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

  8701 E Hartford Dr Ste 210 Scottsdale, AZ 85255-6562

• 

  AmeriSave Mortgage Corporation

  1 Corporate Drive, Suite 360 Lake Zurich, IL 60047

• 

  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:02/21/2024

  Type:Billing 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.

  There was unauthorized inquiry on my credit report by them. This is fraudulent and am requesting it to be removed.

  

  Business Response

  Date: 02/29/2024

  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.
  AmeriSaves research has confirmed a hard credit inquiry was made on 4/1/2022.  The consumer gave the ** the social security numbers in order to execute the inquiry. In addition, the consumer provided the data for a mortgage loan application to be completed.  Credit inquiries can only be disputed if they occur without the consumers permission.
  To address the concern of how the credit inquiry will affect the credit score, too many hard credit inquiries in a short timeframe can affect your credit.  However, credit scoring models will consider multiple inquiries for a certain kind of credit product within a short period as a single inquiry.  The result is a smaller impact to the credit score.  The consumer may reference the resources below for more details regarding credit inquiries.  
  ************************************************************************************************************************
  *************************************************************************************
  AmeriSave trusts this explanation addresses the consumers concerns.

• Initial Complaint

  Date:02/19/2024

  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.

  Ive been receiving harassing phone calls from AmeriSave Mortgage from the following phone numbers: *****************-462-9248; ************ asking for a *********. I have informed them multiple times that they have called a wrong number. Ive been told each time by the representative that they will update their file but I keep receiving calls from them for asking for the same person. It is becoming a nuisance throughout my day, I would like it to stop. I do not have any affiliation whatsoever with this company. There is no reason for them to reach out to me.

  

  Business Response

  Date: 03/01/2024

  AmeriSave Mortgage Corporation (AmeriSave) appreciates this matter being brought to its attention and the opportunity to respond.
  
  AmeriSave added the phone number ending in 1499, associated with he consumer, to our internal Do Not Call List on 2/19/2024. AmeriSaves phone records indicate that no additional calls have been placed to the application number since that time.
  
  In addition, if they have not done so already, the consumer may register their number with the National Do Not Call Registry at www.donotcall.gov or **************. 
  
  AmeriSave regrets any inconvenience to the consumer and their family members resulting from this matter.

  Customer Answer

  Date: 03/01/2024

   
  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:02/17/2024

  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.

  AmeriSave Mortgage (AM) has a 3rd party verify proof of insurance on their mortgage property. Although, my insurance broker sent 12 proof of insurance documents, the 3rd advised AM to place over priced coverage on my home for 12 months, which created a financial hardship by doubling my monthly payment via an escrow account that isnt in the closing documents.After we finally proved insurance coverage, AM closed my escrow account saying theyll refund my money so I can make the two payments I fail behind. After not receiving the refund I called AM to ask the status of the refund. Then they said I could not receive the refund until I make the two back payments. Unfortunately, I need the escrow refunded to catch up on payments. My complaint is under what authority can AmeriSave Mortgage hold my funds when we do not have an escrow or any other shared account to protect my property.

  

  Business Response

  Date: 02/27/2024

  Thank you for the opportunity to respond to the concerns you recently submitted through the Better Business Bureau (BBB), which we received on February 20,2024. In your correspondence, you stated your insurance broker had provided proof of insurance twelve times. However, lender-placed coverage was placed on your account. You stated this has caused financial hardship by doubling your mortgage payment. After insurance coverage was proved, your escrow account was closed. You advised you have not received a refund of $6,850.00, which is needed to get caught up on your payments. We have reviewed your concerns, and our response is indicated below.
  
  Our records show that on November 15, 2022, we received notification that policy ********** had been canceled. On November 28, 2022, a letter was sent to you advising that proof of insurance coverage was needed orthat lender-placed coverage would be added to your loan. A second letter was sent on December 28, 2022, and a third letter was issued on January 2******, advising that lender-placed coverage had been applied to your loan.
  
