| 11/15/2021 |
Yes |
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- Trouble during payment process
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Web |
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I am writing this letter to file an official complaint against my Mortgage Company, Dovenmuehle. In the last week of XX/XX/XXXX, I contacted Dovenmuehle, D.B.A. XX/XX/XXXX, to request a COVID19 Forbearance under the Cares Act. The agent I spoke to explained that I qualified for the COVID19 Forbearance and advised that she submit my COVID19 Forbearance request. I never received confirmation from XX/XX/XXXX that my request was approved. I called the Loss Mitigation Department and confirmed the COVID19 Forbearance had begun effective XX/XX/XXXX. However, it was after the XXXX payment due date, and I'd already made my XXXX payment, so my first payment missed under the COVID19 Forbearance was in XX/XX/XXXX.
On XX/XX/XXXX, I contacted XXXX XXXX. I spoke to XXXX in loss mitigation. XXXX advised me that my COVID19 Forbearance had been extended until XX/XX/XXXX, an extra two months and that I would resume making payments in XX/XX/XXXX, or I could request an extension. XXXX further explained that once I resumed making monthly mortgage payments, the amounts I accrued during the COVID19 Forbearance would be added to the back of my loan without penalty or interest.
On XX/XX/XXXX, I contacted XXXX XXXXk to confirm my understanding of the conversation I'd had with XXXX on XX/XX/XXXX. I spoke to XXXX in loss mitigation. XXXX confirmed my understanding was correct in that because My loan is an F.H.A. mortgage, any amounts owed/accrued during the time I was on the COVID19 Forbearance would be added to the back of my loan. XXXX further explained that no further action was needed from me ; I was to resume making payments in XX/XX/XXXX or request an extension under the COVID19 Cares Act Guidelines.
The next time I contacted XXXX XXXX, was also the latter part of XX/XX/XXXX. I'd received a letter that stated that due to an escrow shortage, XXXX XXXX had conducted an escrow analysis on XX/XX/XXXX. As a result of the escrow shortage, my payment would increase from {$1300.00} to {$1800.00} starting XX/XX/XXXX.
On XX/XX/XXXX, I resumed making my payments to XXXX XXXX. The agent who took my XXXX mortgage payment informed me that she would submit a request for the Partial Claim Option for repayment under the Cares Act. I would receive paperwork to return to XXXX XXXX that I would need to sign, notarize and return. The agent further explained that XXXX XXXX would submit a partial claim request to H.U.D. on my behalf to cover the months that I'd taken the COVID19 Forbearance once I completed documents and returned them to XXXX XXXX.
A few days later, I received written correspondence from Dovenmuehle, D.B.A. XXXX XXXX, that stated the following - see attached letter dated XX/XX/XXXX. " You have successfully completed the forbearance plan. At this point, we need to evaluate the best way to establish an affordable payment and bring your loan current. Please complete all pages of the attached Assistance Options Application and return with copies of the documents listed. Since the delinquency on your loan was related to a National Emergency or Disaster Declaration, you will not be required to provide documentation related to the hardship that led to default. It is important that you address this matter promptly. Failure to reply with the appropriate document within 15 days could lead to further collection activity, including foreclosure. '' Per the Mortgagee Letter ( XXXX ) from H.U.D. - see attached, the mortgage must offer a Borrower a COVID-19 Forbearance who is experiencing a financial hardship negatively impacting their ability to make on-time mortgage payments due to COVID-19 and makes a request for a COVID19-Forbearance. The letter further explains that all FHA-insured borrowers are eligible for the COVID-19 Forbearance, regardless of the delinquency status of the mortgage. In addition, the letter further outlines the COVID-19 Home Retention Options for reinstating the Mortgage for Borrowers who are able to resume monthly or modified mortgage payments. The letter also states that eligible borrowers may receive more than one COVID-19 Home Retention Offer and the Partial. The letter provides the following information regarding repayment : The Servicer must evaluate the borrower for the COVID-19 Home Retention Options in the following order : OWNER-OCCUPANT BORROWERS COVID-19 Advance Loan Modification ( must be reviewed no later than XX/XX/XXXX ) A COVID-19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact.
COVID-19 Standalone Partial Claim A Partial Claim is a no-interest subordinate lien secured by the property, which is used to pay the balance owed for the suspended mortgage payments. No payments are due on the COVID-19 Standalone Partial Claim until the payoff, maturity, or acceleration of the FHA-insured mortgage , including the sale of the property, a refinance, or the termination of F.H.A. insurance on the mortgage.
COVID-19 Owner-Occupant Loan Modification A COVID-19 Owner-Occupant Loan Modification may be used to modify the rate and term of the mortgage.
COVID-19 Combination Partial Claim and Loan Modification ( Non-FHA-HAMP ) Mortgages that can not be reinstated by a COVID-19 Standalone Partial Claim or COVID-19 Owner-Occupant Loan Modification may be able to be reinstated through the COVID-19 Combination Partial Claim and Loan Modification option.
COVID-19 FHA Home Affordable Modification Program ( FHA-HAMP ) Combination Loan Modification and Partial Claim with Reduced Documentation Borrowers may provide income documentation to be reviewed for an affordable monthly payment under a COVID-19 FHA-HAMP Combination Loan Modification and Partial Claim with Reduced Documentation, which may include a principal deferment.
The letter I received from Dovenmuehle dated XX/XX/XXXX did not offer any of the options outlined in the Mortgagee Letter ( XXXX ) from H.U.D. In addition, I'd already submitted my request for the partial claim option with XXXX, the loss mitigation rep I talked to in XXXX. I waited approximately four weeks to receive the partial claim documents, at which time I called XXXX XXXX and spoke to their loss mitigation team to advise them that I had not received the partial claim paperwork. I explained to them that instead of receiving partial claim documents, I received documents that indicated I was getting a partial claim and loan modification together instead of the partial claim-only option that I'd requested. Each time I received the loan modification package, I contacted the loss mitigation team to find out why I continued to receive the loan modification package.
Here are the details of the multiple calls I've made to XXXX XXXX regarding this issue : XX/XX/XXXX ( XXXX XXXX ), I spoke to XXXX in Loss Mitigation. XXXX advised that the partial claim amount was {$14000.00}. She further advised that I qualified for the outstanding balance to be deferred to the end of my loan. She further explained that I would receive the partial claim paperwork to sign, notarize and return to XXXX XXXX.
XX/XX/XXXX, I called again because I received had received ANOTHER set of loan modification documents. XXXX confirmed that the partial claim request had been submitted on XX/XX/XXXX but not processed. She explained that the delay was due to the company receiving so many partial claim requests. XXXX advised me to ignore the loan modification package and that H.U.D. would pay the amount to XXXX XXXX on my behalf until I sell or refinance my home. XXXX also advised that she had re-coded my account for a partial claim because my account had not been coded correctly. XXXX advised me to wait another 4-6 weeks for the partial claim paperwork due to corrections to the code that she'd just made on my account.
XX/XX/XXXX I spoke to XXXX in Loss Mitigation, and I advised the agent that I hadn't received the partial claim paperwork. XXXX confirmed the date of my partial claim request on XX/XX/XXXX and XX/XX/XXXX. XXXX advised me that she would send a follow-up request to her supervisor regarding my partial claim request and to inform the supervisor that I had not received the partial claim paperwork and that I'd receive a callback within 24-48 hours.
XX/XX/XXXX, I spoke to XXXX is loss mitigation. XXXX advised me that my loan was in the rears when I started the COVID19 Forbearance and that any amounts in the rears before I started the COVID19 Forbearance would not be included in the partial claim amount. I advised XXXX that my account had not been in the rears when I began the COVID19 Forbearance and that the information was incorrect. XXXX put me on hold for approximately 10 minutes, then advised me that I would need to speak to customer service because my payments were not posted to my account correctly. In customer service, I talked to XXXX. XXXX confirmed what I already knew, and she confirmed my account was current, and I had XXXX past-due. XXXX further explained that loss mitigation, for some reason, showed me past-due and bankruptcy shows me as current. XXXX advised me to speak with bankruptcy because she couldn't help me. XXXX transferred me to bankruptcy, and I talked with XXXX. XXXX advised me that I needed to go back to loss mitigation ( where I'd started ). XXXX transferred me BACK to loss mitigation, and XXXX picked up. XXXX advised me that I needed to complete the loss mitigation paperwork if I wanted a modification to reduce my interest rate or opt for the partial claim-only option ( As if I had not already requested the option ). Today, my call was to find out why I had not received the partial claim documents- to which I never received an answer. XXXX also stated that she would notify the specialist and that I'd receive a callback within 24-48 hours.
XX/XX/XXXX, Still no receipt of paperwork, so I called loss mitigation again, and I talked with XXXX. I advised XXXX that I had not received the partial claim documents but only the loan modification documents. As the others had, XXXX instructed me not to complete any paperwork because she would submit ANOTHER partial claim request, and the partial claim documents that I needed to sign and notarize would be mailed out to me. XXXX also explained that IF I had returned the loan modification documents to XXXX, my partial claim request would be automatically denied because I could only have one option to repay the payments I missed during the COVID19 Forbearance. XXXX also stated that she would notify the specialist and that I'd receive a callback within 24-48 hours.
XX/XX/XXXX, I'd contacted XXXX XXXX once again because I had not received the partial claim documents. The agent I spoke to advised that a specialist, XXXX, would review my account and requested that I send XXXX a fax and/or email explaining my issues and that I'd receive a callback within 24-48 hours.
XX/XX/XXXX, I called the bankruptcy department to confirm that XXXX had received my email/fax explaining the issues with my account. XXXX also advised that there were no updates, as of yet, from XXXX and that my email/fax had been received. XXXX also informed me that my account had been removed from loss mitigation and that I needed to speak with them regarding removing my account from their team. She transferred me to XXXX 's voicemail - I left a message. I called back to talk with someone from loss mitigation. I spoke to XXXX. XXXX advised me that I needed to speak with bankruptcy - even after I explained that I had already talked to XXXX in bankruptcy earlier that day. Somehow the call was disconnected, so I called back AGAIN. This time I spoke with XXXX in loss mitigation. I explained the situation, and XXXX advised me that I would need to complete the loan modification package because my account was delinquent before I started the COVID19 Forbearance. I explained to XXXX that my account had NOT been delinquent before I took the COVID19 Forbearance. XXXX asked me when I began the COVID19 Forbearance, and I advised her I'd started in XXXX and further explained that I was not aware that it was approved until after I'd already made my XXXX payment. XXXX put me on hold and committed to " getting to the bottom '' of the issue. XXXX came back to the line and stated that XXXX confirmed the account was delinquent before taking the COVID19 Forbearance. I asked if I could speak with XXXX, and XXXX advised me that he could not talk with me because they had over a million customers waiting to be served. I then asked XXXX if XXXX could provide the dates my account showed as delinquent since he was looking at it. I could provide proof of payment because I have not missed ANY payments outside of the COVID19 Forbearance and my Chapter XXXX Bankruptcy filing in XX/XX/XXXX. XXXX stated that she would mail me a loss mitigation application to be considered for the partial claim option.
I spoke to XXXX the next time I called XXXX XX/XX/XXXX ( not sure of the date ). I asked XXXX if any specialists or supervisors had made updates to my account. XXXX did not have any updates to report. I explained the entire situation to XXXX, and he suggested that I email/fax XXXX in loss mitigation again. XXXX reviewed my account thoroughly, it seemed. XXXX attempted to explain what he felt had happened, which was as follows : XXXX rattled something about ledger dates and contractual dates not matching. XXXX then transferred me to XXXX, another agent in lost mitigation. XXXX explained that XXXX had filed a motion on XX/XX/XXXX. XXXX further explained that she could not see the details of the motion. I explained the entire situation, and she engaged XXXX, her supervisor, who told her that she would go directly to the specialist ( Mr. XXXX, I believe ) to request approval for the partial claim request. XXXX advised that she would call me back in 24-48 hours with an update.
XX/XX/XXXX, I spoke with XXXX in loss mitigation. I asked for a status on the partial claim request that supervisor XXXX had committed to requesting directly from the specialist. XXXX asked if I'd received a callback- I advised her that I had not. XXXX messaged her supervisor XXXX. XXXX was unavailable to speak with me but committed to calling me back once someone named XXXX. According to XXXX, XXXX was a team lead and was scheduled to start work at XXXX XXXX. XXXX also advised that XXXX XXXX was not in when I asked if he could speak with me. XXXX advised me that XXXX would take the call, but I was transferred to XXXX, who says she was a supervisor. XXXX committed to speaking with the underwriter and committed to calling me back on Thursday or Friday.
XX/XX/XXXX, At this time, I still have not received a return call from anyone from XXXX. I called XXXX XXXX once again and spoke with XXXX in loss mitigation. I advised XXXX that I still had not received the partial claim documents. XXXX informed me that my partial claim was approved on XX/XX/XXXX and that I would receive the documents to sign and notarize in 4-6 These same issues have continued through today. I've talked to agents from loss mitigation on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I finally got tired of calling and calling, so I emailed and faxed " Qualified Written Requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My attorney and XXXX XXXX XXXX attorney had a hearing with my bankruptcy trustee in XXXX, at which time the trustee approved the partial claim option. I did not receive the actual partial claims documents to sign and notarize until the latter part of XXXX from my attorney via email, which I promptly returned to XXXX XXXX The partial claim documents instructed that I return them 30-days from the date of the letter, at which time had already passed. I contacted XXXX XXXX and my attorney because the due date had long expired, and loss mitigation advised me to sign, notarize and return the documents anyway, and they'd make an exception. I explained that the partial claim amount was incorrect. I mailed the signed, notarized documents back to XXXX XXXX on XX/XX/XXXX, which again was done per the direction of XXXX XXXX XXXX loss mitigation team, who assured me they were aware of the issue with the calculations and advised me everything would be corrected once the partial claim documents were received.
XXXX XXXX did not confirm receipt of the documents until almost a month later, on or around XX/XX/XXXX. I've spoken to several loss mitigation reps, and I've gotten so many discrepancies in the information I've received from XXXX XXXX that I don't know what is correct or incorrect. One agent told me the loss mitigation paperwork is with D.L.S., an outside company that XXXX XXXX pays to conduct COVID19 partial claim calculations.
XXXX Bank informed me today ( XXXX/XXXX/XXXX ) that my account is no longer in loss mitigation because I did not agree to the terms of the partial claim calculations, which were incorrect. I explained that I'd returned the signed, notarized documents as directed by XXXX mitigation. The partial claim amount is double the amount that I should have to pay back for the time I was on the COVID19 Forbearance. I was on the XXXX Forbearance plan for a total of 8 months ( from XX/XX/XXXX through XX/XX/XXXX ), excluding the payment I made in XXXX, before receiving notification from XXXX that my COVID19 Forbearance was approved. I don't know what else to do. I've tried my best to work with XXXX/Dovenmuehle to resolve this issue, and it's just not happening. They've committed that the specialist would return my calls, and they never do.
The first response I received from XXXX XXXX regarding my request for an explanation of the COVID19 partial claim calculations/loan modification was received on XX/XX/XXXX. The letter XXXX Bank lists XX/XX/XXXX through XX/XX/XXXX as the dates I was on the XXXX Forbearance, which is incorrect. The dates I was on the XXXX Forbearance were XXXX through XX/XX/XXXX. The letter further explains, in another section, that the dates I was on the COVID19 Forbearance were for a total of 12 months. In bullet 3 of the letter, it says that when I resumed my mortgage payments in XXXX of XXXX, that payment was applied to my XX/XX/XXXX ( the last unpaid month on my account ). However, I have proof of the payment I made on XX/XX/XXXX. It further explains that each payment after my XXXX payment has been applied to the next unpaid month ( which again, before taking the COVID19 Forbearance, the only payment I missed was in XX/XX/XXXX because that payment was included in my Chapter XXXX Bankruptcy filing ) .The letter also says that when the partial claim documents were drawn up, my account was contractually due for XX/XX/XXXX. Therefore, the partial claim amounts would have included 12 months from XX/XX/XXXX to XX/XX/XXXX plus two additional months to allow for processing time ( when again my COVID19 forbearance period started in XXXX/XX/XX/XXXX through XX/XX/XXXX ) which is a total of 14 months. The letter further explained that these figures were from a new account with new dates since the previous partial claim documents had expired. Even though the documents expired because XXXX XXXX did not send them to my attorney or me until XX/XX/XXXX, therefore they did NOT provide the documents promptly ; DESPITE the multiple calls, emails and faxes I've made to them advising that I hadn't received partial claim documents. Despite the fact that the first correspondence I received from XXXX regarding my repayment options dated XX/XX/XXXX did not explain the available home retention options available under the Cares Act - but instead the letter from XXXX XXXX stated that they would evaluate my account for the best repayment option, once I returned the informational packet. Then further explained that a national disaster had occurred, so NO additional documentation was not needed ( in the same letter, a highly confusing contradiction ) .I responded to XXXX XXXX regarding their explanation letter via phone call to loss mitigation. I also emailed and faxed XX/XX/XXXX with questions because the explanation still did not make sense. XXXX responded to my XX/XX/XXXX email, fax, and phone call on XXXX-see attached letter. This time XXXX XXXX '' s loss mitigation team explained that when I resumed my monthly payments in XX/XX/XXXX, the payment was applied to my last unpaid month, XX/XX/XXXX, because that was the last unpaid month when the partial claim documents were drawn up. What happened to the first set of partial claim documents they claimed were sent out in XXXX but never received by my attorney or me?
I don't know what else to do to get this issue resolved. I've tried everything. At the end of the day, I have to pay this amount back eventually. I feel like Dovenmuehle/XXXX XXXX is using these irresponsive/confusing practices to maximize their profits, with the assistance of H.U.D., to benefit from the financial tragedies of their borrowers. The new case/calculations, as they explained, occurred because the partial claim documents they never sent expired. Also, the loan modification package that they emailed had terms that increased my monthly payment and increased my original loan maturity date from XXXX to XXXX, which they instructed me to ignore/not complete on several occasions. I want the partial claim documents to reflect the correct calculations.
I'd also like to know if mortgage payments are suspended during the COVID19 Forbearance period and those payments that were due during that period are moved to the end of the loan - how is it possible that when I resumed making payments in XX/XX/XXXX, the payments were applied to the months I'd already paid ( starting in XX/XX/XXXX ) before taking the COVID19 Forbearance, as well as the months my payments were suspended while on the COVID forbearance? I emailed/faxed XXXX XXXX on XX/XX/XXXX. I don't believe that it is my fault that they did not provide the partial claim documents promptly, and I should not be penalized for increasing the amount of my Qualified Written Request Re : Account # XXXX XXXX I've contacted the Loss Mitigation Department 8 times since I mailed back the Partial Claim documents that I received via email from my attorney. Each time I've called, I've been told that you have not received the documents. The last time I called Loss Mitigation, I was asked what address I used to mail the paperwork back, which I advised was the address on the paperwork. The Loss Mitigation rep informed me that you have several locations and needed to provide the exact address. I advised the representative to mail the packet to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX Today, I informed the rep that the last representative I spoke to on XX/XX/XXXX advised me that the person assigned to my file, Mr. XXXX, would contact that department to obtain the paperwork and call me back within 24-48 hours to confirm. It has been over a week since that conversation, and I have yet to receive a response. Today, I spoke to another rep in Loss Mitigation XXXX., and she asked me for the tracking number for the receipt of delivery of the partial claim documents and verified the documents were delivered on XX/XX/XXXX on the United States Postal Service website. She advised me that she would email Mr. XXXX and once again request that he call me back. I explained to her that I'd already done that about five times today, and I wanted to speak with him or a supervisor today. She says she messaged her supervisor, and the supervisor advised her to advise me that it takes a couple of weeks for the documents to get uploaded. I explained to her that I just needed confirmation from XXXX. XXXX that XXXX XXXX had received the papers. The rep then says that XXXX XXXX left notes on my account yesterday at XXXX XXXX that says per the XXXX XXXX XXXX, the borrower ( me ) did not return the partial claim documents. I never received a call back from anyone. This situation is beyond ridiculous. First of all, I've called about a million times ( which I've documented ) advising you that I never received the forms to notarize and complete. Then finally, I got the papers from my attorney via email, and your Loss Mitigation team advised me to send them in, notarized which I did. I sent them certified with receipt of delivery. Now you're saying that you never received the documents when I have certified proof from the United States Postal Service that you did??? What type of game is your company playing? What is more disturbing is that I received an entire new loss mitigation package from XXXX XXXX today, which is surprising since you couldn't mail me the partial claim documents directly per your loss mitigation team. End Also, if the {$21000.00} is accurate, why would XXXX request H.U.D. to pay that amount when it is a calculation of the increased payment amount due to the escrow shortage on my behalf and increase my payment to {$1800.00} to cover the XXXX escrow shortage beginning in XXXX? And B.T.W. according to the XX/XX/XXXX dated correspondence received from XXXX XXXX XXXX loss mitigation default team, the negative amount in my XXXX escrow account is only short {$890.00}, as a result of the extra {$300.00} I've made on top of my regular mortgage payments for a total of six payments that I've made since XXXX this year.
I responded back to XXXX XXXX regarding their explanation letter via phone call to loss mitigation. I also sent an email and fax on XX/XX/XXXX with questions because the explanation still did not make sense.
XXXX back responded to my XX/XX/XXXX email, fax and phone call on XXXX-see attached letter. This time XXXX XXXX loss mitigation team explained that when I resumed my monthly payments in XX/XX/XXXX, the payment was applied to my last unpaid month, XX/XX/XXXX because that was the last unpaid month when the partial claim documents were drawn up. I need a written explanation of why the first partial claim documents that your company says was sent out ( see specific details of my calls to loss mitigation above ) in XXXX expired and why I never received them?
Why are you submitting a partial claim amount to HUD for 14 months, starting in XX/XX/XXXX, when my partial claim did not end until XX/XX/XXXX.
Please confirm the dates of my COVID19 Forbearance and provide a detailed explanation of why the partial claim documents were drawn up in XXXX while I was still in the COVID19 Forbearance.
Also, youve changed the information provided in the last response dated XX/XX/XXXX in your response dated XX/XX/XXXX saying that my first payment made AFTER the COVID19 Forbearance was applied to my last unpaid month in XX/XX/XXXX- please explain what happened to the payment I made on XX/XX/XXXX.
Also, in your response dated XX/XX/XXXX you stated there were attachments with your response and there are none- please provide. Lastly, what months/year will the partial claim amount be applied to? I only missed 8 months of payments, plus Ive paid my mortgage every month this year. Please provide a detailed breakdown of how the partial claim amount of {$21000.00} will be applied to my mortgage and for which months/years, as well as a breakdown of my XXXX payments and how each month, XXXX through XX/XX/XXXX, will be applied to my account. And before doing so, please review my payment ledger/record so you dont provide more incorrect information regarding my last unpaid month prior to taking to COVID19 Forbearance.
Your company is in violation of the RESPA ordinance and I am requesting a detailed explanation as to why your company did not respond, per the RESPA guidelines to my numerous emails/letters/faxes.
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| 03/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX Tuesday, after I switched my choice to another mortgage company, loan originator and Vice President XXXX XXXX ( XXXX : XXXX ) of XXXX XXXX threw a bunch of discounts and deals at me. He convinced me to change my choice of lender to XXXX XXXX after telling me via phone call at XXXX from XXXX that I can eliminate taxes and insurance payments from my monthly mortgage payment after they receive my first payment. He also stated I would be refunded my impound/escrow account. See the representation in writing within the attached file titled " XXXX Escrow removal promise from XXXX ''.
After I received this email, I changed my choice of lender to XXXX XXXX as the lender to close on my home.
A month passed by. I completed my first payment. I received a Mortgage Statement on XX/XX/XXXX confirming receipt of first payment.
On Monday Friday XXXX, XXXX, I contacted the loan servicer Dovenmuehle Mortgage XXXX Inc ( DMI ) via phone call to cancel the impound account. I dialed the number XXXX listed on Page 1 of Account Statement at XXXX XXXX. I spoke to a very nice lady named XXXX XXXX or similar sounding name ). I indicated I was told I can remove taxes and insurance payment from my monthly payment, as well as have the escrow account reimbursed to me. She informed me she will submit a work order, and I should receive a letter via mail within the next 2 weeks with instructions.
