AmeriSave and RingCentral clash in court as tech contract dispute exposes vendor risks for lenders
A high-stakes legal battle has erupted between AmeriSave Mortgage Corporation and RingCentral, Inc. over a soured technology contract and claims of unpaid services—putting the spotlight on vendor risk for mortgage lenders.
In a complaint filed October 9, 2025, in the United States District Court for the Northern District of California, RingCentral, Inc., a Delaware corporation and provider of cloud communication and collaboration services for businesses, accuses AmeriSave Mortgage Corporation, a Georgia corporation and direct-to-consumer mortgage lender, of breaching a major technology agreement and refusing to pay for services rendered. The dispute centers on a Master Services Agreement (MSA) signed in April 2021, which RingCentral alleges was designed to provide AmeriSave with customized cloud communication and business solution products and services.
According to the complaint, AmeriSave communicated an “urgent” need for a scalable, integrated communications system to support its growth. After a series of meetings and product demonstrations in March and April 2021, the parties entered into the MSA, which included RingCentral MVP—also referred to as Office Services—for internal team messaging, video meetings, and phone, as well as a Contact Center as a Service platform to handle customer interactions.
The MSA included seven attachments outlining the specifics of each product, service level agreements, and security requirements. AmeriSave agreed to purchase both the Contact Center and MVP products for an initial term of 60 months, with the contract value for each service set out in the order forms. RingCentral claims it made extraordinary accommodations for AmeriSave, customizing the platforms to meet the lender’s evolving demands and incurring significant costs in the process.
Implementation proceeded as planned. On or about August 30, 2021, AmeriSave executed Go Live Readiness and Acceptance Documents for the Contact Center, acknowledging that all business requirements had been completed and that the application functioned as specified. On September 2, 2021, RingCentral implemented the Contact Center. On August 31, 2021, AmeriSave also acknowledged receipt of the MVP Services Package, and numerous AmeriSave employees used the MVP product and services for multiple months.
Despite these acknowledgments, the relationship deteriorated. The complaint states that after the initial rollout, AmeriSave requested further modifications to the Contact Center product, with each new version departing further from the original statement of work. On or about January 31, 2022, AmeriSave notified RingCentral that it was unilaterally terminating the MSA and refused to pay for the products and services, despite having used them.
RingCentral alleges that AmeriSave’s actions constitute a material breach of contract, as well as a failure to pay for services rendered. The company seeks compensatory damages in an amount not less than the contract value, according to proof at trial, as well as restitution and other economic damages.
The MSA contains a clause requiring that any disputes be governed by California law and litigated in San Francisco, California. RingCentral states it engaged AmeriSave in a good faith effort to resolve the dispute before filing suit, as required by the agreement.
No final decision has been issued, and the case remains at the complaint stage.
