AHMSI - American Home Mortgage Servicing Inc
AHMSI They are charging me Corporate Advance Adjustment fees and not applying my late fees

My home loan was sold from Citi to AHMSI. AHMSI did a loan modication which resulted in lowering my interest rate. I never receive a payment statement from AHMSI, letting me know where and how my money was applied. When I am late I have been sending in the late fee which has been over by $8.00 since September. AHMSI is showing that I still owe late fees. I have called them several times about this and get a different story each time. One time AHMSI told me that I owed closing cost and I pointed out that those fees was rolled into my loan as show in my copy of the contract. The latest story is that AHMSI used it to pay "corporate advance adjustment" fees and they informed me that they have every right to charge this. I told AHMSI that I have never heard of this fee and that it is not in my contract. To date AHMSI has taken approx 647.00 in different amounts, such as $59.02, $29.51, $. 51, $27.80, $3.80, $468.00 since the beginning of my loan with AHMSI. This month I was forced into retirement and was limited on the money I have. I sent AHMSI the principle, interest, and late fee without the escrow payment. AHMSI told me that I still owe the "whole payment" and that they are holding the money. I checked my account information through their web site and found that they did apply this money. AHMSI is still trying to collect what they call the "whole payment" which includes the escrow account in the amount of $720.00. My payments are only $690.49 if late charge applies, would be a extra fee of $21.51. That only makes the payment $712.00.

What are my rights? What can I do about this? Who do I need to contact about this?

Company: AHMSI - American Home Mortgage Servicing Inc
Country: USA
Phone: 8005694287
Site: ahmsi3.com

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