until that time.

If I am ever late (beyond the 15th), I would welcome their call. After the initial contact with them, they began calling with a recorded message to tell me I am late. I would just hang up. They would continue to call twice a day until they received my payment. I was furious and called to complain. They were very hard to understand due to the heavy accent and told me to read my contract and that I had "promised to pay by the first of each month".

Anyway, this is harassment in my opinion and a very bad business practice to irritate your good paying customers. You would think they would be happy to be receiving their monthly payment. I finally spoke with a supervisor and told her I wanted the calling stopped. She said the only way to stop it would be to fax them a letter which I immediately did. On the 4th of the next month, I got the usual call and spoke with them and could barely control my anger. The rep said they had received my letter but that I had not signed it.

Needless to say, I was ready to explode. I re-faxed the letter with my signature over my printed name. I'm willing to bet that come next month, I will begin to receive the same calls. When asked when I would be making my payment, I told him it was none of his business! I hate them and think they will lose a lot of business over their treatment of their customers.

I currently hold a mortgage loan with this company which is in good standing and has never been late. My loan payment is due the first of each month up to the 15th (without a late fee). I am constantly receiving phone calls from this company every month starting from the 1st up until the payment hits their system. I've repeatedly requested that they not contact me, yet they continue to do so. Their constant calls are starting to feel like harassment.

We are a younger couple that have a small family-operated business. We purchased our farm in 2006 and got a mortgage with Option One. Last year we started getting bills from AHMSI and were told that Option One went out of business. We have been paying from $2,500-2,800 a month for over three years.

A couple of months ago we got approved for a refinance. We have always made our mortgage payments and we made our January payment like we always do. The closing was set for January 29, 2010 so we assumed there would be nothing owed for February since we had already made the January payment. As part of the closing we needed information on payoff balances, wire instructions, and also on mortgage discharge. On January 22, 2010, we sent a written request to AHMSI to release any and all information regarding our loans to our new mortgage company. We have a fax conformation that they received it.

We then called AHMSI to see if they received the information, but they said they did not. Then after three or four phone calls and several managers, they told us the wording was incorrect and to re-send it. We resent it with the correct wording and have a conformation that they received it. They still would not provide us with the information. It was like being held hostage in a criminal loan. Finally the day before the closing, we were able to get the payoff balances and wire instructions through their website. Nobody ever told us we could. Then we found out that we owed around $3,300.00 in interests, which we did not understand since we had paid the January payment and the closing was on January 29 and they would receive their payment before February.

Nobody could explain the calculations on the interest. The answer we got was that it is just how it is. At the closing we realized that they had calculated interests on the first loan until February 7 and the second until February 27. However, the first loan had a payment of approximately $1,600 a month - the interest to February 7 were $1,623.20, which makes no sense that seven days of interests is more than the full monthly payment. The second mortgage was around $886 a month and the interest until February 27 were $1,622.24, which does not add up. When we called them about the extra interests, they informed us that we needed a written request to see the calculations.

After already sending them three faxes without a proper response, we fear that we would not get a response to a request to see the interest calculations. We spent countless hours and days on the phone to get information and we still don't have it. Their automatic system makes it almost impossible to get a hold of someone and you never get the same person twice nor can you get a direct line to people handling your case. It is almost like nobody is in charge and they do anything to make things confusing and difficult so you just give up.

We still don't know if they will refund the interest to us. Further, they said in their payoff package that all information regarding the closing would be in it, but there were no information regarding mortgage discharge. We still don't know if they will provide us with a mortgage discharge because nobody would answer the questions about it. We have no idea how much the mortgage discharge will cost nor would they give the new mortgage company any information regarding the mortgage discharge even after receiving permission from us to do so. So after over three years of paying mortgage payments, over $100,000 in interests, we owed more than we borrowed.

It was a horrible experience and we almost lost our home and our business because we almost could not close on the new loan, which made our mortgage payments go down $1,200 a month and with only 4.5% interests, $100,000 in interests and we owed more than we borrowed. We want them to be stopped so others will not be hurt by AHMSI. Thank you for your time.

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 performed when my loan was with TBW and my monthly mortgage statements from TBW showing I had mortgage insurance before the appraisal. 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. B. 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.

Today, my birthday, the postman buzzed me down from my apartment to collect a couple of packages that wouldn't fit in the mailbox. He also handed me a pile of mail. I went back to my apartment and sorted through the mail for expected birthday cards, only to discover a USPS envelope containing an empty and deliberately torn envelope from my parents, addressed to me. As reported by my father, at the time it was dropped in the mail, it contained a singing birthday card and a personal check, all taped securely in the envelope. The following message was printed on the back of the postal envelope, with my own thoughts inserted in parenthesis:

"We care, US Postal Service. Dear Valued Postal Customer: I want to extend my sincere apology as your Postmaster for the enclosed document that was inadvertently damaged (completely intentionally!) in handling by your Postal Service. We are aware how important your mail is to you. With that in mind, we are forwarding it to you in an expeditious (and stripped of value) fashion. The United Stated Postal Service (mis)handles over 202 billion pieces of mail each year. While each employee makes concerted effort to (steal, rip off, or carelessly destroy), process, without damage, each piece of mail, an occasional (frequent) mishap does happen.