On Thursday XX/XX/XXXX I received an email from XXXX with a letter dated XX/XX/XXXX denying my request to remove the escrow account ( attached file " XXXX Escrow letter '' ). I was shocked, stressed, and agitated beyond words.
I was extremely shocked. I never imagined my request would be denied. If the loan originator, who is also the Vice President of a multi-million dollar Bank, tells me I can remove the impound/escrow account after making my first payment, of course I would trust and believe the information.
I replied back to the loan servicer via email to XXXX. I stated, Prior to closing, lender XXXX XXXX stated that I can remove the impound account and have my escrow fees refunded after making my first payment ( email attached ). Please honor it. My reply is time stamped XX/XX/XXXX XXXXXXXX XXXX XXXX I attached the email dated XXXX where the Vice President XXXX XXXX ( XXXX : XXXX ) of XXXX XXXX confirmed I can remove escrow after the first payment.
As soon as I could, I notified XXXX XXXX ( XXXX : XXXX ) via text at phone number XXXX before emailing him and CCing the Senior Vice President XXXX XXXX ( XXXX ID # XXXX ). This issue is very important to me. I escalated it to resolve it.
XXXX text reply shocked me. I texted him about the issue. I also provided a courtesy notice that I intend to escalate the issue. XXXX replies back asking me if I was threatening him. I was speechless with shock. He has 15 years of experience, as a result, there was no doubt in my mind he knew escalating or elevating an issue means involving managers in an issue to resolve it. I did not want loan originator XXXX to be blindsided with an email where his plausible supervisor, the Senior Vice President, is XXXX Therefore, I provided a courtesy notice. It never occurred to me he would perceive escalating an issue professionally to be threatening. I was really shocked. I just decided to put my personal feelings and confusion aside and focus on the issue at hand. I replied No to his question. I clarified via text that I need his help to cancel the impound.
Via email, I immediately contacted the loan originator and requested his urgent help on this matter. I referenced his XXXX email that stated This is just to confirm that you can cancel your impound account after you make your first payment.
The loan originators response had me reeling with shock and betrayal. He said My email was referring to it not being a requirement in California. I felt frozen, shattered, numb, and horrified beyond belief.
See file titled " XXXX Impounds discussion '' How does This is just to confirm that you can cancel your impound account after you make your first payment translate to My email was referring to it not being a requirement in California? It does not. He clearly said I can cancel the impound account after making my first payment. I trusted the information. On that day XXXX, I would not have changed my choice to XXXX XXXX if XXXX XXXX ( XXXX : XXXX ) did not tell me I can cancel tax and insurance payment after my first payment, as well as have my escrow account reimbursed to me. He knew how important this was to me.
I first talked to him about this via phone call on XX/XX/XXXX Friday where I told him CALIFORNIA LOAN IMPOUND DISCLOSURE AND WAIVER that he was making me sign states that impound is not required for down payment above 10 %. While I was talking to him on the phone, I got the feeling he had no idea about this. He iterated that the lender requires an impound for down payment less than 20 %. I talked to him about this again on XX/XX/XXXX Monday via text. He said I have to do an impound account if I am putting down less than 20 %. He proceeded to say it is better for me since I am a first time homebuyer and it is more convenient for me because I was not used to making such payments. I was very insulted by the implication that I might forget to make the payments because I am not used to it.
I thought there was something wrong with my communication skills. I thought I did not explain it well. I blamed myself for not getting my point across. After all, the document I signed said CA does not require an impound for down payment above 10 %. I emailed him again about this issue on XX/XX/XXXX. XXXX. This time, I showed a screenshot and highlighted where in the 51 page loan document CA law said impound is not required for down payment above 10 %. He again responded saying the lender requires an impound.
After calling him, texting him, emailing him, begging, pleading, and requesting for days to remove the impound, I was mentally and physically exhausted, frustrated, drained, resigned, miserable, and burnt out. The day I chose another lender on XX/XX/XXXX he told me via phone call at XXXX from XXXX that he found out I can stop paying taxes and insurance with my monthly payment, as well as have the escrow account refunded to me after making my first payment. I requested this information in writing. He sent it to me. He calls me again at XXXX from XXXX where he assures me I can remove the impound account. He explained to me that after they sell off the loan to XXXX XXXX, the loan goes to their servicing department. He further explained that after I make the first payment, I would contact the loan servicer to cancel the impound/escrow. If I run into any problem, I can contact him and he will help. I trusted the information. I trusted the promise. I had zero doubt he would keep the promise. I did not anticipate any hurdles related to my request to remove the impound. As a result, on XX/XX/XXXX I was extremely caught off guard and shocked when I received the letter from loan servicer Dovenmuehle Mortgage , Inc ( DMI ) denying my request to remove the impound account. I was 10x more shocked when XXXX told me My email was referring to it not being a requirement in California. I felt misled by XXXX. I felt frozen, shattered, numb, and horrified beyond belief. I trusted his information as the loan originator. He broke my trust. I was distraught, I was drained, emotionally and physically exhausted. I felt very alone. I felt neglected, shattered, and frozen. I was very stressed and unhappy.
XXXX email on XX/XX/XXXX stated : My email was referring to it not being a requirement in California. I would follow up with servicing to see at what point they will allow you to remove impounds. Its possible that once the file is onboarded to our internal servicing department that there might be more lenience here. Since receiving the email, I have reached out to loan servicer XXXX Mortgage XXXX XXXX ( XXXX ) via phone call and email multiple times about the issue of removing the impound/escrow account.
I called XXXX at XXXX XXXX on XX/XX/XXXX. This phone number was provided to me via email where Dovenmuehle Mortgage , Inc ( DMI ) notified me that my request was denied. I spoke to a lady who reiterated the information from the XX/XX/XXXX letter. She said I would be eligible to request escrow removal on XX/XX/XXXX after the loan has reached 80 % XXXX. This would require me to pay ~ {$20000.00} towards principal. The loan originator XXXX never told me this information. I felt so betrayed, alone and helpless. I told the lady about the CA law not requiring impound after reaching 90 % XXXX. She told me to send an email to XXXX with Subject Attn : Research. I sent the email Friday XX/XX/XXXX at XXXX. Refer to attached file titled " XXXX Attn Research_ Request to cancel escrow '' On Tuesday XX/XX/XXXX I received an email from a Resolution Specialist who notified me that research has been initiated on the issue.
On XX/XX/XXXX, I received a message apologizing for the length of time it is taking to research the issue. I was notified they will be reaching out to the Corporate Office regarding this matter.
On XX/XX/XXXX I received another email from the Resolution Specialist indicating they are taking another look at the request.
On Tuesday XX/XX/XXXX I logged into the online mortgage portal to view loan information. I opened a chat session to ask if there are any updates to my request to cancel impound/escrow. The representative XXXX informs me a letter dated XX/XX/XXXX has been issued to me denying my request. The letter is identical to the XX/XX/XXXX rejection letter.
I have been looking forward to removing the impound account since the loan originator confirmed I could on XX/XX/XXXX. So far, I have received 2 rejection letters, 2 emails telling me they are taking a look at this issue, and one message telling me they are in the process of researching my removal request. It has been an agonizing three weeks. I appreciate the commitment and effort the people at XXXX Bank and loan servicer Dovenmuehle Mortgage , Inc ( DMI ) are putting into resolving this issue. I am plagued by the possibility of bad news even after all this wait, after all the effort, after all the patience, agony, and misery I have been going through, Every day I wait in agony hoping for a resolution that is not another denial letter. I am haunted and traumatized by the possibility that the loan originator gave me information without completing due diligence. I wonder if he knew there was a possibility my request would be denied. He seemed unconcerned, not surprised at all via text or email when I told him the loan servicer DMI denied my request. He has told me he had clients who were able to have the escrow removed after a few months. Did he check if it was because they met a requirement? Was there any stringent requirement those clients met which allowed them to remove escrow? I believe it was the loan servicers responsibility to find out all the facts. Did he tell me what I wanted to hear so he could get his commission for closing the loan? I read that a mortgage consultant makes 1 % to 3 % of the loan amount. He was likely paid between {$5000.00} and {$15000.00} or more because I chose to close with XXXX XXXX
On Tuesday XX/XX/XXXX, I called Senior Vice President XXXX XXXX at XXXX XXXX I did not leave a message. He called me back the next day XX/XX/XXXX at XXXX. I tell him the phone call is about my request to remove the impound/escrow. He recalled that I copied him in an email about this. I explain to him that I have received two letters denying my request, and I have received emails and messages indicating they are taking a look. It has been 3 weeks. I wondered if XXXX could help expedite the resolution given his position as XXXX XXXX XXXX. XXXX was very courteous and professional during the phone call. He told me he will speak to Operations and see what can be done.
On Wednesday XX/XX/XXXX, when taking a look at the loan documents, it looked like I agreed to have the property taxes/insurance impounded. This was news to me. I did not know I was agreeing to have my taxes and insurance impounded. The loan originator never told me anything along the lines of This is where you are agreeing to have your taxes and insurance impounded. I did not know I had the ability to refuse to have an impound account. I suspect the loan originator did not know this either. I feel further betrayed, misled, and neglected by the loan originator.
I called Senior Vice President XXXX XXXX on Tuesday XX/XX/XXXX about the issue of canceling impound. He returned my call at XXXX XXXX. He indicated he reached out to Operations. They told him it will take longer to resolve this. He said he will reach out to Operations and let me know if there are any updates.
I called the XXXX phone number XXXX listed for Dovenmuehle on XX/XX/XXXX Wednesday. I spoke to XXXX. She reiterated the same information the two denial letters told me. She also told me they will send the property tax payment to the XXXX XXXX XXXX Collector from the impound account. She indicated there will be an update on tax payment to XXXX XXXX by XX/XX/XXXX Monday.
It has been over 30 days since I first reached out to loan servicer Dovenmuehle Inc Corp. I feel extremely misled, betrayed, abandoned, and neglected by the loan originator. On XX/XX/XXXX he clearly said This is just to confirm that you can cancel your impound account after you make your first payment. If your first payment is in XXXX then by XXXX you should be able to receive a refund of your escrow account. I believed and trusted the information. He assured me through two separate phone calls that I can remove the impound. He also told me he will help me if I face any setbacks or hurdles. His position as a Vice President of a multi-million dollar bank further made me believe he would be able to resolve any situation that arises. But when my request was denied, he simply said My email was referring to it not being a requirement in California. I am not happy with his actions. I am frustrated, exhausted, dissatisfied, and unhappy. I feel wronged. I feel misled. I feel deceived. I feel betrayed. I deeply regret trusting the loan originator.
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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I am writing to dispute the following information in my file in relation to Credit Reporting from Dovenmuehle Mortgage, Account # XXXX for a 30-Day Late on XX/XX/XXXX.
Dovenmuehle Mortgage company has violated the Fair Credit Reporting Act against me. They have violated by the following : Entered a 30-Day late on to my credit report Failed to properly follow the laws of the Fair Credit Reporting Act while in the process of transferring/selling our loan to another Mortgage Company Dovenmuehle is also responsible for failing to act in a timely manner which has caused me undue hardship by entering derogatory information onto my credit report and by failing to respond to all methods of communication to avoid the negative credit remark.
Timeline of events XXXX XX/XX/XXXX Dovenmuehle sent a letter to me advising that they transferred my loan to XXXX XXXX XXXX XXXX XXXX ( see attached ).
XXXX XX/XX/XXXX Dovenmuehle ceased access to their online payment system XXXX XX/XX/XXXX Dovenmuehle phone line had a recorded message for customers to call back the following day. This was at XXXX.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX representative confirmed that the loan was now with them and that payments were due to them. The representative advised me that I could make XXXX payment by phone or I could pay online. I advised that I would pay online so that I could obtain a receipt.
Note : I advised the representative that we were in the middle of refinancing our home loan and that I needed information from her to payoff the balance of the loan. The representative provided me with an email address to obtain the payoff information.
XXXX XX/XX/XXXX I sent an email to XXXX XXXX XXXX to receive payoff for balance of mortgage loan.
XXXX XX/XX/XXXX I received a copy of the payoff letter from XXXX XXXX via email ( see attached ).
XXXX XX/XX/XXXX I received a newsletter from XXXX XXXX XXXX XXXX XXXX as a customer ( see attached ) XXXX XX/XX/XXXX I paid the mortgage online with XXXX XXXX XXXX XXXX XXXX XXXX see attached proof of payment ) in the amount of {$7200.00} plus a {$2.00} processing fee.
XXXX XX/XX/XXXX I received an updated payoff letter from XXXX XXXX via email ( see attached ).
XXXX XXXX to current received phone calls from Dovenmuehle Mortgage Collections Department daily.
XXXX XX/XX/XXXX - I finally spoke with XXXX, XXXX, who works in the Collections Department for Dovenmuehle. She advised me that she was not aware of the transfer/sell of the loan and referred me to follow up with the Collections Proxy Department and provided me with their email. She also stated that she would notated the account for additional review.
On XX/XX/XXXX, I sent a letter to Dovenmuehle Mortgage to ask if they could stop the collection calls on our account. The reason being is because they sold/transferred our loan to XXXX XXXX XXXX XXXX XXXX. The Dovenmuehle representative who identified herself as XXXX, XXXX, advised me to send my correspondence to their Research Department via email, XXXX. I sent them the letter ( see attached ) and a copy of the proof of payment for XXXX mortgage and a copy of the letter that they forwarded me dated XX/XX/XXXX ( see attached ).
XX/XX/XXXX, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via phone. I advised her that I was still receiving phone calls from Dovenmuehle Mortgage collection department. XXXX XXXX advised me that she would follow up on this matter because they ( Dovenmuehle ) should not be calling me and that I should be corresponding directly with XXXX.
XX/XX/XXXX at approximately XXXX. I received a phone call from XXXX XXXX from XXXX. She advised me that she had been in communication with Dovenmuehle Mortgage company and that she advised them to cease the phone calls to me in regarding XXXX mortgage payment. Ms. XXXX also advised that they had forwarded a copy of the proof of the XXXX payment to Dovenmuehle. She stated that this was a simple matter of exchanging communication and documentation and they Below is a copy of the letter sent to the email for collection proxy.
Dovenmuehle Mortgage Re : Loan # XXXX To whom it may concern : I am writing this letter out of concern for a serious miscommunication between Dovenmuehle employees and XXXX XXXX XXXX. XXXX XXXX and I were noticed that Dovenmuehle sold our loan to XXXX XXXX XXXX. The letter came in the mail on XX/XX/XXXX and was dated XX/XX/XXXX ( see attached ). Coincidentally prior to receiving/reading the letter, I attempted to pay XXXX mortgage payment to Dovenmuehle on XX/XX/XXXX via online, as I had done in the past without any positive results. The payment was not accepted. Dovenmuehle online account stated that I was not authorized to make a payment.
Timeline of Events XXXX XX/XX/XXXX from XXXX XXXX XXXX, I attempted to make XXXX mortgage payment to Dovenmuehle online.
XXXX XX/XX/XXXX from XXXX XXXX XXXX, I called XXXX @ XXXX to speak with a representative. I was placed on hold and then a voicemail message came on that said Dovenmuehle was closed.
XXXX XX/XX/XXXX at XXXX, I called XXXX XXXX XXXX at XXXX, Ext. XXXX and confirmed that our mortgage loan was now assigned to this company with a loan number of XXXX # XXXX. They representative advised me that the XXXX payment was payable to them and that I could make a payment by phone or online. I advised that I would pay online to get a receipt.
XXXX XX/XX/XXXX I requested a payoff from XXXX XXXX XXXX. XXXX XXXX XXXX sent the payoff via email.
I respectfully request that Dovenmuehle update its records to ensure that the transfer of loan is properly documented. I also ask that the payment we made to XXXX XXXX XXXX be recognized and reflected in Dovenmuehles documentation to there are NO 30-DAY late reported to the Credit Bureau. As you can imagine, this is not a good situation for us and causes alarms to be set off because of the continuous and frequent calls from Dovenmuehles collection department.
On XX/XX/XXXX, I fielded a call from XXXX # XXXX who informed me that there is a possibility of having a 30-DAY late added to our credit report because of this oversight. I am requesting that this be corrected immediately. We have already paid the mortgage and should not be penalized because of an oversight or lack of communication. The payment has been made and we have proof via the receipt from XXXX XXXX XXXX and from our Bank Account in which the payment was withdrawn.
We thank you in advance for your attention to this matter and ask that we are provided an update when this matter has been resolved.
XXXX XX/XX/XXXX a 30-Day late was reported to my credit bureau by Dovenmuehle.
XXXX XX/XX/XXXX I called and spoke with two different representatives from Dovenmuehle. The first person was XXXX who worked in the Collections Department. I advised XXXX that I had already paid off the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via XXXX XXXX XXXX XXXX. I also advised him that I wanted to have the 30-Day Late removed from my credit report because : I paid XXXX mortgage via XXXX.
o I also advised him that I had spoken with both Dovenmuehle representative to follow up on this matter and XXXX XXXX from XXXX. See above timeline for further details of that matter.
I paid off the entire loan Dovenmuehle transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX so we no longer were in business with Dovenmuehle It was a violation of the Fair Credit Reporting Act because of the transfer between Dovenmuehle and XXXX XXXX XXXX XXXX XXXX which made it illegal to report any negative reporting because of this He advised me that the records did not reflect this information and that he showed I was two payments behind. I asked to speak with a supervisor. He transferred me to XXXX.
I advised XXXX of the information highlighted above which basically outlined the XXXX payment and the refinance of the loan which paid off the balance.
XXXX advised me that he showed that the transfer had been rescinded as of XXXX XX/XX/XXXX. I was completely shocked. He also stated that there was no records or information on his screen and that I would need to go find the payments and get back to Dovenmuehle or call their loan transfer department. He then advised that he would notate the account for the payment and the removal of the 30-Day Late. I again repeated to him that there was over {$770000.00} dollars that was not accounted for and that I believed there was either some fraudulent practices, miscommunication, and serious errors being precipitated from Dovenmuehle and I wanted to speak to a manager immediately.
Concurrently, as I was speaking with XXXX from Dovenmuehle, XXXX XXXX called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX, Ph # XXXX who immediately responded to our concerns. Ms. XXXX advised that Dovenmuehle Mortgage had failed to deliver the appropriate documents in a timely manner to their loan department by XX/XX/XXXX. They also advised that they were in receipt of the money from the refinance {$760000.00} ( see attached payoff letters dated XX/XX/XXXX and XX/XX/XXXX of XXXX ). They also confirmed that they were in possession of the XX/XX/XXXX payment of {$7200.00}. Ms. XXXX also advised that a 30-Day Late should have never been issued and it was a violation of the Fair Credit Act.
Ms. XXXX advised that the money from the refinance and the XXXX mortgage payment was wired to Dovenmuehle on XX/XX/XXXX.
Furthermore, I advised XXXX of this information and he stated that he would follow up and have someone call me first thing in the morning, XX/XX/XXXX. I HAVE NOT HEARD FROM DOVENMUEHLE. Dovenmuehle has not responded to my emails, letters, or phone calls. Dovenmuehle did not follow up with the transfer/sell of the loan. Dovenmuehle entered a 30-Day Late onto my credit report when : 1 ) the payment was made 2 ) they transferred the loan to another company ( see attached letter dated XX/XX/XXXX ) 3 ) they failed to follow up with the completion of the transfer and penalized the customers ( XXXX/XXXX ) because of their failures 4 ) they failed to respond to my requests via phone and email to avoid the confusion that led to the 30-Day Late 5 ) they violated the law by making a report to my credit bureau for a late entry during the transfer of the loan which violates the Fair Credit Reporting Act 6 ) Dovenmuehle Departments have poor communication between employees which has caused undue stress and hardship on the consumer/customer 7 ) Dovenmuehle has no true system of accountability for follow up and follow through which has caused undue stress and hardship on the consumer/customer 8 ) Dovenmuehle employees are not properly trained and provide inconsistent and inaccurate information 9 ) Dovenmuehle technological systems are not in good working order as evidenced by the failure to accept a payment on XX/XX/XXXX * It should be noted that there are multiple customers who reported this same problem on the XXXX XXXX XXXX Review comments ( see attached screen shot taken on XXXX XX/XX/XXXX ) 10 ) Dovenmuehles technology/systems does not allow access/interface that allows their employees or supervisors the ability to ascertain correct or appropriate information necessary to troubleshoot problems with their customers accounts.
Overall, I am respectfully asking that the 30-DAY LATE be removed immediately from my account. I paid the mortgage on XX/XX/XXXX as agreed upon to the lender that I believed oversaw my loan. I also have since paid off the loan in its entirety ( see attached printouts from Dovenmuehle that highlights the account balances dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ). I have worked very hard to improve my credit score and made efforts in advance to ensure that I avoided any negative reporting to my credit report. I should not be penalized because of Dovenmuehles failures to act, respond, follow up, and follow through. I was in the process of obtaining an equity line of credit and because of this negative reporting, am not able to move forward until this is resolved. I also in the process of seeking employment to which my credit report is reviewed and analyzed as a part of the background. I would hate to lose out on an opportunity because of this error. I pray that someone can assist me with getting this resolved and ultimately removed.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX
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| 01/07/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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On XX/XX/XXXX, I received a response from XXXX XXXX, Default Litigation Specialist in response to my complaint which reached their office on XX/XX/XXXX & XX/XX/XXXX. In His letter XXXX XXXX claimed that the loan was in foreclosure and reinstated on XX/XX/XXXX. The loan was wrongfully went into foreclosure by XXXX XXXX, Default Litigation Specialist who was doing a loan modification after I did not accept the terms of the modification. She refused to give me the full total to repay the modification or where to request the reinstatement amount. However, she told me to pay all the outstanding fees including any late fees to bring the account into good standing which I did. I paid the company {$9600.00} according to the account statement plus any and all late fees which were never applied to my account. I paid Dovenmuehle Mortgage a total oft {$12000.00} which was never applied to my account. Instead, Dovenmuehle put the money into a suspense account then foreclose on me. On my XX/XX/XXXX Income Tax Form XXXX, it was reported that three trial payments were applied but they were later reversed. According to XXXX XXXX in his letter, ( See attachment ) I did not request a reinstatement amount from XXXX, XXXX XXXX XXXX XXXX by XX/XX/XXXX. Note : The foreclosure was done on XX/XX/XXXX. This was before the deadline to request a reinstatement. I was never offered or sent a reinstatement even though I requested one from XXXX XXXX, Default Litigation Specialist. XXXX XXXX refused to tell me that I needed to contact the law firm to obtain a reinstatement quote. This shows XXXX XXXX 's maliciousness and willful intention to force me into accepting the terms of the Loan Modification or make sure that I Iose the property. He did responded to the cash check of {$9600.00} and supplied proof. It took two years to receive this check after FRAUDULENT DOCUMENTS were sent to CFPB that the check was replaced in XX/XX/XXXX after making several complaints to CFPB and calling Dovenmuehle Mortgage INC, servicer for XXXX XXXX XXXX. As of this date, payments of {$700.00} cashed on XX/XX/XXXX & {$620.00} cashed on XX/XX/XXXX were never refunded. XXXX XXXX, Default Litigation Specialist refuses to provide proof of the remainder of my money because he has no proof that the money was returned. {$3200.00} was never refunded. The letter dated XX/XX/XXXX CFPB Case # : XXXX claimed that the trial modification payments cashed on XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX for {$620.00} each were applied to the account. The money totaled {$1800.00} was reversed and not applied to the account. XXXX XXXX provided a letter dated XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX that the funds were received and was being returned and the foreclosure process was being continued but no check were enclosed.
Report : Payments for XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Payment Sent Payee Amount Payment Account Status Category XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None Total Paid by XXXX regular checking {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX Paid None Total Paid by XXXX XXXX XXXX {$11000.00} Grand Total : {$12000.00} According to XXXX XXXX, he sent a letter that claim notice of serving transfer dated XX/XX/XXXX which was never received. Note this so called letter was never certified. The letter further states that XXXX XXXX XXXX XXXX was collecting my payments and will stop accepting payments from XX/XX/XXXX. Dovenmuehle Mortgage INC will be the new servicer effective XX/XX/XXXX and the next payment should be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The letter was signed by XXXX XXXX, XXXX XXXX XXXX, CEO & XXXX XXXX, Dovenmuehle Mortgage INC, Vice-President ( NMLS ID XXXX. Note this is the address where the {$12000.00} was sent to.