  On September 22, 2023, you contacted the ******************** and advised you had coverage without any lapses. Your broker sent documents, and you uploaded them last year. The representative requested you send them to **************************************************** as we had never received them. You would save the documents to a PDF and send them later. On December 7, 2023, you spoke with an insurance representative and advised them the insurance documents had been sent over many times. The representative received the declaration page for 2023-2024, scanned the documents, and requested your insurance information be updated. Please note that your records do not reflect that we received your insurance documents prior to December 7, 2023.
  
  On December 11, 2023, it was determined you had valid insurance coverage, which was updated to your loan, and the lender-placed coverage was removed. At this time, your loan reflected being past due from November 1, 2023, which prevented the escrow refund from being issued.
  
  A refund was requested on February 21, 2024, in the amount of $6,557.72. Check number ****** was received and issued to you on February 23, 2024. We apologize for any inconvenience or confusion caused by this matter.
  
  We believe that this response fully addresses the concerns outlined in your BBB correspondence. You have a right to request any documentation we relied upon in developing our response to your concerns in addition to any documentation already enclosed with this response. If you have any questions concerning this response or require additional assistance, please contact our *************************** at **************, Monday through Friday, from 7:00 a.m. to 7:00 p.m. Central Standard Time (CST).
  

• Initial Complaint

  Date:02/13/2024

  Type:Billing 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 keep getting alerts on my email about AmeriSave tracking my credit. I have called them and spoke to many people at this company and told them that I want them to stop tracking my credit They will not stop doing it I dont know what to do. I applied for a loan with them, and they turned me down. But now they are tracking my credit. Every time I apply for credit it says we just saw an alert on your account for a new inquiry from whatever the creditor is. I do not want this company, tracking my credit for ever and I needed to stop ASAP!

  

  Business Response

  Date: 02/28/2024

  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.

  AmeriSaves research has confirmed a hard credit inquiry was made on 3/7/2023. Unfortunately, AmeriSave is unable to review the recorded calls between the consumer and the Loan Originator (**) as calls are not kept indefinitely. It is AmeriSaves policy for all **s to request permission and clearly state when the credit inquiry would be initiated. There is no evidence available to support any claims that the ** violated AmeriSaves policies and procedures related to credit inquiries and that the credit inquiry occurred without the consumers authorization. In addition, the consumer provided the data for a mortgage loan application to be completed.  Credit inquiries can only be disputed if they occur without the consumers permission.

  To address the concern of how the credit inquiry will affect the credit score, too many hard credit inquiries in a short timeframe can affect your credit.  However, credit scoring models will consider multiple inquiries for a certain kind of credit product within a short period as a single inquiry.  The result is a smaller impact to the credit score.  The consumer may reference the resources below for more details regarding credit inquiries.  
  ************************************************************************************************************************
  *************************************************************************************

  
  There are no active loans in AmeriSaves system linked with the consumers name or property address. AmeriSave trusts this explanation addresses the consumers concerns.

• Initial Complaint

  Date:02/12/2024

  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 decided that I want to buy a house for my family and that I need a loan to do so. So a realtor sent me to a lender which is amerisave.Now I talk to them they run my credit put a big hit on it then say ok your approve for 233.000$ Now ********** for houses and I find something I life now here come all type of paperwork the seller agreed to me buying the 2000 ******* money gone 500 appraisal money gone ***************************************************************************************** I dont have enough work history on commission pay which they new everything before then ran my credit I took a big lost just want my money back because I was assured that I had a loan and I was told that if anything go wrong I would get my money back now no one will answer the phone

  

  Business Response

  Date: 02/27/2024

  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 and employment history.  The Loan Originator (**) prequalified the consumer using commission income from his job.  Unfortunately,the ** was unfamiliar with the precise requirement of how long the consumer must receive the commission 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.
  As a courtesy, the $500 Lock and Shop Fee will be refunded to the credit card initially charged within 3 to 5 business days.  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

  Customer Answer

  Date: 02/27/2024

   
  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:02/03/2024

  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.

  Keep getting calls andctexts. Did not sign up for service. Someone has either intentionally given a wrong number or typed it in wrong. They are addressing it as *******.