We are constantly working to improve our processing methods so that these incidents will be eliminated (here's a tip, don't hire convicts). You can help us greatly in our efforts if you will continue to properly prepare and address each letter or parcel that you enter into the mail stream (as was done with his particular piece and look how it ended up). We appreciate your cooperation and understanding (nope, not from me) and sincerely regret and inconvenience that you have experienced. Your Postmaster"My parents will likely incur a cancelled check fee of approximately $25.

A week ago, I came home from work to find a man in my front yard taking pictures of my home just 3 weeks after my mortgage payment was late. I not only felt violated, but knew that this was somehow going to be tacked onto the mortgage payment I am working so hard to catch up on. Yes, I have a history and yes, I am behind. But I am not renting this home, I am buying it. I have been in this home for 20 years. I have spent most of my time, working on this home myself and by myself, and even a week long vacation on October 2009, painting it from dawn to dusk on my own for 6 days straight.

I cannot help that five years ago I was laid off and then got cancer after finding a job, but I can figure out how to catch up now that I am healthy. I would really appreciate a little credit and acceptance of just late fees if I am late while trying to juggle this hefty mortgage. I was forced to refinance the last time because no one at their agency felt it important enough to even return my calls after I made it clear I would not get an attorney. I am paying $192,000 on a home that is worth $125,000. I met with several people that could have helped me, but I decided to work with their company. I was asking for their company to treat me fairly, and was appreciative they were willing to work with me at all.

I do remember, however, I got into that predicament because they tried to charge me all these additional fees when I was late just a couple of months. They returned my payment because it was over 30 days late and then wanted the next payment immediately. I remember calling after that and they had all these additional charges. Well, I am tired of this. If I am late; I will guarantee a late fee; but please back off and let people work. I have a plan but can not do it in their time. I work 5-7 days a week. Whether I go to work or I am sick, I am still responsible for the work.

I am very upset because I need to be able to work a lot of hours in a week, and yet have time to figure this out and without all this pressure . I am also upset that they feel you have put so much into this home because I have a loan. They could never pay me for the hours I have worked on this home alone. I think it is fair that they have a little respect for the homeowners trying to pay off their debt before they try to bury them with fees. I also think it is just wrong to send strangers over to a single women's home after she is late on a mortgage payment just three weeks. That is just wrong on so many levels. I am sending this letter to several agencies only because I need feedback as to best practices; I want to be reasonable. I also want them to know that I plan to catch up shortly.

AHMSI took over my loan servicing without my consent. They are apparently completely incompetent, or are fraudulently delaying the processing of payment so that they can add on a $114 late payment as often as possible to customers who attempt to make their payments on time. Beginning the moment that I submitted paperwork to have my loan modified in March 2009, they suddenly could no longer process my electronic payments from my credit union. My timely mortgage payments were returned to my credit union, and then they'd call saying I hadn't made my payment. This happened twice in early 2009.

So then I started sending paper checks. I do not want them to automatically deduct the amount from my checking account each month. I want the right to choose how and when I pay, so long as it's done before the 14th of every month. I prefer to pay electronically, online, but now they suddenly are incapable of accepting these payments. Who ever heard of that? Additionally, they aren't even able to process my paper checks in a timely fashion. Twice now, with January 2010 being the second instance, I've mailed my check around the 4th or the 5th from California, and they say they still don't have it in their Texas offices by the 13th. The Post Office does not take 8 or 9 days to get a first-class letter to Texas. This takes 3 days. For 20 years, I've sent payments by mail for my mortgage payments, and no other company ever, ever, ever lost my check before. It's happened twice in 5 months with AHMSI. I believe this is sheer fraud, so that they can collect late payments.

American Home Mortgage Servicing took over our mortgage when the original company was closed. Ever since, we have been getting harassing phone calls from people who barely speak English and are extremely disrespectful. When you call them, they put you through all this ridiculous questioning and then put you on hold until the time runs out and you are disconnected and have to do it all over again. I just wanted one of their employees extensions and couldn't even get that I was told they couldn't find it and that they had no e-mail address. These people are impossible to deal with.

I was hit by a man pulling out of his driveway. I now get SSI to live on. About $675 a month. this money goes to a payee. I was not be behind on any payments. Payee said to call AMHS, and try to get a loan re-modification. It took them 18 months to get it done. I was told that it would be mandatory to pay my taxes monthly, and my new payment would be $650 per month, and I agreed with it. Just two months after I started paying, I got a billing statement asking for $500. I called them to ask why my payment went up. No one in India could tell me why I now owe $500 more per month. I was on the phone for over two hours, to find out that the person who did my re-modification forgot to add my taxes onto the new loan, and I could pay $5,000, and remove taxes from escrow.

I told them I could not pay any more then $675 per month. That is all I get to live on. My payee stopped paying, because they would not take just part. My monthly payment is now $275 higher than before my re-modification. I am now in foreclosure. I thought I would die. I no longer care about this home. They can have it back. I would rather live on the streets, than try to work with this company. They are a bunch of rats. I had my local county government do some weatherizing to the home for free. They did it wrong. They didn't remove the sidings to drill holes. They just drilled through the sidings. The house looks like Swiss cheese. This is very fitting for the rats. They drilled into wires, and wall studs. Soon 275 2-inch holes are found all over the house. The roof leaks. The basement also leaks. No one is going to stop them. I now have lost all my credit. I am very sick, and this makes me even sicker. I am losing my mind now, and it may never be right again.

