Complaints

This profile includes complaints for Amerisave Mortgage Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Amerisave Mortgage Corporation

  1200 Altmore Ave. Bld 2 Ste 300 Atlanta, GA 30342-2498

  
• 

  Amerisave Mortgage Corporation

  One Capital City Plaza, 3550 Peachtree Road Atlanta, GA 30326

  
• 

  AmeriSave Mortgage Corporation

  700 Tower Dr Ste 610 Troy, MI 48098-2836

• 

  Amerisave Mortgage Corporation

  1200 Altmore Ave Ste 300 # Bld 2 Atlanta, GA 30342-2498

  
• 

  Amerisave Mortgage Corporation

  1200 Altmore Ave Ste 300 # Bld 2 Atlanta, GA 30342-2498

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/18/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving numerous calls, several every day, from AmeriSave representatives. They do not leave voicemails, and when I block their numbers they use new ones. Ive never done business with them, nor do I intend to. I would like my number to be added to the do not call list for AmeriSave.

  

  Business Response

  Date: 05/06/2025

  AmeriSave Mortgage Corporation (AmeriSave) appreciates this matter being brought to its attention and the opportunity to respond. In researching the consumers concerns, AmeriSave reviewed the Loan Origination System for transaction history on leads, mortgage applications and communication records.
  
  Records show that AmeriSave received a lead with the consumers contact information on 3/29/2025.  AmeriSave contracts with a credit reporting agency for lists of potential consumers in order to make a firm offer of credit for a mortgage. Under the Fair Credit Reporting Act (****), ************************* are permitted to provide this information to companies in order to make offers to potential consumers. The process identifies consumers through prescreening based on a predetermined set of criteria. Once the consumer is identified through the prescreening process, the credit reporting agency provides AmeriSave with limited information about the consumer (name, address and phone number) in order to contact them with an offer. There will be inquiries on the consumers credit report showing which companies obtained their information for prescreening, but those inquiries will not hurt the consumers credit. AmeriSave employees will start to contact you upon receipt of the trigger lead details . The consumer may view the ************************* (***) website for more information about a lenders ability to send prescreened offers as a result of receiving a trigger lead from a credit reporting agency.  *********************************************************************
  
  There are several benefits to obtaining a firm offer of credit, two of which may be additional product choices and allowing the consumer to comparison shop.  However, consumers can opt out of obtaining these offers from creditors through the various methods listed below:
  
  Call the toll-free number at 1 888-5OPTOUT ***************)
  Visit the website at ***********************
  Contact the *************** in writing at:
  Equifax Options, P.O. *****************************-0123
  TransUnion, Opt Out Request, P.O. *******************************************************
  Experian Consumer Opt Out, P.O. ***********************
  
  The consumers phone number ending in 4991 was placed on AmeriSaves internal Do Not Call List on 4/21/2025.  They should not receive additional calls from AmeriSave after that date.  In addition, the consumer may register their number with the National Do Not Call Registry at ***************** or **************. 
  
  We regret any inconvenience to the consumer and hope this explanation and the ************************* article has been helpful.  

  Customer Answer

  Date: 05/08/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/18/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was working with Amerisave Mortgage for a refinance loan. As the loan was going through the process I became increasingly worried that this was a sketchy company and I was going to ask more questions about the progress. Shortly after, I was going to cancel my loan application. I had paid for a $500 rate lock fee and I was ok with that, However, I received a notification from Amerisave would not approve my loan due to my credit report, I dont know why because my credit score was around 800. Anyway, I called to request a refund for the rate lock fee of $500.I was told they would not pay me because it was nonrefundable for the loan. The problem is that once they sent me a notice that my credit score disqualified me for the loan, that there was no loan to lock into. The law states that if the lender doesnt approve the loan, Amerisave is obligated to issue a refund for the $500 lock fee charge.I have included documents as proof that AMERISAVE would not approve my loan. We are unable to offer you a loan program under loan application ********. Here is your notice of credit declination. ***************************

  

