AHMSI reviews and complaints

This company has a pattern of predatory lending and bad debt collection practices. Written complaints need to go directly to the company: Ask for a qualified written request" per RESPA regulations. Also, document, document, document. I recommend google voice as that service automatically gives you a written copy of all the voice messages that they leave. Get a smart phone, so if you do talk to them, you can record the phone call, but just make sure you tell them you are recording the call. In addition, to your local Atty General's office, please contact the Consumer Financial Protection Bureau and the FTC Federal Trade Commission who can deal with the debt collection practices. Enough is enough! If all 50 states complain to the Dept of Justice, I don't know how much longer they can practice these predatory lending practices.

I had the same problem. I wrote my State Attorney General. I wrote the United States Attorney General. I wrote Washington, D.C. I finally had to file bankruptcy just to stop the foreclosure process in case my HAMP loan did not go thru. If you contact big enough guns they have to listen. Now that the bankruptcy is over, it takes me 4 phone calls each month and a fight with their phone people to get my payment made. Today, their phones are diverted to hang up on your phone calls. I am going to send a letter to every congressman in every state they do business in. They rip you off, screw you over and then take your house. They need to be out of business. Angry in Colorado

Please contact your local state atty general's office as well as the Consumer Financial Protection Agency. Put all of your complaints in writing and send by certified mail to Homeward Residential, but please use spell check!

SECOND POST ON CLASS ACTION FILING

Thank you for your responses.

The complaint is being drafted and the Class Action will soon be under way.

Anyone who has been harmed by this collection agency masquerading as a lender and wants to see justice done is encourage to come forward and present their case.

Gisellemina2@yahoo.com

nothing but a bunch of thieves caught up on payments paied any late fee and these embezzellers say i owe over $500 in late feeswhich is bullcrap lets get the banking commission involved

My mortgage loan was sold from Ameriquest, to Citi and then to AHMSI.. AHMSI hasn't reported any of my payments even though I'm never late and they are putting it in to a suspense acct. Charge me an additional daily interest of $33.22 how is this legal and nobody can do anything about it. My mortgage is not going down, its being added too. This is ridiculious

Our lawyer is in deposition for the next two weeks. The IT person is working with the web designer to allow information from visitors to the site to be added in certain areas. Sorry it is tking longer than expected. We will keep you posted.

Thanks,
Kevin & Tracy

They are trying to do the same to me! I send my payment in plenty of time -- twice they returned my payment to my credit union saying they suddenly can no longer process electronic payments from my bank -- and it just so happens that they started having problems after I asked to modify my loan. Now suddenly I'm a late payer? It's all just so they can collect late fees. Then I started sending paper checks. Half the time they claim they don't get those on time either ... 10 days should be enough time to cash a paper check sent through the post office. They're blaming it on the post office or on me. Then why have I never had these problems with other mortgage loan servicers? I did not choose these people! They took over my loan. They are beyond incompetent. Beyond.

My payment was 584.oo a month then 2600 a mo and now 1200 a month of which maybe 300 goes to the principle the rest to all their "fees" AND they changed my due date which was on Aug 20th to Sept 1st, received letter Aug 25th, and all of a sudden I am past due, I just made my pymt I don't have access to money in ten days I'm on budget! I have already let the Texas Attorney General know about it since I know that is something they can not do. They also call my cell phone and hang up even if I answer and then immediatly call my home phone and do the same and they do this no less than 4 times a day to both.

It is not,
They are just "banking" on people not knowing how to fight back
You can: It is called a Class Action Lawsuit.

I FEEL THE SAME WAY..YOUR NOT ALONE.

What if your in Maryland I am In a battle with this company also!

AHMSI HAS to be stopped. The Ast. Attorney General I spoke to said he cannot help individuals. So if you are from Mn call Scott Ikeda at Att. Gen Office. The more people that call him from mn is the more we have to fight with.

my house is going up for auction on 7/29/2011 because of AHMSI they are the worst people to talk to nobody understands where your coming from there just wrong and they need to be stopped auction is at 2:30 july 29 2011 can you belive them they rather see people with children out on the streets then work with them !

for now they are telling me forclosure is schedule for end of Aug. They have been sending my payment back since last october! I am still sending the amount due per the modification but they keep sending back saying its not enough. I think we will take our chances in front of the judge the day of forclosure...I dont know what else to do.

My email is mnengstroms@q.com. I live in Minnesota. I think at this point I need to sue AHMSI and get out of foreclosure. It's taken years of my life and caused so much stress on my wife and I it has affected our kids. I'm sick of living like this.