I just wanted to let you know if this sounds right. I will try to make it as brief as I can. I'm trying to modify my existing mortgage from 7.25 to a lower rate. I filled out all the paperwork for the Obama's making house affordable and was told it will take 30 - 90 days to process. I called within 30 days and was told they were still processing. I called again three weeks later and was then told that they needed current bank/pay stubs. If I didn't call, I wouldn't know they needed it and asked them if there was anything else they needed? They said no. So I faxed over the paperwork.

I was told it will take several weeks to process and to call then. When I called, I was told that my loan was denied because I didn't forward the IRS from the original package, which I did and had confirmation that all papers went through 2nd because my husband's pay stub didn't have the total ytd . I looked at his pay stub and it was right there on the bottom of the stub. I asked to speak with a supervisor and was told that once it's denied, the paperwork is shredded. They never contacted me at any time to resolve any discrepancies. I only found out once I called. I was told I had to start all over again.

I started this process the beginning of September & it's now January 8th and they are still reviewing. I'm trying to lower our interest rate which will save us between $500-600 a month because through the winter months, my husband looses hours because he's in construction. I've been making our payments but my husband has been out on unemployment for 5 weeks and our savings is going down. I started this process in Sept in order to prevent us getting to this point. This extra $500-600 a month savings is a big help. The mortgage company is American Home Mortgage based in Texas. I'm probably not the only one who is going through this but wanted to share with you. I guess they will only help you once you don't pay and won't help you avoid getting in that position.

I am beginning to think everything about AHMS is a complete scam! I too, was a former customer with Citi Residential, until my loan was transferred to AHMS. My problems with AHMS started about 3/4 months ago, when they claimed I did not have homeowners insurance, then they placed their own insurance to my mortgage, then raised my monthly payment amount by an additional $288!

I was dumbfounded, especially because I've always had separate home owners insurance through my own local company ever since I've owned my home, which now has been since 2001. My loan has been transferred before to different mortgage companies with no problems at all, but AHMS is a different game altogether. Initially, I first attempted to handle the dispute by calling AHMS, after several calls and after being hung up on numerous times, I thought it was corrected in the system, but that would only begin a series of letters, calls and absolutely no changes to my account whatsoever.

Finally, I had to actually go to my insurance company, explain to them the situation (again, but this time in person) they were confused as I was because they had sent proof of my insurance before. So there I sat, while my company faxed over proof of my up to date/non cancelled coverage. I was told the information would be updated and I left, that was that. But it was not, I continued to get notices of my increased payment amounts.

My payment amounts were not being properly applied and I know that I've called AHMS about 2 dozen times trying to explain repeatedly about how I had coverage and that the increase was incorrect. I did not bulge once in the amount I sent each month, no matter how much AHMS said I owed! I was furious w/each call. I told the same story to each rep I spoke with they said they had to verify it w/their insurance dept. and again nothing was updated, nothing was resolved, month after month.

A few weeks ago, I did get a letter from AHMS insurance dept. saying the info was updated, I should receive a credit and that my payments should be fine, no late fees and to check with customer service because they didn't handle payment issues. There was a slight sigh of relief. Until my December bill came, nothing on it had changed and in addition, I received a letter stating the the Dec. payment I had sent in would not be applied because it wasn't the full amount! I thought I was gonna have a heart attack!

Here I was again, back at square one. Calling a customer service rep in India who was totally clueless of any changes. I was put on hold at least 5 times, to the point where I was just hung up on. I continued to call, I called back to the insurance dept. who told me that all the information should be updated in the customer service dept, so I pleaded w/the insurance dept to just tell that to customer service, they connected me, but when I was one on one with the customer service rep, again I was put on hold for her to verify the info. Which of course she still didn't have correct, how could this be? I had turned into this monster of a person, screaming and shouting, "This is incorrect, why can't you fix it, I've sent proof in" It was totally pointless!

I have a migraine just re-living this whole nightmare! The last thing the rep said to me was, (again) I'll investigate and call you back and that was only after I asked for the complaints dept, (which she said they didn't have) It was only after I said I was calling consumer affairs. I'm so fed up! If I could switch mortgage companies this second I would do it immediately.

AHMS is the awful, most unprofessional, just absolutely the worst of the worst in mortgage companies! And as I read comments left by others, I can't imagine why a lawsuit hasn't been placed against them. Customers just like me have been through the exact same thing, it's unbelievable! There has been no economic damage that I know of, maybe to my credit, heck I don't know but I do know that I refused to send them a dime more than what my payment amount was. My pain has been physical and mental crying to my insurance company, migraines, just the pure anger and frustration has been enough to just put me right over the edge!

Nothing but severe problems with this American Home Mortgage, I have been in an active Chapter 13 and in 2009 Option One sold my account to these idiots. First and formeost they changed there payment adddress without informing us all until the postal carrier started delivering my checks back to my home as undeliverable. Then they attempt to get my order of a conditional stay klifted for non payment when I have all original recipts from my bak account and my attorney has them as well. They someohow managed to get my automatic stay lifted, I do not know how being I have all proof. They ahve charged me legal fees and I ma sure late fees when I am not late or overdue. And now my bankruptcy.

Also, back in May 2009 I applied for a loan modification to my original statements and still have NEVER heard. Lastly I am sure my notice to foreclose will come soon, too bad my lawyer's on it and also I will be refinancing as soon as possible. Oh and yes never received any of the four payment history's I attempted to get in writing and over the phone numerous times, and guess what if they have not posted my payments that I have proof for would not surprise me these are lost and unaccounted for somewhere, becuase I am just another number to the consumers that this company has fradulantly and predatored on in this forum. I am very disgusted with this company I am all for hiring someone to represent me or as well join a class action lawsuit. Terrible what they do to people.

