Dovenmuehle Mortgage, Inc
Consumer Complaints
There are over 829 complaints on file for Dovenmuehle Mortgage, Inc. Dated between 2019-12-12 and 2012-04-26.
Complaints Page 16
2017-06-02
Houston, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Earlier this year my mortgage company sent me a notice saying that they had under charged me last year ( 2016 ) for my escrow in the amount of {$2400.00}. So they gave me a 30 day notice saying that my mortgage was going to increase {$300.00} for 12 months until I paid the full amount of {$2400.00}. I called them last week to ask why I am responsible for that amount they said it was an oversight on their part. I told them I could not afford to pay that amount as it is more than what I make. They said they would reconsider lo wering the payment if I made a full payment of {$2400.00}. Needless to say I have have been struggling to maintain payments ever sense through no fault of my own and they have refused to assist due to their negligence and shoddy loan servicing practices
Company Response: Closed with explanation
2017-05-31
Hinkley, CA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!
Company Response: Closed with explanation
2017-05-30
Riverside, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-26
CT
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In XXXX of XXXX our garage was destroyed in a windstorm. The insurance company sent out an adjuster and we began the process of rebuilding our garage. In XXXX XXXX we were notified by Dovenmuehle Mortgage Inc. th at they would be our new mortgage servicer. The next time we received a che ck ( XXXX XXXX ) fro m our insurance company we conta cted DMI and were told that they needed to approve the proposal from our contractor. We explained that this part had already been done by our previous mortgage servicer and that the building was almost complete at this point. We were asked to provide the adjuster 's report, the estimate from the contractor and to send them the check for endorsement, which we did. Shortly after this we received the check back in the mail unsigned with a letter stating that we needed to endorse the check to them so that they could hold the money and dole it out in thirds as the work proceeds. We called to speak with our designated customer service representative, but she did not answer. We left several messages with no return call. Finally we spoke with someone else who said she was a supervisor, but indicated she had no authority to help us. Everyone else we spoke to would only read us something from their policies. They refused to give us the name or extension number of anyone of authority. We filed a complaint with our state banking department, the better business bureau and XXXX XXXX . We just received a letter that after four months of " reviewing our account, '' DMI has " located '' the insurance adjuster 's report and ordered an inspection. They are deliberately obstructing the completion of our garage and are not following the XXXX XXXX guidelines as required. Our state banking department indicated to us that CFPB is the regulator for Dovenmuehle. We hope that you will be able to require them to release the insurance proceeds to us.
Company Response: Closed with explanation
2017-05-21
San Diego, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Dovenmuehle Morgtage are ina ccurately reporting to my credit report. In XXXX XXXX XXXX XXXX appeared on my XXXX credit report, citing a mortgag e as 60-120 late for th e months of XXXX XXXX , XXXX through XXXX XXXX . I do not have a mortgage with XXXX XXXX , additionally I have received no correspondence from this company informing me of such. Shocked to see this I reached out to my mortgage lender XXXX XXXX XXXX XXXX to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered. Dovenmuehle are however the servicers for my mortgage with XXXX XXXX XXXX XXXX and while the representative informed me that Dovenmuehle also serviced mortgages for XXXX XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report. It should be noted that I am are currently disputing several months of mortgage payments made to Dovenmuehle that d o not appear to have been applied to my account for my mortgage with XXXX XXXX XXXX XXXX According to the most recent statement I received Dovenmuehle they state they have not received payments for XXXX XXXX through XXXX XXXX ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by Dovenmuehle. As of XXXX XXXX Dovenmuehle is still reporting XXXX XXXX ( an entity I have no relationship with ) to my XXXX credit report while they report XXXX XXXX XXXX to XXXX and XXXX ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this. I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.