Do you have your house still?

to sickofahmsi- We are still battling with this company ! My email is lindab@solidtops.com Any help you could offer would be appreciated!

i agree 100% and more !

I, AM SUING THEM FOR ALL OF THE SAME.GET A LAWYER AND STOP PAYING THEM.IF MORE PEOPLE WOULD DO JUST THAT IT WOULD SLOW THEM DOWN.IT COST ABOUT 30, 000 TO FORCLOUSE.MORE IF YOU FIGHT THEM .SO DONT GIVE UP .STAND AND FIGHT, SUE USE YOUR MONEY TO FIGHT THEM .DON, T GIVE THEM YOUR MONEY .YOU ARE GOING TO NEED IT TO FIGHT THEM WITH.MAKE THEM SHOW THE NOTE.NO NOTE NO PAY.HOME YOURS FREE AND CLEAR. SUE

I'm not going to tell you what I "WOULD" do. I'm going to tell you what I "DID". First, filed a formal complaint with the Atty General here in Tx.

Next, contacted FOX4 News in Dallas and speak to Donna or Becky. Tell them what's going on.

Filed a complaint with Tx Dept. of Insurance.

Filed a formal complaint with the Dallas area BBB.

These stories sounded like my own. I have managed to change the momentum of their own game. Get with me kcchris9999@att.net or [protected] and I'll explain. Your problem probably isn't as bad as you think and you may be able to start sleeping again this week.

Homeowner in Port Arthur, Tx

AHMSI directs a company called DOCX/LPS to initiate foreclosures. LPS has an office in Alpharetta georgia where Assignments of Mortgage and Releases of Mortgage are "created" . The kids there sign on behalf of many companies [see Judge Schack's ruling in New York ]. More improbable is that the signatures of the same signers often vary dramatically from one day to the next--but are always notarized. This implies that at least some of the assignments are no more legal than toilet paper that was scribbled on by kindergarden kids. However, these documents are sent across the country to "partnering" law firm-collection agencies where more kids with law degrees churn out one page foreclosure complaints. Attached is a "copy" of homeowner promissory note, a copy of the mortgage on file in the county, along with the "created" assignment of mortgage to a trust or other entity that you never heard of that now purports to own your note and mortgage --based on the kids' "created" toilet paper document. The documents usually have the following statement "Prepared by Ron Meharg" who was DOCX Cheif Compliance Officer. This creates the appearance that the document was prepared by an atty and under his supervision--guess again!
This document goes to the local state partnering collection agency-law firm that also sends collection warnings, and is attached to the complaint as the only evidence of connection between the foreign trust and you the homeowner. The collection agency files a copy of the toilet paper with the local couny title office where it gets stamped "recorded". This file stamped toilet paper is then attached to the complaint. The complaint is again file stamped by the local court and "served" on the unsuspecting homeowner. Unless the homeowner pays an atty to unravel this --and they know about the LPS document "creation" aspect, the court will rule that the toilet paper is a valid basis for throwing the homeowner in the street and getting a deficiency judgment. In one case in Ohio involving other collectors a person was defending a foreclosure because no original note was offered up. DURING THE PROCEEDINGS A SECOND PURPORTED NOTEHOLDER also filed a demand for payment. If these guys are going to create critical documents that are really toilet paper, then it is absolutely incumbent on defendants to demand their right to see the blue ink original note, or be subject to multiple claims. Also many of the notes were allegedly procured by predatory means--illusory teaser rates, strange appraisals, failed disclosures at closing etc etc. Now if the lender or an accomplice continues to hold the note then they are pretty much like Jesse James pointing a gun at you and demanding you sign a check in favor of Jesse. Jesse then turns it over to Frank who held the reins during the holdup, and then Frank demands later that you ay on the check--no, not a holder in due course. The note they obtained from you was basically the fruit of the crime. Its a lot easier to get around ths problem if they wave a magic wand over the pile of paper and assert someone else is the noteholder--but if it is an accomplice after the fact ---its still Frank demanding payment. See Ohio AG case against AHMSI filed a week ago.

SINCE CHASE SOLD MY MORTAGE TO AHMSI THIS COMPANY JUST WORK FOR tWO (2) THINGS : MONEY OR FORECLOSURE, AND THATS WHAT THEY DID, THEY "DO NO HAVE OBAMA'S PROGRAMS" SO IF U ARE BEHIND IN YOUR PAYMENTS, AMERICAN HOME MORTAGE SERVICING INC, START WORKING IN YOUR FORECLOSURE, AND NOTHING STOPET UNTIL YOU ARE OUT THE HOUSE, ANYTHING ELSE IS A LIE, IN RECORD TIME I WAS OUT MY HOUSE !

