Victim Location 80010
Total money lost $1,000
Type of a scam Credit Repair/Debt Relief
I refinanced a mortgage for a single family rental property. Soon after closing, that mortgage was sold to Amerihome Mortgage around February 2018. I made my first payment to Amerihome and then signed up for autopay on 3/1/18 using my business checking account (I have multiple rental properties with other servicers and have always used a business account without issue). Amerihome cancelled my autopay because they require a special form if using a business account. So I filled out the form and mailed it in and resigned up for autopay online on 4/27/18. This time I assumed it was effective and took it off my to do list. However, my May payment did not process because they had rejected my autopay again. I didn’t find out my payment didnt go through until early June. When I did, I immediately paid the full balance and explained the situation over the phone. The rep understood the situation and waived the late fee and all was good. A month later I found out Amerihome had reported the late payment to the credit agencies. I again called and explained the situation and wrote a letter to their dispute department but Amerihome refuses to remove the late payment from my credit report. They want me to have a lower credit score so I pay a higher interest rate next time I refi. My credit score has gone from an 810 to a 670. This is not a late payment situation, this is a logistical situation that I have made multiple good faith efforts to comply with their requirements. Please help me to get the late payment removed from my credit report. Thank you, Kellen