I have repeatedly tried to modify my loan with this company. I read all of the posts from other complaintants and my experiences are identical. After 8 months of trying to modify back in 2008, I was finally "offered" a deal of 8.65% to change my loan from an ARM loan to fixed. Very reluctantly I agreed for the simply fact that I did not trust how high they could go on the ARM plus, I was having help from my mother to pay the note each month and she thought it the way to go against my better judgement.

After learning about Home Affordable Modification Program, I applied 6 months ago and as is customary of AHMSI, numerous documents in my packet were "missing" over and over in order to buy them time. Finally, after they admitted to having all of the necessary documentations, I rec'd a letter on Christmas Eve 2009 turning down my application for the HAMP because [AHMSI, as the servicer, does not have appropriate contractual authority or any required consent from the owner of the loan to agree to the HAMP modification].

They are unwilling to participate in what our president has gone to bat for for all Americans harmed by the subprime fiasco. I should not be paying a rate as high as 8.65% in this economy as the prime rate is much lower and I am entitled to that rate as well. I am still having to borrow money to pay this note. I have lived in this home for 22 years and would not be able to afford rent in another dwelling as it is even higher than my note!

I would like to join in on a Class Action Suit. It is a modest home in a not so great neighborhood, so AHMSI would never be able to sell it for what I owe on it, NEVER! They would benefit most from my occupying and buying this property, plain and simply. Isnt this the American way?

Apparently Wasim did not understand what I was saying and referred me to pay online and laughed. Though I found this behavior odd, I thanked him and hung up the phone.

I received a letter Oct. 29, 2009 from AHMSI, dated Oct. 21, 2009, that my mortgage is more than 21 days delinquent. I called Oct. 30, asking to speak to someone I could understand and could understand me. I was transferred to a representative in Texas. I told her my story of what happened, and explained that my husbands income has decreased, causing a strain on our finances since we are now basically living off of my income. Bansha transferred me to a representative from the Home Retention Unit.

This individual became rude since I did not have the information available that she wanted. I told her several times that I was transferred to her and did not know, nor was informed, that I had to have such information immediately available. I told her what happened regarding the two mortgage payments, and asked if she could remove the overdraft fees and the late payment. She refused, stating this goes against their policy. I pleaded with her, asking why this mortgage company is being so difficult and unwilling to help those of us in need, who are trying to do their best to survive.

I asked how much I owe so I can get this matter cleared up. She said I owe $946.65, but I must pay by cashiers check because of the overdrawn checks. I again pleaded with her to remove these charges, and told her I could not get a cashiers check since my bank is in Texas. To provide AHMSI a cashiers check, I would have to go to an ATM and make three separate withdrawals on three separate days, placing my life at risk, and I would not do that. Her response was that I am an adult and should figure it out.

WHen I call the company, I can only speak to someone in India who yells and threatens me. I have mailed in me payments since then, but they have not cashed the checks and are not willing to tell me if they where received. I do not know what to do and am afraid of what they will do to me. My husband and I both have severe health problems and the added stress is not helping our health. We do not know what they are going to report to the credit bureaus, etc.

Due to the loss of income, and seeing there was an opportunity to modify our mortgage so we would not lose our home, we have been trying to have our Loan, with AHMS, modified since the beginning of August, 2009. Here is an account of what we have been going through so far:

August, 2009 Looked up on AHMS's website for what needed to be done to apply for a Loan Modification and faxed in to American Home Mortgage the paperwork that was requested. Received letters from AHMSI asking for additional paperwork, which we sent in each time. September - Received another letter saying we were possible candidates for Make Your Home Affordable Program. The letter asked for additional paperwork and suggested we call if we had questions.

Having questions, we called and were told we most likely would not be considered for this program. Said we already had a low interest rate and this particular program was meant for people with high interest rates. We were told that even if we were considered and approved our mortgage would only be lowered by a very small amount. The woman on the phone made it seem like it would be a complete waste of our time.

Because of this phone call we did not send in the additional information, being told we wouldn't qualify for it, and assumed we were still being considered for the company's own Loan Modification Program. (The letter telling us we might be eligible for the program said if we were not, then we would still be considered for the company's program.)

October - Received a phone call from someone in your Loan Retention Department asking why we didn't send in the additional information for the Program. When we explained the prior conversation, she said that all that information was absolutely incorrect and we were good candidates for the program. She told us what additional information was needed and we complied, sending it all in to her.

November - Continued receiving letters from AHMSI asking for additional information, all of which had already been sent in. When we'd call to find out why, we were told various reasons: a date missing from a form; hardship letter needed to be resubmitted on a different form; proof of income not significant enough, so copies of all checks had to be obtained from her employer and sent in, etc.

With each phone call came a request, the request met, then either another letter asking for something else or when calling on the status being told something was still missing. Finally reached a point where we were told all paperwork was in and it would be turned over to a Negotiator who would contact us within 21 days. Three days later we receive another letter, this time asking again for a Hardship Affidavit.

December - When we called to find out why, we were then told that none of our paperwork was completed on the correct forms. That everything we turned in was suppose to be considered for the Obama Make Your Home Affordable Program, but was completed on AHMS's forms. We had to resubmit everything again, which we did, in order to be considered for the Make Your Home Affordable Program, then call in three or four days to make sure it was all uploaded and nothing else was missing. To this point, during all these months of letters and phone calls, we had never been told the paperwork was sent in on wrong forms.