  Business Response

  Date: 05/05/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  The consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  The consumer physically entered their credit card number on the payment screen which clearly states the amount of the fee, what the fee is for and that it is nonrefundable.  This agreement is clear as to the terms of the Lock and Shop Fee and included the following language:
  In order to proceed with locking your interest rate, you agree to pay to AmeriSave Mortgage Corporation ("AmeriSave") a $500 NON-REFUNDABLE Lock and Shop Fee. Should you decide to cancel your loan application, or should your loan application be denied, AmeriSave will retain the fee collected to secure your interest rate lock.  Please refer to the Loan Estimate for disclosure of the Lock and Shop Fee. 
  AmeriSave or its employees cannot guarantee approval of your loan application or acceptance into a particular loan program.
  A copy of the consumers electronically signed Lock and Shop Fee Agreement reflecting the consumers agreement with the terms and conditions may be provided if necessary. 
  It is imperative to note that the loan was declined due to the credit application being incomplete, not due to the credit score. The loan was declined when the consumer asked to cancel due to the fact that the loan had already been underwritten.
  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.
  

  Customer Answer

  Date: 05/06/2025

   
  Complaint: 23218508
  
  I am rejecting this response because I found this company to be sketchy and underhanded. I was told my credit rating was low and that they denied my loan. Since this company denied my loan application, why should I pay a fee to lock in a loan I don't have? I have informed the credit card company we are requesting a charge back dispute, and the card company found in my favor.  

  Sincerely,

  
  ******* *****

  

  Business Response

  Date: 05/07/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  Per our previous response, the consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  AmeriSave regrets any inconvenience to the consumer and hopes this matter is satisfactorily resolved.
  

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23218508
  
  I am rejecting this response because:

   

  I still don't agree with this response. I will take this up with our credit card provider and file a chargeback to resolve this matter.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:04/17/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We paid $500 for the lock fee but we want our money back. After spending $500, we found the terms of the loan discussed with the loan officer did not align with the initial closing disclosure provided after the $500 was spent. Specifically, they did not inform us that we were paying points for a lower rate and that wed have to spend thousands of dollars at closing. Furthermore, the monthly payment did not align with what we were told it would be. We felt misled and defrauded into paying $500.

  

  Business Response

  Date: 05/02/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond. In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 

  The consumer was advised that the $500 Lock Fee was nonrefundable. This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information. This is consistent with AmeriSaves Lock Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment. The consumer physically entered their credit card number on the payment screen which clearly states the amount of the fee, what the fee is for and that it is nonrefundable.  This agreement is clear as to the terms of the Lock Fee and included the following language:

  In order to proceed with locking your interest rate, you agree to pay to AmeriSave Mortgage Corporation ("AmeriSave") a $500 NON-REFUNDABLE Lock Fee. Should you decide to cancel your loan application, or should your loan application be denied,AmeriSave will retain the fee collected to secure your interest rate lock. Please refer to the Loan Estimate for disclosure of the Lock Fee. 

  AmeriSave or its employees cannot guarantee approval of your loan application or acceptance into a particular loan program.
  
  A copy of the consumers electronically signed Lock Fee Agreement reflecting the consumers agreement with the terms and conditions may be provided if necessary. 

  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

• Initial Complaint

  Date:04/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The beginning of March AmeriSave called me giving me information on mortgage rates. When I was looking over the paperwork it stated $500 to lock the interest rate and pre approval. Once I paid the 500 I was informed I was pre approved and when I go through the loan process the rate and the amount of the loan changed. It was not the original amount I asked for and not the same rate that I locked in.Once the process was going through they kept asking for information on a property that is not owned by the co borrower. Therefore we could get paperwork for said property. Therefore, my loan was denied and they are refusing to refund my $****** loan processor and mortgage broker were not able to assist me in processing my loan for approval.

  

  Business Response

  Date: 04/28/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  The consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  The consumer physically entered their credit card number on the payment screen which clearly states the amount of the fee, what the fee is for and that it is nonrefundable.  This agreement is clear as to the terms of the Lock and Shop Fee and included the following language:
  In order to proceed with locking your interest rate, you agree to pay to AmeriSave Mortgage Corporation ("AmeriSave") a $500 NON-REFUNDABLE Lock and Shop Fee. Should you decide to cancel your loan application, or should your loan application be denied, AmeriSave will retain the fee collected to secure your interest rate lock.  Please refer to the Loan Estimate for disclosure of the Lock and Shop Fee. 
  AmeriSave or its employees cannot guarantee approval of your loan application or acceptance into a particular loan program.
  A copy of the consumers electronically signed Lock and Shop Fee Agreement reflecting the consumers agreement with the terms and conditions may be provided if necessary. 
  A Sales Manager, ***** ***** contacted the consumer on 4/16/2025 and explained the loan process and the non-refundable Lock & Shop fee to the consumer. Additionally, the consumer was unable to provide the required documentation for approval and the co-signer ultimately backed out of moving forward, resulting in a decline of the loan.
  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.
  