If any of you are in Texas, particularly Houston metro or Dallas metro area contact me kcchris9999@att.net

Hello. I've been going through the short sale process with AHMSi since March this year. Have any of you filed a complaint with any govt entity? If so, could you please advise. This has been dragging on and I've been given the run around for too long. Lost 2 buyers already and they are threatening foreclosure.
Thanks. Suzanne.

I am also ready to join the suit..I will be emailing my information. My story is similar. I originally applied in July after i became unemployed and then was told i had to wait til November to apply which i did. By that time i think i had become 2 months behind. I also had to resend faxes several times throughout the process because they claimed to have never gotten them and had to refill out paperwork in April because they said the form had changed because it had been so long. I finally got a trial payment plan in Feb for March April and Mays payments. I made all my trial payments ontime and received a loan mod agreement. I signed it and sent it back and finally felt relieved. I continued my payments ontime. Two payments later i was able to pay online again as i had before. My account showed all the information as was stated in the agreement. In August I received a statement that has some odd charges to my account on it. I called to inquire what it was for. The customer service rep. put me on hold to find out. I have always asked for the home retention department or someone working on my load each time i call and am told they dont have that information and i have to speak with them. the last rep i spoke to also refused to let me speak to a supervisor saying i has spoke to one before and it wont change anything and they cant tell me anything different. So anyways, she comes back and says "do you know the status of your loan?" to her i reply that i finished my trial payments signed the modification paperwork back in April and made the final payment in May and have continued to pay. "What do you mean?" i said. She said your loan is on hold for a calculation error on our end that someone flagged in July. She said my last two payments were in an account and not yet applied to my loan while they fix the problem. I didnt understand but she couldnt or wouldnt explain further. Just told me to keep calling every couple weeks to see if it was corrected. I called two weeks later and every week after that to be told the same ol story. Now its October and ive yet to see it corrected. Meanwhile they just keep collecting my payment and i get told im more and more behind when i call before i can explain to them that im going through a modification and there was some kind of error. then they read their notes or whatever and tell me nothing has changed yet, keep checking back. uggghhh

Thanks,
Alisha
Angry in Michigan
alisha26_1999@yahoo.com

This is one of the worst lender/servicing company a home owner could possibly have. Customer service is located outsdie the US. They are people who could careless about you. I end up writting a 6 page letter of complaint and send 5 different copies to different people, one being the CEO of the company. I was ready to do a short sale on the house, which I am 120k upside down. They did a modification, and lowered my interest rate, but all it does is band aid my current status. I beg them to re-structure my loan and reduce my principal balance. None of that was even mentioned. What did they did is placed all my interest and late fees in the back of my contract, which kept my principal balance higher that what it is. So the "making your home affordable" program is a lie. All this company cares about is their selves, not the american home owners. I am still fighting and begging them to reduce my principal balance according to the current market value. But now one wants to touch that. These people are preditorial lenders, don't let them fool you!

Fighting For What's Right in AZ

write the wrights at (a241atthewrights@yahoo.com

This is a horrible company. My foreclosure date is getting close now. For 10 months, I have been in constant contact with these people to do a home modification under the Making Home Affordable program. During these 10 months, I have sent to them, over and over, one document after another document, because every time I call them to check on the status of my modification they claim they never received "a particular" document. I have sent the same documents a number of times, certified, over night - it doesn't matter. They repeatedly ask for 'yet another document' and, in some cases, I have sent that exact same document no less than 11 times. I, finally, wised up, however, when I received the foreclosure notice. I now see that they have no intention of doing a modification. The loan documentation provides that they do not have to go to court prior to foreclosure, so they have been just biding their time, stringing me along, until the home is sold at auction on the upcoming auction date. All I wanted to do was a modification to get me back on track, after losing my job. I am so afraid of getting ripped off again, I don't even know where to go, or who I can trust, to help me.

Linda, in Peoria, AZ

Our lawyer is in deposition for the next two weeks. The IT person is working with the web designer to allow information from visitors to the site to be added in certain areas. Sorry it is tking longer than expected. We will keep you posted.

Thanks,
Kevin & Tracy

Get ahold of us at a241atthewrights@yahoo.com

. Written by Lori, on [protected]:06

I had a good loan 30% down payment when I bought my house. After the last few years, my home value dropped by 70%. Now I am underwater on my loan.

