• Report: #693078

Complaint Review: AHMSI

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  • Submitted: Wed, February 09, 2011
  • Updated: Wed, February 09, 2011

  • Reported By: AMShaw — Indianapolis Indiana United States of America
AHMSI
1525 S. Beltline Rd Coppell, Texas United States of America

AHMSI American Home Mortgage Servicing TERRIBLE SERVICE - withdrew from my account Coppell, Texas

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I did not realize others felt my pain.  I have been angered by the slow response, slow mailings, and confusing statements.  When the government was first offering refinance programs I called them and was told that they did not have this program and I could not refinance through them.  Months later I saw on their website an option for restructured loans. I was told that we had be to months behind on payments to qualify. 

Today is a new low..  I had received a call from one of their agents on a Saturday stating that he was calling to collect my payment for the month.  I had already made this payment so I was confused.  Thought they again were slow at applying my payments to my account.    He then stated I had accumulated late fees that I needed to pay.  Well, not that I did not dispute I may have late fees, I had emailed them using their websites "Secure Messaging" to outline my payments and was questioning the fees on my statement.  They did not respond to this for 3 WEEKS..  actually the evening before his phone call to me.  I went forth and agreed to make the payment.  It was the end of the month, so I offered to pay the next month's payment along with it since the due date was 1 business day away.  He was happy to do that, and offered to waive or reduce the transaction fee to process over the phone.    Then , he comes back to "recommend" that I only make the late fee payment since my monthly payment was not due yet and he would run the transaction for the monthly payment for me on the first.  I disagreed with that and restated I wanted to make a full payment altogether.  After long debate, I gave up, I was just goin to pay the late fees.  Then he decided the transaction fee was going to be $15  so I again went back to wanting to pay them together.  So, that is what he eventually did ...  HOWEVER, after a week thinking all was well I found out that they withdrew and additional $700 from my account.  This put my account overdrawn.  Since I was unaware of this, transactions and fees continued till I discovered this - again 1 week later.  My account is now over $1,000 over drawn.  

In calling them back regards to this, they agree the amount transacted on my account was for too much money and they cannot determine how this happened.   I have to pull all my bank records together and submit to them.  It will take them 24-48 hours to even review the information - let alone figure out how they are going to resolve.  I am told this will take a minimum of 30 days before I see any money back.  At this point I have added up the fees and the additional money that they owe me over $1200..  not to mention my time and inconveniece of having NO money.. 

I want out of this servicing company immediately.  I did not choose them, I chose a loan program and company I trusted.  I do not trust this company.  I also had a loan program that allowed me to pay on my montly payment twice a month.  This program resulted in one additional payment made to principal a year and worked great..   They do not offer this program and had to change from a biweekly auto withdraw to paying them manually.   They did offer a monthly auto withdraw, but it did not benefit me to do so..  and I am SOOO glad I do no do that now..  who know what they would withdraw from my account. 

This report was posted on Ripoff Report on 02/09/2011 01:12 PM and is a permanent record located here: http://www.ripoffreport.com/r/AHMSI/Coppell-Texas-75019/AHMSI-American-Home-Mortgage-Servicing-TERRIBLE-SERVICE-withdrew-from-my-account-Coppell-693078. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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