Today, December 10, 2009, I made that call and was once again told we were turned down because we didn't get our paperwork in on time. When I explained what happened with the original phone call saying we were most likely not eligible, the woman then told me to resend my pay stubs because what was sent in was not legible. I wasn't sure how I went from turned down to resend something that was not legible in the same conversation, so I asked to speak to a supervisor.

When speaking to the supervisor I was told they do in fact have all of our information, but we didn't qualify for the because we didn't have our paperwork back in by December 4th. I SENT EVERYTHING BACK IN ON DECEMBER 3RD! When I told him this, he agreed, saying he could see that on the computer.

He then gave me the Resolution Dept. number to send a history of how our claim has been going, so we could once again ask for eligibility for the Make Your Home Affordable Program - being at no fault of our own did we become ineligible. He said he could, at this time, put us through for the company's loan modification program, but the Obama Program was a better program for us, so we should follow through with this letter.

Since we started this procedure, the beginning of August, 2009, we have received at least a dozen letters from AHMS; at least as many times have spoken on the phone with people at the Call Center in India, Customer Service in India, Customer Service in the U.S. and SOMETIMES finally being transferred to an Associates in the Loan Retention Department; have never spoken to the same person twice; have been given different stories and instructions from every single person we've spoken to; have sent in over 100 pieces of paper by way of fax; and have been requested to send in the same information two and three times.

We feel as if the Loan Retention Department is blatantly delaying our loan modification. No department could possibly be that mishandled to be asking for duplicates and triplicates of the same forms, not knowing what dates paperwork has to be in by and not knowing what forms they have to be submitted on. We feel we have been mistreated since the very first contact.

One other point: EVERY TIME we call to speak to someone in the Loan Resolution Department, which is located in the U.S., we first get connected to someone in India - who reads off a script asking various questions. Then when we ask to be connected to someone in the U.S. Loan Retention Department, they eventually say they'll transfer the call, only to transfer it to a Customer Service person still in India. This person again asks a battery of questions and tries hard to not transfer the call. Only by being insistent does this person finally transfer the call back to the States, and only sometimes have we been connected to the actual Loan Retention Department. Sometimes we're first sent to U.S. Customer Service, and sometimes it does eventually get to the proper department. This process takes over 15 to 20 minutes just to speak to the proper department!

If there are this many complaints about one company who is buying out bank's mortgages, why hasn't the government closed them down? In addition to the mental anguish that each and every phone call and letter has caused, the delay is most likely going to end in our home being foreclosed on! I was told by a friend that they went through a similar Loan Modification Program with another 'legitimate' bank, and the process was quick, easy and friendly. We have been working on this now for over four months and have gotten no further along than the day we started!

I am experiencing emotional stress due to their 3rd world country's debt collectors, as they say "We are a debt collector". The last time I looked, I was signed up with a mortgage company, and my payment was never late.

These people need to be investigated and stopped. What a nightmare! We were with Argent, then sold to Citiresidential Lending then sold to AHMSI. Our nightmare started when I had a very serious accident in May of 2009. I was unable to walk or work for one month. We fell a month behind on the mortgage and they said we were two months behind. They started harassing us daily by phone keeping us on the phone for as long as one hour each call.

They were threatening us with foreclosure. We tried to no avail to get a payback plan set up with them but they kept denying us that options stating we didn't qualify. We kept trying to send them extra money but that was still not good enough for them. We had no choice, we had enough and we hired professionals. As soon as our representatives contacted them, they served us with 16 copies of the same foreclosure documents.

Our representatives have been trying to work with them to get us a modification, in the meantime, we have now been served with 10 copies of the same document stating that our home will be sold on the steps of the courthouse on December 23rd! Two days before Christmas. They seem bent on continuing with forclosure proceedings and don't give a rap that the loan is is being reviewed for a modification.

These people are horrible and cold. How can they throw us out on the street two days before Christmas? They need to be investigated by the Federal government or some authority higher than us poor struggling homeowners. Shame on them! I was shocked to see pages and pages of complaints about AHMSI on this website and even more shocked that they are not yet under investigation or being called on the carpet for their behavior. Or, are they and I just don't know it?

If they don't cancel the sale of my house by this Friday, I'm hiring a lawyer to stop this. Please help. This is causing financial and emotional grief. I'm still trying to recover from my accident and we live here with our severely disabled daughter who needs round the clock care. These people clearly need to be stopped. 16 pages of complaints warrants an investigation and sanctions. Has no one noticed this?

AHMSI in Feb, 2009 drafted my account after they said they would not and I had already sent them a payment. I accepted this error and payed my bank overdraft fees and the additional sum of the payment that was not suppose to have happened. AHMSI did not take the draft payment again and sent me a letter stating they would not do so for 6 months. They have not done so until 12/1/2009 they decided it was time to draft my account after I had online said to not do so and did not have the money any longer in that account.

I had already sent a payment and they are now drafting my account without any authorization to do so. I never sent them any authorization form nor have I made an online authorization for them to draft my account. I called them to see if I could get this straightened out. They are unwilling to do anything and said they had to have it FAXed or in writing with my signature to stop the drafts.

