Dovenmuehle Mortgage, Inc

2017-08-21

Mount Vernon, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-20

AZ

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.
Company Response: Closed with explanation

Timely Response

2017-08-17

Newark, DE

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-08

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help
Company Response: Closed with explanation

Timely Response

2017-08-08

E Millstone, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect. The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved? Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?
Company Response: Closed with explanation

Timely Response

2017-08-07

Northside, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My name is XXXX XXXX. The payment collection of my mortgage loan number XXXX was being serviced by XXXX XXXX XXXX XXXX until XXXX XXXX, 2017 when it was transferred to Dovenmuehle Mortgage Inc. As a result of this change I ended up paying twice the monthly installment ( {$1300.00} ) for the month of XXXX XXXX. One payment was made on X/X/2017 to XXXX XXXX XXXX and the second payment was made on X/X/2017 to XXXX Mortgage. A few days after receiveing this last payment XXXX XXXX XXXX transferred it to Dovenmuehle Mortgage. That 's how Dovenmuehle Mortgage end up with double mortgage payment for the month of XXXX 2017. I have made multiple requests to Dovenmuehle Mortgage Inc. to reimburse this double payment ( for the amount of {$1300.00} ) to me in a form of a check. It has been two months now since my initial request, and despite I have contacted them twice ( last time talking to an Agent named XXXX ), Dovenmuehle Mortgage has refused to send me a check. Dovenmuehle Mortgage Inc. address is : XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is XXXX. Please help me get my money back as I have no other means to deal with this bank. Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Timely Response

2017-08-02

San Diego, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: RE : Missing check for escrow refund of {$5500.00} made on XX/XX/XXXX Dovenmuehle started servicing my loan on XX/XX/XXXX. Upon initiation of the loan I pre-funded the escrow account with a deposit of {$5100.00}. Starting in XX/XX/XXXX I began to experience issues with Dovenmuehle receiving but not applying checks to my mortgage account. I also noticed the account balances for the escrow account were not correct. In XX/XX/XXXX I had requested an escrow statement and escrow analysis to be performed, but unfortunately this request was never completed. We continued to experience issues with Dovenmuehle not applying funds to our mortgage account through XX/XX/XXXX. The mortage went into default and foreclosure proceedings were initiated. I and made several complaints to both Dovenmuehle and CFBP. Dovenmuehle provided a response but it did not address the issues we had been facing although we were provide a detailed account statement showing all of the incoming/outgoing transactions. Surprisingly on XX/XX/XXXX the servicing of this loan was transferred to XXXX XXXX loans. I contacted XXXX and was able to immediately reinstate the loan in full and this is currently in good standing. At the same time of reinstating the loan I requested that XXXX provide me with an escrow statement and analysis dating back to loan inception. XXXX XXXX Loans promptly provided me with all the information I needed. In both the paperwork I was provided by XXXX XXXX at Dovenmuehle and XXXX XXXX loans it showed that on XX/XX/XXXX, Dovenmuehle made what I believe to be an unauthorized disbursement out of my escrow account listed as an Escrow Refund in the amount of {$5500.00}. A customer service representative at XXXX was able to tell me that this was disbursed in the form of a check issued by XXXX XXXX XXXX to XXXX XXXX and had a check number of XXXX. This shocked me I had never requested, nor authorized, any refund disbursements to be made from my escrow account. I had never received a check, nor any correspondence from Dovenmuehle informing me that such a disbursement had been made. It is still unclear as to the reason why a refund disbursement would have been made only four months into the life of the loan which is highly unusual. The consequence of making an unauthorized disbursement in the absence of an escrow analysis led to the escrow account being under-funded and the monthly mortgage payments subsequently increased to account for the shortfall. I contacted Dovenmuehle and spoke to a customer service representative and explained that while my loan had been transferred, I was seeking information on account statements of payments made during the time Dovenmuehle was responsible for my mortgage. The representative informed me she could help me and to contact the new servicer. I called back an asked to speak to a supervisor who was similarly unhelpful and said any such requests should be addressed to the 'Investigations Department '. I asked to be connected but she said I needed to fax over the information, which I did in XX/XX/XXXX. I detailed my issue to Dovenmuehle and requested that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. I have since contacted Dovenmuehle several times and asked that they confirm receipt of the fax and provide me an update on my request, the customer service representatives informed me that they could not help me and to contact my new servicer. This is not something XXXX can assist with as the check disbursements were made out of my escrow account when under Dovenmuehle 's control. XXXX XXXX XXXX have voiced deep concern at the issues I have experienced working with Dovenmuehle and brought into question their servicing practices. In summary while Dovenmuehle was servicing my mortgage they made an unauthorized disbursement from my escrow account that led to my escrow account becoming underfunded. I never received the disbursed funds and Dovenmuehle have ignored my requests to see proof of the check being cashed and by who. The consequence of this means I am down {$5500.00} and my mortgage payment has changed to account for this shortfall.
Company Response: Closed with explanation