Company Response: Closed with explanation
2017-05-18
Patterson, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX Loan # : XXXX Dear Dovenmuehle Mortgage In XX/XX/XXXX I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with XXXX XXXX ID # XXXX who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00}, XXXX . This is so unfair when I have been sending information since XX/XX/XXXX and never received a call back from this company. Please help me. XXXX
Company Response: Closed with explanation
2017-05-16
Fort Pierce, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage was transferred from XXXX XXXX XXXX . to Dovenmuehle Mor tgage XXXX Inc. on XXXX XXXX XXXX . My homeowners insurance compan y ( XXXX XXXX XXXX ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective XX/XX/XXXX . I had to find alternate homeowners insurance because XXXX XXXX XXXX would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and they have also issued invoices to Dovenmuehle si nce XXXX and to date Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since XXXX . I need assistance immediately!!!
Company Response: Closed with explanation
2017-05-16
Glen Burnie, MD
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-12
Patterson, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I was beyond on payments with Dovenmuehle Mortgages company back in XXXX . I was told to pay XXXX to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by XXXX , that I would be expecting a refunded of {$490.00}. I spoke with XXXX XXXX on several occasions about the money owed to me, which I am still owed {$140.00}.. XXXX told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now XXXX / XXXX / XXXX and I have yet to receive the money. Also, back in XXXX I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account.. I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed XXXX to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home. As of today I am owed a total of XXXX and I would like my money back. Thank you!
Company Response: Closed with explanation
2017-05-10
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage lender is XXXX XXXX XXXX also known as XXXX XXXX XXXX . My mortgage was initiated on XXXX XXXX XXXX and was originally serviced through Dovenmuehle Servicing t o who I had been making payments to through an online portal without issue. However in XXXX XXXX I was informed that the servicer of my loan had changed from Dovenmuehle Servicing to Dovenmuehle Mortgage ( re ferred to hereafter as Dovenmuehle ). In XXXX I logged in to the online portal to pay the mortgage only to find it was not accepting my login credentials. I called the servicing department and was informed that I would no longer be able to make payments through the online portal, this would need to be done with a cashiers check by mail or through XXXX XXXX , which would incur a cost to me. Worried that the payment would be late I was told that I could make XXXX and XXXX payment as XXXX cashiers check in the amount of {$6000.00}, which I did ( see Exhibit A ). As requested this was sent to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , IL XXXX . In XXXX I was notified by Dovenmuehle that XXXX payment had not been received. I called to confirm the mailing address and discovered that the cashiers check had in fact been received, but had not yet been applied to my account. I was told that the reason for this was due to the cashiers check being made payable to the wrong servicer, however it turned out this was not the case and upon confirmation this was my payment, I was told this would be applied to my account. Believing this issue had been resolved I made XXXX payment in the same manner. However in XXXX I was once again informed that XXXX payment had not been received. After calling the servicing department it became clear that there was an issue with the servicer applying payments to my account. After explaining that this was the same issue I had experienced the month prior, I was told this would be applied to my account. As I no longer had access to an online portal I was unable to confirm this myself, I was left to trust the word of Dovenmuehle customer service. In early XXXX I noticed negative reporting on my credit report ( XXXX & XXXX ) by XXXX XXXX XXXX , initiated I assume by Dovenmuehle. Shocked at seeing this it became clear that Dovenmuehle were not applying funds to my account. Later in XXXX I received a returned cashiers check for XXXX and XXXX payment ( {$6000.00} ) stating that this was being returned as the amount of the check was not enough to cover the outstanding balance ( See Exhibit B ). It should be noted the amount Dovenmuehle cites is different than the that stated in the returned check. Clearly this check was not in fact applied by Dovenmuehle in XXXX as I was explicitly told by their customer