I got cancer, during this ordeal (in my 30s, now in my early 40s and cancer free but now payment free for medical bills) I have payment plans everywhere.

Then one of my son's got sick and needed surgery. At least Hospitals will put you on an interest free payment plan when you work with them.

Then the other son got sick with hospitalization and medical expenses.

My husband lost his job. Of course I have not got any raises during the last few years, you know economy is why they can't do it. I work two jobs, every single day of the week. Both jobs are closed on Easter and Christmas...I have two Days off a year! Yippee!

To make a long story short Citibank was who had my loan, when they started having trouble they bundled up good loans (mine) with bad loans and sold them to AHMSI. That's really when my nightmares began.

You can't pay them electronically, like from JPMorgan Chase online bill pay, or any other large financial instituion. But you can have them suck the money directly out of your account for a nice big fee, or call in a payment for an even bigger fee. Needless to say I write them a check and mail it.

Yes, and to call them, or rather call India, which is another nightmare, with all the canned or scripted responses.

What a nightmare this has been,

Since I can't refinance my home with all these really low interest rates because now I have no equity! Yep I had and scrimped and saved and worked two jobs to put the original 30% down.

Homes investment? Ancient History.

I have been trying to get a loan modification for 10 months. I have called, and called and the same answers, oh you made a mark on this form that looks like a scratch out...and all this agonizing silly *&^% So I re fax and re fax this and that and then, I find out the company handling my loan modification went out of business and they have to start all over!

Yep gather up all the paystubs, all the tax forms, sign this, sign that etc and etc.

Now they say I finally have all the forms they need AGAIN!

I am getting so close to a year on this nightmare.

How much longer? What nightmare with AHMSI is yet to come?

Seriously if my property value did not drop so much I would try to get out from under this nightmare of an orginazation called AHMSI. But I am stuck due to my home is dropping in value almost by the day.

Yep, I did not have a bad loan. I had 30% down. I did not need mortgage insurance, I did not go FHA, I have a fixed rate 30 year. And I had the loan 8 years. But now, no fault of my own I am struggling beyond belief to make payments.

Since I have the pleasure of working every day of the week, I don't have to worry about having days off. Oh...I get two a Year!

Being a home owner is now a special nightmare. I found out home values in my area have dropped another 6% but property taxes are going up 11%!

Makes jumping off a roof really high up seem really good about now!

This is a sad state off affairs in our country. These practice are condoned by the people that we elect to make our laws, in the name of 'freedom'. Sure freedom is a great thing, but all do not perceive those freedoms in the same manner as they were intended, I believe those that perceived this concept came from a different time with different values, where the general assumption was that the bulk of people were inherently honest, and would, given the chance live up to their obligations, I still believe this is basically true, but our system does not apply those same ethics to entities as they do average people, a corporation is free to conduct business within the law, and leverage that law to the final degree, and if questioned, they have the resources to legally defend their position in terms of monetary resources and lawyers to plead their case, the common man more than likely does not have access to these resources and is beyond their abilities to even attempt to contest and hold to task, hence the corporations have the most leverage over society in general, the common person does not have this ability, so is at a disadvantage, and their position is not considered.

Fact is, with great freedom, comes great responsibility, which is much more encompassing than a CEO's bonus or milking the last dollar from a transaction. Corporations are not bound by this, all they have to do is 'legally' stay within the law and it's interpretation, which oversimplifies, IMO, the overall view of commerce. Just because one has their finger on the trigger, does not mean they have to pull it at every turn. These people do.

You particular complaint, is in general, very personal to you as it is with all of us, at our own individual level. Our current status in regards to the financial bailout, of 2010, is a direct result of these companies leveraging the letter of the law to the final degree, and legally getting away with it, at all of our expense, yet they still continue to do business in a free for all environment, and you and I will continue to bail them out without change. This is too bad, if you follow the money trail of these servicing giants you will find that the mortgage companies on the other side of them, are some of the ones you and I bailed out. From the mortgaging companies perspective, as long as the servicer is providing the results they desire, they will continue to use them as a servicer, which, to me, implies also that they condone the servicer's actions in regards to keeping their mortgage securities in good shape. It is a big pie... you and I will get the crumbs on the floor if we are lucky.