• Initial Complaint

  Date:04/15/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since last year I have been receiving calls from Amerisave. They call anywhere from 4 -12 calls a day. In fact they are calling me now and it is the third time so far. They use all different numbers. I block that number and they call on another number I did not have any interest in this company and never contacted them I need somebody to help me stop these calls

  

  Business Response

  Date: 04/30/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond. 
  AmeriSave is unable to add the consumer to our Internal Do Not Call List until a full phone number is provided. AmeriSave will add the consumers phone number(s) to our to our Internal Do Not Call List upon receipt of the consumers preferred telephone number, following receipt of this request. 
  In addition, if they have not already done so, the consumer may register their number with the National Do Not Call Registry at ***************** or **************. 
  AmeriSave regrets any inconvenience to the consumer and their family members resulting from this matter. 

• Initial Complaint

  Date:04/11/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting a complaint against Amerisave Mortgage Corporation regarding a misleading loan application process and a $500 processing fee I was charged without proper disclosure.I contacted my lender on April 10, 2025, to discuss a possible HELOC. She sent me a link to begin prequalification, which I assumed was part of her process. After submitting the form, I immediately received a call from an Amerisave representative. I explained I was expecting to hear from my lender, but he transferred me to ******** ******* to review my application. Believing Amerisave was affiliated with my lender, I proceeded. ******** informed me of a $500 processing fee but did not mention that it was non-refundable. Afterward, I was passed to her manager, Bouw, and then to ****** *****, who began the document process. The entire interaction lasted under an hour.Later that day, I called my actual lender to confirm she had received my application only to learn she had not and that Amerisave was not affiliated with her. Realizing the mistake, I immediately contacted ****** and ******** to cancel the loan. I also followed up in writing. When I asked for a refund, I was told the fee was non-refundable something that had never been disclosed before cancellation. On April 11, Michelles manager called to try to retain my business by lowering the rate, but I declined. He stated the fee would have been refunded had I completed the loan, but not since I canceled. This is both unfair and deceptive. Under CFPB Regulation 12 CFR Part *******, I can rescind within three business days. I notified Amerisave within three hours. The non-refundable nature of the fee was not disclosed until after I canceled, which violates fair lending practices.I am requesting a full refund of the $500 processing fee.Sincerely,******* *******

  

  Business Response

  Date: 04/25/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the concerns,AmeriSave reviewed the transaction history for the mortgage lead (or mortgage application).
  AmeriSave contracts with a credit reporting agencies for lists of potential consumers in order to make a firm offer of credit for a mortgage.  These leads are identified as trigger leads and can occur after the consumer authorizes a credit inquiry for a mortgage application (with another lender). Once the consumer is identified through the prescreening process, the credit reporting agency provides AmeriSave with limited information about the consumer (name, address and phone number) in order to contact them with an offer. The consumer may view the ************************* (***) website for more information about a lenders ability to access and use trigger leads at ************************************************************************************** .
  The consumer spoke to a Loan Originator (LO) on 4/10/2025.  The ** announced that she works with AmeriSave Mortgage Corporation.  In addition, the disclosures delivered to the consumer via a secure link reflect AmeriSaves name.  We regret any misunderstanding,and that the consumer thought he was speaking to someone at another company.
  The consumer was advised that the $500 Lock and Shop fee was nonrefundable.  This is consistent with AmeriSaves fee authorization screen which was reviewed by the consumer along with the Loan Estimate (LE) prior to accepting payment.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.
  A review of the records does not support any inappropriate activity by AmeriSave employees. As a courtesy, the $500 Lock and Shop fee was refunded on 4/14/2025 to the credit card initially charged.  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.
  