service representative. At this point I had not yet received returned checks for the months of XXXX and XXXX . As I understood it, Dovenmuehle were still holding these checks, but had not applied these to my account. This now meant that the subsequent monthly mortgage payments would not be applied due to an account being reported as in arrears with a requirement to put this current. Upon reviewing my credit reports I noticed that a mortgage lender by the name XXXX XXXX was being reported to my XXXX credit report with the same delinquent payment history as with XXXX XXXX XXXX and with the same address as XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , IL XXXX ( see Exhibit C ). I have never had a financial relationship with XXXX XXXX . Upon further investigation it turns out that XXXX XXXX is another client that is serviced by Dovenmuehle. I called Dovenmuehle to ascertain if our mortgage note had been purchased, but they refu sed to give me that information over the phone. I then called XXXX XXXX XXXX who confirmed they were still the holders of my mortgage note. To this day it is still unclear why XXXX XXXX appears on my credit report and Dovenmuehle h ave refused to provide and explanation. With Dovenmuehle refusing to answer questions about my account unless it was brought current, something I was unable to do as they were not applying any of the funds I sent, I reached out directly to XXXX XXXX XXXX . Upon recapping the history of events I was assigned a consumer advocate who was much friendlier and cooperative promising to resolve the issue. The advocate contacted Dovenmuehle and confirmed with them that they had indeed received the above referenced payments and was also informed these had been returned to me, although to this date I have only received XXXX check for the months of XXXX and XXXX ( see Exhibit B ). There was no explanation as to why payments were not being applied leaving me in no better position to correct the issue. I explained to the advocate that the payments I sent were, as requested by the servicer, in the form of cashiers checks. In order for me to reissue payment I would need to put a stop payment on these checks, which could take up to XXXX days before the funds could be made available to me again. However in the meantime with the account being reported in arrears any subsequent monthly payments could and would not be applied. Without the funds available to cover XXXX months and bring the account current I would need to wait until I either, received the returned checks from Dovernmuhle, or, the stop payments went through and I could reissue the funds. As an interim solution I proposed to XXXX XXXX XXXX that they put temporary paid markers in the XXXX months that Dovenmuehle had so failed to apply the payments to. This would allow me to continue to make and have applied my monthly mortgage payment for which XXXX XXXX XXXX agreed. Again as there is no online portal to view account statements I had no way of verifying this. However, later in XXXX I was supplied with a letter that confirmed the above situation ( see Exhibit D ). In XXXX I was alarmed to receive a call from someone identifying themselves as a consumer mortgage advocate notifying me that a notice of default was filed and my home was now in foreclosure proceedings. It was also in XXXX when we started to receive correspondence from the XXXX XXXX XXXX stating they were representing XXXX XXXX XXXX in the collection of the past due balance associated with our account. I had title pulled for my home showing that XXXX XXXX XXXX had substituted the XXXX XXXX XXXX in as trustee. Then on an additional recorded document it noted that the XXXX XXXX XXXX was the entity for which future payments needed to be made to in order to bring the account current ( see Exhibi t E ). In the meantime I was still receiving correspondence from Dovenmuehle to collect mortgage payments and charging me late fees. On the advice of XXXX XXXX XXXX I had continued to pay my monthly mortgage to Dovenmuehle by cashiers check. With no way of checking online I called the XXXX XXXX XXXX advocate to confirm these payments were being received and applied to my account, which I was told they were. However each month I continue to receive correspondence from Dovenmuehle stating not only are they the servicer of my loan, but that my account past due balance continues to grow. Surprisingly in these statements Dovenmuehle are requesting payments to be sent to a PO BOX in XXXX , which is different from the original XXXX XXXX address listed in the servicer 's request and the letter attempting to collect the debt ( see Exhibit B ). Notably these statements do not reflect any of the temporary paid markers that XXXX XXXX XXXX had agreed to apply, nor any of the payments that I had continued to m ake ( s ee Exhibit F ). At this point I felt utterly lost and abandoned by both my mortgage lender and mortgage servicer. Not only were Dovenmuehle not applying the cashiers checks I sent to my account, but I am yet to receive all the checks they state they have returned leaving me out of pockets many thousands of dollars. I am being told my mortgage is in default, my home is in foreclosure. I am still not sure who the servicer of my loan is with Dovenmuehle giving conflicting payment addresses and I continue to receive correspondence from the XXXX XXXX XXXX stating they are now the ones collecting on the mortgage. To make matters even more confusing I recently received on XXXX XXXX , a letter from Dovenmuehle stating that as of XXXX XXXX they are no longer going to be responsible for servicing my mortgage. The new mortgage servicer would be XXXX XXXX XXXX and I am to contact them for further information ( see Exhibit G ). However at this point Dovenmuehle are reporting the account over {$28000.00} in arrears and still have possession of multiple cashiers checks. In summary, since the change in servicer, my account appears to have been grossly mis-managed resulting in a chain reaction of events with dire consequences. It is clear that the checks being received by the servicer, however not only are they not being applied to my account but these are being held by the servicer leaving me out of pocket. With each month that the servicer fails to apply funds against my mortgage the balance has grown, a paradoxical situation where I can not win? The result is the servicer reporting the account as delinquent and taking further steps to file notices of default and initiate foreclosure proceedings. The servicer also appears to have at some point mixed up my account and perhaps even linked it to a different lender in XXXX XXXX , who I have never had any contact with but now appears on my credit as a delinquent account. In order to work to resolve the erroneous credit reporting I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this. As a consequence of notice of default and foreclosure filings I am being contacted daily, by phone, email and mail by individuals and companies offering services to help me avoid foreclosure. Additionally m y Solar pane l provider, XXXX , sent me a letter explaining they had been informed by the XXXX XXXX XXXX that the home was in foreclosure. Under the terms and conditions of the Solar contract, XXXX can come to the home and remove these panels believing their assets are at risk. They have also suggested that they would pursue legal action against me to protect their assets. This is all very distressing indeed with me needing to take time off work to try to resolve this and it is starting to take a toll on my health leaving me very XXXX . I have had to seek medical intervention and XXXX as I struggle to come to terms with the situation. Despite spending many hours trying to resolve this with all the parties involved, I fear this has gotten out of control and I am requesting that the CFPB investigate this matter and Dovenmuehles servicing practices as a whole.
Company Response: Closed with explanation
2017-05-09
E Millstone, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is in response to the letter received from Dovenmuehle Mortgage, Servicer for XXXX XXXX XXXX . Note : XXXX XXXX XXXX has assigned the mortgage to Dovenmuehle Mortgage. The issue is not resolved Response from Company : Dear XXXX XXXX , This letter is in response to your Consumer Financial Protection Bureau ( C.F.P.B. ) complaint submitted on XX/XX/XXXX regarding the above-mentioned property. Our records reflect that the loan was referred to our local attorney on XX/XX/XXXX , in order to initiate foreclosure proceedings. Please contact the following law firm for further information regarding this loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX - XXXX XXXX Pursuant to your inquiry regarding the application of your payments, please refer to our responses to your previous C.F.P.B complaints, Nos. XXXX , XXXX , XXXX , XXXX , and XXXX . Additionally, please refer to our response dated XX/XX/XXXX . Copies of the above responses are enclosed for your reference. We are cancelling check XXXX and will reissue the check made out to your name. The new check will be sent under separate cover, and we apologize for any inconvenience this may have caused. A copy of the reinstatement letter that was sent on or about XX/XX/XXXX is also enclosed for your reference. If you have any questions or require additional information regarding this loan, please do not hesitate to contact us at XXXX . We are sending the borrower the newly re-issued check made out to her name alone. We have also provided the borrower with all of our prior substantive responses to her concerns as well as a current reinstatement quote.