I have never in my entire life dealt with such a horrible company. Someone should take them to court and sue the life out of them. I fell behind and immediately tried to contact them on how to resolve the situation. Would sit on the phone for hours and hours and each time someone would pick up the phone it was a different person and you would have to explain all over again. I'm at my wits end. We ended up getting a loan mod but with ridiculous terms. I asked for paperwork to be sent to me before I sent in a check for $12, 000 and they said they don't do that until they receive my $! Are you kidding me? I spoke with some guy in India and could not understand him whatsoever! Who is regulating these people? I'm ready to walk off and they can have my home which is not worth what I owe and shove it! Don't ever do business with these people, they are scam artists and sharks! Stay out of the water!

Hello,

This is a horrible company. They tell you to send a certain amount for escrow that is due and you send it and they will not credit your monthly payment beacause they say that you are still short.

No one there understands anything and when you get a supervisor he does not understand anthing. They talk to you like you are stupid when you know they are stealing your money.

Can anything be done about this company? I am so feed up with them I send my mortgage on time every month and because they can not figure out the mess they made for themselves they want to say that I am late and charge me a late fee when my money is sitting not beginging credit to my account because of a mistake they have made. This is one company that really need to go out of business.

Rosemarie Carreras
redlady1114@verizon.net

I am also ready to join the suit..I will be emailing my information. My story is similar. I originally applied in July after i became unemployed and then was told i had to wait til November to apply which i did. By that time i think i had become 2 months behind. I also had to resend faxes several times throughout the process because they claimed to have never gotten them and had to refill out paperwork in April because they said the form had changed because it had been so long. I finally got a trial payment plan in Feb for March April and Mays payments. I made all my trial payments ontime and received a loan mod agreement. I signed it and sent it back and finally felt relieved. I continued my payments ontime. Two payments later i was able to pay online again as i had before. My account showed all the information as was stated in the agreement. In August I received a statement that has some odd charges to my account on it. I called to inquire what it was for. The customer service rep. put me on hold to find out. I have always asked for the home retention department or someone working on my load each time i call and am told they dont have that information and i have to speak with them. the last rep i spoke to also refused to let me speak to a supervisor saying i has spoke to one before and it wont change anything and they cant tell me anything different. So anyways, she comes back and says "do you know the status of your loan?" to her i reply that i finished my trial payments signed the modification paperwork back in April and made the final payment in May and have continued to pay. "What do you mean?" i said. She said your loan is on hold for a calculation error on our end that someone flagged in July. She said my last two payments were in an account and not yet applied to my loan while they fix the problem. I didnt understand but she couldnt or wouldnt explain further. Just told me to keep calling every couple weeks to see if it was corrected. I called two weeks later and every week after that to be told the same ol story. Now its October and ive yet to see it corrected. Meanwhile they just keep collecting my payment and i get told im more and more behind when i call before i can explain to them that im going through a modification and there was some kind of error. then they read their notes or whatever and tell me nothing has changed yet, keep checking back. uggghhh

Thanks,
Alisha
Angry in Michigan
alisha26_1999@yahoo.com

Suffice it to say that we have the same EXACT problems. May try to see if attorney general in VT is able to do something. India people may not even know where we are on a map. Frustration plus when you sit in limbo.

I also, have had nothing but trouble with them fighting them for almost 3 yrs over my escrow account they were double charging me on. I have been in my home and never had problems until refinanced with Option One the second time which also was through H & R Block. The story is long, so I will try to be brief. I started the loan modification process almost a year ago. First the Hamp then they denied me for that with bogus excuse after another, just made my first payment on their own modification where the put me up against the wall. They gave me 2 wks to either get it back to them or they would foreclose in 2 wks.
They over charged me thousands and thousands of dollars in bogus fees and charges.
My lawyer said just sign the modification and then you need to go after them once you start paying on the modification.
He nor myself never could get the same person on the line or any straight answers throughout the process. He was always trying to find out about what all the fee's and charges were for. He never could even talk to anyone at their supposed Law firm that was representing them. My lawyer calls them and the law firm just "Forclosure Factories". jguthrie-1@hotmail.com.

I'm ready to join in or start my own lawsuit, so please let me know what's the process or what has been done thus far. Contact me via my e-mail

Thanks,
Janice
Angry in Austin Tx

GOOD EVENING TO ALL,

MY COMPLAINT WITH AHMSI IS THE LACK OF ADEQUATE ASSISTANCE THAT THEY OFFER TO YOU AS THE HOME OWNER.

AMHSI BOUGHT MY LOAN FROM CHASE FINANCIAL IN 2008.

MY FINACIAL SITUATION CHANGED TOWARDS THE END OF 2008 AND IN MARCH 2009, WHEN MY MORTGAGE WAS 1 MONTH BEHIND, I CONTACTED AHMSI IN SEARCH OF SOME ASSISTANCE IN THE AREA OF MODIFIYING MY LOAN.