I never authorized the draft and there have been none in over 9 months. How can a company that is obviously doing illegal transactions getting away with it. Is it possible that this company is in bed with the US Government, seems this has been an issue since the change of our president and other credit accounts that I have, have had some other kind of issues like just lowering my credit amount or increasing interest rate and terms. What does it take to get our lives back?

I am thinking this is mostly caused by an inadequate government body putting a hand in private business. Where can you get any satisfaction or justice, or for that matter how do you fix the issues that are coming up over and over again with our creditors? From what I am reading AHMSI is doing unlawful acts in credit and loan transactions but nothing is being done to stop them.

I have paid my mortgage twice or over $1900.00 additionaly this year without being able to apply the overpayments that were taken from me to the next month. Costing me 2 overdraft fees and shorting my cash flow to where I can not even buy groceries for the month. I am out 5 months of grocery money due to a tight budget as an older person without many resources for income this has got to be illegal and there should be something that can be done about it.

My wife and I are going through our own ordeal with American Home Mortgage. Many similar complaints to those listed here, including assessment of exorbinant escrow payments, which have nearly doubled our monthly payment. For anyone who is not aware, American Home has been sued by the Ohio Attorney General for false and deceptive practices in connection with loan modifications and for their shoddy and incompetent customer service. Suit was filed in early November. You can read the complaint here: ohioattorneygeneral.gov/AHMSIComplaint

I have had nothing but problems with this mortgage company since they bought our mortgage from Citi Residential. First of all, our mortgage increased by approx $300 beginning in September 1,2009. The only way I found out was by logging in to the account online...no other notice was given. The latest encounter that I had with them was on the phone when I tried to pay my mortgage over the phone. At first, I tried on two different occassions to pay my mortgage online and when I gave them the amount, they always needed to speak w/ my spouse who is the primary account holder. So I finally got authorization to move forward with the payment and then the rep who I was talking with spoke so fast that it was difficult to understand.

I have not had any good luck with this mortgage company. You can't understand any of the reps and they are not very easy to work with nor are they willing to listen and try to figure out why you may be seeing something different. Our mortgage has gone up and down without any notice. The only way you know is by logging into your account and seeing notices. There definitely needs to be some lessons in customer service.

I can take being wrong if you just explain to me that there was a mistake, but when you are rude and unreasonable, then I can't deal with that.

I hope someone does file a class action suit against them. They really don't know what they are doing at the company. I have dealt with many different mortgage companies over the 10 years that I have had owned my home but this one has got to be the worst. Thanks for listening.

In March 2009 I received a notice from the Receiver of Taxes that my Town taxes were not paid for the month of January. I contacted Citi Residential to inquire and they said they sent the taxes and had not heard anything back. They sent me a letter verifying that they did in fact send the taxes in.

In October I received a letter from the Office of the County Treasurer stating that they had received NO PAYMENTS for my Town tax for the entire year and that come February, if the taxes (totalling $2691.30) and interest and penalties ($448.83) are not paid, my house is going up for auction.

I did in fact fax a demand letter demanding proof of payment.

It also showed a tax refund deposit on 9-28-09 in the amount of $1,345.64.

11-18 I called American Home and spoke to Karim who asked if he could connect me to the tax department. I was transferred to Tasha. She claimed that the $1,345.64 was paid and the check from Citibank was received. She put me on hold and actually called the receiver of taxes. She submitted request for immediate payment in the amount of $3,140.12 by 11-20 and she verified the payment information with the County. She said interest and penalty in the amount of $448.83 will be coming from corporate.

So that leaves me where? Still nowhere. According to my statement online, no payments have been made. I will call the tax department on Monday to see if they received anything, but in the meantime, they still have not paid the full amount.
I would give ANYTHING to have my mortgage transferred to someone else at this point. This issue is the second one I've had with them. I don't even want to get into the first.

SOMEBODY HELP!!!

We had a bankruptcy 3 years ago. Released from the court over 1 year ago. Citi Financial sold our loan to AHMSI. A year of payments were made on line, almost always on the 16th of the month. I noticed Septembers payment wasn't posted from my bank account. I called AHMSI and they told me I would be charged $99.24 late fee and I could no longer pay on line due a bankruptcy. I e-mailed a complaint like they told me to do but was told the payment made over the phone on the 24 of Sept. is my late payment. I was never told about this change.How many people are now paying a late fee?

American Home Mortgage has attempted to force me to accept their home insurance although I have a separate policy and as of September 2009 they have refused to accept my mortgage payments. They now appear to have sold the mortgage to HSBC who has not provided a billing statement nor have they provided an account number but, have filed a foreclosure suit. It appears that foreclosure is a part of their plan to have a judge rule in their favor so they can resell my home although I am willing to pay my mortgage as I have for the last eleven years. I'm concerned that they may succeed with foreclosing on my home.

In April 2009, I applied for the loan modification program on my home loan. The loan program seemed a good idea and it would help me lower my payments because during this tough economy, I owed more than the house was worth. In August 2009, I received a telephone call from someone from American Home Mortgage Servicing Incorporated to inform me that I qualified for the loan modification program. The representative stated that I was on a trial period for three months beginning in September until November.

After this period, American Home Mortgage Servicing would let me know when the program would become permanent. American Home Mortgage sent me a packet with papers to sign and return via next day servicing. I had paid my August 1 payment at my regular rate of $1,127 dollars. American Home Mortgage informed me that my first payment was due on August 10 but that would be applied to the September mortgage payment. Also, I was informed that payments would be due on the 30th of each month. That would mean that the payments would be due on September 30, October 30, and November 30 and the amount due was $942.41.