My Response : I requested a loan modification from XXXX XXXX XXXX . The loan was assigned to XXXX XXXX XXXX who then assign it to Dovenmuehle Mortgage. When I did n't agree to the terms of the Loan Modification as retaliation, the mortgage was put into foreclosure. I made several attempts by writing letters and making phone calls to Dovenmuehle Mortgage , Research Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILL, XXXX requesting the full amount to cure the defaults. I was referred back to XXXX XXXX XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX . I received a response in a letter dated XX/XX/XXXX ; XX/XX/XXXX from the research dept that they were maintaining every effort to provide a response to my inquiry in a timely manner. I wrote letters and filed complaints to your office, complaint number is : # XXXX and XXXX XXXX XXXX XXXX . answered the complaint but never addressed my issue. XXXX XXXX never sent me a reinstatement quote to cure the default. Instead, I received foreclosure documents from XXXX XXXX XXXX of who represented the company. I was forced to hire an attorney, causing me financial loss. Even after hiring the attorney, XXXX XXXX went into court and presented incorrect documentation showing that no payments were made and that I have not made any attempts to cure the default and obtained a judgment even though I submitted documentations showing payments that were never credited to my account to both Dovenmuehle Mortgage , Research Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILL, XXXX . In XX/XX/XXXX , XXXX XXXX went to court and obtain a default judgment without notifying my attorney I have received several notices from Dovenmuehle Mortgage, Servicer for XXXX XXXX XXXX that it 's an attempt to collect a debt and that they would return my funds since it was insufficient and that they were continuing with their foreclosure process. The funds were never returned ( XX/XX/XXXX , XX/XX/XXXX ; ).
I filed several complaints with your division which was closed because the company responded and I was never given the opportunity to respond to their response. I feel this is unfair since their response sugar coat the facts and the issue still went on. XXXX XXXX Case Escalation Analyst Research Dept, XXXX XXXX responded on XX/XX/XXXX but the money was never refunded XXXX XXXX Executive Secretary responded on XX/XX/XXXX , XXXX XXXX XXXX that they received the trials payments of {$620.00} on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX . This information was incorrect. The bank statement showed that these payments were cashed on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX for a total of {$2500.00}. I then paid of {$9600.00} on XX/XX/XXXX ; {$700.00} on XX/XX/XXXX & {$700.00} on XX/XX/XXXX for a total of {$11000.00} which was placed in a suspense account. This is in the Activity statement received on XX/XX/XXXX . Out of this amount I received {$700.00}. Dovenmuehle Mortgage, Service. for XXXX XXXX XXXX kept {$10000.00}. Dovenmuehle Mortgage Servicer for XXXX XXXX XXXX knew that they had {$12000.00} which they held in a suspense account. How can they get away with murder? I kept writing letter and was finally returned the {$9600.00} which was held from XX/XX/XXXX until XX/XX/XXXX without interest. This is a sin and shameful. In an effort to harass and intimidate me, XXXX XXXX , Loss Mitigation Specialist in the Loan Modification dept from Dovenmuehle Mortgage, Manual Disbursement Clearing Account sent me a check # XXXX da ted XX/XX/XXXX , sol ely made out to the estate of XXXX XXXX for {$9600.00} without interest. XXXX XXXX died XX/XX/XXXX and his estate was dissolved.
In a letter dated XX/XX/XXXX without a written date to cure the default, the reinstatement amount was {$18000.00}. I question the attorney fees and XXXX XXXX stop communicating with my attorney. I kept writing letters to my attorney who kept contacting XXXX XXXX and she refused to respond in an effort to keep building up their fees. My attorney sent demand letters and emails to XXXX and XXXX XXXX @ XXXX and they went unheeded. He sent them letters regarding Error of Notice and Violation of Regulation X of the Consumer Law and it still went unnoticed until he threaten to take her to court. This is terrible. Why do you have laws that you can not enforce. According to XXXX XXXX the attorney fees are reasonable. What does the law considers reasonable. Dovenmuehle Mortgage, Servicer for