• Initial Complaint

  Date:04/11/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I submitted an an application to refinance my house online with AmeriSave and was contacted by a loan officer immediately. I went thru the entire loan application process explaining everything in detail & downloaded all my documents needed. The loan officer said we were approved with all the documents submitted, then comes back & says we have to take my wife off, then says it approved, but did the loan three different times. He appeared to not know what he was doing. Finally he says Im approved & sends off to underwriting but not after first getting my $500.00 rate lock fee after he says Im approved to go to the underwriter. I submit the payment then the underwriter came back a few days later stating they wont accept my part time income. All my bank statements, income, everything was submitted. The underwriter tells me Im denied and untitled to a refund of my rate lock, but my ** will call me. The ** tells me the underwriter doesnt know what shes talking about!!! He says he can reapply with my wife (but why if I dont need her income?!) and will move the money over to the new loan adding her and then comes back and says we have to wait a month. I tried calling numerous numbers to try and talk to a supervisor to speak with someone about my refund and they do not answer or flagged my number. I wish I read all the reviews about this company first. I have a signed rate lock paperwork that states The lender shall promptly refund any Lock-in fee you have paid under the following conditions: 1. The lender denies the loan for which you have applied! They keep saying I can resubmit just to pro long till the time has past that they must refund my deposit because the rate lock has expired.

  

  Business Response

  Date: 04/29/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 

  While AmeriSave makes every attempt to confirm a customer will qualify for a loan prior to moving forward, a loans final approval must come from a qualified underwriter reviewing all documentation including verifying the customers income.  The Loan Originator (**)prequalified the consumer using income from part time work started in September 2024.  Unfortunately,the ** was unfamiliar with the precise requirement of how long the applicant must receive the part time income in order to use it for qualifying purposes.

  In the interest of good service, the ** should clarify the consumers loan is prequalified at the time of the initial application pending verification of the essential application data.

  Due to this, AmeriSave will refund the $500 application fee to the credit card initially charged.  AmeriSave apologizes for any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

  
  

• Initial Complaint

  Date:04/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started a loan application with Amerisave, and I was ask by them to put down a $500 deposit in order to secure my rate. I was told this was necessary in order to continue with the application. I did this on 4/8/2025 we didnt finish the application because there were documents that I still need to review and sign, by 4/9/2025 my current loan company call me and gave me better rates and lower costs and so I cancel my application with Amerisave and requested a refund for my lock-in rate. They have been given me the run-around and finally today they told the loan officer who was helping me with the application at Amerisave, that they are not going to give me my money back. I believe this a scam because they are forcing you to pay in order to go through the the early stages of the application, and for what I been seeing on the reviews online it seems that this company collects money from the applicants without guarantee that application would go through. The company never stated the money will not get refunded if I change my opinion or decided to not go through, I do believe that what they are doing is unjustified and I would really appreciate if you guys can help me with this.

  

  Business Response

  Date: 04/23/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  The consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  The consumer physically entered their credit card number on the payment screen which clearly states the amount of the fee, what the fee is for and that it is nonrefundable.  This agreement is clear as to the terms of the Lock and Shop Fee and included the following language:
  In order to proceed with locking your interest rate, you agree to pay to AmeriSave Mortgage Corporation ("AmeriSave") a $500 NON-REFUNDABLE Lock and Shop Fee. Should you decide to cancel your loan application, or should your loan application be denied, AmeriSave will retain the fee collected to secure your interest rate lock.  Please refer to the Loan Estimate for disclosure of the Lock and Shop Fee. 
  AmeriSave or its employees cannot guarantee approval of your loan application or acceptance into a particular loan program.
  A copy of the consumers electronically signed Lock and Shop Fee Agreement reflecting the consumers agreement with the terms and conditions may be provided if necessary. 
  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.
  

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23187096
  
  I am rejecting this response because:
  
  I was told that the money wont be refundable if my application got denied, my application didnt get denied I just received a better offer somewhere else. I even spoke to a team member of Americans and they also advised that my money should be return because my application never got denied. 
  

   

  
  Sincerely,
  
  ******** *****

  

  Business Response

  Date: 04/30/2025

  AmeriSave Mortgage Corporation (AmeriSave) appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  Per our previous response, the consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  AmeriSave regrets any inconvenience to the consumer and hopes this matter is satisfactorily resolved.

• Initial Complaint

  Date:04/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business has been contacted me nonstop for no reason. Ive never used this service before.

  

  Business Response

  Date: 04/24/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond. 