I WAS ASSIGNED A NEGOTIATOR (CJ LANG) IN MAY 2009, LAST CONVERSATION WITH THE NEGOTIATOR WAS IN JUNE 2009.

CALLED AGAIN IN SEPT 2009, TO FIND OUT THE STATUS OF THE MODIFICATION, ALL THE WHILE STRUGGLING TO MAKE THE MORTGAGE PAYMENT (NOW 2 MONTHS BEHIND) RECEIVED NO RESPONSE, BY PHONE OR LETTER.

CALLED AGAIN IN OCT 2009, LEFT MESSAGE, NO RESPONSE BY PHONE OR LETTER, SO I SEND A PAYMENT (1 MONTH AND A HALF WORTH)

ALL OF A SUDDEN IN DEC 2009 I CALL AND THEY INFORM ME THAT MY HOME IS IN FORECLOSURE, (WHAT THE HELL?)

I ASKED WHAT HAPPEN TO THE MODIFICATION PROCESS, AND THEY SAID IT WAS CANCELLED IN OCT 2009(WHAT THE HELL?) NO LETTER OR RETURNED CALLS WHERE MADE TO ME, AND SINCE DEC 2009 I HAVE BEEN FIGHTING TO KEEP MY HOME, FAXING INFORMATION ONCE A WEEK, CALLING TWICE A WEEK, SPEAKING TO DIFFERENT RUDE CUSTOMER SERVICE REPS WHO DONT SEEM TO CARE OR GIVE A DAMN, THEY DONT COMMUNICATE WITH EACH OTHER, OR MAY BE THEY DO, THEY ARE ALL IN IT TOGETHER TO HUMILIATE YOU AND TRY TO MAKE YOU BELEIVE THEY ARE THERE TO HELP YOU.

IF THE RECESSION HAD NOT AFFECTED MY EMPLOYMENT, I WOULD HAVE LOVE TO HAVE TOLD AHMSI TO KISS MY A#s AND WENT TO REFINANCE WITH A BANK, AT LEAST I CAN SEE THOSE ### FACE TO FACE.

THIS COMPANY SUCKS

I agree this company AHMSI is impossible to deal with, not only are you connected to India, but if you are able to talk to a US person, you can never get the same rep. and they have to look at your file and each one tells a different story...We was accepted into a Loan Mod. Trial period in September 2009, after making all our payments on time we are now into April 2010, I have never been notified if the modifcation has gone through, in January the rep that answered the phone said that I was to be notified in writting why I wasn't qualified if it was to be turned down, at that time they told me to call HUD, which tried to help me, but still no concrete answer...now I am getting certified letters that they may start forclosure procedings. I am at my wits end, if a class action suite is in the works I want to join...my lawyer has also tried to get answers and she can't get through either. Something is so wrong here, how many of us have to complain, before somebody listens...
Juel Endres
Seattle, WA

I want in. We are getting nothing but double talk from them. I also have a long story which I will share if there is a lawsuit commencing. As it is now they may be throwing a family of 14 out on the streets. My email is dmay8937@comcast.net. My phone number is [protected]. I live in Michigan. I have kept a diary of all my dealing with them along with every phone call. I have been calling them once a week for about 2 months now, but since we are running out of time I have been calling even more. They told me yesterday that I am not allowed to call more than once a week, they are busy, and have other customers. Just let me know what I can do. Thanks
Diana

This company needs to be closed down and the owners need to get responsible! I have been making all my payments to date however harrassed by these idiots as if I haven't and threatened forclosure with endless calls as if I was being sought out by a debt collector. I inherited this company due to my last lender getting taken down by the FBI. NOW, to make matters worse, AHMSI is telling me the old company was audited and they found I didn't make a payment, so AHMSI to date has not shown me any proof, dispite my faxed request and yet still sending me letters of demand. The plot continues to thicken and absolutely no-one @ AHMSI cares because they are getting away with it!

I have been waiting to apply for the modification since its inception however my last lender was fradulent and since I inherited AHMSI, it's been a freekin nightmare and I still cannot apply because of the obvious ~ they preform like a bunch of uneducated, unprofessional slime. How does the owner and all the employees live with themselves?