XXXX XXXX XXXX raised their attorney fees from {$3300.00} ( XX/XX/XXXX ) to {$10000.00} then finally to {$10.00}, XXXX while I 'm trying to cure the default. They made it almost impossible to cure the default. I lost time from work on XX/XX/XXXX and went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX . Even there I was given the run-a-round. No one knew what was going on. They kept contacting the Dovenmuehle Mortgage claiming that I need to send the money to them. I was so frustrated that the person who went with me started to raise his voice. We even had my attorney 's office on the phone. All we wanted to do was cure the default. Can you imagine this? Well after waiting for one ( 1 hr ) hour, a female claiming to be XXXX XXXX XXXX ., came out took the cashier 's check and signed it. The money was cashed by Dovenmuehle Mortgage on XX/XX/XXXX The order to stop the foreclosure was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX . It was not done until XX/XX/XXXX . Even after that I was told I still owed XX/XX/XXXX mortgage payment. After going from customer service to Loss Mitigation to the Foreclosure Dept, the payment was taken. I called again on XX/XX/XXXX and was told that I still owe attorney fee for over {$2000.00}. Can you believe this. I requested account statements and payoff and I still have not received it. These documents take 7-10 days it now over 2 weeks. In addition, My mortgage payment is {$700.00}. XXXX XXXX XXXX charges me {$700.00}. This is an overcharge. That is XXXX XXXX XXXX charges me for tax XXXX cents each month. That is XXXX cents each month plus interest of 6 % when late for the last 14 years. In addition, I 'm exempt from taxes and claim that the city charge them. Here 's proof. I paid my own insurance and it has been deducted from my bank account. XXXX XXXX XXXX tries to change that and create an escrow account. See the paperwork that was sent to your office. If you do n't have, I will be glad to furnish it. In a previous complaint, their attorney claim that they do not have an escrow. The XX/XX/XXXX statement shows no payments were ever made. However, after over 20 months, a check for {$9600.00} was sent back to the Estate of XXXX and the remaining money is still outstanding and I am still waiting for the requested statement and payoff quote. How can Dovenmuehle Mortgage, Servicer for XXXX XXXX XXXX claim that the attorney fees are reasonable when Dovenmuehle Mortgage blatantly prevented me from curing the outstanding balance since XX/XX/XXXX because I would not take the Loan Modification. XXXX XXXX XXXX took the money according to the XX/XX/XXXX statement 's outstanding balance and held the money for without notifying me it was not enough to cure the default and then wrongfully file for Foreclosure. How can anyone in their right mi nd said that the attorney fees are reasonable? Please let me know.
Company Response: Closed with explanation
2017-05-07
Greenwood, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.
Company Response: Closed with explanation
2017-05-05
FL
Trouble during payment process
Mortgage: VA mortgage
Complaint: Please read the attached documents outlining my concerns and response to Dovenmuehuel Mortgage. I have been put 30 days past due in all XXXX -credit bureaus and XXXX for a problem the XXXX XXXX XXXX XXXX has owned up to and provided me with a letter to submit to Dovenmuehuel. Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake. I am in desperate need of assistance here. Thanks to XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around. Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens. Sincerely, XXXX XXXX XXXX , XXXX .
Company Response: Closed with explanation
2017-05-05
Carmel, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Situation Outline : I n 2016 we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor. No doubt you are aware of the mold problems California has, this was further complicated by of partners XXXX XXXX We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy. The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque. Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company. We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs. The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home. We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with. We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month. We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.