Timely Response

2017-07-31

New Cassel, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-31

Funkstown, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-17

Newark, DE

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-13

E Millstone, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-12

Glenarden, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-12

IA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.
Company Response: Closed with explanation

Timely Response

2017-07-07

E Millstone, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-05

San Gabriel, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, an Insurance Loss Claim check was deposited into a restricted escrow account controlled by the Loss Draft Department ( LDD ) of Dovenmuehle Mortgage, Inc. Loss proceeds and interest remain held in this account despite full completion of repairs as ofXX/XX/XXXX. <P/> CHRONOLOGY OF EVENTS The following is a chronology of significant and relevant events that pertain to this complaint against the Loss Draft Department ( LDD ) of Dovenmuehle Mortgage, Inc : XX/XX/XXXX - Restricted escrow account opened with a deposit of {$29000.00}. <P/> XX/XX/XXXX - An electronic copy of a Notarized Lien Waiver was submitted, to LDD via email, in conjunction with requests for partial disbursement and completion of work inspection. <P/> XX/XX/XXXX - First successful Automated Clearing House ( ACH ) transfer of a partial disbursement was completed establishing a verified facility for direct deposit funds transfer. <P/>XX/XX/XXXX - Percentage of Work Completed : A 100 % completion was verified through an on-site inspection as ordered by the Loss Draft Department ( LDD ). <P/> XX/XX/XXXX - An electronic copy of a Notarized Letter of Satisfaction was sent to LDD via email. <P/> XX/XX/XXXX - Only a partial disbursement was received although a request was submitted for the full disbursement of the escrow accounts remaining balance ; received as in a paper check form despite my consistent request for direct deposit via ACH transfer. <P/> XX/XX/XXXX - Sent email asking for a resolution for the following Issues and Concerns : 1. Issue : LDD is repeatedly mailing out paper checks despite my constant request for electronic ( ACH ) direct deposit of funds. The following are the times when paper checks were issued after XX/XX/XXXX : 1.a. Partial disbursement onXX/XX/XXXX 1.b. Partial disbursement on XX/XX/XXXX1. c. Partial disbursement on XX/XX/XXXX ( this check was not received ) 2. Issue : LDD refuses to release remaining balance in spite of having received the required Inspection Report indicating 100 % completion, Lien Waivers, and a Notarized Letter of Satisfaction. <P/> Concern for the unreleased funds a request, dated XX/XX/XXXX, was for the disbursement of full balance, but the LDD declines to release the full outstanding balance remaining on the escrow account. I uncovered customer complaints mirroring my experience which became a concern, and I asked LDD to address it. This concern was largely ignored and it regrettably mimics the comments or rebuttal posted by LDD, which reads, Review # XXXX is a subjective opinion of a user. ( Reference : Online Consumer Reviews - https : //dovenmuehle-mortgage.pissedconsumer.comXXXX ) XX/XX/XXXX - The LLD has made a partial disbursement for {$2000.00} that never made it to my checking account designated to receive ACH transactions nor was it received in a form of a mailed check sent to the property address as maintained by LDD. <P/> XX/XX/XXXX- I requested a copy of LDDs disclosure statement applicable to the interest rate that the unreleased fund held in escrow is supposed to accrue. LDD has ignored this request. <P/>XX/XX/XXXX- SinceXX/XX/XXXX, I have asked that all upcoming disbursements be sent via ACH, so why does LDD continue to mail me paper checks? It has been two weeks since the supposedly mailing date ofXX/XX/XXXX but no check has been received so far. At this point, I demanded that LDD immediately send the {$2000.00} via ACH and must be posted to my checking account within 5 days. I conveyed to LDD that unless I receive that amount and properly get a response to all my earlier unanswered e-mails, I will have no recourse but to file complaints with the California Department of Business Oversight ( DBO ) and the Consumer Financial Protection Bureau. <P/> INSTRUCTION REGARDING FINAL DISBURSEMENT The following paragraph is an excerpt from the Lenders Instruction Letter regarding FINAL DISBURSEMENT pertaining to non-delinquent borrowers : When your repairs are complete, please contact our Loss Draft Department at XXXX to order a 100 % inspection. At this time you must have provided us with the Notarized Lien Waiver or Notarized Letter of Satisfaction. When the results of the inspection show 100 % completion and all required documents have been obtained, the remaining balance of the insurance loss proceeds will be released for disbursement. <P/> COMPLAINS Heres the bottom-line, I have these following complaints against Dovenmuehle Mortgage , Inc. ( AKA LDD ) : 1. They have not complied with their own Letter of Instruction ; 2. They ignored numerous request for expeditious methods ( via ACH ) of funds transfer in order to delay consumers access to the funds ; 3. They held funds beyond the completion milestones met through required repairs ; 4. They have failed to respond to several correspondences from the consumer ; 5. They have not responded to consumers request for immediate direct deposit of outstanding unaccounted disbursement of {$2000.00} ; 6. They have not responded to consumer 's request for disclosure statements ; 7. They have not resolved the consumers question regarding interest accrual, and this portion of the entire amount remains outstanding.
Company Response: Closed with explanation

Timely Response

2017-07-03

Bellaire, TX

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: In XXXX 2017 I reached out to my Mortgage company in regards to an employment hardship that rendered me unable to make full payments to my mortgage company, Dovenmuehle Mortgage. I sought options to make partial payments until I was able to make the full payments. They informed me that they did not take partial payments and informed me of their Loss mitigation process. They also so gave e information about HUD approve advocacy agencies that could assist me in filling out the package.At that time I started the modification process I was 90 days ( {$2200.00} ) behind on my mortgage and I wanted to get help as soon as possible before I got severely behind. I started working with XXXX who helped me fill the paper work and I also was working with XXXX XXXX a mitigation officer at Dovenmuehle Mortgage. I was assured that while I was going thru the modification process my loan would not go in to Acceleration or foreclosure however on XXXX XXXX, 2017 I was sent a certified letter of Acceleration from my mortgage company. Its been three months and the Mortgage company has not responded to me or XXXX other than my file is be processed. I feel threatened that I may lose my home.
Company Response: Closed with explanation

Timely Response

2017-06-30

E Millstone, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-26

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In brief: (1) Dovenmuehle Mortgage, Inc. did not and does not credit my XX/XX/XXXX payment to my account. (2) Dovenmuehle Mortgage officially started servicing the mortgage on XXXX XXXX, 2017.The payment in the amount of $XXXX was made to the previous servicing company, XXXX XXXX XXXX, c/o XXXX XXXX. It was due on XX/XX/17, paid on XX/XX/17, cleared by my bank on XX/XX/17. This payment was properly credited to my account and later verified by the XXXX. In more detail: Until XX/XX/17, my mortgage was serviced by the XXXX XXXX XXXX, c/o XXXX XXXX. The servicing was transferred to Dovenmuehle Mortgage, Inc. effective XX/XX/17. I received a statement from them on XX/XX/17, before receiving any information about the loan servicing transfer, but such letters from the both companies did arrive later. The statement listed double of the amount due as being due on XXXX XXXX (the normal monthly amount due is $XXXX). I made a normal monthly payment to Dovenmuehle Mortgage by check for my XX/XX/XXXX payment, it was received by them on XX/XX/17 and credited as my XX/XX/XXXX payment, so they still list me as being one month behind in my mortgage payments. I have made a number of calls to Dovenmuehle Mortgage, from XX/XX/17 to this day (XX/XX/17). I have been made promises that they would investigate the matter, but no results followed, and no explanations were given. I also e-mailed confirmations of the XX/XX/XXXX payment from the XXXX website and from my bank, as requested by Dovenmuehle Mortgage, on XX/XX/17, but, once again, the matter has still not been resolved. In particular, I was informed by the previous mortgage servicing company that they overnighted confirmation of my account information to Dovenmuehle Mortgage on XX/XX/17. Apparently, this information has not been processed or taken into the account by Dovenmuehle Mortgage. Moreover, according to the XXXX representative, the payoff amount given by them to Dovenmuehle Mortgage accounted for the XX/XX/XXXX payment. XXXX sent me a copy of the information. But the statements and the online account info from Dovenmuehle Mortgage have apparently been using a different (and greater) amount for their starting of servicing the loan on XX/XX/17. They use $XXXX instead of the correct amount of $XXXX. The difference corresponds to the payment that has not been credited by Dovenmuehle Mortgage. The desired outcome of this case would be in crediting my XX/XX/XXXX payment, adjusting the principle of my mortgage, setting the next payment due date as XX/XX/XXXX (or as XX/XX/XXXX if the process is finished after I make my XX/XX/XXXX payment on XX/XX/17). Here is a partial list of the Dovenmuehle Mortgage representatives and supervisors that I have had talked to: XXXX XXXX XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX, ext.XXXX There were others before them, but I did not record this information during a number of my initial calls to Dovenmuehle Mortgage.
Company Response: Closed with explanation

Timely Response

2017-06-23

Arlington, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-22

Raymond, NH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.
Company Response: Closed with explanation

Timely Response

2017-06-18

Houston, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: In XXXX 2017 I was subject to debit card fraud. Someone or a group of someone 's took about 1200 dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of XXXX when I was able to borrow extra funds. I tried to make the payment online, but the next available date was XXXX XXXX in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of fraud.
Company Response: Closed with explanation

Timely Response

2017-06-16

Syringa, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-10

Key Biscayne, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks starting end of XXXX 2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in XXXX 2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.
Company Response: Closed with explanation

Timely Response

2017-06-10

Emigration Canyon, UT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-06

Boston, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response