  

  Business Response

  Date: 02/19/2024

  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 XXX-XX1-****, associated with the consumer to our Internal Do Not Call List on 2/5/2024, 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 www.donotcall.gov or **************. 
  AmeriSave regrets any inconvenience to the consumer and their family members resulting from this matter. 

  Customer Answer

  Date: 02/19/2024

   
  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:02/02/2024

  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.

  I have been getting a dozen or more calls a day from amerisave mortgage. I do not have a mortgage through them I do not want a mortgage through them I am not looking for a mortgage through them they are harassing me and calling me non-stop for absolutely no reason. Apparently this is an issue that thousands of people have with them.

  

  Business Response

  Date: 02/13/2024

  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 XXX-XX1-****, associated with the consumer to our Internal Do Not Call List on 2/5/2024, 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 www.donotcall.gov or **************. 
  AmeriSave regrets any inconvenience to the consumer and their family members resulting from this matter. 

• Initial Complaint

  Date:02/02/2024

  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.

  I was told that I had a good opportunity to get a first-time home buyers' loan, but that I had to move fast. This required a $500 lock in rate fee that I was told would be refunded whether I changed my mind or if the loan didn't go through. I paid promptly and submitted all of the paperwork promptly as well. After that it was complete silence. I called. I texted. I finally got a response almost 2 full weeks later that the agent I was working with was out of the office and to contact his manager. I called the manager twice and again no response. I then called again for the third time on 02-02-2024 I'm getting the run around. Now I sent in all of my information and I'm feeling like my personal information is being compromised. It was agreed upon to speak on the phone the next day. I called. I text. Again, there was no response. This prompted me to look at ****** and social media reviews. All of the reviews said the very same thing I have been experiencing. It is too late to go with another agent now as my score dropped waiting on this company. They have done this to hundreds of people, how are they still in business? How have they not been shut down for fraud? This is not okay. They're ruining real people's lives and making a ton of money doing it.

  

  Business Response

  Date: 02/14/2024

   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. 
  As a courtesy, the $500 Lock and Shop Fee was refunded on 2/5/2024 to the credit card initially charged.  AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

• Initial Complaint

  Date:01/31/2024

  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.

  I was working with a loan officer her closely from this program because he kept calling me and was adamant that he could really help me with my income away to be able to purchase a home. I feel like I was helpful and he was adamant calling me every day so things are going good and then after I paid it the fee and they ran a hard inquiry against my credit. I had gotten an approval letter for an amount for a house and then during the underwriting process I was told her might be some problems with using some things as income and then all the sudden they stop answering the phone of me, calling me answering any of my emails . I contacted the corporate main office via email and never got a response back from anyone yet again. I was basically ghosted after paying the fee and having a hard inquiry against my credit. I wouldve never went that far if the gentleman I was speaking to not have reassured me that , this was going to be a legitimate preapproval and for the amount I needed. There were a couple other companies that did not approve me for enough. Therefore, I didnt follow through and continue working with them. Meaning, no hard inquiries against my credit from them so I would not have done that with a mirror saved if I wouldve been told basically that they were good just gonna drop me like once they figure it out I guess some of my income they couldnt count I was no longer in ******, I no longer mattered and I didnt even deserve a call to be told and that was a few months ago today out of the blue through a text message. I was told that my loan was denied but obviously I knew it was a night because I had already moved on but thats how little they even care to make a phone call or let me know after multiple complaints and trying to get a hold of someone leaving many messages and emails. I got a text message back .

  

  Business Response

  Date: 02/14/2024

  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 provided by the consumer.  Unfortunately, the income was not sufficient for the consumer to qualify based on current investor guidelines.
  There is no evidence that AmeriSave, or any of its employees, initiated the credit pull without permission.  Based on this, AmeriSave is unable to reverse the hard credit pull because authorization was provided in connection with the inquiry. 
  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. The loan was final dispositioned on 1/30/2024. A Sales Manager, *********************** contacted the consumer on 2/14/2024 regarding moving forward with a new loan application based on updated income information.
  AmeriSave apologizes for any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

  