Company Response: Closed with explanation
2017-04-28
UT
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I am submitting a new complaint in response to our lender 's response to our initial complaint. Initial complaint number is XXXX . We have received very little correspondence or information from the lender until we got CFPB involved. The lender responded to our initial complaint on XXXX / XXXX / XXXX and finally sent a letter to us explaining what had been happening. However, they have some facts incorrect. They state that we did not contact them regarding our initial denial from XXXX / XXXX / XXXX . This is wrong. I emailed our so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX with additional information regarding my husband 's new employment, the lease for his apartment ( as he had to live in another city for the job and affected our disposable income ), and requested an appeal on the initial denial at that time. I have attached screenshots of the " Sent '' emails through their secured email application. Messages for the application are only kep for 90 days, but I was able to capture the screenshots to prove I had sent over additional information. I did contact them on XXXX / XXXX / XXXX regarding the appeal because I had not heard anything from them. I was not transferred ( note : I did not " decline '' as stated in the lender 's letter ) to the XXXX at that time because I was told he was not available ( even though I had been placed on hold for quite some time while the person answering the call tried to find him ). I was also told by this representative ( a lady ) that I would need to talk to a guy named XXXX , who also was n't available. I asked her what other options we had and she told me flat out that there was nothing they could do for us and we should consider selling the home. I was crying and hung up due to utter frustration. The so-called denial letter, dated XXXX / XXXX / XXXX , which was included in the XXXX correspondence, was never received previously. Because I felt I was getting the run around, I contacted a third party agency who can also vouch for me that it was extremely difficult for even him to contact anyone at the lender ( namely XXXX and XXXX ). The third party rep and myself made several conference calls, after XXXX XXXX , in attempts to reach one of these individuals. We were finally successful in reaching XXXX , but he sounded very shaken and uncertain about the situation, as if he did n't want to speak with us, but did tell us we would need to speak with XXXX . We tried another day to reach XXXX , per the phone number XXXX had provided, and when XXXX answered, the first words out of his mouth were " How did you get this number? ". He was also very reluctant to speak with us, but that conversation is when he mentioned the investor would never approve a modification even though h e ( XXXX ) believed we had a solid case for a HAMP/HARP modification and should be approved. It was at this point that the third party agency began advising me to hire their firm to assist us in getting the loan modification approved. We have not moved forward with any outside assistance at this time as we are reluctant to use any outside services and create bigger problems for ourselves. As of this date, I have provided XXXX , from the lender, our XXXX and XXXX tax returns, as well as business bank statements. Please see proof in attachments. I just received their letter, dated XXXX / XXXX / XXXX , today, in response to our initial complaint referenced above. I am submitting this second complaint to show the lender we will not easily back down, nor be intimidated by them. We will not go away and let our house be foreclosed. At this point, we still do not believe the lender or investors have our best interests in mind and are not confident we will receive our modification without the assistance from governing entities to which they must be held accountable. We have, and continue to have, a legitimate financial hardship, every intention to keep our home, and believe the fair, right and ethical thing for the lender and investor to do is to modify our loan so we can keep our home. I have been more than compliant with their requests for information and documentation throughout this whole process and will continue to be until we are approved.
Company Response: Closed with explanation
2017-04-26
Cheverly, MD
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I purchased the Condominium on XXXX XXXX , XXXX with a CDA 30 year fixed mortgage loan from XXXX XXXX Bank. My mortgage was a little over XXXX each month. Soon after ( a few months ), XXXX XXXX sold the servicing of my loan over to XXXX , XXXX XXXX raised my monthly mortgage payments to XXXX , and later to XXXX each month. My financial struggles began there, but I managed the payments for years. I tried to modify this loan on four occasions with qualifying hardships ; however, XXXX XXXX XXXX denied every request. I tried to short sale the property in XXXX as a last result, but I continued to make mortgage payments. I then received a letter from XXXX , XXXX citing that I had managed to become only two months delinquent ; therefore, I no longer qualified for the short sale. I struggled financially staying a month or two late on payments for another XXXX XXXX years. I requested another modification due to financial hardship, and again was denied. In XXXX , XXXX , XXXX offered me access to the XXXX program. I was injured in a car accident, that caused me to to lose my teaching contract renewal, due to two months of necessary medical absences from injuries sustained from the accident. The XXXX program paid a portion of my mortgage while I was unemployed ( I only utilized one of the five years, as I was quickly employed XXXX in another county in XXXX ). The XXXX program ended immediately once employed, and I continued to struggle making