My consumer rights under RESPA for Notice of Error and Request for Information after I sent in written correspondence was violated.
XXXX XXXX XXXX XXXX whose address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX at the time of closing on XX/XX/XXXX, shows that the interest rate was 6.00 % with a monthly payment of {$700.00}. Under Borrower 's Failure to pay as required, it shows that after XX/XX/XXXX of the month, Dovenmuehle Mortgage INC can charge me 5 % late fee. Upon my reinstatement, I was charged {$310.00} in late fees which is incorrect. I was {$21000.00} for a total of 30 payments ( {$21000.00} ). According to XXXX XXXX 's letter, my payments were paid up until XX/XX/XXXX. Therefore, I should be charged on my reinstatement from XX/XX/XXXX-XX/XX/XXXX for a total of payments ( {$20000.00} ) which included an overcharged {$780.00}.
According to the statement shown by XXXX XXXX it showed that Dovenmuehle Mortgage was charging me {$710.00} from XX/XX/XXXX when my payments should have been XXXX.
The Loan History dated XX/XX/XXXX showed that the attorney fees was {$10000.00} and a XXXX XXXX XXXX for {$150.00} According to XXXX XXXX, there is an escrow bal for {$1100.00} and my new payment will be {$790.00} effective XX/XX/XXXX. However, XXXX XXXX fail to explain what was in the escrow and how it arrived at A check of the website showed my next payment is {$980.00} instead of what XXXX XXXX informed the CFPB.
General Loan Information Current Principal Balance {$74000.00} Current Interest Rate 6.000 % Year-To-Date Totals Principal {$0.00} Property Taxes {$0.00} Interest {$0.00} Hazard Insurance {$0.00} Payment Information Last Payment Received XX/XX/XXXX Next Payment Due XX/XX/XXXX Total Monthly Payment {$980.00} This shows double record as well as FRAUDULENT RECORDS. I have a fixed rate of 6 % and my payments have increased three times ( 3x ) since the loan was reinstated on XX/XX/XXXX. I pay for the insurance ( Note : the remaining balance which was sent by the escrow dept was returned by XXXX XXXX for {$1.00}, XXXX ). This statement does not show that on XX/XX/XXXX I paid {$10000.00} for attorney fees ( See attached reinstatement ) While I am presented with a Loan History report dated XX/XX/XXXX that shows what XXXX XXXX informed the CFPB, a check of the website on XX/XX/XXXX reveals this : XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1300.00} ) {$74000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1500.00} ) {$74000.00} XX/XX/XXXX Hazard insurance refund deposit {$0.00} {$0.00} {$1000.00} {$1000.00} ( {$1700.00} ) {$74000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$2700.00} ) {$74000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1000.00} ) {$1000.00} ( {$2900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$370.00} {$240.00} {$950.00} ( {$2100.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2400.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2600.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$290.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$270.00} {$430.00} {$7.00} {$710.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$270.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$310.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$280.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$3000.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXXMortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1500.00} ) {$1500.00} ( {$3000.00} ) {$86000.00} A check of the Escrow Summary online shows this Escrow Summary Last escrow analysis date ( month/year ) XX/XX/XXXX Current escrow account balance ( {$1300.00} ) Current escrow payment {$270.00} Projected escrow payment {$92.00} Projected escrow payment effective date XX/XX/XXXX Taxes Tax Description Tax paid to Tax ID Number Installment Amount Next Due Date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Homeowner and Hazard Insurance ( s ) Insurance Type Hazard Insurance Company Policy Number Policy Expiration Date Annual Premium Amount Homeowners ( primary ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Your annual hazard insurance premium is : {$1300.00} Payment Information Scheduled Payment Breakdown Next Payment Due* XX/XX/XXXX Principal & Interest {$700.00} Homeowner 's Insurance ( s ) {$100.00} Shortage {$160.00} XX/XX/XXXX Scheduled Payment {$980.00} Please note that if payment is received after the expiration of any applicable grace period, a late charge may be assessed in accordance with the loan documents.
* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current.
Payments I have made to XXXX for the Insurance are attached. Therefore Dovenmuehle Mortgage is charging me for insurance payments which I am making.
XXXX XXXX XXXX fail to provide a detail breakdown for the escrow and how he arrives at the balance for {$1100.00} I am responsible for the insurance payment and does not understand why I am being charged an escrow for it. This is an outright Violation of my consumer Rights under RSPCA. A Copy was sent via secure message on the website and via email.
THIS IS OUTRIGHT FRAUD AND THE CFPB IS NOT DOING ANYTHING ABOUT IT!!!!!
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| 06/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got PCS orders elsewhere, as I am XXXX XXXX XXXX We intend to reoccupy the property in 2 years when we get sent back to the area.
We were in forbearance last year due to the COVID-19 pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. We have received a minimal amount of back rent from the tenant per month which has gone to making repairs to the property that she destroyed to the tune of {$14000.00}. We are in the process of filing legal action against the tenant due to the amount of destruction.
We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard.
XX/XX/XXXX- we call the company to get out of forbearance. The rep told us to make a payment in XXXX and then we could modify our loan.
XX/XX/XXXX - Made a mortgage payment. We submitted our loss mitigation application for the first time verbally because of what our customer service rep said. No paper application was sent at this time. On the XXXX we received a letter in the mail dated on the XXXX saying we were in default. In addition to that, on the same day, we received 4 pieces of mail regarding our newly foreclosed on property. We called XXXX XXXX XXXX XXXX line immediately to try and get this resolved. We made a payment on the XXXX for {$2000.00}. The customer service rep said they would look into it to figure out why we were put in default and not staying in Loss Mitigation. On XX/XX/XXXX we called back to see if anything was resolved it wasnt. Nobody could tell us why we were in default status. We requested that they transfer us back into Loss Mitigation. We fought with them on this until XXXX, even citing VA guidelines. During the phone call on XX/XX/XXXX, they told us that we needed to start a two-step plan The first option was to roll the forbearance into the end of the loan and continue payments as normal. The second option was having the VA pick up the difference while the loan continued and then at the end of the loan we would have to make payments to the VA to make up the difference. We verbally requested a loan modification to utilize the first option. The customer service rep acknowledged that and said that our application to a loan modification was complete. We did not fill out anything at this time. It was a verbal application On XX/XX/XXXX we called back in to get the default status resolved. At this time, we were receiving foreclosure notices daily. Nothing was mentioned on our loss mitigation application, we were told everything was fine on that front. On XX/XX/XXXX we called back in to get the default status resolved. Same situation, no updates, nobody could tell us why we were in default.
XX/XX/XXXX - Made a mortgage payment. On the XXXX we called again to figure out the default status. Per the letter that they sent, on XX/XX/XXXX we would be foreclosed upon. The customer service rep said to call back in XXXX hours. This went on for days. On XX/XX/XXXX we submitted a complaint to the Consumer Finance Protection Bureau because the company was of no help and was dragging their heels on giving us any answers with the clock ticking down to foreclosure. Every customer service rep would tell us our systems are down or well call you back and never did. On XX/XX/XXXX we called and spoke to a woman in customer service who told us that they were reaching out to the VA to cover the debt the option that we DID NOT want to pursue. We told her that was incorrect and we spoke to a gentleman back on the XXXX of XXXX to roll the payments into the end of the loan with a loan modification. At this point the entire process restarted and she had to resubmit the two-step process into the system. XX/XX/XXXX we finally got ahold of a higher-up who admitted it was a mistake on their end in putting us in default and that we never should have left loss mitigation. No apology from the company, but they verbally admitted on a recorded line that it was a mistake. We received a loss mitigation packet in the mail ( finally ) to fill out and submit to get the loan modification on track. We filled out their packet, emailed it back, faxed it, and sent it via certified mail. XX/XX/XXXX we made our monthly payment of {$2000.00}.
XX/XX/XXXX - Made a mortgage payment. We were told our initial request for our loan modification was denied and had to be reevaluated because the monthly amount had changed. We had received no correspondence on our monthly amount being changed, just a statement back in XXXX showing a different amount and back in XXXX was also when the customer service rep had told us verbally not to worry about the amount being changed on the statement, and to keep paying the regular amount of {$2000.00}. To us, it feels like the company continued to drag their feet and make excuses to delay the modification time and time again because interest rates were skyrocketing at this point. The monthly amount due was changed to account for escrow. To this day, we have YET to receive any formal correspondence from the company on changing our amount for any reason. XX/XX/XXXX we made our payment of {$2000.00}. We re-filled out the loss mitigation packet and resubmitted it via email and certified mail. That got kicked back because we didnt sign every single page. So we re-filled it out, signed every single page and additional document they asked for, and resubmitted. At this time we submitted our tax returns for XXXX and XXXX, signed on the pages requested ; hardship statement ; XXXX checking statement, signed ; XXXX pay stubs, signed ; the loss mitigation packet, signed on every page ; and a copy of our home owner insurance. On XX/XX/XXXX, I submitted another Consumer Finance Protection Bureau complaint as well as a XXXX complaint. We submitted these complaints because we were being lied to at every step, the company was dragging their heels, and it had been 3 months of us trying to modify this loan with on-time payments at this point in addition to having a bogus default over our heads that was a mistake. We knew we would not get any progress done unless we got higher individuals involved.
XX/XX/XXXX - Made a mortgage payment. On the XXXX we had our loss mitigation packet kicked back for the third time because we didnt DATE every single page along with signing it. That same day, I received a call from a customer service XXXX who was looking to resolve our complaint. We outlined all of the issues we were having and we finally got access to the XXXX XXXX XXXX website where we could upload all of the documents we were trying to submit and visibly see the progress of our application. I was put in touch with a woman named XXXX who worked at XXXX as my point of contact to get this resolved going forward. We uploaded all of the same documents onto the portal. On XX/XX/XXXX, Consumer Finance replied to our complaint and XXXX XXXX offered us {$750.00} to forget the matter and never make a complaint against them again, which is laughable and sad. They also indicated that they sent us mail back in XXXX to try and resolve this- which is a lie. On XX/XX/XXXX, XXXX replied to our complaint with the same message, leaving out the {$750.00} compensation they offered on the Consumer Finance complaint. On XX/XX/XXXX, a letter was uploaded to the online portal saying additional items were needed ( rental agreement for our place in Florida, homeowners insurance statement ( which we already sent ), HOA statement showing were current, my pay stubs, and to continue uploading XXXX pay stubs and checking statements as we go. At this time, I did not upload anything because I was working with our HOA company to get a statement on our dues being paid. The HOA company had switched to a whole new company this year and I did not have access to any statements. They said to give them 10 days for the statement to come in via mail, which put it coming to my desk on XX/XX/XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX saying our loss mitigation package was denied and the foreclosure process would begin. At this time I called my point of contact, XXXX, to figure out why the company sent us a denial stating we hadnt submitted the appropriate documents within their 37 day timeframe when weve very clearly been trying to get this resolved since XXXX. All she could tell us was to keep submitting the documents and she would get everything pushed back to the reviewer to make sure nothing else was needed. We submitted our rental agreement, a letter explaining I am a XXXX and do not have pay stubs or a YTD number ; the HOA statement ; the homeowners insurance statement ( again ). She said to call her back in a week If did not hear anything at that time, as it usually takes 24-48 hours. I called XXXX on XX/XX/XXXX, exactly a week like she said. She told me the exact same thing Ill get it pushed back to the reviewed, it usually takes 24-48 hours. At this point it had been 6 business days. Asked to call her back again in 1 week. I called her XX/XX/XXXX and got the same thing, with attitude. It usually takes 24-48 hours. I explained to her that it had been 11 business days at this point and nothing has changed in our portal view and she said its because we got pushed back into the queue. She also explained that me not having pay stubs would be an issue. I explained to her Im a 1099, a NON-BORROWER on the loan, and we uploaded their required letter of explanation for any deposit over {$500.00} which clearly states that my paycheck coming in. I truly dont feel that my pay stubs should be an issue as a non-borrower when weve complied with every request of theirs to explain our income and statements.
XX/XX/XXXX - Made a mortgage payment. We have done everything they have asked. We have contacted the XXXX and Consumer Finance. They continue to drag their heels. We have made payments from XXXX with no issue. We have been lied to several times, we have been fraudulently put in default. They continue to put up road blocks to prevent us from completing this process and moving on from this. On XX/XX/XXXX I call XXXX again who let me know there's new documents that the reviewer needs : Letter of explanation for certain bank account charges, a XXXX YTD profit and loss statement from my job, letter of explanation for expenses on the main packet that we submitted back in XXXX, corrections to page 2 and 4 of the main packet that we submitted back in XXXX. She said to upload all of that and call her again in 5 business days if I didn't hear from her the next day. I did not hear from her the next day. We uploaded all of that the same evening, despite there being NOTHING from the company asking for those documents beyond XXXX herself. I called XX/XX/XXXX and asked to speak to XXXX, she said she was on a call and would call me back. She did not call me back. I called a total of 6 times on XX/XX/XXXX to speak to her with her direct line and she evaded every single phone call. To this day, there is no documentation on our portal asking for any of those documents and we have screenshot proof of that. We called and made our mortgage payment on XX/XX/XXXX and were told that our account was in collections because of the denial letter we received in XXXX. No one in this company is actually helping us, they are all dragging the process out to we have no choice but to foreclose on this property. We have proof that we have tried TIRELESSLY for 6 months now to resolve this. They have yet to help, they fraudulently put us in default, they put us in collections because of their own timeline and not sending us required documentation in a timely manner, and now they're dodging phone calls.
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| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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For approximately one year I have requested multiple Mortgage Pay-off statements from my mortgage servicer, Dovenmuehle Mortgage , Inc . However, when I use the tool to generate a statement, it fails. The error message is shown on my screen then claims that a printed statement will be mailed to me. However, as of today, I have not received anything in this regard.
According to Regulation Z of the CFPB, I am entitled to know the actual balance of my mortgage. And, upon request, should be furnished to me without delay.
Furthermore, I should also be entitled to know the running balance of my escrow account as well. However, Dovenmuehle appears to use some type of scheme to hide my current escrow balance within my online account dashboard. Instead, they mix inexplicable balances within various XXXX page views of my Account History. Thus, making it appear as though the current ( negative ) balance, existed several months, or even years ago, when that is not the case. This is very troubling because it makes it difficult to view, at a glance, mistakes that may exist and need urgent attention.
However, if I use the download tool that is rather small and obscured, I can get the CSV file. Once opened onto a spreadsheet, I can then see my true escrow balance and history, despite the erroneous errors shown within the online XXXX. Please bear in mind that this takes additional time and a special accounting program to accomplish, and is something that the average consumer should not have to be burdened with.
On a separate note, my Account History is also in question. The principal balance ( s ) shown for various dates do not match what is on my statements. However, there is also a CSV download tool available on the website for me to use. Once I've downloaded my Account History, I notice that it includes Payment ID 's Transaction dates and Transaction IDs, which is a good thing. However, when I compare this balance sheet with the balance sheet furnished to me by XXXX XXXX, Loan Servicing Manager at XXXX XXXX ( Employer of Dovenmuehle, there is an {$8700.00} discrepancy in Dovenmuehle/XXXX XXXX 's advantage.
Additionally, on XX/XX/XXXX, without my consent or fore-knowledge, Dovenmuehle processed a Deferment, that by design, was supposed to bring my account into balance, post forbearance. However, this has never happened. At the time, my outstanding balance was {$10000.00}. This outstanding balance was comprised of {$6200.00} ( principal and Interest ), {$4100.00} ( XXXX XXXX XXXX ), and {$250.00}. ( Escrow surplus/cushion ).
A nice clean headache-free Deferment should have been processed for {$10000.00}. However, for reasons yet to be explained, the servicer processed a deferment for {$8700.00}. The difference between the outstanding balance and the ( un-authorized ) deferment is {$1600.00}. The exact amount that was disbursed from my escrow to cover property taxes, was on XX/XX/XXXX. Per XXXX XXXX guideline XXXX ( b ) : Capitalization rules- The Servicer may capitalize any expense or delinquent amount outlined in the table below provided that such capitalization is not prohibited by applicable federal, State or local law, the amount to be capitalized is part of the indebtedness secured by the current Mortgage, and the expense complies with Exhibits 57 and 57A. ... Funds advanced by the Servicer, or to be advanced and paid to a third party, prior to the date the Borrower executes the loan modification agreement for the payment of any property taxes and property and mortgage insurance premiums.
The forbearance I was placed in ( without consent ) was processed on XX/XX/XXXX, by XXXX XXXX. Either she or someone else then backdated the forbearance to begin on XX/XX/XXXX and scheduled to expire on XX/XX/XXXX.
Additionally, because I was unaware I had been placed in forbearance, I submitted a mortgage payment ( late ) which covered the month of XXXX. Hence, technically, my forbearance should have been considered to have begun and ended on XX/XX/XXXX of the calendar year. Whether the start and end date of my forbearance were either XX/XX/XXXX or XX/XX/XXXX, there is no logical explanation why the tax payment that occurred on XX/XX/XXXX, was not properly calculated, repaid to my escrow via the deferment, and then capitalized along with the other property tax and insurance payments that impacted my escrow only a few months prior on XX/XX/XXXX and XX/XX/XXXX.
I never requested a deferment to cure my outstanding balance. On multiple occasions, between XX/XX/XXXX to XX/XX/XXXX, every phone contact I had with customer service specified that I was interested in a loan modification. Whenever an agent mentioned Deferment I would always interrupt them and tell them to please stop talking about the Deferment and explain in more detail how the Loan Modification worked. As I recall the many conversations I had with customer service agents, I remember several times an agent would insist that they needed to read the script as it was written. This tells me that the scheme to push people into Deferments was premeditated.
Had the Deferment been properly applied, and free of miscalculations, it would have sufficed, and been less issue to deal with. Unfortunately, the manufacturing of an escrow shortage by Dovenmuehle had an immediate effect on my monthly mortgage payments. According to XXXX XXXX guidelines : 8201.1 : Escrow for property taxes, ground rents, and assessments or other charges- ( ii ) Escrow shortages : If the Borrower is unable to pay an Escrow shortage as a lump sum, then the Borrower must pay the shortage as part of the monthly payment ( " Projected Monthly Escrow Shortage Payments '' ) on the Mortgage. If the Borrower must pay Projected Monthly Escrow Shortage Payments, then the Servicer must : Spread the repayment of the Escrow shortage amount in equal monthly payments for not more than 60 months ; and Account for any remaining unpaid amount of the Escrow shortage in any subsequent Escrow analysis to ensure that the Borrower is able to continue to pay all Escrow shortage amounts over the remaining portion of either the current remaining Escrow shortage repayment period or a period up to 60 months. The Servicer may not accelerate or compress the remaining Escrow shortage amount into a new Escrow payment or shorter repayment period as a result of a future Escrow analysis.
In violation of the aforementioned guideline, Dovenmuehle later neglected to spread this shortage over 60 months as prescribed by XXXX XXXX, but instead, it spread the shortage over 12 months. Thus making my payment unaffordable.
Dovenmuehle not only crafted an escrow shortage, but they also duplicated the adjustments field entries for my Deferment on two separate ledgers. In short, they have effectively doubled-counted my outstanding balance, while simultaneously short-changing my escrow balance, and have placed me on a path to homeownership failure.
According to my online statements, my principal balance, AFTER adjustments should be {$100000.00}. However, each time I am presented with a Loan Modification offer, the deferment for {$8700.00}. is added on top of my principal balance, for a new principal balance of {$110000.00}. This, however, is incorrect. My true principal balance ought to be {$100000.00}.
I am also mindful of the fact that during the past several months that I have been protesting the mistakes on my account, additional outstanding payments have accumulated for {$7700.00}. According to Dovenmuehle 's estimate, my total owed is {$120000.00}. However, this total includes duplicate field entries of the deferment ( {$8700.00} ) and is therefore erroneous. At best, my principal balance should be {$110000.00} = ( {$100000.00} + {$7700.00} ).
The above equation can be verified by looking at Payment ID # : XXXX, Transaction Date : XX/XX/XXXX, Transaction ID # : XXXX. Between XXXX/XXXX/XXXX through XX/XX/XXXX, I made XXXX regular monthly payments, my escrow account had a positive balance of {$28.00}. The fact that my downloadable loan history ( CSV Spreadsheet ) contains Transaction and Payment ID # s, I trust this information more than the spreadsheet prepared by the loss mitigation department. It is evident, that someone has carried the wrong rial balance from one sheet to the next.
Had Dovenmuehle presented a loan modification using the proper principal balance owed ( {$100000.00} ) amortized over a 40-yeaXXXX term, it should have been $ XXXX 2.875 %. This payment would have included Principal and Interest, as well as Taxes and Insurance ( $ XXXX ).
However, the first loan modification I received in XXXX of XXXX had a payment of {$770.00}. XXXX 2.875 % ). Approximately $ XXXX, more per month than what a properly constructed loan modification should have been.
Now, after one year of protesting, the current loan modification offer on the table is $ XXXX. @ 3.5 % interest. However, when I calculate a 40-year term with a principal balance of {$110000.00}, the payment should be {$730.00}, not {$870.00}. So again, Dovenmuehle is doing something behind the scenes to cause such a discrepancy.
On XXXX I phoned Dovenmuehle 's Loss Mitigation Department, along with a Representative from XXXX, a non-profit agency tasked with assisting homeowners to get back on track with their mortgages. We were connected with a person by the name of XXXX. Although XXXX asked me the reason for my call before I could finish articulating the many errors that concerned me, all of which I have outlined above in this complaint letter, XXXX interrupted me and I never was able to get a word in edgewise from that point forward. Before I knew it we'd been on the phone for two solid hours, and not a single issue mentioned above was resolved.
At one point, when I thought that perhaps I had finally gotten at least one point across, that being, why was my Deferment used to repay only {$2500.00} of my escrow shortage, but not the full {$4100.00} that existed at the time? Suddenly XXXX had no answer or comeback. she then placed me on hold for several minutes. When she returned to the phone, she still had no answer but began deflecting and talking about something else. When i attempted to nail her down with closed ended questions so that we could at least move along one -step at a time without deflections, she began stating that a person by the name of XXXX XXXX XXXX would be reaching out to me to better explain the numbers. I asked how long would it be for a call. She stated 24-48 hours. It has now been seven days, and no calls or emails have arrived from XXXX XXXX XXXX. It may be worth mentioning, that on XX/XX/XXXX, I received a email from XXXX XXXX. The email contained a so-called breakdown of the first Loan Modification offer I had received with the inexplicable increase to my principal balance and a $ XXXXmonthly payment. Almost immediately I discovered the discrepancies. I wrote her back immediately after running my calculations, and I have never heard back from her since.
I do not understand the resistance to correcting the errors within my mortgage account. I am doing my very best to resolve this issue amicably. However, this has become a serious problem. Before I secure legal counsel, I would like to request that the CFPB take a good look at the documents I have submitted, and force Dovenmuehle to provide an answer as to why there are two different balance sheets with conflicting numbers and balances on the same identical dates?
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| 05/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 07/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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When COVID-19 hit we would never have dreamed that we would be out of work for longer than a couple of weeks. In XXXX it became a hard realization that we would not be working for a while. We are both self-employed XXXX. XXXX is also a XXXX and we had just completed our XXXX attached to our home to rent for an XXXX. We are both on Social Security XXXX and as of XX/XX/XXXX we began running our new XXXX out of our home.
In the beginning of Covid when everything shuttered we were very insecure about what would happen financially so we applied for unemployment and someone also told me that in response to these unprecedented times caused by the COVID-19 pandemic, Congress and the President of the United States passed the Coronavirus Aid, Relief, and Economic Security Act, H.R. 748 ( CARES Act ) on XX/XX/XXXX, to provide relief to Americans and American businesses suffering from the resulting health and economic crisis.
I called Dovenmuehle and was able to obtain forbearance for three months for XXXX, XXXX and XXXX of XXXX. At the end of XXXX when I finally started collecting unemployment, my husband began to do more work and we got our first guest in our XXXX so we decided that we would finish out our 90 day forbearance and resume paying our mortgage payments starting XX/XX/XXXX. We made our payments and have done so ON TIME since that day.
When we resumed paying our mortgage I talked to an agent who referred me to lost mitigation at Dovenmuehle to begin the process of helping us file for a loan modification and partial claims for the missed 3 months of payment which was readily offered as an option.