  Business Response

  Date: 02/14/2024

  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 provided by the consumer.  Unfortunately, the income was not sufficient for the consumer to qualify based on current investor guidelines.
  There is no evidence that AmeriSave, or any of its employees, initiated the credit pull without permission.  Based on this, AmeriSave is unable to reverse the hard credit pull because authorization was provided in connection with the inquiry. 
  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. The loan was final dispositioned on 1/30/2024. A Sales Manager, *********************** contacted the consumer on 2/14/2024 regarding moving forward with a new loan application based on updated income information.
  AmeriSave apologizes for any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

  Customer Answer

  Date: 02/15/2024

   
  Complaint: 21225802
  
  I am rejecting this response because: the original person that did help me in the beginning, who was a loan officer was really good, and was really thorough, and I never said that I didnt agree to do the credit check, but he basically had convinced me that he was gonna continue working with me and he was going to be with me through this whole process and pretty much said I was guaranteed to be approved based on everything that was said. Like I said, in the complaint, he disappeared, and whether it was personal matters or what not, I completely understand. But his voicemail said if he was unavailable to contact *********************. I contacted him multiple times and sent multiple emails. It wasnt until I took the step to contact the Better Business Bureau where I actually got a response from them.  *** sent emails and multiple messages and I could not get anyone to even say what the problem was or that I even was denied. Thats all I wanted was a response and for someone to communicate with me but it was very belittling and disrespectful, and made me feel like I was not good enough for them to even give me  a dignified response. Basically, like a slap in the face you were denied, so youre not even good enough for us to pick up the phone and call you or even take the time to send you an email. Like I said, it was very belittling and insulting. Yes, the gentleman called me today because you guys filed a report and he doesnt want that on his record . What I want is for people to know that not everyone has an equal opportunity not everyone no matter what income can be helped. I want it to be known that based on someone telling me that certain income could be counted for which apparently wasnt high; waisted about 20 points on my credit report to run this hard inquiry. Im not asking anyone to feel bad or try to call me and be extra nice. I just want it to be known That if you dont have enough money or arent on the same level youre not worth their time! Even contacting the corporate office, phone number and email that was on the website. Did not bring around a response.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 02/21/2024

  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 verifying the customers income, assets and liabilities that a Loan Originator does not have available at the beginning of the process. The Loan Originator can only make a pre-qualification or pre-approval subject to further review by a qualified loan underwriter.
  In the interest of good service, the ** should have clarified that the consumers loan is prequalified at the time of the initial application pending verification of the most essential application data.
  AmeriSave apologizes for any inconvenience to the consumer and trusts this matter is resolved satisfactorily.

• Initial Complaint

  Date:01/30/2024

  Type:Billing 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.

  my son was ******* for a home loan first time home buyier still green in the ways of the shady word to put it nicely when his bank went to get his credit score amerisave intercepted the lady at bank said someone would be in contact with in 48 hours sure enough he got a call not from his lender but from amerisave getting all his infomation including ss number charged him ***** to run credit check they did not tell him they they were with his lender but some things did not add up being a father i stepped in called them ask some questions found out what was going on when ask them were they got his number he said from credit bearul him being young he fell right in i do not feel it is right for a place of business to conduct businuss this way its shady this happen on monday january 22 **** my sons name is *************************** his phone number is ************ if you want to speak with him,i want his report reversed thanks *************************

  

  Business Response

  Date: 02/12/2024

  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 Federal Trade Commissions (FTC) website for more information about a lenders ability to access and use trigger leads at www.consumer.ftc.gov/articles/shopping-mortgage-faqs.
  The consumer spoke to a Loan Originator (**) on 1/22/2024.  The ** announced that he 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. A review of the records does not support any inappropriate activity by AmeriSave employees.  It further shows extensive communication between the ** and the consumer about different loan products, pricing,and available options.
  The consumer was advised that there would be a credit report fee.  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.
  There is no evidence that AmeriSave, or any of its employees, initiated the credit pull without permission.  Based on this, AmeriSave is unable to reverse the hard credit pull because authorization was provided in connection with the inquiry. AmeriSave regrets any inconvenience to the consumer and trusts this matter is resolved satisfactorily.