  AmeriSave added the phone number(s) in our records ending with 3426, associated with the consumer to our Internal Do Not Call List on 4/10/2025,following receipt of this request.  AmeriSaves phone records indicate that no additional calls have been placed to the applicable number(s) since that time. 

  In addition, the consumer may register their number with the National Do Not Call Registry at ***************** or **************. 

  AmeriSave regrets any inconvenience to the consumer and their family members resulting from this matter. 

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23184248
  
  I am rejecting this response because: it doesnt change the fact that they randomly got my number and kept calling me until I had to do the do not call registry. I want to know of how they got my number.
  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 05/01/2025

  AmeriSave Mortgage Corporation (AmeriSave) appreciates this matter being brought to its attention and the opportunity to respond. In researching the consumers concerns, AmeriSave reviewed the Loan Origination System for transaction history on leads, mortgage applications and communication records.

  Records show that AmeriSave received a lead with the consumers contact information on 12/23/2024. AmeriSave contracts with a credit reporting agency for lists of potential consumers in order to make a firm offer of credit for a mortgage. Under the Fair Credit Reporting Act (****), ************************* are permitted to provide this information to companies in order to make offers to potential consumers. The process identifies consumers through prescreening based on a predetermined set of criteria. Once the consumer is identified through the prescreening process, the credit reporting agency provides AmeriSave with limited information about the consumer (name, address and phone number) in order to contact them with an offer. There will be inquiries on the consumers credit report showing which companies obtained their information for prescreening, but those inquiries will not affect their credit.  AmeriSave employees started to contact the consumer upon receipt of the trigger lead details.  The consumer may view the ************************* (***) website for more information about a lenders ability to send prescreened offers as a result of receiving a trigger lead from a credit reporting agency.  *********************************************************************
  
  It was confirmed that the consumer expressed no interest in loan offers from AmeriSave. 
  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

  Customer Answer

  Date: 05/03/2025

   
  Complaint: 23184248
  
  I am rejecting this response because: this is a standard response. Who was the credit reporting company that sent them my information?
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:04/09/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 4/8/25 I contacted Amerisave Mortgage about a HELOAN. When given the initial information they said it look all good and shouldn't have any issues, after paying the 500 to "lock" in my rate they proceeded to tell me I need more income for the loan and wanted to add my wife. Then they wanted so much paperwork that I gave up and went to another lender that did not require all the paperwork. I know that is part of business but I feel that it was like a bait and switch. Would like my money back. After I told them I was going with another lender they stopped talking to me at all.

  

  Business Response

  Date: 04/23/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  The consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  The consumer physically entered their credit card number on the payment screen which clearly states the amount of the fee, what the fee is for and that it is nonrefundable.  This agreement is clear as to the terms of the Lock and Shop Fee and included the following language:
  In order to proceed with locking your interest rate, you agree to pay to AmeriSave Mortgage Corporation ("AmeriSave") a $500 NON-REFUNDABLE Lock and Shop Fee. Should you decide to cancel your loan application, or should your loan application be denied, AmeriSave will retain the fee collected to secure your interest rate lock.  Please refer to the Loan Estimate for disclosure of the Lock and Shop Fee. 
  AmeriSave or its employees cannot guarantee approval of your loan application or acceptance into a particular loan program.
  A copy of the consumers electronically signed Lock and Shop Fee Agreement reflecting the consumers agreement with the terms and conditions may be provided if necessary. 
  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.
  

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23183859
  
  I am rejecting this response because:

  clearly a bait and switch, was told all was fine and needed nothing else, after paying the 500 then suddenly need more, paperwork and needed a co signer and it was all to much
  
  Sincerely,
  
  *** ******

  

  Business Response

  Date: 04/30/2025

  AmeriSave Mortgage Corporation (AmeriSave)appreciates this matter being brought to its attention and the opportunity to respond.  In researching the consumers concerns, AmeriSave reviewed the transaction history for the mortgage application and communication records. 
  Per our previous response, the consumer was advised that the $500 Lock and Shop Fee was nonrefundable.  This language was presented to the consumer while completing the online mortgage application and prior to the consumer entering their credit card information.  This is consistent with AmeriSaves Lock and Shop Fee Agreement that was disclosed to the consumer along with the Loan Estimate (LE) prior to accepting payment.  AmeriSave regrets any inconvenience to the consumer and hopes this matter is satisfactorily resolved.