AHMSI - Tax Dept / Citi Residential Lending
Missed tax payment taken from escrow twice, escrow now negative

Below is a letter that I wrote to the AHMSI tax department. This is the 4th fax I have sent to them in the past 4 months. Each time I fax them paperwork, it is usually 12 pages long and has all of my town history statements, 2 years of tax/escrow payments, along with other info.

In a nutshell, Citi was my mortgage company, and they transferred me to AHMSI. Citi took one of my quarterly tax payments out of my escrow and NEVER sent it to my town tax department. So each time a tax payment is made, it applies to the one that was missed and the current one becomes the late one, while the entire time I am being charged interest. It is a chain reaction. So what does AHMSI do? They take the missed tax payment and pull it out of my escrow to pay the tax. So I have to pay my 2nd quarter taxes twice out of my escrow, when this amount was already deducted from my account when Citi was my lender. Paying them once is fun enough, don't you think? Anyway, the story gets more ridiculous as the weeks pass, and more errors occur. The people at the AHMSI tax department are as dumb as rocks, and they barely speak a word of English. And clearly they have no tax accounting education or experience.

Warning for those looking to borrow from AHMSI: run now while you can, unless you enjoy people messing up your money and your life! Below is the letter I wrote them:

I called yesterday regarding the non-payment of my taxes (which are escrowed), and I need this mess figured out immediately. I cannot wait 3 weeks, because I am refinancing my house next week. I have been fighting this issue since March, and enough is enough.

In the additional pages to follow, I have included each mortgage statement from Citi and AHMSI showing each tax payment that had been taken OUT OF MY escrow account, as well as the history summary from my town's tax department. 12 pages total.

Each page shows what payments took place, and it shows that I PAID my real estate taxes from MY escrow. The tax department's history summary for my account shows that they NEVER received a payment from Citi. You should NOT have taken that tax payment, which my town never received, out of my escrow AGAIN. IT WAS ALREADY TAKEN OUT OF MY ESCROW ACCOUNT. I ALREADY PAID IT. IT WAS ALREADY DEDUCTED!

Not only that, but I have been charged interest, multiple times, on the tax payment that was never received. I paid this out of my own pocket, and you have somehow managed to deduct some of the additional interest charges and the demand bill fee out of my escrow. This was not an error on my part, yet I got stuck paying for it. So thank you for that.

Not only that, but you have also overpaid my August 1st real estate tax bill, and you have also sent them a check for $795.31, which even managed to confuse the town tax collector. They will be using this as my November 09 and my February tax payment. Because of this, my escrow is now NEGATIVE $543.72.

I do not know what is going on over there or who has been so-called REVIEWING my account, but if these errors hold me up from closing on the refinancing of my house, I will be getting myself a lawyer. And if the percentage rate goes up so much as 1/100th of a percent in the meantime, I will be requesting more money than just the amount of back escrow that is owed to me. That missed rate over a 30 year loan. Maybe you can get your entire accounting department together and do the math, or I could get my 11 year old daughter to figure it out for you.

If you cannot tell that this entire mess is completely frustrating, then I'm sorry. $400 may not be a lot of money to you and the company you work for, but when you only make enough money to barely squeak by every month, and you are living off oodles of noodles and water to survive, it would make you furious too.

I want to be notified immediately following the resolution to these errors.

Company: AHMSI - Tax Dept / Citi Residential Lending
Country: USA
State: Texas
City: Irving
Phone: 8773043100
Site: ahmsi3.com

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