We felt confident in the government program as well as the help we initially received from Dovenmuehle Loan Servicing Company until they dropped the ball completely and proved to us over and over again these past 12 months that their business practices, mishandled paper work and break in their chain of communication are the worst weve ever experienced. It has taken a year to get through the loan modification process through their Loss Mitigation department.
It took THREE TIMES just to apply as they continued to lose my documents, close out my application and denying me because of my supposed lack of getting documents to them fast enough. We sent many documents over and over again through the mail, e mail and uploading onto their document center only to find that they had not received them. This missing documents issue caused so much anguish during the worst time of my life during Covid-19. No work. No job. No unemployment money until late XXXX. They lost my application that I mailed in a packet with all the required documents the first time and then told me I sent in an incomplete application. YET, somehow they managed to have in their possession my tax returns, income statements and other certain private documents like social security forms.
At the end of XXXX I was told that I was no longer in loss mitigation and they closed my file because I did not send my documents in a timely manner. YET, they certainly took their time12 months to give me answers and process my claim! According to a friend of mine who is a mortgage broker, I am allowed a certain amount of time to put my documents together. And in fact I sent them all the documents that they had asked for. ( see photos of computer timeline in evidence ) This company continued to lose documents even when I emailed them. I uploaded them onto their website on their docu-center and called well over 40 times during these last few months. In XXXX we decided to start fresh again and sent a completely new packet which was approved in XX/XX/XXXX.
Gratefully I have documented every call and every person I have talked to since XX/XX/XXXX and a partial list starting in XX/XX/XXXX.
One thing that was very upsetting is that every time I called I would get a different person. I was never appointed one supervisor or processor on my case. Each time I called I had to talk to a new person and catch them up on what was going on. I began to see a pattern and realize that these people really didnt know what was really going on internally in the big picture. They never officially gave me a point of contact except in their letters we got a name but they never returned our phone calls in the last 8 months!
I called Loss Mitigation one day and spoke to someone about a missing document and she said she had it right there. A little while later I called back and talk to a different person who said she didnt have that particular document in her file. And then when I called a third time that same day another agent said that everything is in order and it looks like all your documents are here only to find out the next day that they were still missing documents. Simple documents like our award letters from Social Security that I sent at least four times including in the initial first packet I sent via USPS paying {$15.00} in postage.
They also made unreasonable requests wanting monthly bank statements asking explaination for all the in-coming money {$500.00} or more in my account INCLUDING any deposits that equaled {$500.00}, so {$100.00} deposit from my Aunt for birthday, {$60.00} for sister who is on our phone plan etc ... all deposits adding up to {$500.00}. I had to give an explanation of where it came from. Im sure some of these practices are common but some of these requests seemed unreasonable and add having to send it again and again then told over and over again that they have not received the document, imagine the frustration!
Another thing is their collection department called relentlessly, ocassionally two times in one day. I finally started documenting it and have it documented that I got a call XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. How intrusive and completely inappropriate to do this while working on a loan modification! unrealistic as well!
Finally, after 4 months of anguish, pain, suffering, XXXX XXXX XXXX, intense stress, worry and harassment while continually being asked for the SAME DOCUMENTS over and over again and daily calls from the debt collection department demanding payment of the 3 past due payments I was sent a letter that all of my documents were received and acknowledged on XX/XX/XXXX and that I would receive an answer within 30 days. ( see documents XXXX ) I was also finally able to get the phone calls stopped although they continued to send me letters in the mail demanding payment. Certified mail by the way. As per the letter I was awaiting my instructions well the 30 days ticked by.
On XX/XX/XXXX I received a phone call from a woman who said she was from XXXX. She explained to me that there would be 30 days review and then I would be getting a new payment schedule for my mortgage and a three month trial pay period. After that I would I have a new lower payment!
I was ecstatic. I asked so the loan modification went through? and she said yes this is happening!
She explained how the loan modification worked, what was going to happen and to expect a packet from Dovenmuehle in a couple weeks. NO PACKAGE EVER CAME!!
I have yet to get anything from them except for statements demanding payment, harassing letters, misinformation, and now a letter DECLINING our loan modification for no reason. Icing on the cake I received yet another letter thanking me for speaking with us about your mortgage and as we discussed youre approved for a payment deferral on my 3 month forbearance last year during Covid. As we discussed?? WE NEVER DISCUSSED THIS!! The letter arrived just three days after receiving a letter of DFENIAL dated XX/XX/XXXX. The deferral letter is dated XX/XX/XXXX and says I must sign these papers and send them by XX/XX/XXXX. The quirky thing about this letter is that I receive the letter XX/XX/XXXX and its postmarked XX/XX/XXXX yet theyre telling me to sign it and get it in by XX/XX/XXXX? Is this how they do business? Even if I did receive the letter that was dated XXXX XXXX what banking institution doing a mortgage deferral gives their customers 5 days to get something this important out to them? Again so unprofessional and very intimidating!
I called them XX/XX/XXXX and spoke to another woman named XXXX and I asked her about the deferral letter and she claimed that Dovenmuehle sent deferral papers in the mail and also said theyre records showing that they talked to us on XX/XX/XXXX and we agreed to do this deferral. And according to my phone records I did speak to someone on XX/XX/XXXX at XXXX XXXX. This was from a person in Loss Mitigation named XXXX. She told me that my case was still in review and that it was looking very positive. I told her I was concerned that maybe Dovenmuehle was dragging their feet about all of this and waiting until XXXX when the Cares Act is no longer in effect. She told me she didnt believe that anything like that would happen at this point. So according to XXXX, I was being offered a payment deferral and sent a letter of decline on XX/XX/XXXX but speaking to XXXX, yet another agent in the same department four days later on the XXXX is TELLING ME A COMPLETELY DIFFERENT SCENARIO!!
By the way, we never received deferral papers, spoke about deferral payment regarding our loan and I never agreed to anything. I would never agree to anything without talking it over with my husband and also I have saved every single document that they have sent to me and theres nothing in any document talking about a deferral. Nor in my email. XXXX claims that her team leader XXXX said these papers were sent to us in the mail and in email form.
When XXXX Returned on the phone after speaking to their team leader XXXX she said that we were getting our loan modification and she described the difference between a deferral and a loan modification. She went on to tell me that all the paperwork that I received in the mail was simply backed up communication that was being sent in the wrong order of timeline and that they had documents on their end that were lost from their department. She also went on to tell me that I would be getting my loan modification and that the deferral would mean putting the money I owe on the back end of my loan. She said that those documents were going to be sent out today XX/XX/XXXX. We have not received these papers and when we spoke to XXXX on XX/XX/XXXX she stated that no papers have been sent out yet as our Modification is still in review.
Meanwhile this company should not be allowed to operate the way that they are operating. It is absolutely despicable the way that we have been treated. As I said above all of the stress and strain of this process has worn me out. I went through a period of time when my XXXX XXXX was so out of control that I couldnt even take a stress test at the cardiologist!! I have medical documents to show that if you request it.
I believe that the documents I am receiving from Dovenmuehle are sent to us to cause fear to pay instead of giving us a loan modification. I really dont know why this is happening from their end. I question whether or not employees are given incentives to collect money in lieu of getting loan modifications and what not.
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| 04/08/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX my family and I were impacted by Hurricane Irma. My relatives were also severely impacted where they live in XXXX Florida. Due to their severe destruction to their home and the fact that they did not have power or food or the means to get to work because of the mass flooding they had no choice but to come stay with me in my home. I was impacted as well to the point of minor damage to my home and having to miss work a few days as well as having to take care of my family of refuge which impacted my utilities as well as cost of living expenses. Due to this domino affect of catastrophic events I called in to Dovenmuehle Mortgage Inc back in XX/XX/XXXXwhere as to seek help and guidance before falling seriously short or behind on my payments to see if there was anything that could or be of assistance to me and my family in this time of tribulation. When I called into Dovenmuehle I spoke to representative who told me there was nothing they could do because I was not in the impacted area, which is incorrect please refer to Release number : XXXX XXXX, in which On XX/XX/XXXX, federal emergency aid was made available to the State of Alabama to supplement state, tribal, and local response efforts due to the emergency conditions in the area affected by Hurricane Irma beginning on XX/XX/XXXX, and continuing. Once I stated this I was transferred to their supervisor who then I explained my situation to and suggested to be put on Forbearance for 3 months in which will give them time to do a loan modification to be able to skip payments and put them at the end of the loan and extend my loan term. I agreed to this in at which time I was instructed to not make any payments. I asked if I had any money to make a payment If I could and was told that I could but didn't have to since the next three months would be added to the end of my loan. I did not want to confuse the company with making payments so I did as instructed and did not make any payments. I fell behind on my mortgage because of this as well as a lot of my other bills because of the hardship I and my family was going through. A month or so later I received a concerning letter in the mail from Dovermuehle stating that I was seriously delinquent on my mortgage and to pay the balance in full or face foreclosure. At this time I believe it was about 45 days past due ( on month payment ). I called in very upset because the last time I was told not to make any payments on my account and that they would be putting me into a forbearance. Now I am getting letters threating foreclosure on my home. Again the representative could only tell me what I already read from the letter and even explaining what I was told in the past conversation the representative refused to help and just wanted to brush me off to another person. They transferred me to a " supervisor " this supervisor began to tell me that there was no notes stating this but once I asked for them to pull the call they told me to hold for a moment. Supervisor put me on hold and came back to the phone and stated she then seen something and that I was in the process of a loan modification and that they are working on it and to give it a few more days. As a worried home owner and a father of a XXXX year old girl, I feared of becoming homeless and reiterated my concerns of loosing my home and falling even more behind. It is one thing to tell me I am not eligible and to tell me that I have to pay an amount because then I would have to seek help elsewhere or figure something else out. But it is another thing to tell me that I am able to receive help and tell me not to make any payments and let the customer fall seriously delinquent and then tell them they have to catch twice as much up at one time when they couldn't afford it from the get go. The representative reassured me that I would be hearing back from them regarding my account in the next few days. I waited another week or so and nothing. I called back in yet again and again was transferred to a supervisor of the loss mitigation department. I had spoken to this supervisor whom was extremely rude and degrading. That supervisor told me that my account was currently in forbearance and told me to not make any payments and that all of the negative and past due would be added to the end of my loan and that I should have not received the letter asking to make payment or face foreclosure. I asked them when is this negative going to be added to the end of my term because it just keeps adding up and I am getting worried about it. I was instructed that they were currently in process of doing so but that if I wanted to make a payment if able I could do so and that whatever I couldn't pay they would add to the end of my loan. When I seen my negative account add up, I was tired of waiting for them to process and called in yet again and at this time I made a payment only because I was worried that I was being told wrong information and that they were never going to process my loan modification. I made a payment on XX/XX/XXXX and for XX/XX/XXXX, I was told these payments were current and up to date and not going to be applied to the past due because the past due amount would be applied to the end of my loan. Dovenmuehle then continued sending me past due notices for the amount that was suppose to be covered so then I had enough being told one thing on the phone and then another via letter. I reported this to the XXXX and received a letter in the mail stating there were no promises made that there were forbearances added to my account and that at the beginning of XX/XX/XXXX was denied of a forbearance making it seem like I was delinquent on my own free will and that they were only helping with forbearances and not a loan modification. They mention in these letters that my file was in review and yet still is every time I call or receive a letter and to disregard meanwhile my account is falling further and further past due. Now to the point where they are reporting it on my credit and now affecting my credit. They always say they are going to contact my once a decision is made or to call in periodically but a decision is never made and nothing is ever done or corrected with my account. I received this letter from XXXX XXXX from the Research Department.
I have still been calling in trying to get this resolved. I finally got a supervisor who seemed to know what they were doing. They instructed me that they will be able to do a loan modification and that they require some more information. The information that was first asked of me in order to complete loan modification was as follows ; 1.harship letter 2.verification of income 3.last two paystubs 4.year to date profit and loss statement 5.child support /alimony ect.
6.tax returns 7.XXXX form 8.bank statements last three months I have sent in all of this information in at the beginning on XX/XX/XXXX via email to XXXX, I have also sent this information in again on XX/XX/XXXX and XX/XX/XXXX. I have been going back and forth with XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX with Dovenmuehle, as well as the processor XXXX and her employee information is XXXX from all I was told, as well as many other representatives from Dovenmuehle and supervisors. It seems now that every time I call in I get told misleading information and or incorrect information. I keep being told to send in the same information and paperwork as before and being told that they need more information and or did not see information that is clearly marked and sent via email and documents, so much so that I had to circle and write in big bold letters. For example they told me they did not see my year to date amount, this is clearly listed on my pay stubs, it makes me wonder if they are even looking at my information or just saying they need something else and not processing what I've already sent just to procrastinate my case. Not one representative has told me the same information as the last. These reps and supervisors are all very rude, dishearted and uncaring individuals. I have been misinformed, disrespected and now I fear losing my home due to these errors. I feel like I have done everything I can do. I am now at the point where I am behind 4 months and I am not sure how I will gain the money to catch it up. I need my loan to be corrected and immediately. I feel like my only other option is to seek help as in an attorney or third party. On my last phone call to Dovenmuehle I spoke with a representative by the name of XXXX and her employee initials are XXXX, which is all she would give me. Before getting to XXXX I spoke with several other representatives on XX/XX/XXXX and was on the phone for about 1 and half hours trying to speak to someone to see what it was now that they were needing or requesting. I was unsure as to what they were asking regarding this new information. I was finally told that the information I sent in regarding my monthly expenses asking to explain the P & L or the money that was earned on the side. I don't earn money on the side on a regular basis. This was money I earned one time helping my father whom has stage XXXX XXXX XXXX fix stuff around his home and the supplies he reimbursed me in doing so.
I was hung up on several times, transferred to voicemails. When I got XXXX on the phone I immediately explained my frustration and told her I was upset and hung up on several times, her response, " account number ... '' as in she completely ignored my frustrations and did not apologize that I was hung up on. I repeated the required security information that they ask as I had done this about 15 times prior, I gave my name, address, I reside at this address, and last four of my social. XXXX then proceeded to ask me how she can help me and when I again told her my concerns and frustrations she didn't have any remorse or concern for the customer. I told her if no one can help me then I will just look into seeing an attorney or third party and then proceeded to ask her what the complaint departments number was and or a corporate number, she then told me " why don't you have your attorney look that up " I said " excuse me? '' she then said " I am sure your attorney can find that information ''. I do not feel I need to explain why this is wrong. I asked her if she was getting smart with me and then she told me to hold on, she put me on hold and came back and said, it looks like you already put a complaint in with a supervisor and then hung up on me. After this I took to the internet to see what I could find on Dovenmuehle and to see if there was any one else out there like me and going through what I was going through. Not only did I find ALOT of concerning information and reviews of past customers but on the companies own XXXX page there is comments and post from their own employees saying how much they hate their customers and how much they hate their jobs, these are the people I have to deal with, these are the people handling my case and my home. I want to hear back from either the president of this company or its CEO. I am beyond upset now. I want something done and I want it done NOW!
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| 05/12/2023 |
Yes |
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- Trouble during payment process
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Web |
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During Hurricane Ian, the Complainant sustained damage to his property and opened a claim with his homeowner 's insurance company, seeking compensation for Coverage B Other Structure, Coverage C Personal Property, and Reimbursement for Additional Expenses.
Due to the excessively high volume of Hurricane Ian claims and resultant lengthy processing times, the Complainant and insurance company entered into negotiations in good faith, culminating in a settlement and release agreement. The agreement provided a total payment of {$41000.00}, which covered all losses for which Plaintiff was eligible.
The Complainant insurance company issued a check for {$41000.00}, which included payments for Coverage B Other Structure ( {$8000.00} ), Coverage C Personal Property ( {$23000.00} ), and Additional Expenses ( {$9600.00} ).
Upon receipt of the insurance company 's check, Complainant contacted XXXX the mortgage servicer for his property, via telephone.
Following XXXX 's instructions, Complainant endorsed the insurance company 's check, included required documents and a prepaid label for its return via the United States Postal Service priority mail to Defendant.
Complainant received an initial correspondence from Defendant on XX/XX/XXXX, which set out the process for disbursing the insurance proceeds. The correspondence stated that if the Total Loss Proceeds ( T.L.P. ) were less than or equal to {$10000.00} and all necessary documentation was provided, XXXX would issue a check for the total loss within XXXX business days.
Complainant provided XXXX with all required documentation no later than XX/XX/XXXX.
Complainant promptly responded to all additional requests for information made by XXXX, including a copy of the settlement and release, self-repair affidavit, personal property inventory list, adjuster report, two prepaid overnight labels, and direct deposit information.
The XXXX. is calculated solely on the portion of the insurance proceeds for which the lender has a security interest, except for a total loss or an agreement to the contrary. Neither of these exceptions applies to the Complainant 's situation ; therefore, the Complainant 's XXXX. is {$8000.00}.
The Security Instrument executed between the parties on XX/XX/XXXX, defines the DMIs security interest, which is limited exclusively to the " real property serving as collateral for the loan, along with all improvements, easements, appurtenances, and fixtures now or hereafter a part of the property, '' including all replacements and additions.
Personal Property and Reimbursements should not included in the XXXX. calculation and should not be included in the Complainant 's XXXX. calculation. The Complainant 's XXXX. is {$8000.00}.
As an XXXX. lender, XXXX must promptly release all insurance settlement proceeds received for coverage of the XXXX 's XXXX XXXX, temporary housing, and other transition expenses to the XXXX.
XXXX has not disbursed the total insurance proceeds under {$10000.00} to XXXX. Instead, XXXX has only disbursed {$370.00}, less than 5 % of the XXXX. of {$8000.00}, in contrast to the process outlined in the initial correspondence.
In reliance on the validity of XXXX 's insurance proceeds disbursement process, as outlined in the initial correspondence, XXXX commenced and completed most of the patio replacement work at his own expense.
Upon XXXX 's inquiry about the remaining XXXX. funds, XXXX requested XXXX information, estimates, and inspection scheduling, despite previously approving self-repair and not required per the process outlined by XXXX if XXXX T.L.P. is less than {$10000.00}.
Complainant has provided photographs of the newly laid concrete slab and receipts totaling {$8000.00} for the patio cover and needed materials to install the slab.
Despite receiving all required and not required documents and in contrast to the initial correspondence, XXXX refused to release the T.L.P. until after an inspection, EVEN THOUGH the T.L.P. is less than {$10000.00} and much more than XXXX business days have elapsed.
XXXX 's failure to disperse the remaining {$7700.00} within XXXX business days has forced XXXX to endure unnecessary expenses, causing undue hardship for him and his family.
As a result of XXXX 's actions, Complainant has suffered actual damages, including but not limited to the inability to fully repair his damaged property, loss of use of his property, and significant undue financial hardship for having to come out of pocket for cost.
The undue and unnecessary financial hardship had detrimentally impacted the Complainant and his familys well being, causing stress, anxiety, and XXXX. It has lead to a decreased quality of life, and negatively affect relationships. Also to the loss of opportunities for personal growth and development.
XXXX has violated the Real Estate Settlement Procedures Act, XXXX XXXX. XXXX et seq. ( " RESPA '' ), by failing to promptly disburse insurance settlement proceeds received for coverage of XXXX 's personal property and additional expenses, as required by XXXX XXXX. XXXX ( k ).
XXXX 's failure to disburse the total amount of the insurance proceeds under {$10000.00} to XXXX, per its initial correspondence, is a violation of XXXX XXXX. XXXX ( k ) ( XXXX ) ( A ).
XXXX 's conduct in requiring additional documentation and an inspection for the disbursement of the remaining insurance proceeds, despite having already approved self-repair and having received all the necessary documentation, is a violation of XXXX XXXX. XXXX ( k ) ( XXXX ) ( B ).
XXXX is subject to TILA, XXXX XXXX. XXXX et seq. XXXX requires that, among other things, lenders disclose the cost of credit, including finance charges and the annual percentage rate ( A.P.R. ). XXXX violated TILA by failing abide by the disclosed the terms and conditions for disbursement of the insurance settlement proceeds and the calculation of the T.L.P.
XXXX failed to disclose that it would only disburse a small percentage of the XXXX, despite receiving all required documentation and the T.L.P. being less than {$10000.00}.
XXXX conduct constitutes a violation of XXXX, XXXX XXXX. XXXX et seq.
XXXX engaged in unfair and deceptive trade practices by failing to disburse the insurance proceeds under {$10000.00} to XXXX, despite receiving all required documentation and the XXXX. being less than {$10000.00}.
XXXX also engaged in unfair and deceptive trade practices by requesting additional information and inspection scheduling after previously approving self-repair and not requiring XXXX. disbursement if it is less than {$10000.00}, although the fact that the XXXX. being less than {$10000.00} and much more than XXXX business days have elapsed.
DMIs actions were likely to mislead a reasonable consumer.
Complainant and XXXX entered a contract by which XXXX agreed to service the mortgage on XXXX 's property.
According to the contract, XXXX agreed to release the insurance settlement proceeds to Complainant for coverage of XXXX 's XXXX XXXX, temporary housing, and other transition expenses.
XXXX has breached the contract by failing to release the remaining XXXX. funds to Complainant within XXXX business days as outlined in the initial correspondence, despite receiving all required documentation and Complainant has had to commenced and completed most of the patio replacement work at his own expense.
XXXX owes XXXX a fiduciary duty to act in XXXX 's best interests regarding the disbursement of insurance proceeds for coverage of a XXXX 's XXXX XXXX, temporary housing, and other transition expenses.
XXXX has breached its fiduciary duty to Complainant by failing to promptly release the insurance settlement proceeds if the T.L.P is less than {$10000.00} within XXXX business days as disseminated by XXXX 's as their state loss proceeds distribution process.
XXXX breached its fiduciary duty to Complainant by requiring unnecessary inspections and documents, despite previously approving self-repair and not requiring XXXX. if it is less than {$10000.00}.
XXXX breached its fiduciary duty to Complainant by failing to act in XXXX best interests and by causing Complainant undue hardship, which could have been avoided if XXXX has acted promptly and in good faith.
XXXX owed a duty of care to Complainant o disburse the insurance proceeds per the mortgage agreement terms, process outline and applicable law.
XXXX breached this duty of care by failing to disburse the total amount of the insurance proceeds to Complainant promptly and adequately, despite Complainants compliance with all requests for documentation.
XXXX 's breach of duty of care caused XXXX to suffer damages, including but not limited to the inability to fully repair his damaged property, loss of use of his property, and significant undue financial hardship.
XXXX 's breach of its duty of care was the proximate cause of XXXX 's damages.
XXXX XXXX conduct was negligent and reckless and showed a conscious disregard for Complainants right and laws.
XXXX 's conduct constituted negligence per XXXX under Florida law, as XXXX violated its duty of care under the applicable federal and state laws, regulations, and guidelines.
DMIs conduct resulted from its negligence, gross negligence, and willful misconduct.
XXXX has been unjustly enriched at XXXX 's expense by failing to disburse the remaining Total Loss Proceeds ( T.L.P. ) under the XXXX XXXX and Florida law.
XXXX has received the insurance settlement proceeds from Complainants insurance company and has failed to disburse the remaining XXXX. within the timeframe provided for in the initial correspondence.
XXXX has failed to release the T.L.P. as outlined in the initial correspondence, instead delaying, and impeding the disbursement process by imposing additional requirements and scheduling an unnecessary inspection.
XXXX 's retention of the remaining XXXX. without justification constitutes unjust XXXX knew or should have known that its actions would result in XXXX 's undue hardship, yet XXXX has continued to act disregarding XXXX 's rights and interests.
XXXX has benefited from its retention of the XXXX. at the expense of XXXX.
XXXX retention of the remaining XXXX. under the circumstances described herein is inequitable, unjust, and against the principles of fairness and equity.
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| 05/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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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.
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| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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As a quick summary, I contacted my mortgage provider ( Dovenmuehle Mortgage ) to understand what options there might be to help provide financial relief due to the pandemic. I received some information but had questions. The customer service representative I spoke with did not know the answers to my questions but said someone would call me back. No one called me back. I was then enrolled in this program WITHOUT MY CONSENT that actually charges MORE to the borrower than the borrower would have paid had they not enrolled in the program. This was my suspicion upon reading the information on the forbearance program and, specifically the question I had when I contacted their customer service department. I was explicit in saying that, if the program operated as I suspected it did, then I was NOT interested in participating. Lo and behold, I was enrolled in the program without my consent and now they are taking more money from me during this difficult period than they would have over the same period of time. You call to ask for help and their " help '' is to extract more money from people who are hurting financially. Just outrageous and shameful.