I have paperwork and coupons that were sent to me to send payments. I called American Home Mortgage so I could get their account number so I could send the money via money gram. I wanted to make sure the money was received by American Home Mortgage promptly before the due date. I wanted to make sure I did everything possible to pay my mortgage on time, and therefore, have this amount as my mortgage payment permanently. In the beginning of our conversation the loan company told me that if I paid on time, the government would grant me the lower payment for at least 5 years.

I did everything I was told to do to qualify for the loan modification program. During these last 2 years, I have never ever been late on a payment with American Home Mortgage Company. After I began to send the first payment is when the nightmares began for me. I receive letters on a regular basis telling me that I am behind on my payments and I need to send payment at once. The payment amount they calculated is not the amount they claim I owe. I receive telephone calls at work at least once a week. I call American Home Mortgage to make sure they have received the payment and they have but they can't explain why they call me.

I call AHMSI at least once a week for clarification but to no avail. I make on time but they say they don't have a record of any loan modification. Other times I call and they say they know I am in the loan modification trail period. I am so confused with their explanations. I received the last letter dated November 16 and it stated "they were active in pursuing foreclosures". I am very distressed by this letter. I have been making payments.

I am very sick about this situation. I can't sleep, I can't think straight, my pressure is high, I am getting depressed, and I am going through mental anguish about this situation. I am afraid that they will throw me out of my house even though I am making my payments. Even though I am making the payment amount that is requested and due, I am afraid they are ruining my credit score, credit history, and credit report. I wrote this letter in hopes that someone could help me. I was considering calling a lawyer because what they are doing is defamation of character. Please help me!

I started a forbearance agreement with citi residential on oct 20, 2008 and reinstated my loan with 10,000 dollars. in February 2009 American home mortgage services inc took over my account, I was late on Feb. payment by 30 days. on march 20 I sent a certified check to ahmsi. on march 29 I received my returned check from ahmsi claiming that it was in wrong form or not full amount. on april 13 2009 I came home from work to find a 3 day to quit notice on my door,

I called ahmsi and spoke to april. she said I could reinstate my for 14 thousand dollars, attorneys fee and late charges. I was never notified of a sale date of my home. I called c and r title company in rancho Cucamonga, and Lisa m. told me that there was a mistake and did anyone from ahmsi call me on this. I told her no, she said she would call them. I received a letter from ahmsi claiming that the sale was rescinded my attorney said that they gave back the buyer his money ,I never heard about this matter from them, I called ahmsi they said it was not a sale date set.

I applied for a loan mod thru ahmsi a was assigned a negotiator and linh g. told me that foreclosure would be put on hold till the loan mod was finished. than the new making home affordable program came out and I had to start allover, meanwhile I am waiting for decision on my loan mod I get three unlawful detainers against me at a cost of ten thousand dollars.

I received two letters asking to submit more docs for loan mod ,so I submit, meanwhile Chris shepherd dba summer creek homes puts title in his name, I called linh g. my negotiator and he tells me that the title could not be in his name because ahmsi owns the property, I go to the county recorders office and I find title in his name. i called ahmsi and told them, and they are clueless about this. Then I get another unlawful detainer against me from western capitol group, that is who Chris s. sold the house to.

months go by. here I am thinking they are working on my loan mod, called them in oct 2009. they tell me that there is no loan mod in process and they cant do anything because it has been sold, now all along this time I am beliving that they are working on loan mod, I need to file a quiet title asap to clear this up. i have lived in my home for 19 years and I want to keep it, this is illegal and fraud

I have been working with them for 4 months to do the making home affordable plan. I have sent hard copies and faxes to them about 20 times. What should have been a 90 day process is now into the 5th month. Yet again today they tell me they never recieved the stuff I faxed them on 11/13. I am at 10.75 interest, and they sure don't want to lose that. They will not even get the info to a negotiator.

They have denied it once due to income, but they never considered my husbands income so now I have to start the whole process over again. I may as well let them forcclose for all the frustration they have caused. I can't seem to get a complete packet to them, every week the rules change. They are all very hard to understand since they are all from? When I explain that I can't understand them clearly, they get mad at me like its my fault they don't speak understandable English.

All I want is to keep my home, and I really feel like all they want is to throw me out. If this is a government sponsored program, why can't they oversee it? I truly feel discriminated against, and like this will never be resolved. I have pretty much decided to let it go into foreclosure, i realy have no other options. How can they treat me, and everyone else like we just don't matter?

Do you think when I am homeless they will be happy? That should happen right around Christmas since I just managed to make the Oct payment and see no relief for the Nov. one. I have even talked with a HUD approved counselor, and I am still getting run around so bad that I am dizzy. I have jumped through hoops for them for the last 4 months. I can already see that they are going to deny it, why continue to make me chase my tail?

I received a letter stating i needed to pay $625.56 this is after the approval of the modification loan.On 11/16/2009 I received a letter stating they will foreclosed in 90 days. I will loss my home, I have provided all documention, I get run around when call

AHMSI took my property from me. I had a flood in my home in Jan 21st of 2009 from frozen-broken pipes. Nationwide, (another set of losers) took four months to pay my $50K claim. Once the check was received it was made out to me and AHMSI (Option One),after I sent the check to them, they refused to send me the money to fix my home so that me and my 1 year old could move back into our house. They said I was two months behind in the mortgage when they received the money and they weren't (yes the nasty Indian Customer Service people) releasing my funds until I brought my balance current. I explained that house was gutted from the water damage and we had to move into an apartment and couldn't pay the rent on the apartment (which was higher than the mortgage) and the mortgage on the house.

