Complaint / review text:
I prepaid my mortgage for 2 months to Amerisave through Homeward Residential Mortgage their service provider.in Feb of this year I refinanced with Amerisave and paid down our house by $200,000.00.
When escrow closed I expected a check for the prepaid interest from Homeward. I monitored the account online and made screen prints of their transactions. They wrote off $2,200 in a series of journal entries to themselves. The offset was a foreclosure account. I got credit for the principal portion of the payment but NOT the interest. Their write offs were for the same amount as my pre-paid interest.
I called them and asked for my money back. I called the escrow company to report what they had done. I submitted copies of my cancelled checks, their accounting changes - post escrow, the pay off letter to escrow and was told that the account was zero and that they didn't owe me any money. Of course it was zero because they wrote off the credit to themselves!
Apparently, Homeward was sold to Ocwen Corp. On Mar 1st. Homeward responded to my written demand and documentation proof by telling me to contact Ocwen. I did all that and was referred by Ocwen back to Homeward with the explanation that the account was zero when it came to them. Stuck in the middle and deeply concerned about this mortgage fraud I contacted Amerisave who hired both of these companies as servicers. My current mortgage is still with Amerisave. On the phone they were very concerned and asked for all my documentation. I received their reply 45 days later telling me to contact Ocwen and submit my complaint to them. Around and around I go.
I am now forced to hire a lawyer, take everyone to small claims court and or submit all of my evidence to a government agency. There is no responsibility here. I am very angry with Amerisave and the whole bunch. I originally thought someone at Homeward was trying to balance accounts out to zero in order to move them to Ocwen and made an honest mistake but now I'm wondering if this isn't just criminal activity gone wild. I am one person, how many others have been cheated in this way and lead in circles without recourse. Shame on Amerisave and all of them!