Complaint / Review
Ameriquest
Ripoff lyers dishonest frudulent even used a made up supervisor who doesn't exist

We origially refinanced our house through Alegiance/Argent Mortgage. We had less than perfect credit, but it wasn't bad. Our loan was sold to Ameriquest right away.

We had made only one payment when they did an inital escrow account projection for the coming year. We were told we were short 281.10. We were also told when we questioned why they did not put the right amount into the escrow instruction, when the loan was sold to them, that they always guess and then fix it later.

We went ahead and paid the shortage for the impound account. Figuring we could fight about it later. My husband put down a certain amount was to go to the impound account, a certain amount was to go to the principle and the rest to the house payment. They applied all of the extra money to the principle, and none to the impound account.

I have tried for weeks now to get that money into the impound acount. I have been told so many stories that I quit listening to them, and just got their names, and requested that they try again.

Finally, I asked for a Supervisor. He told me that all would be fixed within the week. He gave me his name and direct phone number.

When I found that the money was not in the account, I dialed his direct number. I kept hanging up on me. I had customer service check it out and it did the same to them. I gave customer service his name. They had never heard of him.

Now I am told that all the previous requested have been denied because they were written wrong. I have been requested again and this time they have assured me that it will be fixed. Ya Right!

It takes 10 business days for each request to go through.in the meantime, they have sold my loan to Citifinancial Mortgage. I have 15 days and I will be making my payments to them.

They have already sent me a statement letting me know that my first payment is for a wrong amount because it does not show that we have paid the money that was short for the impound account.

I can't seem to get these people to understand what they are doing or maybe they do and it is a way to get more money out of me. If anyone has any suggestions, how to fix this from these crooks, please let me know.