I even contacted the State of Connecticut Banking commission to force them to release my insurance money so I could fix my house and move back in. They didn't, however, the nasty Indians were calling day and night harassing me to pay them what I owed on the mortgage, yes while they had $50K of my insurance money in their account.

I finally went bankrupt in August to stop the harassment from them, on November 12, they won a petition in the court to overturn the Chapter 7 and now they are back harassing me for $15000 of back due mortgage while they continue to hold my insurance money hostage. Meanwhile, with all of this waiting and my house being vacant for months and months, the house was severely vandalized and now the damage greatly exceeds the $50K water damages.

I owned this 4BR home for over 9 years, NEVER HAD AN INSURNACE CLAIM, took very good care of the property, now my belongings are sitting in a POD and my baby and I are living in a 1BR apartment. This has been the most disgusting experience in my life, and everyone seems to be shocked that this time of unethical conduct can happen to honest people in this country.

I will not rest until I make AHMSI responsible and they pay me for taking my home from me and my daughter. I wasn't trying to renegotiate a bad loan,I was fully able to pay the mortgage, I just needed MY insurance money so I could fix the place and move back in. (I paid $1685 cash for the insurance policy - not them). I will not rest until I receive payment for this hardship that they caused me and my daughter.

I purchased my home in July 2007 using American Home Mortgage. My loan documents indicate I have a FHA loan, this is what I signed up for. In May 2009, I decided to streamline my loan for a better interest rate. The lender who was working with me informed me that my loan is not a FHA loan and he couldn't process the refinance until I resolved the issue with AHMSI. AHMSI insisted the loan was FHA. After several calls to HUD/FHA, their investigation concluded that it was never a FHA loan. AHMSI never followed up on the appraisal request.

My loan documents indicate otherwise. I paid a total of $5880 in FHA PMI payments, and it never was FHA financed. After bringing this to AHMSIs attention, they closed the application file with HUD/FHA. After several more calls they refunded me $3855, this was the amount paid at the time of the home purchase. They refuse to refund me the remaining amount of $2025 that I paid monthly since the beginning of the loan for FHA PMI insurance.

After several more calls, I got AHMSI to admit the loan was not FHA but was conventional, they stated there was a mistake with the original loan process. I requested a copy of the corrected loan documents but they have yet to send anything. It was suggested that I modify the loan and new docs would be processed. On Oct.26,09 I was informed that the modification was denied. When I asked about getting new loan docs, I was told that the loan still shows as FHA and that I would have to proove otherwise.

This prompted me to seek a lawyer's advice. The lawyer suggested I file complaints to BBB, Dept of Real Estate, and RESPA, and any other respectable agency that I could think of. The lawyer also stated that this case was too complicated for their firm to handle. I will continue to try to work with AHMSI until this can be resolved. I am unable to refinance with any other company because of the fraudulent documentation I hold with AHMSI. AHMSI has been very difficult and non compliant with my request and needs. I can't even get them to send me a monthly statement, haven't received one in over a year. I also can't access my account online, so the only way to make a payment is by phone, with a $12 charge each time.

Each time I call customer service, I have to explain the whole situation over and over again because they have no record of my past calls and what has been done about the calls. I have to force the reps to allow me to talk to a supervisor. When I get a supervisor and request a name or extension so I don't have to explain the situation again when I call back, I'm told they only give out first names and they don't have extension numbers. I've requested corporate phone numbers and I'm denied every time. I just want out of this company's claws. I feel violated and vulnerable and don't know where to turn. I feel my home is in jeopardy and AHMSI is out to get me!

I have had nothing but problems with this company. Please contact your State Senators and State Banking Commission regarding problems with this company

I applied for a loan modification with AHMSI that was approved in March 2009. Because I owed back taxes and dut to the transaction my balance was increased to 30,000 extra. This time the interest rate was changed to 6 % and monthly payments of $1960 which included escrow taxes for $453.31. When Iwas due for my first payment for the loan modification I was told I had to pay $2288.14 because there was an escrow shortage. It took me two months with daily calls to clarify the amount I agreed on $1960.

It was fine for a couple of months until last month 10/09 when I was informed that the amount due was again $2288 because a shortage in the escrow amount as they recently paid my taxes. They wouldn't accept the regular payment and if I couldn't afford the extra amount I would have to request breaking the payments in 36 months payments. That request will have to made in writting by fax. To get the fax 72 hrs. To review the request 30 days, a late fee of $ 150 and a covienient fee of 16.95. I paid the extra amount as I was told it was a one time payment.

I requested a clarification of the shortage in escrow. They sent me a copy of the loan modification where it says that the escrow amount can be change at their convinience. This month I received the monthly statement where it was indicated that the monthly payment due is $ 2288.14 due to a shortage in the escrow acoount. AGAIN? I requested again an explaination of the so call shortage amount in writing this time. For this I have to request for theis information to be sent in writing which we know it will take 7 to 10 days to be clarifeid by the resolution team in India. Today is 10/27/09 my mortgage is due 11/15/09. I predict they won't clarify in time. I would have to pay late fee and convient fee over an amount that is not real. This time I spoke with Kathyrin.