My name is debra robinson my # is [protected] i'm in washington state ahmsi has maid my life a nightmaremy payments have went from 721 to 2800 they have put ins on my housouse when i already had ins they payed my taxes then charched all of this to my ecrow and raised my payments to 2861.61 month i morgaged another piece of property to pay them 10, 000.00 along with my monthly payments on a promise the would lower my payments now the took the $$$and say i owe then another 6, .000 i want a law suit too debra robinson mkndb@rcabletv.com

Wow, Class! Nice Mouth, Unprofessional! Bottem line, AHSI manipulated me into the so called RELIEF PROGRAM! I was Pro Active, My business clients sent me bounce checks, total $16, 000, in one month! I was 30 days late! I had a fixed rate! 5%..The so called Relief Program, Is the wrong wording! They told me take 4 months off, go on vacation! To good to be true! The Loan, they hit me with 28, 000 in fines, and put me in an ajustable rate, every year goes up 2 points, then slapped a $500, 000 ballon note! Are you serious! I was smart I kept all the e-mails between me and the modification dept! They are scams, theifs and liars! I will fight them, trust me!

They are not inept, they are brilliant.

All these things are well planned and rehearsed to place you in default and then ... they grab your home.

I agree 100% that AHMSI is the worst "so-called" mortgage servicing company. My husband and I have been trying for a loan modification since August, 2009. We begged them to please give us some time to pay our mortgage at first since my husband lost his job. Just to add six months to the end of the mortgage. They said that we were not delinquent so they could do nothing. Then we became delinquent. The harassing phone calls began.That is when we started the loan modification nightmare. We have sent, faxed and brought in person all of the documents that they have requested 3 times. We went to a special loan modification event that was sponsored by Making Home Affordable.Gov which AHMSI told us to go to on January 29, 2010. We met with a representative from AHMSI and handed her all the paperwork for the 3rd time. She said we would have no problem and to call in a couple of days and we would know something. We have called several times and each time they say they do not have the documents even though we physically handed them to someone. Every time we call the first thing someone asks is can we make a payment today and that foreclosure proceedings have begun. It's like a broken record. They know nothing about the loan modification. Now, we just got a letter again stating that we are not approved for the loan modification because they did not receive all required verification documentation by the noticed due date. They are a horrible company and should be shut down. We are desperately seeking help and they just ignore our pleas. There has to be something that can be done. Someone higher up to talk to. I don't want to lose my home.

I need to keep my house what happened to my payments. i am afraid to send more money and already have a foreclousure. i need help plz. my email is miguelaqc@yahoo.com

best place go to ChallengingForclosure.com this guy knows his stuff

to the adrees that they gave me by phone and i used money gram i call money gram and they send me the copy and shows that they cash it. i fax the copy to morgage co. and since then nothing. but they continue call that i am late on payments, whitch i am, i have money to send at least have but iam afrait that will hapen again.

I am going through similar problems (theft by escrow) with them here in Texas. I've retained an attorney. If interested, my e-mail is kcchris9999@att.net.

ghost

I am so sorry to hear what happened to you thats why I'm on here trying to make a difference and maybe help more people save there houses. I recently did a loan Modification with the Al Verdi Law Group. They walked me through every step of the process from start to finish, I was very fortunate to find such a wonderful company to work with. If I may recommend any company to do your loan modification I would give them a call, they did my entire loan modification in exactly 47 days and anytime I had a question they were very responsive in getting right back to me. Its unfortunate there are so many bad company's out there, If anyone comes across any other bad companies please post because no one deserves to get there house taken from them. You can contact them at [protected] The gentlemen I worked with name was Cale Swanson.

Thanks again Al Verdi Law Grou

They said I could get cash for keys but the Realator said he made several emails to AHMSI but they went unreturned...in the end I got no cash for keys threw out on my keester with 3 kids and found a paper that if I come back I will be thrown in Jail?JAIL Dirty screwball tatics AHSMI..I qualified for a refinance! I hired an Attorney! Your miss deads will be un-done. We spent 15 years in that house and wanted to stay you thought otherwise!

If any of you are in Texas, particularly Houston metro or Dallas metro area contact me kcchris9999@att.net

My case is exactly like Susan's. Virtually every fact she cites could have been written by me. The only difference is that AHMSI actually reported me to Equifax, Transunion and Experian citing overdue balances on the involuntary escrow accounts they opened on my two loans and the "lender-placed-insurance" they installed despite my having had valid property insurance covering the loans at all times. I owed no money, was constantly calling and writing the company in an effort to get them to understand the facts and straighten out the accounts, continued to pay my principal and interest payments on time (but not the phony escrow charges), and between my insurance agent and me sent written proof of my valid insurance in the form of policy declarations nine separate times.