Moreover, I think the CFPB and the public should know about what this company is doing. I am fortunate enough that I could have continued making payments on my mortgage to avoid longer term interest accruing but was asking for help because, given my unemployment & the state of the economy, I don't have much cushion left and, with 2 months of mortgage payments being withdrawn tomorrow, I can make it for *maybe* 2 more months before things get really dire. As the last Dovenmuehle representative I spoke to pointed out, I'm one of the " privileged '' ones since I could have made those payments. But how many other people either enrolled themselves in this program because they needed short term help or, as I was, were enrolled in this program without their consent, but they don't yet realize that they will have a bill coming shortly for double or triple the mortgage payment they are expecting? The " less privileged '' people, as their customer service representative explained to me, would be very happy with this program. Sure - IF THEY'RE MAKING MORE MONEY DURING THAT PERIOD AND/OR PLANNING FOR A HUGE BILL AT THE END. Based on Dovenmuehle 's confusing description of the program and complete lack of knowledge and information about the program 's specifics from their Customer Service representatives, I'm sure there are many, many other people who simply will not be able to pay the giant mortgage bill that they probably don't realize in on the way to them.
For some additional detail on this matter I have copied the majority of my most recent email correspondence with Dovenmuehle below ( in quotations ) as sending an email to describe the situation was the only remedy anyone could give me : " The specific questions I asked the customer service representative when I called were a ) whether interest continues to accrue while the loan is in forbearance - she confirmed that it does b ) whether that interest is capitalized or not - she did not know and I STILL don't know c ) MOST IMPORTANTLY - whether, at the end of the forbearance period, if I would just be responsible for paying 2 mortgage payments at once to " bring the loan current. '' I was very explicit on that call that if that was the case, and I was just going to have to pay the same amount of money over the same period of time, while additional interest accrues to my account, then I WOULD NOT BE INTERESTED IN PARTICIPATING IN THE PROGRAM.
I also explained to that customer service agent that, as I waited for the call back to confirm my answers to these questions, I was not moving forward with other options I had in other areas of my budget. For a variety of reasons, my interest in those other programs was CONTINGENT upon the answers to the questions laid out above.
A few days ago I received my mortgage statement which confirmed that this program is doing the exact thing that I thought it might be doing and that, TOMORROW, you're just going to take 2 months of mortgage out of my account while interest continued to accrue. So, when I contacted you to ask for help, your solution was to put me in a program that has me pay the same amount of money over the same period of time, while putting more money in your pocket in the form of additional interest. And, again, I NEVER SIGNED ANYTHING OR GAVE MY CONSENT IN ANY WAY TO PARTICIPATE IN THIS PROGRAM. Quite the opposite, actually.
Additionally, as I explained to your customer service representative, I did not participate in other programs that could have actually saved me money - so those opportunities are gone. I didn't make twice the money over the month when you skipped a payment, so pulling that mortgage out tomorrow is going to really cripple my personal finances. Also, I can't get back the hours I've spent sitting on hold and being bounced between various customer service representatives who were unable to provide any help. I definitely could have used that time to try to make some extra money to pay these bills I'm struggling to pay.
But, you end up with more money in your pocket, so congratulations!
This is truly reprehensible. To create a program that purports to help customers, but actually puts more money in your pockets ... .and to do so without the consent of your customers. You should really be ashamed. " I was clear that I was not interested in Dovenmuehle 's program if they were just going to charge me extra mortgage at the end of the forbearance period. I also told the customer service representative I spoke with that confirmation of the specifics on their program would be the determining factor in whether or not I would participate in a forbearance program on one of my student loans.
No one from Dovenmuehle contacted me with the clarified information on their forbearance program and, since I did not consent to a program that would result in multiple months of mortgage payments due immediately at the end of the forbearance period, when I noticed that my XXXX monthly mortgage payment had not been withdrawn from my account, I concluded that I must have been enrolled in the program without having actually signed up. I also assumed that, since it was the expressed condition of my interest in the program, that the program would NOT involve multiple mortgage payments being withdrawn at the end of the program.
Because of Dovenmuehle 's failure to answer basic questions about the program and to follow up as promised, I decided NOT to participate in a forbearance program on my student loans which would have saved me a {$350.00} payment during the month of XXXX. I figured that the savings from the mortgage program as I understood it based on my conversations with Dovenmuehle 's customer service representatives would provide sufficient relief that enrollment in the program on my student loan would be unnecessary and it would be better for me financially to continue paying my student loan payments as scheduled to avoid the additional interest that would accrue and capitalize on that loan if I enrolled in the forbearance program with my student loan provider. I WAS able to confirm with my student loan provider the key questions as listed above that Dovenmuehle could not answer, specifically that during the forbearance period interest does continue to accrue and capitalize but that, at the end of the forbearance period, you are not required to pay multiple months for the payments you missed, but you would resume monthly payments as normal, at a new monthly rate based on the additional capitalized interest. So my decision not to pursue that program was because, as I understood it, the forbearance program with Dovenmuehle, would provide sufficient financial relief to make it unnecessary to incur these long term additional costs on my student loan at this time.
NOW, enrolling in that program on my student loan is one of the biggest levers I have to try to gin up some cash to try to survive the fact that there will be multiple months of mortgage payments being pulled from my account TOMORROW. So there are additional opportunity costs to Dovenmuehle 's negligent behavior : 1. I passed on the opportunity to save that {$350.00} student loan payment in XXXX ( which would have helped me pay this giant bill that is due tomorrow ).
2. I will now have to enroll in that forbearance program on my student loans in order to try to make up enough to keep my mortgage current. That will result in additional interest and higher monthly payments on my student loans, which I have not yet had the chance to calculate.
3. I've spent an extraordinary amount of time on the phone with Dovenmuehle, sending written correspondence, compiling documentation, filing this complaint. All time that would otherwise have been spent doing things that might actually have helped to make me some money ... .which I need to pay these additional mortgage payments. A conservative estimate of that time spent is 2 regular 8 hour working days ( 16 hours total ).
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| 05/04/2021 |
Yes |
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Web |
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I closed on the sale of my residence on XX/XX/XXXX.
Dovenmuehle Mortgage via XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent my escrow refund check on XX/XX/XXXX. However, the check was sent to the incorrect address. The check did not arrive to my forwarding address.
On XX/XX/XXXX, I contacted the company to begin a stop/void and reissue process of the escrow refund check. The company made me aware there has to be at least a 30-day wait period, from the date the check was sent, before being able to begin the stop/void and reissue process. The first day the process can begin is XX/XX/XXXX and the company put in a post-dated request.
I contacted the company on XX/XX/XXXX confirming the stop/void and reissue process began. The representative made aware the check number is unknown, tracking number is unknown and unknown when payment will arrive. The representative made aware he is tracking down all this needed information and will call back via my cellphone. I did not receive a call back.
On XX/XX/XXXX I spoke with a representative to inquire the status of the process. She made me aware the previous check that was sent was verified as " not cashed '' and/or " not deposited ''. She made aware a new check was to be written and sent on XX/XX/XXXX, should take about 1 week.
Upon not receiving a check, on XX/XX/XXXX, I spoke with a representative who made aware the company was working to get my check completed and sent out expedited.
Upon not receiving a check and/or company updated, on XX/XX/XXXX, I spoke with a representative making aware the was reissued, should be arriving within a week or two, and a manager would be contacting me back by end of business to discuss handling. I received no contact back from a manager. I called back on XX/XX/XXXX, and spoke with a representative who communicated with cashier department and got no response on the current status. The representative said she'd copy me on email and follow up with phone call for exact status. Our call at that time was towards the end of the business day and she promised to return phone call the next day. I received no follow up correspondence and/or communication.
On XX/XX/XXXX, I spoke with a representative who made me aware she's requesting reissuing refund, sending task today and they will make sure it wasn't cleared. She made aware once check shows " not cashed '' a new check will be reissued, sent and received within 5-7 business days. She made aware the check should be received by XX/XX/XXXX. Further, she made aware when the escrow refund is reissued, I will see a new line item and date for reissuance of escrow refund via my online account and profile.
On XX/XX/XXXX, I spoke with a representative to inquire status. The representative made me aware there hasn't been a check cut yet, process takes up to 30 days to cut the check, process began XX/XX/XXXX and not XX/XX/XXXX. The representative transferred me to a supervisor, as she saw all the notes on my file and saw process has taken more than 30 days. The supervisor answered and made me aware previous representatives continued to restart the process, instead of making aware status, which caused delay ( s ). This supervisor ( XXXX ) made aware she is sending to her manager to have expedited payment completed, considering my XX/XX/XXXX contact. I was made aware the next time I contact, call # XXXX and ask to transfer to the escalation line. I was given a 10 day turnaround time expectation for receiving payment and the representative made aware she will provide updates via email. I received no communication via email from the representative.
On XX/XX/XXXX, I spoke with a representative and was transferred to the escalation line to inquire status. The escalation representative has no status and no new notes since my XX/XX/XXXX contact and made aware no new check was created. I asked to speak with a manager, was made aware a manager was available but was transferred to a voicemail. I contacted back and spoke with another supervisor on the escalation line and was made aware XXXX was not in the office. This supervisor put me on hold to check status and within that hold time, she disconnected the line and I had to call back. I called back for the 3rd time in same day, spoke with another supervisor, same party who I previously spoke with who didn't follow through on her promises and I asked to be transferred to someone else. That party picked up and disconnected. I called back a 4th time and spoke with a supervisor who previously disconnected the line. This supervisor said the process takes 30 days and she said sent email to Banking Department. I made aware that's not what I asked, I only asked for a status, as I was instructed on XX/XX/XXXX. I asked to speak with a Manager. The supervisor said that " it's XXXX and most have gone home today. '' The supervisor put me on hold to find a manager. No manager available. The supervisor said to expect check on/around XX/XX/XXXX.
On XX/XX/XXXX, I spoke with a representative and was transferred to the escalation line to inquire status. The escalation supervisor placed me on hold and said she is speaking with the financial department manager in order to get clear understanding of status. Before providing an update, I was transferred to another supervisor in the same line of authority. This new-handling supervisor ( XXXX ) was not made aware the nature of the phone call and had to take a minute in order to understand my account as it pertained to the nature of the call. XXXX confirmed, in essence, a " passing of the buck '' occurred via the first escalation supervisor I had communications. XXXX made aware the refund is still being processed from when the request was submitted. XXXX made me aware the date the request was submitted is actually showing XX/XX/XXXX, not XX/XX/XXXX, and process takes 30-60 days to complete. XXXX again confirmed the process was re-requested on XX/XX/XXXX. I demanded to speak with a manager and refused to hang up, as this is new information I was never provided or given expectation, the service I was promised wasn't delivered, and the requests for escalations haven't been executed by upper management. XXXX said her manager wasn't available, demanded transferring me to voicemail and guarantees a contact back. I made aware I've experienced this recommended action multiple times and have not received a return phone call and/or correspondence. I was transferred to another party in the escalation line. I spoke with another escalation supervisor for a moment and then was told I was being transferred to a manager. The party who picked up said he was an Assistant Manager. In re-explaining my situation, the assistant manager didn't say anything and disconnected the line. I contacted back and spoke with another escalation supervisor. I demanded to not speak with an escalation line member, as I was just speaking with an Assistant Manager. She made aware she has to transfer me to another supervisor. During this time, the line was disconnected and no contact made with another party. I contacted back again and spoke with a different escalation supervisor. She confirmed the 30-day beginning start time is XX/XX/XXXX, not XX/XX/XXXX. I made aware I'm being misrepresented and handled in bad faith based on the information and expectations I'd been previously given. She offered to inquire status with cash department and I refused as this task was completed previously and created a reprocessing of check. She continued to offer to reach out to the cash department for status and I declined, in order to avoid additional reprocessing request. She offered to transfer me to her Manager 's voicemail but I declined, as I experience no success with return contacts from the company. I was transferred to another escalation supervisor, and she made aware the check was requested for expedited handling but she was unable to give me a date of processing and/or expectation for time to process. She made aware she sent request to her manager, who agreed the process should've been completed by this time. For resolution, the company said they're going to start another reprocessing of stop/void and reissue of payment. This payment will be expedited and the escalation supervisor made aware the refund check will be sent to my mailing address and my mailbox/address will receive it by " Monday ''. When I inquired if " Monday '' meant " XX/XX/XXXX '', she said that date is not certain and unable to give me exact information and/or tracking information and/or contact to the manager. I asked to be transferred to the manager 's voicemail, as previously offered, and escalation supervisor made aware the manager 's voicemail is not working at the time and unable to give email information for the manager, to help provide confirmation. The escalation supervisor also made aware she will not send me confirmation of expedited process and/or give me further expectations.
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| 11/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My mortgage loan was subserviced previously by Dovenmuehle Mortgage , Inc. ( " Dovenmuehle '' ) under a contractual agreement with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ). I always made timely payments to, and prior to XX/XX/2018, never had a negative experience with, Dovenmuehle. On or about XX/XX/2018, I received a " Notice of Servicing Transfer '' letter ( the " Letter '' ) ( see Attachment1 ) in the mail from Dovenmuehle stating, in relevant part, that : ( i ) the servicing of my mortgage loan is being transferred from Dovenmuehle to XXXX XXXX XXXX d/b/a XXXX XXXX ( " XXXX XXXX '' ) effective XX/XX/2018 ; ( ii ) Dovenmuehle " is currently collecting [ my ] payments and will stop accepting payments received from [ me ] after XX/XX/2018 '' ; and ( iii ) XXXX XXXX " will start accepting payments received from [ me ] on XX/XX/2018 '' and to " send all payments due on or after XX/XX/2018 '' to XXXX XXXX. Pursuant to ( iii ) above, on XX/XX/2018, due to the fact that my loan was due for the XX/XX/2018 installment payment at that time, I scheduled an electronic payment in the amount of {$1000.00}, including my regular monthly payment of {$1000.00} plus a {$5.00} principal curtailment, via DovenmuehlXXXX 's website to be drafted by Dovenmuehle from my bank account on XX/XX/2018. Out of an abundance of caution, I called XXXX XXXX 's Customer Service Department on XX/XX/2018 at XXXX XXXX ( CST ) at telephone number XXXX to inquire about the Letter and the servicing transfer to determine if there was any action I needed to take during the servicing transfer. The XXXX XXXX representative who answered my call was a gentleman, and I informed him that I had received the Letter in the mail and, pursuant to ( iii ) above, had scheduled the aforementioned payment via Dovenmuehle 's website. I asked the XXXX XXXX representative if Dovenmuehle would keep that payment or would forward it to XXXX XXXX. The XXXX XXXX representative said he was not sure and therefore advised me to contact Dovenmuehle to confirm what would happen to my payment. Immediately thereafter, I called Dovenmuehle 's Customer Service Department on XX/XX/2018 at XXXX XXXX ( CST ) at telephone number XXXX. The Dovenmuehle representative who answered my call was a lady, and I informed her of the aforementioned payment that I scheduled as well as the details of my conversation with XXXX XXXX. I asked the Dovenmuehle representative whether Dovenmuehle would keep my XX/XX/2018 payment or would forward it to XXXX XXXX. After placing me on hold for a few minutes, the Dovenmuehle representative advised me that Dovenmuehle would NOT forward my payment to XXXX XXXX, that the payment would be " rejected '', and that I needed to make my payment ( due for XX/XX/2018 ) directly to XXXX XXXX. I told the Dovenmuehle representative that I would log into their website and cancel my scheduled electronic payment and would instead remit payment to XXXX XXXX. The Dovenmuehle representative advised me that it was too late to cancel my electronic payment because payments must be cancelled within 1 hour of scheduling them. The Dovenmuehle representative further advised me that she would go ahead and " reject '' my scheduled payment while we were still on the telephone since it was too late for me to cancel the payment on my end. With the understanding that the Dovenmuehle representative was going to reject and effectively cancel my scheduled payment, I then mailed a personal check ( # XXXX ) in the amount of {$1000.00} to XXXX XXXX on XX/XX/2018. Four days later, on XX/XX/2018, I noticed that Dovenmuehle had drafted {$1000.00} from my bank account - the description of the transaction actually says " DOVENMUEHLE MTG MORTG PYMTXXXX '' ( see Attachment2 ) - despite the fact that the Dovenmuehle representative had previously advised me she would reject my scheduled payment in their system to prevent the payment from being processed and drafted from my bank account. I immediately called Dovenmuehle on XX/XX/2018 at XXXX XXXX ( CST ) to discuss the erroneous transaction, and I requested that the Dovenmuehle representative who answered my call escalate the matter to a supervisor. My call was transferred to a gentleman named " XXXX ''. I asked XXXX if Dovenmuehle records its calls with its customers and XXXX stated that it did. After explaining the details of what occurred, XXXX apologized to me and advised me to contact my bank and request a stop payment on check # XXXX that I mailed to XXXX XXXX. XXXX further advised me to provide him with proof of the stop payment fee assessed by my bank along with a written request with my name, loan number, and signature and that upon receipt of that information, he would submit a request to reimburse me for the stop payment fee. Additionally, XXXX advised me that check # XXXX shouldn't be deposited by XXXX XXXX for several days and that I had nothing to worry about. The following day, on XX/XX/2018 at XXXX XXXX ( CST ), I called my bank to request a stop payment on check # XXXX. The bank representative advised me that she could not process a stop payment because check # XXXX had already been deposited by XXXX XXXX and that the check cleared my bank account on XX/XX/2018. As a result, an additional {$1000.00} was drafted from my account on that same date. I then called Dovenmuehle 's Customer Service Department on XX/XX/2018 at XXXX XXXX and again at XXXX XXXX ( CST ) but could not speak with anyone because apparently Dovenmuehle is closed on the weekend. So, instead, I called XXXX XXXX 's Customer Service Department on XX/XX/2018 at XXXX XXXX ( CST ) and discussed the matter with an Escalation Agent, the details of which I won't include in this complaint since this complaint is against Dovenmuehle and not against XXXX XXXX. I then replied to an email XXXX previously sent to me during our call on XX/XX/2018, and in my email, I informed XXXX of my conversation with my bank and I requested that he provide me with the name and contact information of his supervisor and escalate the matter to him/her immediately. A copy of that email correspondence is attached ( see Attachment3 ). As of the date of this complaint, I have not received a reply email or call from XXXX or his supervisor at Dovenmuehle. Thereafter, on XX/XX/2018 at XXXX XXXX ( CST ), I called Dovenmuehle 's Customer Service Department and requested to speak to a supervisor. My call was transferred to a woman named " XXXX '', who advised me that the servicing transfer of my loan occurred on XX/XX/2018 and that my XX/XX/2018 electronic payment was, in fact, forwarded to XXXX XXXX, which directly contradicts the information I was given by the Dovenmuehle representative on XX/XX/2018. I asked XXXX to provide me with the name of the state and/or federal regulators and government agencies that govern Dovenmuehle and she said she did not know and wanted to know why I needed to know. I told her I wanted to know where to file a complaint. I then requested that she transfer my call to someone who could provide me with that information. XXXX transferred me to a man named " XXXX '' in the Loan Servicing Department. XXXX said I could file a complaint with the CFPB but did not know what other regulators or government agencies that governed Dovenmuehle. Both XXXX and XXXX told me since my loan had been transferred to XXXX XXXX on XX/XX/2018, there was absolutely nothing that Dovenmuehle could do to resolve the issue. Specifically, they told me that Dovenmuehle could not refund the payment that it processed in error, that Dovenmuehle could not provide any monetary relief to me for its error, and that I would need to deal solely with XXXX XXXX to reach a resolution of this matter. Since XX/XX/2018, I've worked daily with XXXX XXXX to rectify this situation, which was caused by Dovenmuehle. As previously stated, Dovenmuehle represented to me that it records its calls, so it should be able to review those call recordings to corroborate my statements made herein. On XX/XX/2018, XXXX XXXX finally refunded {$1000.00} to me for the electronic payment that Dovenmuehle processed in error on XX/XX/2018. The refund was made via a wire transfer from XXXX XXXX to my bank, and as a result, my bank assessed and collected a {$15.00} wire transfer fee from me ( see Attachment6 ), which I believe Dovenmuehle should be held responsible for, and at a minimum, be required to reimburse to me for causing this mess of a situation to begin with. I've attached images of the call log from my phone showing the time stamps of the calls made to Dovenmuehle and XXXX XXXX beginning on XX/XX/2018.
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| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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Our problem stems from a unique XXXX mortgage payment problem -- one that has been amicably resolved with XXXX XXXX
This resolved issue has somehow morphed into an adverse credit agency ( XXXX ) report of a late XXXX mortgage payment. But there was no late XXXX mortgage payment.
The original XXXX situation involved an electronic mortgage payment of {$2600.00} XXXX through XXXX XXXX XXXXXXXX autopay in the ordinary manner -- same address, same loan number, and same amount paid -- used since XXXX. In early XXXX, wthout any previous notice, call, email or other indication of a problem from XXXX, XXXX informed us that this mortgage payment was floating around in the matrix. It had neither been accepted nor rejected by XXXX. So XXXX informed us that they would return the money to our checking account.
XXXX XXXX XXXX administering the account under an authorization with XXXX ) called XXXX and determined that : i ) the XXXX XXXX account number had changed ; ii ) the address for payment had changed ; and that iii ) the required payment had been increased by {$3.00}.
XXXX and XXXX agreed that as soon as the XXXX payment to XXXX was returned to our checking account by XXXX, that XXXX would sent a replacement payment for XXXX, plus {$3.00}. XXXX confirmed the new address, new account number, and that the amount should be {$3.00} higher. As soon as the initial electronic payment was returned to our account, the new payment ( increased by {$3.00} XXXX was sent out by Bank XXXX XXXX. The XXXX payment was electronically transferred to XXXX on XX/XX/XXXX.
XXXX understood that the XXXX problem was not just a consumer mistake ; and XXXX, therefore, agreed to waive any late fee for XXXX. When a letter arrived from XXXX XXXX XX/XX/XXXX, letter ) confirming this, the letter had also added an unacceptable new term to the previously agreed resolution ; namely, that the waiver was a one-time courtesy waiver. We objected because the " fault '' behind the XXXX situation was mostly XXXX ; and asked that the one-time courtesy characterization should be removed. XXXX agreed, and subsequently sent another letter XXXX XX/XX/XXXX, letter ) confirming the resolution without a late fee, and without that " courtesy '' characterization. Situation resolved.
Meanwhile, XXXX had tried to adjust the BofA autopay to change the address, the XXXX XXXX, and the amount before the XXXX payment was electronically sent out by XXXX. But XXXX was unable to stop the prescheduled auto payment. So XXXX had XXXX send a separate payment of {$3.00} to XXXX. When XXXX recieved this {$3.00} electronic payment, it called XXXX to ask what this was for. XXXX explained that the customary amount had also been paid electronically on XX/XX/XXXX, but to the customary address and with the loan account number that had been used since XXXX. XXXX confirmed that unlike the XXXX payment, that XXXX had indeed received the {$2600.00}.
It took XXXX the rest of XXXX to find this payment. At one point, XXXX passed on a demand from its research department that we prove that XXXX had received this money by providing a copy of the front and back of the mortgage check deposited by XXXX. XXXX explained that this was an electronic payment, with XXXX receipt confirmed by XXXX ; and pleaded that XXXX should look for the money on its side. Eventually, XXXX found and accepted that the full payment for XXXX had been timely received by XXXX Bank. At XXXX point in XXXX, XXXX did send another payment to XXXX ; but this money was returned to us once XXXX found the XX/XX/XXXX payment.
After finding the money, XXXX never asserted that this payment was late ; and XXXX has never asserted any intent or right to charge us a late fee for XXXX.
But TransUnion, perhaps based on incorrect or incomplete computer information states that our XXXX payment was late. Having learned from hours of phone calls with many XXXX representatives that a systems change was making it difficult for XXXX to get information needed to properly administer loans, we sent a Preservation Letter to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter asked XXXX to preserve evidence of the systems changes and problems that had caused our XXXX payment to float around in the matrix for nearly a month, and then, even though the XXXX payment was electronically received by XXXX on XX/XX/XXXX, required almost a month before XXXX could confirm that it had been paid.
The XXXX response to this XXXX XXXX was an email providing an apology ; but directing us to contact another company " XXXX Mortgage '' that XXXX claimed was servicing our mortgage. This was the first we had heard of XXXX, Dovenmuehle Mortgage XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( M.D. XXXX XX/XX/XXXX ).
Because we had never received any correspondence from XXXX XXXX, and never spoke to them on the phone, we called XXXX ( consumer representative XXXX XXXX after receiving the XXXX response to our dispute. We asked how XXXX could report that our XXXX mortgage payment to XXXX was late. The XXXX representative gave us two responses. The first was that this was not an XXXX problem because the XXXX report was in error. She said that the problem was a XXXX issue ; because XXXX had reported the problem as resolved.
When we asked for that in writing, the answer changed. The answer then became that our resolution of the XXXX situation would show up as late on a computer report if that XXXX resolution was seen as a payment for XXXX. We explained that XXXX had already agreed to accept the XX/XX/XXXX payment as resolution of the XXXX situation. We also explained that the XXXX payment had been made on time, even though some systems change or problem resulted in it taking almost a month to find the payment received by XXXX on XX/XX/XXXX. XXXX advised us that the only was to resolve the XXXX credit report was to sue.
It is possible to imagine a dispute over allocation of fault for the XXXX mortgage payment. But that dispute was resolved. Once we agreed to resend the XXXX mortgage payment, increasing the prior payment amount by {$3.00}, there was no longer any dispute. XXXX understood that because the XXXX payment had been taken out of our account and sent by autopay ( to be received at the normal address and for the normal account number ) that we needed to get the money back into our account before sending it out again by autopay. XXXX considered the issue to be resolved.
As to our XXXX payment, while some bank system change or problems ( possibly at Dovenmuehle Mortgage, Inc. ) delayed for nearly one month XXXX ability to find that it had accepted ( on a timely basis ) the electronic XXXX payment, there was no late payment for XXXX.
Our current hypothesis is that the information in the XXXX report as to a late XXXX mortgage payment ( see XXXX Investigation Results ) was based on an erroneous computer report provided by someone at XXXX XXXX or more likely, by Dovenmuehle ) who was unaware of the resolution worked out with XXXX. Our complicated XXXX payment issue was ultimately resolved ; and XXXX quick action on information provided by XXXX resulted in a full XXXX payment that was also received by XXXX on time.
The XXXX report of a late XXXX payment seems to be the result of XXXX not doing its job XXXX seems to have relied on a computer report ( possibly from Dovenmuhle although its investigation refers to a computer report from Grantor ) that did not reflect the actual workout process, agreements and final resolution with XXXX.
As a consumer reporting agency XXXX is obligated to look into the resolution pointed out by a consumer. XXXX breached the duty imposed upon it by 15 U.S.C. section 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable dispute reinvestigation. There can be no doubt but that the XXXX ( possibly Dovenmuehle ) computer report on which XXXX relied did not reflect the actual workout process, agreements and final resolution with XXXXXXXX XXXX
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage, Inc. ( DMI ), servicer for XXXX XXXX XXXX ( XXXX ), have made several errors to our mortgage loan accounting including a wrongly created new escrow, unapplied payments, interest charges, fees, inaccurate payoff amount and other inaccuracies including collections demands and likely damage to our credit rating.
Additionally, XXXX and DMI together took an unauthorized ACH from our unrelated business account at XXXX XXXX and applied it to the newly created escrow.
I. ESCROW ERRONEOUSLY ADDED TO MORTGAGE BY NEW SERVICER. We first learned about the change in our mortgage servicer from XXXX to DMI on XX/XX/XXXX when we received a letter alerting us of a negative escrow balance. We reviewed our Mortgage Statements and discovered they looked slightly different beginning XX/XX/XXXX. That is also the first date our Mortgage Statement included a new line called current escrow account balance in the amount of - {$3500.00}. Our mortgage, created in XX/XX/XXXX, did not include Escrow ( proof attached. ) We called XXXX XXXX of XXXX XXXX, WI office that day to request the mistake be corrected by the bank. She told us there was a new servicer and for us to contact DMI. During a phone call to DMI a few minutes later, the representative said the new charge was a penalty/fee for not having insurance, and that insurance was provided by DMI on our behalf. When asked, the DMI representative could not provide evidence of this nor details. We immediately provided proof of insurance to DMI by email. During follow-up phone calls DMI claimed they never received the proof of insurance despite approving the email address we were sending it to. We sent it several more times then again requested XXXX XXXX XXXX associate XXXX XXXX to help. She then emailed and faxed our proof of XXXX to DMI which they continued to claim was never received. Finally, we asked our insurance provider, XXXX XXXX XXXX, to email the proof of insurance, which they did several times. DMI has still not acknowledged receiving it. It is still not clear why they added the escrow and how they arrived at the dollar figures on our mortgage statement. Documents attached.
XXXX. XXXX & DMI took an unauthorized ACH payment in the amount of {$1000.00} from our unrelated business account at XXXXXXXX XXXX XXXXXXXX XXXX, WI on XX/XX/XXXX. After our business bookkeeper discovered it, we directed XXXXXXXX XXXX XXXXo revoke the ACH on XX/XX/XXXX. XXXX then charged us an Authorization Revoked Fee in the amount of {$140.00} plus a NSF/late charge of {$10.00}. We were shocked to discover this ACH was related to the above describe new escrow. We are bewildered that DMI was given access to this other banks account by XXXX XXXXXXXX XXXX when the account at XXXX XXXX is not attached to our personal accounting. ( We previously had a business relationship with XXXX XXXX for a business owned by us ; XXXX XXXX of XXXX, XXXX. This XXXX relationship ended XX/XX/XXXX. We never authorized an ACH to be drawn from the business account at XXXX XXXX. HOW DID XXXX XXXX XXXXDMI EVEN KNOW OUR ACCOUNT NUMBER AT XXXX XXXX? ) Document attached.
XXXX. NO RESPONSE TO OUR REQUESTS. Early in XX/XX/XXXX we requested by phone that DMI remove the escrow and fees because the mortgage loan never included escrow before it was handed off to DMI. We received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX stating they received our inquiry request and would provide a response. As of XX/XX/XXXX, 72 days later, XXXX and DMI still have not responded to our questions and complaints nor have they removed the erroneous escrow charges and fees. The XXXX Mortgage Statement dated XX/XX/XXXX still shows a negative escrow balance - {$2600.00}. We have made timely mortgage payments every month, including XX/XX/XXXX, which was applied correctly per the XXXX monthly account statement, but sits un-assigned by DMI, resulting in further penalties. Document attached.
XXXX. PAID PROPERTY TAXES AND WRONG PROPERTY ADDRESS.
A ) Property taxes for XXXX related to the above referenced mortgage, for which we have never escrowed, were paid in full to XXXX XXXX, Wisconsin on XX/XX/XXXX. Document attached.
B ) The property address for mortgage Loan Number : # # # # # # # is still recorded incorrectly by XXXX and DMI. ( The fire number of the property was changed by XXXX XXXX, Wisconsin in XXXX XXXX. ) XXXX XXXX XXXX was made aware of a change to the fire number on the property address in Spring XXXX at which time they changed only the mailing address on our mortgage statement, not the property address. XXXX also failed to pass the revised property address to DMI when they took over servicing the mortgage, months later. We made DMI aware of this error during a phone call XXXX and asked DMI to correct the error. The address is still wrong on a demand letter sent by XXXX XXXX XXXX to us on XX/XX/XXXX.
V. REFINANCED MORTAGE WITH XXXX XXXX XXXX AND CLOSED XXXX/DMI MORTGAGE Each time we asked for a contact name and direct phone, extension or email address to better communicate with DMI, they refused and offered us only a general number which is answered by a different person each time. We asked to speak to a Supervisor on XX/XX/XXXX ( while on a conference call with XXXX XXXX of XXXX XXXX XXXX, when we were seeking a payoff amount for refinancing the mortgage, scheduled for the next day. ) The DMI Supervisor on the phone call, XXXX, was no more helpful but again offered to begin an investigation. We received a letter from XXXX dated XX/XX/XXXX acknowledging our second request for investigation.
We closed the above described BMO/DMI mortgage loan # # # # # # # # # # on XX/XX/XXXX with the payoff figure provided by DMI of {$59000.00}. We refinanced the mortgage with a new lender, XXXX XXXX XXXX of Wisconsin. Closing was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI.
1 ) DMI owes us a refund of all dollars collected for taxes and insurance in escrow as well as penalties and fees associated with their errors. We also request correction to the property address and all other mistakes, removal of default notation on our account and credit record and full restoration of our credit record.
2 ) DMI has given conflicting answers to our questions to resolve these issues and arrived at a different Payoff figure each time they were asked. Our new mortgage originator, XXXX XXXX of XXXX XXXX XXXX, participated with us in several group phone calls with DMI.
3 ) DMI associate XXXX told us in a phone conference on XX/XX/XXXX that a refund would be provided when the loan was closed.
4 ) We question the legality of XXXX XXXX XXXX and Dovenmuehle Mortgage , Inc. taking funds ( ACH ) from an unrelated business account without authorization. We are owed a refund of the NSF and Authorization Revoked fees assigned in XX/XX/XXXX.
VI. NOTICE OF BREECH AND CURE DEFAULT. On XX/XX/XXXX we received certified letters from XXXX demanding our XXXX mortgage payment ( which was paid in person on XX/XX/XXXX as previously described. ) Not only was our XXXX payment made ( and applied per the XXXX XXXX XXXX Statement- attached ) but because we refinanced the loan and paid the balance demanded by DMI at closing on XX/XX/XXXX, we owe no money to XXXX/DMI. Rather, per the above and attached documents, we are owed refunds. XXXX attached.
SUMMARY XXXX XXXX XXXX and Dovenmuehle Mortgage , Inc. have failed to remove inaccurate charges and erroneous escrow from our Mortgage Loan as well as the fees and penalties associated with their mistakes. They have wrongly placed us in default.
XXXX XXXX XXXX and Dovenmuehle Mortgage , Inc. owe us a refund for inaccurate charges, fees and penalties which we paid in full on XX/XX/XXXX upon officially closing the mortgage.
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| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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1. The second mortgage STILL is not being automatically drafted from my account. I'm turn, Dovenmuele is placing 30-day notices on our credit reports almost monthly or earlier ; however does NOT MAKE SENSE, AS I STILL CALL IN AND PAY IT?!!!
2. Mortgage one is auto drafted ; what's the issue? It's a {$200.00} second mortgage?! If we can pay $ 1662+ ; why then would we not be able to pay {$200.00}? Seriously.
150 POINTS!?????? You have lost a customer for life, this is ridiculous and we will be seeking damages. Proof of payment, overcharging, false credit reporting ....
3. FOR THE SECOND TIME, Letter in the mail telling us we must pay XXXX/Dovenmuele homeowners insurance as we have not provided proof?! I have provided proof via email ( still have records ), as I've paid for all of my home owners policies for the past two years!!!! I am not paying over {$1800.00}, and if you have charged me, I demand a refund. My homeowner 's insurance policy, for the LAST TWO YEARS, ( including hazard insurance ), begins and expires in XXXX ; it had for the last two years!?????
4. Property tax credits not applied. This is not the county 's fault. I summit they were not supplied with the correct information.
XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, wrote : > > > > Our VP of Real Estate Lending XXXX XXXX reached out to me that she had tried calling you with an update this afternoon but the number is not in service at. I just forwarded XXXX the number you provided on the reply to my email from yesterday and wanted to let you know that XXXX will be calling you with an update tomorrow and wanted to confirm the best number to reach you at tomorrow.
> > > > I see your Mobile is is this the best number to reach you at?
> > XXXX will be giving you a call as I mentioned she did research your loan file and has an update for you.
> > I hope you are having a great day!
> > > > > > > > From : > Sent : Tuesday, XX/XX/XXXX XXXX XXXX > To : C > > > > > Thank you > > > > > > > > > > > " You don't have to go the extra mile, but don't be surprised the day you lose to someone who does '' > > > > > > > > -- -- -- -- Original message -- -- -- -- > > > > Date : XX/XX/XXXX XXXX XXXX ( XXXX ) > > > > > >, > > > > I am reaching out to you to confirm that we have received your email and have elevated the issues you have been experiencing to Senior Management Team for review and resolution. They are reviewing the details of your questions and concerns and intend to respond to you with an update as soon as possible.
> > > > I am committed to working with all parties to ensure you obtain clarification in regards to your questions and concerns mentioned below.
> > > > Warm Regards, > > XXXX > > > > > > > id : XXXX > > > > > > > > Sent : Thursday, XX/XX/XXXX XXXX XXXX > > > > Hi, > > > > I found the form that was mailed and submitted a long time ago.
> > > > > > Home owners insurance is up to date and on file with XXXX XXXX. Paid in full.
> > > > > > > > > > > > " You don't have to go the extra mile, but don't be surprised the day you lose to someone who does '' > > > > > > > > -- -- -- -- Original message -- -- -- -- > > From : Tax XXXX > > Date : XX/XX/XXXX XXXX XXXX ( XXXX ) > > To : > > > > > > > > Our system shows that XXXX XXXX XXXX XXXX XXXX XXXX first installment in the amount of {$2000.00} on XX/XX/XXXX. Please note this payment covers the period from XX/XX/XXXX to XX/XX/XXXX. Title companies will typically prorate the tax payment between the old owners and the new owners. Any payment received after we applied this payment would have been returned.
> > > > On XX/XX/XXXX a XXXX supplemental tax bill was issued in the amount of {$100000.00} due to an increase in assessed value from {$300000.00} to {$460000.00} for the period of XX/XX/XXXX to XX/XX/XXXX. The first installment in the amount of {$500.00} was assessed a 10 % penalty ( {$50.00} ) because the payment was not received before XX/XX/XXXX.
> > > > > > > > > > > > > > > > > > From : XXXX > Importance : High > > > > > > Hi, > > > > Please help.
> > > > My husband and I purchased our home during the last week of XXXX in XXXX.
> > > > Even though we had just moved in, we paid the previous owners ' property taxes in full. We even received a letter in the mail, telling us we'd " overpaid, '' and were eligible for a waiver, seeing as how we had just taken over the property.
> > > > I proceeded to fill out the form and mail it back.
> > > > I had never heard anything else and only received our tax bill for this year, which is current with the next payment due in XXXX.
> > > > Last week, we got a letter from our banking institution, alerting us that over {$500.00} was past due on our property taxes and needed to be paid right away. I have CC 'd them in this Email.
> > > > When I went online to make the payment, not understanding what it was for nor why it was owed, when I had paid in full the previous year and was never notified of anything except a potential credit. There was over a {$500.00} fee for both term one and term two, resulting in a past due fee of over {$1000.00}?
> > > > I am curious where this came from, why it is owed, why we were never made aware and how our banking institution was notified but not us?
> > > > We pay our own taxes, as it is not a part of our mortgage payment. What am I missing?
> > > > Please find payment receipts attached. Please also alert us if there is a potential credit we are entitled to?
> > > > It has been a difficult 2 years with my XXXX diagnosis financial aid and were completely unaware there was any balance past do what so ever.
> > > > Matter of fact, we were under the impression due to the potential credit letter we had received that we had initially overpaid? Please help? Thank you very much.
> > > > Best, > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > > > > For XXXX/DOEVENMUHELE : > > > > PLEASE note our address is XXXX, CA NOT XXXX, CA, as we have received mail with this address on it?
> > > > *Note to XXXX, XXXX, Et. Al. : we love XXXX but since the switch to dovenmuehle loan processors, we have had nothing but problems and WILL refinance with another lender, as there is very segmental communication between ourselves, XXXX, doevenmuhele and XXXX XXXX county.
> > > > Do you have an email contact for doevenmuhele? ... ..
> > > > So, because the previous owners paid late ... .we are being penalized???
> > > > Help me understand?
> > > > I mean, my husband can not even walk into the bank and get any info because my FATHER, whom we have taken off of our account, several times is still joint, which should : > > A. Be gone. I took him off when my husband and I were married.
> > B. Has nothing to do with our mortgage > > AND > > C. Neither of us can see all of our information due to the fact only one user is allowed to see account information??????
> > > > Is somebody able to clear up this confusion? Anything would be very much appreciated period.
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| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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Previous Letter From XX/XX/XXXX In response to your letter dated XXXXXXXX XXXX XXXX it is clear in your response that you have zero intention in correcting your mistakes. If you were committed to fixing the errors you have caused, you certainly have had the time. This issue started after you failed to extend my Forbearance an additional 3 months, AS REQUESTED, till XXXXXXXX XXXX XXXX under the Cares Act. You have had since then to reconcile all mistakes made by your team and adjust ALL balances and PAYMENTS as requested and required to bring the account in balance. You are in ERROR in stating that I transitioned from a Forbearance program and into a Deferral program on XX/XX/XXXX. Again, your representative STATED that a program did exist and that I could quality for a debt reduction and well as a possible interest rate reduction, however, I was under the FULL understanding and mindset to pursue an additional 3 Month Forbearance Extension, as it was MY RIGHT to do so under the Cares Act until XXXXXXXX XXXX XXXX, and NOT to pursue and agree to alternative programs suggested by your representatives that would negate or override the rights to the already Enrolled Forbearance program. Any mistakes in communication were on You as a Bank as well as the Representatives that represent your Bank and the options and program details available for that program. Clearly, you have not fulfilled those obligations. If you have PROOF of me verbally, or in writing, accepting with full awareness and details of an alternative program to the Forbearance Program under the Cares Act, you are hereby being DEMANDED to provide LEGAL IRREFUTABLE PROOF of it as well as PROOF that I understood what I was agreeing to and the process that would unfold under that program.
You are Again, being DEMANDED to : 1 ) Adjust ALL PAYMENTS to PAID ON TIME, as I have clearly provided INDISPUTATIVE proof of. 2 ) Remove any NEGATIVE erroneous reporting that you have initiated to the Credit Bureaus. 3 ) You have also been sent an invoice bill that is to be paid immediately, for fraudulent charges, fees, and recovery amounts for the lengthy errors and mistakes that have been made by your bank. I suggest you take this matter seriously!! If there is not an equitable REAL relief to this matter, I will continue to adjust for further recovery & suffering of this matter. Please keep in mind that it is my belief, that this is a FAIR remedy that will be much more inexpensive on you should I pursue other Legal methods for Recovery.
1/6/2023 FACTS.
1 ) I am DEMANDING PROOF of the Calls made to United Community Bank concerning my request for a FORBEARANCE EXTENTION under the Cares act in 2020. You have failed to acknowledge this request or address it. If you are standing by what your claims are then PROVE IT!! Sending me paperwork for what I already know ; an initial Forbearance Request in XXXX, and not the follow-up request or proof that it did not exist as I have requested numerous times is simply avoiding your responsibility to that request. A call was made to you requesting the Forbearance Extension ( Recorded ) and it was verbally granted over the phone. You have been asked to make the necessary changes you have clearly made mistakes on concerning that large error made by your company but repeatedly avoid, deny, and make false, fraudulent claims about concerning the matter. This is unacceptable and you WILL be made responsible.
2 ) You have caused substantial irreputable harm to both my credit and my ability to obtain additional credit by fraudulently reporting incorrect information to all 3 credit bureaus. Facts I have NEVER been late on ANY payments ( Outside of My Rights Under the Cares Act ) on the History of this Loan. You have been sent proof of this numerous times but continue to cause malice harm financially to me by avoiding and denying proof of all payments consecutively made throughout the life of the loan. You have been billed well below the amount of what costs could be incurred and imposed on you should other avenues for recovery be taken. I strongly encourage you to take the invoice seriously and make the full payment as it has been assessed and determined to be more than fair and reasonable based on the circumstances.
UPDATED : XXXX Yet again.. The proof has fell on Deaf Ears. Your Bank & Institution is Committing Fraud and Committing Clear Federal Crimes. I have alerted you to the facts of your errors in an effort for you to fix the clearly pervasive and intentional attacks. I have DEMANDED to you.. if you have Proof That there was a late payment PROVE IT!! you have not. I DEMANDED to you.. Provide the phone conversation in either transcript form or audit that I DID NOT intent to extend the Forbearance Program under the Cares Act in XXXX XXXX XXXX and you REFUSE to Provide It. Please understand that you are not going to win this battle, and your continuation to blatantly lie will NEVER wear me down from going after the money that you have stolen from me as well as the damage you have caused financially to me that I will recover from you.
UDDATED : XXXX 6 Months Later ..... I requested UNITED COMMUNITY BANK on XXXX to provide proof of Phone Call interactions to reveal ALL INFORMATION concerning my conversations that took place that are PROOF that I did NOT enter into ANY alternative payment programs OUTSIDE of the FOREBEARANCE program under the CARES ACT. Their direct reply to me was that the information was either non-accessible or would NOT be provided to me. This Bank is HIDING information and NOT WILLFULLY engaging in any reconcilable solutions that is required from them to with any good faith, reach a suitable resolve. In Fact, this bank has continued to attach erroneous, fraudulent fees to my mortgage account ; they have engaged in illegal direct attacks toward me by soliciting my phone number, engaging in direct threats and then after the phone calls, have within 5 minutes of the ending phone call, called me back from non-traceable phone numbers to threaten harm against my life. There is also major concern that this company has misallocated funds, used unethical accounting practices, and have disguised receiving principal / interest funds by means of multiple debit/credits that appear to be against normal accounting practices. This Bank Institution has caused irreputable harm to me financially, as well as has caused XXXX since the origin of this matter in XXXX XXXX. I am requesting direct assistance from CFPB to do a complete AUDIT of this companies accounting practices and to do a thorough internal investigation. I am seeking Attorney assistance as well to provide relief from the Harm this Bank Institution has caused since their hard-lined attacks and responses are clearly pervasive and of an intimidating manner. I would appreciate any assistance CFPB can provide to bring justice to the illegal practices of this bank institution.
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| 05/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I purchased a house from XXXX XXXX. This was my first house and I was not aware of all the things that went into purchasing a home. A friend of mine had a realtor they recommended and so from that suggestion, I gave her a call. I found her to be pleasant and she seemed very helpful. She works often with XXXX XXXX XXXX XXXX ( XXXX ) and that is who she chose to handle my loan.
XXXX began to collect bank statements, run my credit, the works. What I didnt know, was they would have me pay off credit cards in order to get approved for the loan, money I was looking to put down on my house. There were so many things I had to pay off before I could qualify. Now this is fine, but this is the start of information they did not disclose to me. XXXX disclosed information in parts, to where it would seem I had no choice but to move forward with their recommendation. They prepared my loan and shipped it off to the highest bidder. I know this is now part of the business now, but I feel someone should have disclosed to me that I had more options than what they presented. I was approved for the loan and I have been the happy homeowner of my house for the past year and 6 months.
Since then, Dovenmuehle has picked up my loan from XXXX and I have continued making my regular monthly payments, never late I might add. On XX/XX/XXXX of XXXX, I received a letter from Dovenmuehle staying they have not received proof of hazard insurance and they have purchased a policy to protect their interest on the property. It also advised that if I had purchased a hazard insurance policy that they would cancel the policy they obtained. This letter came as a surprise to me. During the process of getting approval for the initial loan, I was required to provide a quote to XXXX of the homeowners insurance that I was wanting to use for my home. I provided such quote from XXXX and was under the impression that the policy was purchased and was in effect for the past year and six months. Still confused, I contacted Dovenmuehle, the rep I spoke with stated that there was no hazard insurance on the property. I asked how this could be possible as I provided XXXX information when I had closed on the loan and they stated that a policy was never purchased. I asked how it was possible that a year has gone by without anyone noticing and the rep was speechless at this point. She disclosed that audits get done every XXXX and advised that one was never done on this account and stated, we forgot about you. Now, to my understanding, they are required by law to audits. Furthermore, I am not sure how I was able to close on the loan when a homeowners policy was never purchased, also a requirement to my knowledge. I never once received one email, one phone call, or letter from Dovenmuehle advising me of not having hazard insurance until XXXX of XXXX, more than 1 year later.
This began the process of me searching for answers. I pulled out my closing documents and saw that it spells out word for word in the breakdown I was being charged {$560.00} for Homeowners Insurance Premium ( 12 mo. ) to XXXX XXXX XXXX XXXX and the next line indicates {$140.00} also for Homeowners Insurance {$47.00} per month for 3 mo. Where did this money go if it did not go to a homeowners insurance policy? I also pulled all my monthly mortgage statements to review. Every month for the past year, according to my statements, {$230.00} has been allotted for Escrow ( taxes and insurance ) but I am not sure where that money has gone if no insurance policy was ever purchased.
Since this homeowners policy was purchased by Dovenmuehle, as of XX/XX/XXXX, I am being required to pay an additional $ 200+ a month of back-payment because they advised I must pay for not having insurance on my home for 14 months. What happened to the money that was allotted for Escrow over that past 14 months? Where did that money go?
I have been told by XXXX as well as Dovenmuehle, which this almost never happens. Ok great, but I am still stuck with paying extra each month until I meet the forced insurance, which is around {$1500.00} and some change. Either way I am still confused on how I got into this position. I have never missed a payment I have never been late on anything. Why did I not have insurance? How did my account get out of underwriting with no insurance? What would have happened if something catastrophic would have happened to the house?
Around XXXX or XXXX, I received a call from XXXX XXXX from XXXX about refinancing my loan. I was familiar with XXXX, as he was the one who handled all the documents and closing when I initially received my loan from XXXX.
Now this is where things get interesting with XXXX In one of the calls I received from XXXX, I asked him what happened to my homeowners insurance, he advised he had no idea but would investigate the matter and get back to me with some answers. This would go on for about three weeks of him getting answers. XXXX never explained what had happened but advised that he would get my money reimbursed. He told me that he would send me a check in the amount of {$560.00}. I mentioned to XXXX how I had to pay more now for my mortgage because there was no hazard insurance on the house for the last year, but he still seemed more interested in still having me refinancing with XXXX. He then continued to call me every other day to get me to refinance my home, I quit answering my phone and to date, I never received that promised check.
I was still confused as to where my money had gone and decided to contact the title company, XXXX XXXX. I spoke with XXXX XXXX and she said she would look at the information for me. Right off the bat, she noticed that XXXX never sent my check for {$560.00} anywhere and it sat. She investigated things a little further and noticed that the original breakdown of my mortgage was off. States that whoever put the numbers together for me did not have enough coming out for a few things.
Now this may explain why I am in the hole, but I am just not sure anymore. I dont know who is telling me the truth about what happened. Did XXXX notice this and just not tell me? I dont know, but he never brought this to my attention. I dont find any of this to be fair, I got the short end of the stick. I turned in every document they asked me for, I paid off debt they asked to pay before closing, I took XXXXs and Dovenmuehles advice, and it has not been in my best interest. I did my part ; I have never missed and payment and still have not missed a payment despite having to pay {$200.00} more each month because of XXXX/Dovenmuehle mistake. I can honestly say is has been a struggle to come up with the extra {$200.00} a month. Its XXXX near been impossible with the COVID-19 going around. I am down XXXX jobs, but still holding up my end of the deal. I do not feel XXXX and Dovenmuehle treated me fairly in this matter and frankly, no one seems to care.
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| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am a homeowner in XXXX XXXX, SC. We bought our home on XX/XX/XXXX. Our mortgage company is Dovenmuehle Mortgage , Inc .
Almost one month to the day after we closed on and moved in to our home, Hurricane Florence hit. We were forced to evacuate as the forecast called for a Cat 4 hurricane with catastrophic storm surges. We evacuated to XXXX XXXX, NC. We were blessed and did not experience the catastrophic damage that so many others did, but we did have some roof, tree, debris and yard flooding damage. As compared to so many others, our damages were minimal, and we were able to come back / live in our home 4 days after it made landfall.
We initially made the decision to pay for the handful of missing shingles / roof repair, the debris clean up and also absorb the additional $ 1,000+ it cost us to evacuate. Basically, we did not intend to make an insurance claim or seek a forbearance plan with our mortgage company. However, Dovenmuehle contacted me directly, unsolicited, in the fall of XX/XX/XXXX offering me the opportunity to enter their 3-month forbearance plan. I declined, they called again in a few days with the same offer and I declined again. They called AGAIN a few days later, at which point I spent almost 90 minutes on the phone with them, asking how the forbearance plan worked, explaining that we would not be interested if this forbearance plan could in any way damage our credit, if the 3 months of deferred payments would in any way accrue any interest, penalties or other charges and if it would add any additional dollars to our mortgage. They explained that it would not affect our credit, would not add any additional dollars to our mortgage that after the 3 months of forbearance we would simply begin making our mortgage payments again as we had before and that the 3 months of deferred payments would just be added to the back end of the loan. They sent a LENGTHY, confusing legal jargon forbearance agreement for us to sign and return, which we did.
Our mortgage payments from XX/XX/XXXX to XX/XX/XXXX were supposed to be deferred to the back end of the loan and we supposed to / expected to just start making our normal monthly payments on XX/XX/XXXX. 2 weeks before XX/XX/XXXX we received a LOSS MITIGATION / LOAN MODIFICATION AGREEMENT from Dovenmuehle which was NOT as per the agreed upon forbearance plan. It basically said we were 3 months delinquent on our mortgage, had been referred to their loss mitigation department and were at risk of foreclosure. It also said that we needed to respond by a certain date to avoid FORCLOSURE PROCEEDINGS. I immediately called Dovenmuehle, they told me not to worry, it was just their computer system and that I would just start making my normal monthly mortgage payment on XX/XX/XXXX. When I went online to pay my mortgage payment on XX/XX/XXXX, I discovered that my access to pay online was suspended and that I had to contact loss mitigation for further assistance. I have been forced to make my payments over the phone, which they charge me {$11.00} for each time. In addition, their computer system does not show the loss mitigation folks the payments I have made since XX/XX/XXXX, so they continue to show us several months behind!! Our mortgage payments were {$2300.00} but we were paying {$2400.00} with the difference going to principal. Now when I pay {$2400.00}, they take {$11.00} for the pay by phone!!! I am still unable to use the online payment portal that cost me nothing additional.
I have spent no less than a total of 8-10 hours on the phone with Dovenmuehle loss mitigation since mid-XX/XX/XXXX and have been battling / arguing with them that we are NOT behind / delinquent on our payments and that they solicited us repeatedly for their natural disaster forbearance program. I get a different story and feedback every time I am able to get anybody on the phone. Most of them have been very rude and disrespectful. We just received a loss mitigation package ( was sitting at our front door on the morning of XX/XX/XXXX ) that shows they have added nearly {$10000.00} to our total loan amount ( {$5500.00} Accrued Interest and {$4200.00} Advanced Escrow and {$14.00} property preservation expenses )!! Dovenmuehle is not giving us credit for the nearly {$14000.00} we have paid towards our mortgage since XX/XX/XXXX.
Our original mortgage as of XX/XX/XXXX was {$320000.00}. We have paid nearly {$14000.00} to date towards that ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We understand the vast majority of that has gone toward interest. The Loss Mitigation Agreement we just received has the new mortgage amount as {$320000.00}, which means that not only has the nearly {$14000.00} we have already paid not been accounted for / not credited to our loan, but they have added an additional {$7100.00} to our total loan amount!! That is a loss to us of {$21000.00} ( not including interest ). This can not be legal. We were solicited by them and tried to tell them no. They hounded me, convinced me it was a good thing and would help us financially, ease the financial burden caused by the hurricane. Had they not called me repeatedly, I would never have done any of this. They are treating us like we are deadbeats and behind on our loan due to negligence and are basically stealing tens of thousands of dollars from us, under the threat of foreclosure!!! We were repeatedly solicited by Dovenmuehle and sold on a NATURAL DISASTER FORBEARANCE PROGRAM, but were placed in a LOSS MITIGATION / REPAYMENT PLAN that is for people that are negligent or simply delinquent on their mortgage payments.That is NOT us!
I am a senior executive with a large engineering and construction company, have been fairly successful in business and take my financial obligations very seriously. I believe that Dovenmuehle is engaged in a fraudulent bait and switch scam, targeting those adversely affected by natural disasters. They are banking that people will not question them, will not push back. Unfortunately, I can not afford an attorney to fight this, which I suspect is the case with most homeowners and consumers.
We must sign, have 2 copies of the lengthy loss mitigation agreement notarized and returned to Dovenmuehle Loss Mitigation by XX/XX/XXXX or they will start foreclosure proceedings! Since receiving this LOSS MITIGATION AGREEMENT on XX/XX/XXXX, I have repeatedly tried to call the ( XX/XX/XXXX) XX/XX/XXXX number listed on the cover page. There is never an answer, it rings several times then just disconnects.. I do not want to sign and return it because it is not what we agreed to and is stealing {$21000.00} from us! I want them to honor the forbearance program we agreed to, which I have abided by.
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| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is with XXXX XXXX XXXX, who transferred it to Dovenmuehle Mortgage , Inc. for servicing. In XX/XX/XXXX, I got an annual escrow analysis disclosure statement. On this statement, the company address and phone number are listed on the document as being with " XXXX XXXX XXXX, '' however, the number and address are both for Dovenmuehle Mortgage , Inc. XXXX XXXX XXXX, IL. My first complaint is that I feel this is misleading. Dovenmuehle and XXXX should be clear about which company owns the mortgage and which is " subservicing '' it, and not conflate the two. I initially called XXXX XXXX XXXX for answers and was directed to call " the servicer, '' which according to this document, is XXXX XXXX XXXX, but with a different address and phone number.
On the XXXX XXXX escrow disclosure, included in the breakdown of monthly payments and disbursements for XXXX, there were two annual property tax charges listed as " CITY TAX. '' The combination of both these charges nearly doubled my expected annual property taxes. Because of this extra tax payment, my escrow account is now in a negative balance, and to recoup this debt and rebuild the escrow to a level that could cover a very large newly expected tax assessment for XXXX, the statement informed me that the monthly amount I owe on my mortgage payment will increase by nearly {$1000.00} per month, something that is not financially sustainable for my family.
The home we are mortgaging was purchased in XXXX of XXXX, and I haven't ever had a property tax payment before. I didn't question the amount at first, but was upset that during the mortgage origination and at signing, the escrow calculation was off by a factor of nearly 100 %.
When I first called Dovenmuehle in mid-XXXX ( I believe it was XX/XX/XXXX, but I am not sure what exact date ), it was to inquire about why my monthly escrow payment was initially caluculated so low and why there were XXXX charges listed in the escrow disclosure. A clearly under-trained customer service rep claimed that this is a very common occurrence, that the monthly escrow payment calculation was made with the best information they had at the time, and that one tax charge on the disclosure statement was a city tax, and one was a county tax. I was also informed that the only thing I could do to stop my monthly payments from going up by {$1000.00} per month was to pay more than {$6000.00}, and that they would not accept any smaller amount of " downpayment '' to help rebuild the escrow and lower monthly payments. Dissapointed and worried we might lose our new home, I thanked her and ended the call, and did a bit of research.
After checking the XXXX tax assessor website myself, I discovered that the amount assessed on my annual property taxes was listed as the first charge on the escrow disclosure ( roughly {$5500.00} XXXX and indeed paid, but there was no additional `` county tax, '' or anything else I could find online to explain the additional $ XXXX tax charge listed -- the same charge which caused it to go into a negative balance and subsequently make my mortgage go up by an extra {$1000.00}.
I called Dovenmuehle again. A much more informed and helpful customer service rep advised me that tax assessors to sometimes make mistakes, and to check with the tax assessor to ask them about the mysterious extra charge.
Upon calling the local tax assessor and the XXXX XXXX treasurer, I discovered that the city has no record of this " extra '' amount being paid from Dovenmuehle. They do have a record of the correct annual amount of taxes being assessed and paid in full by Dovenmuehle. The city XXXX then asked for me to request a copy of the check that Dovenmuehle paid this mysterious extra $ XXXX tax amount to be sent to them, so that they can try to search for it and to discover if it was ever cashed.
I contacted Dovenmuehle for the third time that day in XXXX. I notified the helpful customer service rep of the apparrent error of the mistaken tax payment, and told them I could not afford an extra {$1000.00} on my monthly mortgage payment. That customer service rep said not to worry, that they would " expedite '' the " investigation '' process into this matter, and that it would take between three to ten business days to resolve. I informed them that my next mortgage payment was looming and would be an extra {$1000.00}, and the rep told me that they would reimburse me for any over payments once the matter was resolved.
It is now XX/XX/XXXX and I am being charged the extra amount on my mortgage payment. I called XXXX today to ask about the status of their investigation into this error, and a customer service rep said that there is no update on the file, and that they would " open the file, '' and " expedite '' the " research '' process into this mysterious erroneous tax payment of thousands of dollars once again. Frustrated, I then called the XXXX treasurer again to inquire if they had recieved a copy of a check from Dovenmuehle, and they had not. They asked me to call Dovenmuehle again and ask if the check had been cashed, and what the check number was. I did so -- and the only information I could get was that the check number for both tax payments was the same. I asked to speak to a manager, XXXX, and I asked specifically what steps and work had been done to resolve my issue in the previous XXXX weeks. She replied that the file had been opened, expedited, and that a research team was looking into the origin and location of the payment in dispute. Essentially, after two weeks of " expedited research, '' no progress was made in discovering the origin or outcome of this erroneous tax payment of {$4000.00} that is making my monthly mortgage go up {$1000.00} per month, and today I am stuck paying it or risking falling behind on my mortgage payments.
I find it hard to believe that a company like Dovenmuehle with a long history and servicing mortgages across the USA has such poor business practices that they included an erroneous tax payment in my escrow analysis disclosure before even verifying that such a payment was recieved by the XXXX treasurer. I have since discovered that there are hundreds of serious complaints and negative online reviews on XXXX, XXXX, the XXXX XXXX XXXX website, and others. Many aren't just frustrated customers angry at poor customer service, but rather seem to involve, at best, questionable business practices, and other seem to be outright fraud. I am starting to suspect that this tax charge " error '' was deliberate fraud of some sort.
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| 08/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is subsequent to one other ( XXXX ) filed on XX/XX/XXXX.
The servicer for my mortgage, Dovenmuehle Mortgage , Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX, Phone : XXXX ( XXXX ) XXXX, has once again failed to follow through on promises made over the phone. That being to correct the accounting error they made while curing my outstanding forbearance with a deferment, during the month of XXXX of XXXX, and process a flex-loan modification so that my mortgage payment is affordable, and commensurate to my current income.
It has been over year since I submitted my requested to have a Flex Modification loan upon the close of my forbearance ; and over 120 days since I was told that a loan modification was submitted on my behalf ( XX/XX/XXXX ).
However, as of today, no loan modification has been processed. On the contrary, the mortgage servicer continues to string me along and find ways to increase my mortgage payment. As of today, they are demanding {$320.00} above what my normal mortgage payment was at the onset of my forbearance plan back in XXXX of XXXX. Their tactics are grossly stifling my efforts to stay current with my mortgage loan.
Most recently, Dovenmuehle convoluted the issue by telling me, in writing I could make a payment of {$910.00}. This payment was supposed to have satisfied both my principle and interest payment for the month of XXXX. However, on XX/XX/XXXX, I received a collection letter stating that my XXXX mortgage payment was delinquent, along with XXXX payment, despite the fact that the delinquent date for XXXX would not be until the XXXX. It may be important to state that I had not made a payment for XXXX because I was promised a loan modification package would arrive in the mail for my approval. Not a collection notice.
The letter went on to state it was a legal document. Yet I do not understand how it is legal for an financial institution to tell the consumer, a payment of a specific amount will satisfy a mortgage payment in one instance, and then delinquent the next. This type of deviant communication and moving of the goal post can not possibly be legal in any way.
In summary, not only has this institution miscalculated and processed a deferment arbitrarily. They have now resorted to using trickery to cloud my payment history so that I will have negative marks on my credit report, and damage my ability to seek a refinance in the future once I have recovered from the COVID-19 pandemic status. They are literally manufacturing escrow shortages and misappropriating my mortgage payments.
The documents attached to the company 's response are unsatisfactory. Although the cover letter dated XX/XX/XXXX, was delivered by way of my mortgage lender, several weeks ago, the content of the letter was riddled with inconsistencies. It did not resolve the issue at hand. That being the improper handling of my mortgage forbearance curing and deferment. As well as the erroneous increase of my mortgage payment by roughly {$200.00}. Attached to the document was a facsimile of a worksheet that had been drawn up on XXXX XXXX and posted within a third party website ( XXXX ). Where it sat undiscovered for months. I never received a mailed copy of the Deferral Agreement. To include a copy of it along with their response is disingenuous and does not represent the facts. By XX/XX/XXXX, the date of the miscalculation of my Deferral payment plan, the numbers and calculations shown on the Payment Deferral Agreement dated XX/XX/XXXX ( pages 4-6 ) were by it's very nature, out of date and should not have been used to calculate any deferral that did not go into effect until 90 days later.
According to the XXXX XXXX Guidelines, it was the duty of the Servicer to bring my mortgage to a {$0.00} balance before submitting any dollar amounts for deferment. My mortgage was to be current before initiating a deferral of my suspended payments. That amount was to then be placed into a 0 % interest loan on the back end of my amortized mortgage.
It may be noteworthy to mention, I never requested a deferral to cure my forbearance in the first place. From day one of my first contact with the loss mitigation department, I requested a Flex Loan modification be used to cure my forbearance. I was told in XXXX of XXXX, once my forbearance had run it's course, a loan modification package would be sent out to me for review. If at that time, I agreed with the offer/terms and could afford the new payment plan, all I would need to do is sign and return the offer.
Again, I never requested a deferment. This method was chosen arbitrarily by the servicer, and was done so in such a half-hazard fashion that it manufactured an erroneous escrow shortage. This failure of duty on the financial institutions part has placed an undue hardship upon. The affordability of my home is now in jeapordy.
On XX/XX/XXXX, I spoke with a loss mitigation representative by the name of XXXX. During our conversation he made it seem as though he understood how the shortage within my escrow account originated. He confirmed that the Deferment was not only miscalculated, but was initiated too early within the process. My Forbearance was not set to complete until XX/XX/XXXX. However, according to XXXX, and one other escrow agent, the deferment loan was initiated on XX/XX/XXXX, at lest 21 days too early.
Contrary to what is stated in the response letter dated XX/XX/XXXX from Dovenmuehle, the deferment was not processed according to XXXX XXXX Guidelines.
Prior to my discovery of Dovenmuehles mistake, I submitted an additional {$200.00} directly to my escrow account, in order to create a surplus and help lower my monthly mortgage payment. Their error has technically wiped out all of the benefit I sought to create for myself by having a lower, more affordable mortgage payment.
In closing, it is important to note that I have a medical condition that is currently under regular doctor 's care. I have a XXXX XXXX within my XXXX XXXX and whenever I am forced to sit for prolonged periods of time, I risk injuring myself. Having to take time out of my day to sit on the phone for hours on end during these past five months, and now my having to sit and write detailed complaints about this matter is causing me pain and XXXX XXXX XXXX to one of my legs and foot.
It would be a great relief for me to be able to see a resolve to this issue soon.
Best regards, XXXX XXXX, Consumer
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| 05/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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HOW COULD YOU CLOSE THE CASE WHEN THE ANSWER THE COMPANY GAVE YOU IS WRONG. I AM STILL OUT OF MY MONEY!!!
I have made several complaints before with you consumerfinance.gov ( CFPB ) regarding Dovenmuehle Mortgage. The company has provided erroneous information to your office which you received as truth and failed to verify. On On XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX ; XXXX License # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claimed that they were servicing the loan for XXXX XXXX XXXX XXXX XXXX of the representative from XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX sent XXXX XXXX as well as I the Mortgage Clause as well as a letter to remove XXXX XXXX XXXX XXXX and add Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX. This can only be done when the mortgage is sold. I had no previous knowledge nor did I sign any document of such acceptance. The only mortgage purchase I made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX violates my consumers ' right to know and you CFPB has allowed them to get away with murder. This is why these mortgage companies feel they have the right to ILLEGALLY FORECLOSE ON Consumers ' homes. Consumers are caught in the crossfire because they DO NOT know who to send the payments to. No wonder the HOMELESS Rate in America is High. I sent {$13000.00} in payments to XXXX XXXX XXXX ; Payment Processing Center XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX thru XXXX XXXX Bill Pay from XX/XX/XXXX-XX/XX/XXXX which was not applied to my account. Instead, the money was placed in a dead account and sat there for almost two years. Dovenmuehle Mortgage Inc, who claimed to be the Mortgage Servicer, sent Form XXXX for IRS showed two payments were applied but XXXX XXXX XXXX records showed differently. My XXXX showed that Dovenmuehle Mortgage INC applied the money to attorney & corporate fees and intentionally reported the wrong information to XXXX XXXX XXXX who in turn filed for Foreclosure even after receiving {$13000.00}, which they never applied to my account. To top it off XXXX XXXX XXXX technically did not own the loan since it was sold to Dovenmuehle Mortgage INC. The statements shows 2nd Mortgage. Dovenmuehle Mortgage INC could not file for Foreclosure since they did not own the mortgage. How do I know that they purchase the mortgage, XXXX sending the information to XXXX to remove XXXX XXXX XXXX and replace them with Dovenmuehle Mortgage INC. I never signed any promissory note with Dovenmuehle Mortgage INC. After spending unnecessary money to hire an attorney to represent me with the foreclosure, sleepless nights, incurring hospital bills, XXXX XXXX XXXX after almost two years in XX/XX/XXXX returned {$9600.00} leaving a balance of {$3900.00}, which was never applied to my account. XXXX XXXX XXXX sent you, CFPB letters claiming that they have returned the money but to date XXXX XXXX XXXX has no proof except a letter to say that the money was returned. However, they have proof for the {$9600.00}. Letters are not acceptable proof. A copy of a cashed check which would be verifiable proof is the ONLY ACCEPtABLE PROOF. I have written several letters to NJ Department of Banking & Insurance ; the Consumer Finance Protection Bureau ( CFPB ) regarding the money not credited to my account. After making a complaint to the CFPB and NJ Dept of Banking and Insurance bureau, and because I did not accept the terms of the loan modification, in an effort to force me to accept the modification, Dovenmuehle Mortgage thru XXXX XXXX XXXX XXXX file foreclosure on the property XXXX XXXX, XXXX XXXX XXXX XXXX XXXX their attorney XXXX XXXX which was then taken over by XXXX XXXX. I presented proof to the attorney 's office of the payments, but they refuse to look at it or present it to XXXX XXXX XXXX since they told me I can only talk to them thru the attorney. My payments were never returned except for the XX/XX/XXXX payment for {$9600.00} ( See attachment below ). Some were put into a Suspense Account ( See Reinstatement Quote ) and others were used for Corporate Fee Advancement. I requested a reinstatement quote and they refuse to provide one until XX/XX/XXXX where the attorney fee was {$3000.00} plus after I hired an attorney. They refuse to explain why the fees was so high and keep putting the attorney off until he threatened to sue them. I continue to write complaints to CFPB, then I received two other pay off quotes. The only difference was the property inspection. I went to XXXX XXXX and got a cashiers check for {$31000.00} ( {$21000.00} for P & I ; Late Fee {$310.00} ; Property Inspection : {$330.00} ; Attorney Fees {$10000.00} ; {$500.00} to Suspense Account ) paid XXXX XXXX XXXX thru XXXX XXXX who didn't want to take the money but finally did after an hour of insisting. She, XXXX XXXX got the run-a-round from the bank before taking the check. It was credited to my account on XX/XX/XXXX and the discharge was done XX/XX/XXXX filed by XXXX XXXX XXXX, XXXX XXXX from XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Attorney for the Plaintiff. I received my IRS Form XXXX and the attorney fees for {$10000.00} ; Code 173 ( no explanation ) is listed as Misc Expense ; the Property Inspection fee of {$330.00} is listed as other ; Dovenmuehle Mortgage who claimed on my IRS Form XXXX to be the Servicer for XXXX XXXX XXXX charges me for Corporate Advance on XX/XX/XXXX code ; 632 three times ( {$35.00} ; {$22.00} & {$9.00} ) ; After my reinstatement, I was forced to pay an additional mortgage payment on XX/XX/XXXX for {$700.00}, It was not applied to my account as a payment, instead, it was used to pay for Corporate advance code 172 on XX/XX/XXXX for {$40.00} & {$250.00} on XX/XX/XXXX for Corporate Advance ST as well as a late. There should be a law passed that FORBIDS Mortgage Corporation from robbing consumers with such outrageous attorney fees like XXXX XXXX XXXX XXXX charged me ( {$10000.00} ) plus my own personal attorney fee to get back ones property. XXXX XXXX XXXX held {$13000.00} and fail to pay me interest. Attached you will find the XX/XX/XXXX & XX/XX/XXXX XXXX filed by Dovenmuehle Mortgage INC as servicer for XXXX XXXX XXXX instead of as the Mortgage Company. The {$10000.00} attorney fee, which was a means to prevent me from keeping my home was listed on my XXXX as MISCELLANEOUS!!!!
