Dovenmuehle Mortgage, Inc

2016-09-21

Hamilton, NJ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Clovis, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. I went on line to create an account and I can not access my account. What are my rights to pay the bill with something more official?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Lawncrest, PA

Settlement process and costs

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Bedford, NH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: While recently checking my credit report it is showing that I was late with my mortgage payments in the years XX/XX/XXXX and XX/XX/XXXX. I am disputing this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Providence, RI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Philadelphia, PA

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-04

Fairfield, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Naples, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Wallington, NJ

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Norwalk, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: To whom it may concern, The reason why im asking for your help is due to our harsdhip that lasted over 12 months, as of last year my husband was in the hospital for over 12 months due to a XXXX. Within that time i was making our mortgage payments even though my husband was not working. I called my mortgage company seeking help since i knew our situation will get worst, my mortgage company told me that they will not help me because i was current with the mortgage payments. So i tried numerous times trying to get a manager since every single person that i spoke to from the mortgage company will refuse to transfer my call to manager, i had no help from them at all. After a few months my situation got worst, my husband was still at the hospital, i ran out of money to keep up with the mortgage payment and my mortgage company never answer my request for help to modify my loan. Now as of this year that finally my husband is out of the hospital and back to work, i re submitted my loan modification application again. I was assigned a person by the name of XXXX XXXX p. XXXX ext XXXX who has been working with me sincec XXXX of this year. It is now 4 months going back and forth with XXXX asking for the same documents over and over again. Now i just found out that even though i been under review for a loan modification they filed a Notice of Trustee Sale for XXXX/XXXX/2016. i requested for her manager and she told me that the manager was out of the office on vacation and will not be back until XXXX. It seems like my mortgage company all they are trying to do is delay my application to take away my home, they lie about the status of my loan modification and now they refuse to help me with the loan modification review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Bloomington, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Have yet to receive a mortgage statement from our servicer Dovenmuehle. We received our very first statement when we purchased our home, and have paid. Since that first statement we have not received one, I have called a few times and have been told that it was mailed, twice now, I have yet to receive the mailed statement. I do not wish to be late on our payments. The reason we do not pay online is due to the fact myself and the co-owner like to write separate checks for the total monthly amount due.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Allenwood, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-16

Baltimore, MD

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

Houston, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' /and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Bywater, LA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Okc, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-31

Houston, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. HELP!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response