payments due to the excessive amount of bills over that one year of unemployment. The stipulations were that I live in the property for 5 years ( a portion was forgiven each year ) , but I could not be one day late on a payment within those 5 years, or the mortgage automatically defaulted. I applied for a modification and was again denied ; then applied for the short sale again in XXXX , and was approved ( this time, I did NOT continue to make payments ). My realtor at XXXX XXXX XXXX secured a buyer for my property. Without warning, I received notice from XXXX , XXXX that while in the middle of my short sale process, XXXX had sold the servicing of my mortgage loan over to Dovenmuele , In c. My realtor started the short sale process over with the submission of all documents to Dovenmuele , Inc. and we were again approved, since a modification was no longer an option. XXXX XXXX XXXX again secured a buyer, this time from an investor who would pay cash for the listed XXXX property. Dovenmuele, did an independent appraisal, through which my realtor launched a failed appeal attempt, since the appraised was an inflated price. Dovenmuele then required that my 'cash ' buyer increase their offer to meet a mandatory set 90 % of this new appraisal value of XXXX . My buyer countered with XXXX as a final offer. Dovenmuele rejected the counter offer ( a difference of XXXX from a cash investor ) , and has notified me that I must apply for a Deed in lieu of foreclosure, and that I now must pay XXXX to satisfy a lien on my property from the XXXX program that was not an issue, had I completed the short sale that they had just rejected. I only utilized one of the five years of assistance from XXXX , yet, they are requiring that I pay the ful l fi ve years ( completely illegal ). Dovemuele has refused to modify my loan, refused to allow me to short sale my property, refused me to surrender my property through a Deed in lieu of foreclosure, and refused to offer relocation assistance, citing that since the insurer of my loan is CDA ( it is not XXXX XXXX or XXXX XXXX backed ), it does not participate in ANYTHING. I have tried everything at first to save my home ; and now, Dovenmuele is making it impossible for me to get rid of my property, with the least amount of damage to my credit history. When I purchased my home under this CDA loan, {$5000.00} was made available to me to assist with closing costs. This sum was supposed to be forgiven, as promised during my XXXX certification classes in XXXX XXXX County. Nothing was forgiven, and I had to sign a promissory note to repay the {$5000.00} once I no longer occupy the unit. Please assist!
Company Response: Closed with explanation
2017-04-26
Colo Spgs, CO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I had a casualty experienced on my condo. I recieved money for repairs from my insurance company and procedures on how to have check endorsed by the mortgage company since both of us were on the check. Th casualty occured XXXX / XXXX / XXXX . My initial check recieved from insurance was on XXXX / XXXX / XXXX . I sent the check to be endorsed by my mortgage company after several phone calls to their loss draft department for endorsement procedures. They were supposed to endorse the check and send it back to me. I sent the check on XXXX / XXXX / XXXX to the mortgage company. They recieved the check, and decided they were not following the correct procedures and decided to send the check back to me since they now said they would have to monitor claim since it was over {$5000.00}. None of this information was revealed to me via previous phone calls with them. I received the check back endorsed it and mailed it to them on XXXX / XXXX / XXXX . They received the check on XXXX . They then said they still needed to review the claim. At this point work by my contractor was being completed and he needed payment and I had to buy materials. After review and several phone calls the loss draft department said the disbursed funds on XXXX / XXXX / XXXX and that it might take my bank XXXX XXXX up to 72 hours to release funds once they are received. I called XXXX XXXX today XXXX / XXXX / XXXX and they have not received an ach transfer and they do not hold the funds. I have called the mortgage company several times without return phone calls and empty promises and still no funds. They are holding our monies for repairs and creating a hardship to pay my contractor for work performed. They need to be in violation of some sort. The original benefit from my insurance company was supposed to be under {$10000.00} and I was told to file the under {$10000.00} loss draft procedures
Company Response: Closed with explanation
2017-04-25
Arsenal, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-04-21
District Heights, MD
Other
Mortgage: Other mortgage
Company Response: Closed with explanation
2017-04-21
Smyrna, SC
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: My wife and I have XXXX mortgages on rental townhouses both initiated at the same time ( on or about X/X/2016 ) with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX , NC XXXX ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts. However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem! This is in violation 12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.
Company Response: Closed with explanation
2017-04-19
NH
Loan modification,collection,foreclosure
Mortgage: Conventional adjustable mortgage (ARM)
Company Response: Closed with explanation
2017-04-10
Lincoln, NE
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-04-10
San Antonio, TX
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.
Company Response: Closed with explanation
2017-04-07
TX
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.
Company Response: Closed with explanation
2017-04-07
Moreno Valley, CA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation