• Report: #413829

Complaint Review: American Home Mortgage Services Inc

  • Submitted: Mon, January 19, 2009
  • Updated: Fri, September 04, 2009

  • Reported By:Pensacola Florida
American Home Mortgage Services Inc
4600 Regent Blvd,suite200, Irving, Texas U.S.A.

American Home Mortgage Services Inc Filed Foreclosure, never knew until we called them about another issue. Irving Texas

* : update on our situation

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Back in July 2008 my father in law missed a mortgage payment. He paid the mortgage in August and in September.

He called American Home Mortgage (in late August early Sept) to request some paperwork to do a loan remodification, he was given the run around, after 3 phone calls to them,they sent it.

I filled it all out for him, included everything they asked for except pay stubs since there was none, included a cover letter explaining it. Sent it back to them to never heard one word from them, another issue came up so we called them, in the talk with the csr, we found out that the paperwork was "conveniently thrown away" after being told they never received it. Was told it wasn't completely filled out.

We redid the paperwork, made copies, resubmitted it all to them AGAIN, again never heard from them, called them 2 weeks later to again be told, they never got it, it was thrown away, wasn't completed et etc. We then asked why they never contacted us, was lied to said they called and sent a letter, never happened.

The csr told us basically it was his lack of income that they couldn't do anything, we asked to speak with the home retention team, was told, no, they didn't have one, asked to speak with a manager, again was told no one was available or they didn't have one.

A payment was missed in October due to my father in law spending the whole month in the hospital for congestive heart failure, kidney failure, pneumonia, and other health issues, on his behalf we called American Home Mortgage to talk with them about the missed payment, and about a reverse mortgage, was told " We don't do short sales" an hung up on us. ( After sending the pay off amount)

He was approved for the reverse mortgage but American Home Mortgage wouldn't talk to him about it. He could have been clear and free from this nightmare with this company if they only cooperated and worked with us.

I went to their website and sent them a message, it went unresponded, I call them, start to explain things, they hang up on us. We missed a payment in November due to dealing with my father in law being home but had to be taken care of 24/7, we sent a payment in December 2008, it was returned with a letter stating that they filed for foreclosure on his home.

We never knew they were filing foreclosure until the letter came with the returned check, they don't want to communicate with us, are not willing to work with us, they lie, take his money, don't apply payments, withhold payments to rack up late charges, throw paperwork away, they are a horrible company to deal with, if you ask them where to send something, they can't give a straight address.

If he was to do a reverse mortgage now, it would be $10.000 LESS than what it was 3-4 months ago. We finally got served court papers for the foreclosure after Christmas, hired a lawyer, filed a response and now its a wait an see, and none of this would have happened if they were only willing to work with him.

Instead they are going to throw a 75yr old veteran who has serious life long ongoing health issues out on the street, he never missed a payment until that time in July of 2008, they made his life a living hell, he barely can cover his mortgage an very little money left to pay the rest of his bills, much less buy groceries all because his wife passed away in Dec 2006 and he lost his business.

I am angry an frustrated that they don't care to work with him especially while the economy is in the shape it is, they rather have him out on the streets.

Pensacola, Florida

This report was posted on Ripoff Report on 01/19/2009 01:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Home-Mortgage-Services-Inc/Irving-Texas-75063-1730/American-Home-Mortgage-Services-Inc-Filed-Foreclosure-never-knew-until-we-called-them-abo-413829. 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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Updates & Rebuttals


update on our situation

AUTHOR: Rabsmom05 - (U.S.A.)

Since the last time i made a post on here, we have still been dealing with American Home Mortgage.

The had set a court date for April 1,2009 then it was mysteriously cancelled  and we have not heard anything from them. Our lawyer has attempted to contact their lawyer and to contact American Home Mortgage with no responses. My husband and I managed to get in touch with the Better Business Bureau and American Home Mortgage responded to them, but filled their answers with lies and still refused to cooperate.

We have contacted our local congressman's, reps, etc which we received a call from American Home Mortgage from a woman willing to help but within returning her phone we found out she had no authorization to talk to us since they filed a foreclosure on my father in law, we did find out that there was a PMI ( private mortgage insurance) and they had no problem accepting the reverse mortgage but we clarified to the gentleman that with whom they have listed is inaccurate since the Holder was my late mother in law and the mortgage company is defunct and the mortgage is in default.

We have been on the phone with American Home Mortgage just about daily and playing phone tag with the people who hold the PMI, the last phone call from the PMI he told us that he spoke with AMHSI and basically we need to leave the PMI company alone and only deal with AHMSI which will  not talk to us no matter what and that AHMSI will not accept a "short sale" will not accept a reverse mortgage, and if we try to sell the home they will deny the acceptance of the money. They basically want my father in law's home.

Within the last month we received a letter from the lawyer Wells Fargo & AHMSI are using that we have a new court date set for Oct 12,2009 for 5 mins with the judge and they will talk to the judge on the phone they will NOT be in the courthouse at all... and they are asking for summary judgement to foreclose and want the attorney's fees and court fees for filing against him.

We then received a letter from our lawyer stating he has no further response to give the courts or AHMSI nor does he feel he can "fight" for a 76yr old veteran who is surviving on Social Security and has no where else to go.

We are at a complete loss, we have contacted our local reps, congressman, we have contacted BBB, we have filed a complaint with the Federal Trade Commission, we have even tried local offices here and nothing, no one is willing to help him out, AHMSI literally wants his home that he has had for more than 20 yrs with his wife, he is a widow with serious health issues that keeps him in and out of the hospital. he lives off of social security and he isn't able to work.

We need any help we can get on this matter, even if it is lawyer who is willing to do pro bono work our lawyer has literally washed his hands of us.

I have seen at least 3 pages on here all about AHMSI but no actual solutions and the government keeps giving these companies and Wells Fargo money while forcing pple out on the street.

This is unamerican and rape of the basic american human being.



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