AmeriNat

My loan was recently transferred to AmeriNat, and the experience has been frustrating from the start. The account setup was unclear, communication was poor, and I was charged a late fee even though I paid on time. When I raised the issue, the customer service response was dismissive and unprofessional rather than helpful. Most financial institutions offer a first-time courtesy waiver, but AmeriNat refused.

If you are dealing with AmeriNat, keep detailed records of your payments, expect delays in posting, and be prepared to escalate complaints if necessary. I would strongly encourage AmeriNat to improve their professionalism, transparency, and fairness toward new customers.

I spoke with Jetonne today about a concern I had with my account. She was very clear, professional, and detailed. She has such amazing people skills. Thank you so much for your help.

Had a wonderful experience with your representative Jetonne. She handled my question quickly and accurately. It was nice to talk to a representative who was nice and helpful.

I spoke to Selene to make my monthly loan payment. She is very professional, knowledgeable, and has a wonderful personality. If I still owned my own corporation, I would hire her in an instant. She is a definite asset to Amerinat.

I received assistance today from Jeponne regarding my account. She was very helpful and a great example of what good customer service should be.

I spoke with Jetonne today. Her customer service was the best! She was very thorough, polite, and patient with me. Best experience I've had in years with a customer service representative! Thank you for your kindness! 10 stars!

Had a great telephone experience with Jetonne. She was very helpful and explained everything discussed well. Her customer service and technical expertise was phenomenal. Thanks so much for making the phone call easy. Highly recommend this business.

I spoke to Jetonne to make a payment today, and she was very kind, fast, knowledgeable, and a breath of fresh air to speak to. Thank you, Jetonne.

Made a payment with a lovely young lady today. She was very kind and thorough in her work. A great representation of "A+" customer service! Thank you, Selene!

Selene was very helpful, patient, and understanding! She took the time to explain details about my account, and now I understand it so much better.

This lender demonstrates some rather undesirable business practices which require that each borrower tread carefully. I give them two stars rather than one only because they are at least running a loan organization which does process payments, otherwise it would be necessarily be a one-star outfit.

First up, they switched payment addresses without informing us, and when I called to find out why our automatic bank payments were no longer going through they told me quite gruffly that it was OUR responsibility to notice when the mailing address for payments on the monthly invoice had changed. Nice.

Second, in the past 12 months they have changed the way they list the amount due on their invoices. Originally they listed the total due as you would expect - highlighted as the total amount due, and then in would list in another place the late fee that would be charged if the payment is not received before the due date. Now their new format rolls the late fee into the total everywhere it is listed, in a blatant attempt to trick the borrower into paying the late fee as well when it isn't due. I will try to demonstrate:

1. Total Amount Due at the top of the page in the big square - the first thing your eye sees: it only lists the TOTAL INCLUDING THE LATE FEE with no breakdown. It does say underneath this padded total that "$zzz late fee will be charged if the payment is not received by zz/zz/zzzz." But this makes it seem as though the inflated total is what is due, and that the late fee will be added AGAIN if your payment is late.

2. Explanation of Amount Due - the more detailed box underneath the first one, halfway down the page. This one lists the correct total amount due under the entry "Regular Monthly Payment" in the middle of the stack of numbers, and then it lists the late fee and finally LISTS THEM COMBINED AT THE BOTTOM AS THE TOTAL AMOUNT DUE in bold.

3. Payment Coupon - On the payment coupon at the bottom of the invoice THE CORRECT TOTAL DUE DOES NOT APPEAR AT ALL!!!!! Only the inflated total with the late fee included (which is not due yet) appears here, and it does not explain that the late fee is included. You just get a trick total on the left in an eye-catching box that shows the padded amount, and then over on the right that same inflated total appears in very large text below the words "Payment Coupon" with no explanation that there is an unnecessary late fee hidden in this total.

This trick they are using did not catch us because our correct payments are taken automatically via direct debit, but every time I see these invoices come in the mail now, I wonder if anyone out there is falling for this trick. I am no legal expert, but this seems a shady practice to me. I wanted to report it in the hopes that at least someone reads this and pays a bit more attention to their bill.

Ideally the company should voluntarily change their invoice layout ,or be forced to do so by a government agency or consumer watchdog.

I was having some issues with my mortgage statement had spoken to several customers customer service reps in efforts to resolve the issue and to no avail. I eventually spoke to Barbara G at extension 1330. She immediately rectified the situation. Her customer service manners was excellent! K. Mims

Mrs Barbara at ex 1330 was awesome she was very Patient and Professionalshe also help me walk step-by-step on paying my mortgage payment online with you guys new system

Great rate New windows great home improvement Great opportunity to install new windows in my home at such a great interest rate Great community program to help homeowners upgrade property value