I have spent hours trying to unscramble this mess, and really feel abused emotionally (probably because I have always had an excellent FICO score, and now have one 140 points below where it used to be). Obviously the Ohio and Texas attorney generals have sued AHMSI and hopefully will either shut them down in those states or put them in receivership. But that isn't going to compensate any of AHMSI's victims for the emotional distress they have endured through the outrageous practices of this so-called mortgage "servicing" company.

Does anyone out there know how many class action lawsuits have been filed, in what states and for what unlawful behavior? I know there are many, many people who have complaints against AHMSI for the abusive handling of their loan modifications, and I am not interested in joining that class. I would like to join a class of plaintiffs who have pristine credit, have never missed a payment, have had fraudulent charges applied and have been falsely reported to credit agencies.

Susan, KJolly, I'm going through the exact same situation except it's for property taxes. I've documented all of my conversations with each "supervisor". They are really running a scam or they're seriously incompetent (maybe both). I think we would have a strong legal case.

Hi Susan, My husband and my situation is EXACTLY the same as you noted above. We are about to take legal action on them. Have you done this as well? What they are doing is completely unethical.

THEY TOOK MORE THAN THEY WERE OWED!
I paid them a month ago and they say I still owe 15000.00
I was fortunate enough to sell my house inn 3 days - before it went into foreclosure. They stated that if I called on the fourth of May they wouldn't put it in foreclosure well guess what the closing company called on the 4th and faxed the info they foreclosed on the 5th making me pay an additional 3000.00 Not to mention the fact attorney fees of 1950.00 - That wasn't the end of my nightmare! They also took advanced escrow out of my payoff for insurance and taxes well I paid those in Mar of 09 when I told them I had proof they said that I can't get back what they paid out - Whats sad is I paid it twice in Mar 09 and May 09 and thats my fault! Here are 2 letters I sent to them!

LOAN NUMBER: [protected]
Andrea Hawthorne/Andrea Kent
1813 MEYERS PL
OKLAHOMA CITY, OK 73111

To Whom it may concern:
Enclosed is a copy of my payments. When I spoke to the customer service rep they stated that I had not paid after the month of April 2008. Here is a confirmation report from the United States Bankruptcy Court showing all of my payments. Please adjust and refund the difference.
Pages 4 and 5 reflect these amounts…

Also, enclosed is a copy of a letter I sent to the Federal Reserve consumer help line in reference to all of my issues with your company. How can you charge me nearly 3000.00 for my home going into foreclosure for one day?

Please correct any and all mistakes in my file
A COPY OF THIS LETTER AND ANY AND ALL CORRESPONDENCE IS GOING TO THE FEDERAL RESERVE CONSUMER HELP AND COMPLAINT DEPARTMENT.

Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
American Home Mortgage Servicing Inc
Customer Care Department
PO Box 631730
Irving, TX 75063

Re: [protected]

This is a formal complaint:
After looking at the evidence you will completely see that there is a refund due of approximately 15, 000.00!
If you look at the annual escrow account dated June 16th, 09 DATED after I closed and paid off the loan! There was 6, 940.56 taken during closing please look closely at the ANNUAL ESCROW ACCONT DISCLOSURE STATEMENT! Why would you guys take 6940.56 for ADVANCED ESCROW if I sold the house! Please see the payoff stmt! Escrow Advance of 6875.54
Let me now discuss Interest of 7394.10. the customer service agent stated that my last payment was April of 08 - Oh really! Please see the statements from the UNITED STATES BANKRUPTCY COURTS – They have cancelled checks from you guys for the rest of the months HOW DO YOU EXPLAIN THAT! How do you explain the fact that you guys charged for future payments up to 05/13/09 please see the payoff stmt!
Again when the closing company called on the 4th for the payoff it was 45506.07! It went up on the 5th when they called again to 61470.86 saying oops I went into foreclosure that morning but they stated that if the closer faxed the required documents on the 4th then that would have saved me 4000.00 – well lets see she did and so did I and we have a transmission okay stmt saying we did. Please see the original online dispute form with the contact information of First American title contact name and number which is enclosed in this packet I contacted the federal reserve consumer help online on the 30th of May 09 and disputed all of this information with names and numbers. Also you charged me for an atty which is wrong! Again they stated that if we would have called or faxed on the fourth of May I would not have been charged please contact Lori at the title company she has the fax transmission and in your own notes we called on the fourth so why do I have to pay those charges!
Respectfully,

Andrea Kent
1813 Meyers Place
Oklahoma City, OK 73111