Dovenmuehle Mortgage, Inc

2017-10-24

FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.
Company Response: Closed with explanation

Timely Response

2017-10-23

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-13

Potomac Falls, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-12

Rocky Ridge, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-10-11

Bakersfield, CA

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-04

E Millstone, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX, XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.
Company Response: Closed with explanation

Timely Response

2017-10-03

Coalinga, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you
Company Response: Closed with explanation

Timely Response

2017-09-29

Acton, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2017-09-28

Norwalk, CA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I have had a second mortgage with XXXX XXXX XXXX for more than 3 years that went well. Last XXXX XXXX XXXX XXXX XXXX sold/ assigned? my loan to Dovenmuehle Mortgage , Inc . With XXXX XXXX XXXX I had an automatic payment set BY THE BANK to withdraw the minimum monthly payment. On top of that I made extra payments online through their website. Both my checking account and my home equity were held by XXXX XXXX XXXX. I had no idea about the above transaction until in XXXX of this year XXXX ( five months later ) when I received a foreclosure notice from Dovenmuehle Mortgage , Inc . It was at a great surprise as I have never heard of them. They said that they had bought the loan and I was in default. I tried to work with them to set up an account immediately and pay online. I was " blocked '' to pay online as I was " late ''. They allowed me with a fee to pay by phone to date. After that I started to look into the account because I knew I had made payments online at the XXXX XXXX XXXX website every month to go towards principle for all these years and most of the time my extra payments were more than a regular monthly payment. Then I realized that some of the payments were just deleted. For some of them the money cleared out of my checking account bank but they were never posted to my mortgage account. Every month I continue to make payment to both the same way, I paid online at the XXXX XXXX XXXX and I paid to Dovenmuehle Mortgage, Inc as I did not want to lose my house. Surprisingly this was repeateing over and over. Some payment are posted, some are not. Every month, when I get a statement, I called XXXX XXXX XXXX and they confirmed that the money has been cleared by the bank and that Dovenmuehle Mortgage , Inc should have posted and then I called Dovenmuehle Mortgage, Inc and they sayd they will look into it. Couple of times I was on conference call with both XXXX XXXX XXXX and Dovenmuehle Mortgage , Inc . The representative named XXXX of the XXXX XXXX XXXX at the extension XXXX was the first nice to go through the statements to confirm my complaint that money has been out of my checking account and never had been posted towards my mortgage. I paid {$20000.00} a month ago to try to close this account and get rid of them, however I do want my money paid to show on the account and have a fair balance. My XXXX XXXX XXXX statement shows now {$7400.00} while Dovenmuehle Mortgage XXXX Inc shows {$8500.00}. It is more than {$1000.00} difference because of the multiple payments that shows on XXXX XXXX XXXX home equity account, but never showed on Dovenmuehle Mortgage, Inc account. They promised me a month ago that they will revise all payments made towards XXXX XXXX XXXX. This month, when I received another statement without any modification I called the bank to tried to reach XXXX. He was unreachable for a whole week. So I decided to contact you to help me. I have printed out everything starting XXXX XXXX with payments made, deleted, cleared money out that were never posted. On top of that in XXXX they reported me a month late, even of I made multiple payments every month for years including that month but they were never posted. Where is my money? I am attaching my most recent information and I know that they both show XXXX XXXX XXXX. However the one with XXXX XXXX address is actually Dovenmuehle Mortgage , Inc. You see, there is no Dovenmuehle Mortgage, XXXXc anywhere, however they hold the account.
Company Response: Closed with explanation

Timely Response

2017-09-25

Rockville, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-25

Patterson, MD

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home
Company Response: Closed with explanation

Timely Response

2017-09-21

E Millstone, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-20

Santa Ysabel, CA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-09-11

Charlotte, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-11

Agua Dulce, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-09

Three Bridges, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-08

Greensboro, NC

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-01

San Diego, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.
Company Response: Closed with explanation

Timely Response

2017-08-30

Kenosha, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-29

Mount Vernon, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-29

Columbus, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-29

Menifee, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-27

Foothill Ranch, CA

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: XX/XX/XXXX and XX/XX/XXXX statements I paid amount due for both months on time. {$290.00} on a 2nd loan. Dovenmuehle Mortgage created an impound account for additional {$1500.00} per month for both unpaid property taxes for XXXX and collecting for upcoming property taxes for XXXX. I paid my property taxes for XXXX and do not owe any back property taxes. I never agreed to an impound account. Dovenmuehle Mortage never paid any amount on my property taxes yet they are still trying to collect for something they never made any payments on. My payments were made through my checking account and my bank sent them the money. They are " holding '' my funds and not applying them and now are sending me threatening letters of default. They are attempting to collect on impound funds.
Company Response: Closed with explanation

Timely Response

2017-08-25

Bueche, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.
Company Response: Closed with explanation

Timely Response

2017-08-22

Allendale, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response