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ ; XXXX ; NJ License # XXXX ; XXXX XXXX sold the mortgage to Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX on XX/XX/XXXX without my knowledge or me signing any document since I did n't accept the loan modification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX, who claimed to be servicing the loan for XXXX XXXX XXXX XXXX sent documents to XXXX, my insurance company along with a Mortgage Clause to remove XXXX XXXX XXXX and replace with Dovenmuehle Mortgage INC. This can only be done when the mortgage is sold. None of my XX/XX/XXXX-XX/XX/XXXX, I paid XXXX XXXX XXXX : Payment Processing Center XXXX XXXX XXXX ; XXXX PA XXXX ; XXXX thru XXXX Bill Pay were applied to my account. My Form XXXX showed it was applied but their records show differently According to XXXX XXXX XXXX they returned the money. I wrote several letters to NJ Department of Banking & Insurance ; the Consumer Finance Protection Bureau ( CFPB ) regarding the money not credited to my account. After my complaint to the both bureau, and I did not accept the terms of the loan modification, in an effort to force me to accept the modification, Dovenmuehle Mortgage file foreclosure on the property thru XXXX, XXXX XXXX XXXX XXXX thru their attorney XXXX XXXX which was then taken over by XXXX XXXX. I presented proof to the attorney 's office of the payments, but they refuse to look at it or present it to XXXX XXXX XXXX since they told me I can only talk to them thru the attorney. The money was never returned as per their letter except for the XX/XX/XXXX payment for {$9600.00} ( See attachment below ). Some were put into a Suspense Account ( See Reinstatement Quote ) and others were used for Corporate Fee Advancement. I requested a reinstatement quote and they refuse to provide one until XX/XX/XXXX where the attorney fee was {$3000.00} plus after I hired an attorney. They refuse to explain why the fees was so high and keep putting the attorney off until he threatened to sue them. I continue to write complaints to CFPB, then I received two other pay off quotes. The only difference was the property inspection. I went to XXXX XXXX and got a cashiers check for {$31000.00} ( {$21000.00} for P & I ; Late Fee {$310.00} ; Property Inspection : {$330.00} ; Attorney Fees {$10000.00} ; {$500.00} to Suspense Account ) paid XXXX XXXX XXXX thru XXXX XXXX who did n't want to take the money but finally did after an hour of insisting. She, XXXX XXXX got the run-a-round from the bank before taking the check. It was credited to my account on XX/XX/XXXX and the discharge was done XX/XX/XXXX filed by XXXX XXXX XXXX, Esq XXXX from XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ; Attorney for the Plaintiff. I received my IRS Form XXXX and the attorney fees for {$10000.00} ; Code 173 ( no explanation ) is listed as Misc Expense ; the Property Inspection fee of {$330.00} is listed as other ; Dovenmuehle Mortgage who claimed on my IRS Form XXXX to be the Servicer for XXXX XXXX XXXX charges me for Corporate Advance on XX/XX/XXXX code ; XXXX three times ( {$35.00} ; {$22.00} & {$9.00} ) ; After my reinstatement, I was forced to pay an additional mortgage payment on XX/XX/XXXX for {$700.00}, It was not applied to my account as a payment, instead, it was used to pay for Corporate advance code XXXX on XXXX/XXXX/XXXX for {$40.00} & {$250.00} on XXXX/XXXX/XXXX for Corporate Advance XXXX as well as a late fee on XX/XX/XXXX ;. My total payments for XX/XX/XXXX was {$32000.00}. Other Misc charges other charges for {$180.00} on XX/XX/XXXX unexplained ; These are the payments thru XXXX, until today, even though I was charged that ridiculous fees for attorney and the loan was out of foreclosure in the courts, XXXX XXXX XXXX charged me additionally for attorney fees in XX/XX/XXXX and again in XX/XX/XXXX outside of what was charged for reinstatement. This is outright robbery and they should be investigated. I have the documents to move it. How many other single parents and poor people are they doing this to while the government sit back and let them rob the citizens?
Report : Payments for XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Payment Sent Payee Amount Payment Account Status Category XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None Total Paid by XXXX regular checking {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX Paid None Total Paid by XXXX XXXX XXXX {$11000.00} Grand Total : {$12000.00} Note : {$9600.00} check # XXXX dated XX/XX/XXXX cashed on XX/XX/XXXX Note : letters were sent to CFPB claiming that the money was refunded. It took them almost 2 yrs to give back {$9600.00} which was made out to the estate in an attempt to make sure I could n't pay to reinstate the loan. However, {$3200.00} from XX/XX/XXXX has not been applied plus {$5100.00} paid in XX/XX/XXXX which was never applied to my account and listed as either MISC expense ; Corporate Advance for XXXX & Corporate Advance for XXXX In addition, I requested a payoff quote but the one for XX/XX/XXXX has an interest rate of {$500.00} & the one for XX/XX/XXXX is {$800.00} but the principal is still the same even though I made XX/XX/XXXX payment, Information sent from the escrow department show one payment and the website and the customer service representatives have a different figure of {$980.00}. The escrow on XX/XX/XXXX show {$790.00}. It appears that the company is keeping two different sets of books and the right hand does not know what the left hand is doing. I called on XX/XX/XXXX and spoke with a female name XXXX at XXXX who told me in order to get any response I need to fax a letter of dispute for the IRS Form XXXX to the Research Dept XXXX. I asked about the different charges and why I was still being billed for attorney advance fees as if the account was still in foreclosure ( XXXX ) as well as where was the money that was paid for the loss mitigation that was never applied to my account ( {$3200.00} ).
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| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX my spouse and I received a letter from XXXX XXXX stating that we had overpaid our escrow account by {$600.00}. The mortgage was procured through XXXX and sold to Dovenmuehle Mortgage Inc. The overage in escrow was supposed to be paid by Dovenmuehle however the letter made no mention of Dovenmuehle Mortgage Inc. and was written on XXXX letterhead. The letter also stated that the initial check had been mailed XX/XX/XXXX but had never been cashed. My spouse and I never received the check but were concerned that the letter had taken over 18 months to mail. During this time frame between the mailing of the check and the letter dated XX/XX/XXXX we received no other form of correspondence or communications attempting reissue the check for the overage. Our mortgage was refinanced with XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Following the refinance we received a letter from Dovenmuehle Mortgage Inc. stating that the mortgage had been paid in full and was released. At no point from the date the check was originally issued XX/XX/XXXX to today XX/XX/XXXX has our mailing of physical address changed from the address listed on the mortgage. On XX/XX/XXXX my spouse contacted the phone number listed on the letter, XXXX, and was told the escrow overpayment refund was being reissued within 15 business days. The check was never received and we were unable to take any action on the matter until XX/XX/XXXX when my spouse went to the XXXX, CT branch of XXXX XXXX and spoke with XXXX XXXX XXXX who, along with my spouse, contacted the number on the letter and spoke to a representative named XXXX who informed them the check would once again be reissued within 55 business days. My spouse made a note to make contact again in late XXXX or early XXXX of XXXX. On XX/XX/XXXX my spouse once again contacted the phone number listed on the letter and spoke to a representative named XXXX. According to the representative, they had attempted to contact my spouse and myself on XX/XX/XXXX regarding the refund. Neither my spouse or myself received any voicemail, text, e-mail or postal mail. XXXX informed my spouse that the escrow overpayment had been turned over to the State of Connecticut Unclaimed Property Fund due to a lack of ability to return the money. As previously stated, my spouse and I never received any refund in the mail, nor did our USPS informed delivery ever display that any correspondence or refund check was out for delivery. My spouse contacted the Connecticut Unclaimed Property office and provided them with our name, address and the date, check number and amount listed in the original letter dated XX/XX/XXXX. The woman at the unclaimed property office informed my spouse that there was no record of any unclaimed property associated with either my spouse or myself for the amount of the check however if a property ID number could be obtained we could call back. My spouse called back to the number listed on the letter and spoke to a supervisor named XXXX. XXXX informed my spouse there was no property ID number on record. XXXX stated that an investigative team was being assigned to track down the refund. XXXX also stated she would contact us back by phone within 24-48 hours. I contacted Dovenmuehle Mortgage Inc. personally on XX/XX/XXXX and spoke to a representative named XXXX who transferred me to a supervisor. I was informed by the supervisor that the investigative team was looking into why the check had been missing for so long and why it had been turned over to the unclaimed property fund. By XX/XX/XXXX I had received no calls from XXXX or any representative of Dovenmuehle Mortgage Inc. regarding the status of the refund. I contacted a representative named XXXX who informed me the team had discovered the check had not been turned over to the unclaimed property fund and was being reissued within 15 business days. I informed XXXX I required a tracking number and confirmed that the address where the check was being mailed was in fact our current physical and mailing address. XXXX informed me the only person able to obtain a tracking number for me was XXXX and that she was out of the office. I informed XXXX that XXXX was supposed to call my spouse or myself the day before and that neither of us had received a call or voicemail. I provided my telephone number and email address and requested that XXXX contact me first thing in the morning on Monday XX/XX/XXXX. XXXX stated she would email XXXX directly informing her to please contact me Monday morning. On Monday XX/XX/XXXX I received no e-mails or telephone calls from XXXX. I contacted Dovenmuehle Mortgage Inc. again on XX/XX/XXXX and spoke to XXXX. I informed her I was awaiting a call back from XXXX and was told she was with another caller. I was transferred to a supervisor named XXXX. She attempted to contact XXXX and once again was unable to put me through to her. XXXX investigated the matter and informed me the check would once again be reissued in 15 business days. I informed XXXX that I was aware of the law stating that all escrow refunds must be made within 20 business days and that 15 days was unacceptable to me at this time. XXXX contacted the department responsible for reissuing checks and requested the check be send expedited and certified. I was informed that the check should be mailed Wednesday XX/XX/XXXX and received by Friday XX/XX/XXXX. I was also informed that if I called on Wednesday XX/XX/XXXX tracking information would be available. I requested that XXXX contact me by phone or email and provided all contact information. I stressed the urgency of a callback from XXXX as this process has gone on for too long. I have not heard back from XXXX at this time. Overall the source of my complaint is that not only did Dovenmuehle take an extremely long time to attempt to resolve this issue, but the supervisor tasked with handling the problem put in no effort to keep my spouse and myself updated. Ultimately it fell on my spouse and I to obtain all information, having to explain the situation to a different supervisor each time. Dovenmuehle made the entire process extremely difficult and XXXX chose not to return any calls. I am extremely dissatisfied with both XXXX XXXX and Dovenmuehle Mortgage Inc. and would never utilize either company for any banking again.
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| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have had multiple issues with XXXX XXXX XXXX Dovenmuehl mortgage servicer.
Shortly after they bought my loan in XXXX, they failed to pay my city taxes. This resulted in me getting a notice from the city as well as a late fee as they had not received my property tax payment, despite me not having any missing or late payments on my mortgage. I was able to get this resolved by calling the city as well as XXXX XXXX.
This year in XXXX, I have been aggressively making extra payments with the goal of paying off my loan. I have been making a mortgage payment monthly in excess of the amount owed on my mortgage, sometimes making payments up to {$6000.00} in a given month on a {$740.00} mortgage payment. On two months, in XXXX and XXXX of XXXX, I also made an additional payment mid month in addition to my mortgage payment that was due. Despite these being an extra payment and being designed as a principal only payment, these were incorrectly applied as future mortgage payments. I noticed this error originally on XX/XX/XXXX when I called in preparation to pay off my loan in its entirety, but had noticed these errors with previous payments on reviewing my account. I spoke with a representative who told me the error would be corrected within 5 business days of XX/XX/XXXX ; however 5 business days later nothing had been done. I called again, and the correction was made incorrectly such that my XX/XX/XXXX payment ( instead of XX/XX/XXXX payment ) was reversed and applied to principal only and then showed up I had never made a XXXX mortgage payment. Ultimately this took until XX/XX/XXXX to get corrected. Over that period, I got late fees imposed on my account which I was able to call and get reversed. Despite my mortgage statement previously being shown as paid through XX/XX/XXXX, once they made the adjustments and after over a month had passed, it was incorrectly reflected that I was delinquent on a payment. On repeated calls, I was told to NOT pay off my mortgage until the correction to my original payment had been made, but it took over 6 calls and over a month for this to get corrected. Over the week of XXXX, I started to receive multiple calls and paperwork in the mail from XXXX XXXX stating they are attempting to collect a debt I owed, despite being current on payments owed ( I never should have even had a XXXX payment if they had corrected their previous error in a timely manner ) and having paid over {$56000.00} on my loan this calendar year alone! In addition to the stress and inconvenience of being contacted by collections, I am also afraid this could affect my excellent 800+ credit score.
When on XX/XX/XXXX this had finally all been corrected, I called XXXX XXXX / Dovenmuehl in an attempt to make the final payment on my loan. I was told by a manager in the customer service department that if my remaining balance on the loan was less than {$1000.00} then I would not have to make a wire transfer and could simply pay off the remaining balance on the loan either by phone or online through my XXXX XXXX. My current balance on the loan was {$1000.00} so she recommended that I make a payment on the phone with her, which I did in the amount of {$500.00}. The next day I could see the {$500.00} payment was posted to my account, so I called back to pay the remaining {$590.00} as I was afraid of how my payment may get appropriated if I submitted it online. However the representative I spoke to on the phone today XX/XX/XXXX told me it would not be possible to make the payment via phone and that the only way was to submit a wire transfer. I told them that a manager in customer service the previous day had instructed me that if the balance was less than {$1000.00} then I could simply pay it off by phone, but this representative would not reference the previous call and simply told me that was wrong and they had no idea why I would have been told that previously. I was told the only way to pay off my loan was to do a wire transfer by no later than XXXX XXXX that day. So today from XXXX - XXXX XXXX I drove to various banks in my area trying to find a bank with an open appointment slot with a banker who could help me make a wire transfer. After multiple calls and driving around, I was able to find a banker who could do the wire transfer with me that day, but there is a {$45.00} fee associated with a wire transfer that I was previously told I could avoid by making the payment via phone. I went ahead and made the payment with my bank via the wire transfer as I was eager to get my mortgage paid off and had been told by South state that this was what was required to do so.
Later when I called back to XXXX XXXX XXXX to verify this, I was told the initial customer service manager was right that I could have just made the payment on phone, but was instead sent all over town by a different customer service representative that not only provided me with incorrect information but was also extremely rude. Ever since the previous error, payment reversals and corrections, my call automatically gets routed to the collections department and they are obtrusive with transferring you to the correct department to get help.
I am also afraid that I may have paid additional interest beyond what I owed on the loan due to the over one month delay in correcting the error before I was able to make the final payoff.
When I call to XXXX XXXX XXXX, I am instructed to submit a written request and am told there is nothing further they can do.
On multiple calls I have requested a call back from a customer service rep for follow up on an issue and I have never received a call back. On multiple calls I am transferred from department to department, person to person without my consent, this often leads to my call getting dropped or sent to a manager who does not answer and no one calls me back. I am not sure if this is a bad system or a system designed to make customers of XXXX XXXX simply give up trying to remedy errors made by them. I have been very disappointed by inconsistent and incorrect information given to me by XXXX XXXX, and that no one within the company makes an effort to follow up on an issue ; even when it was due to a mistake on their behalf so that the entire burden of correcting the issue is put on the customer.
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| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX my frustration, distress, and lack of trust in Dovenmuehle mortgage came to a head and I reached out to a HUD for assistance. I contacted XXXX XXXX, a HUD certified counselor with XXXX XXXX XXXX XXXX XXXX XXXX who has assisted me with my mortgage concerns from that date and is now guiding me through the complaint process. I had been in a COVID forbearance with my lender, Dovenmuehle, and accrued a {$46000.00} mortgage delinquency during that time.
When the forbearance ended, I was told to submit a modification packet, which I did. Nevertheless, Dovenmuehle continued to send me modification packets and I filled out several, since they did not acknowledge having received my submissions. Finally, I received modification documents. Regrettably, my monthly payment grew during the time I was on forbearance, increasing from {$2000.00} to {$2100.00} by forbearance end. However, my new payment as identified on the modification document was set to be {$2500.00}! I also pay XXXX XXXX monthly in Association fees. With a monthly income averaging {$5800.00}, this would leave me housing burdened and I was in a panic.
In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX ) opened for applications. XXXX XXXX consulted with an attorney and found that since the lenders workout was considerably more than I could afford, I had effectively been denied a mortgage work-out and could apply for Mortgage Relief funds. She then spoke to a XXXX liaison, requesting the situation specific documents they would require in such a case. They requested a letter of explanation & special form available to counselors confirming that the client has not been offered a viable workout solution.
On XX/XX/XXXX, I received a letter from the XXXX stating that I was not eligible for the program because Dovenmuehle was not participating. This prompted XXXX XXXX to contact both an attorney at the XXXX XXXX XXXX XXXX ( XXXX XXXX and the XXXX She was told by the XXXX that they had been trying to get Dovenmuehle to participate without any luck. The attorney from the XXXX said the same thing. XXXX XXXX then spoke with the Supervising Attorney at her office, XXXX XXXX XXXX, suggesting XXXX XXXX XXXX XXXX XXXX XXXX send a letter to Dovenmuehle regarding Source of Income violations under California fair housing laws. Dovenmuehles non-participation in an emergency relief program was effectively denying me access to COVID relief funds, which in the case of renters, is a violation of California fair housing law. XXXX XXXX XXXX asserted that Source of Income protections also apply to mortgage relief. The attorney approved the action and worked with XXXX XXXX on a letter to Dovenmuehle. A letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX was sent to Dovenmuehle on XX/XX/XXXX.
Finally, on XX/XX/XXXX, after much back and forth, the XXXX contacted XXXX XXXX to say that they had a work around in place for Dovenmuehle and my client should resubmit her documents to the program. On XX/XX/XXXX Dovenmuehle appeared on their list of participating providers. On XX/XX/XXXX XXXX XXXX contacted the XXXX to let them know that the application and all documents had been submitted. During this entire time, I was vulnerable to foreclosure with an unsigned workout option.
On XX/XX/XXXX, the XXXX reported I had been approved for funding and they were sending the money to Dovenmuehle the next week. The XXXX then reported the following : funds were transferred XX/XX/XXXX, XXXX, for {$57000.00}. My understanding was that my loan would be brought current, and I would resume payments on XX/XX/XXXX.
However, on XX/XX/XXXX, I reached out to XXXX XXXX again as Dovenmuehle was not accepting my payments and still recording the delinquency they had received XXXX funding for on my statements. That was XXXX months after the XXXX funding had been sent to them!
On XX/XX/XXXX XXXX XXXX reached out to the XXXX for details regarding the transactions. The following information was provided : On XX/XX/XXXX XXXX indicated that XXXX owed {$57000.00}. which would bring her current through XXXX. On XX/XX/XXXX we sent an approval record for the {$57000.00} total ( this record essentially is a notification saying- we have approved the applicant, please let us know if the mortgage is no longer delinquent or has been sold, money will be sent in approx a week ). On XXXX we sent {$57000.00} : XXXX reference number : XXXX On XX/XX/XXXX we received from XXXX confirmation they have applied the money to the account.
They added this comment : the XXXX statement will show the application of the funds, that means it took nearly XXXX months to apply the funds- which is well outside the expected timeline.
In other words, Dovenmuehles behavior is outside the XXXX expected timeline and outside the norm with respect to what XXXX XXXX reports having experienced with other clients receiving XXXX funds.
The next step for XXXX XXXX was to renew contact with Dovenmuehle. A new authorization was submitted and on XX/XX/XXXX, XXXX XXXX called Dovenmuehle again. However, after waiting for XXXX minutes on hold, the representative told her that she could not speak with her, stating that they did not have the same phone number on file as she had for me. This had not been an issue during previous calls between Dovenmuehle and XXXX XXXX.
On XX/XX/XXXX XXXX XXXX tried Dovenmuehle again having collected all my phone numbers. She first asked Dovenmuehle why I was still in Loss Mitigation when the XXXX funds were transferred on XX/XX/XXXX. XXXX XXXX noted that Dovenmuehles negligence with respect to updating my account, left me without a payment amount. Escrow, principal, and interest needed to be updated for a real number to be available. Furthermore, I was not able to make my payment using the portal while in loss mitigation status. Both problems persist to date. That means I am charged an {$11.00} fee for making payments by phone. When XXXX XXXX asked the representative to reverse the phone charges, the representative was unable to do so. However, the representative did escalate the case and sympathized with my situation.
Given the amount of time that had lapsed and the hardship incurred, XXXX XXXX suggested I submit a complaint to the CFPB. On XX/XX/XXXX, I decided to begin the process.
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| 01/19/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My home was affected by XXXX XXXX in which I obtained and requested an active request for assistance for disaster loan deferment. It was approved and then denied after they stated they did not receive a letter that was not listed as a requirement originally. Now my credit score is very damaged and although I gave my best effort to complete the requirements, my credit score continues to show late mortgage payments despite my formally approved ( have a letter ) and then denied and now active request for assistance. I actually cried to the mortgage debt collector explaining everything and she said that an active request for assistance will not stop her from collecting the debt or pursuit of foreclosure. I explained that there was a mistake and have tried to correct all the requested items. Let me be clear, I will take this as far as I am allowed to go. This is NOT ok. I have called and been called by my mortgage company collections department on multiple occasions and threatened foreclosure if I did not pay. I owe now {$10000.00} I can not pay because I thought I was getting a mortgage disaster deferment and what I got was a XXXX point decrease in my credit score and now I think I might lose my home after watching my community and family suffer a major hurricane. What protection do I have? apparently, none because everyone is blaming someone else and mostly blaming me for thinking I could get a 6 months deferment to pay approximately {$72000.00} in damages according the the XXXX loan inspector. I am doing my best to replace a vehicle I lost in the storm, but my credit is so damaged I can not recover.
Here is the letter I have sent to everyone who will listen. Someone will.
Hello, On XX/XX/XXXX hurricane XXXX swept my area and my home sustained damage. Days later, I requested a disaster deferment, filled out all required documents, and had an active request for assistance while I was searching for a XXXX loan to help repair my home and getting needed documents for my insurance companies. I also had a vehicle XXXX XXXX XXXX that was totaled during the storm. Immediately, my credit was hit for nearly XXXX points as late mortgage payment while a screenshot of the website stated I had an approved request for assistance, then, I even received an approval letter. I called in tears your collections department and it was stated that it would be reversed because I had an active request for assistance. After 2 weeks your company stated that I did not provide a letter to them that was not on the original list of requirements, so my request was declined with more letters to follow. Keep in mind that I had no mailbox during this time, so I had to keep checking the website where I took pictures of our correspondence. They dropped my request, and your collections department began calling me daily at work where I am a registered nurse in a hospital. Multiple times, I explained to XXXX that I was working on my disaster deferment request as there was a mistake. I then received several other requests for documentation and edits, including a date change on a document because of the dropping of my request for deferment. I proceeded to the best of my ability to return all requested documents and in this time repeatedly was harassed by your collections department stating that my credit will continue to be hit for late payments regardless of my due diligence to complete the request documents. Foreclosure was threatened on more than one occasion. I am devastated that your business would take a state disaster declaration from a major hurricane and make it so difficult for me to defer my payment for 6 months so I could repair your interest in my mortgage. During this entire time, I somehow kept my job so I could keep my home. Despite this effort, I have been unable to procure a disaster deferment and now suffer a credit score so low that I can not replace my lost vehicle or obtain any financial assistance other than XXXX loan that estimated my damage at around {$72000.00}. My insurance companies have provided and estimate of {$10000.00} in damages that will not even cover my roof or water damages. I am also unable to get contractors to repair anything as of yet and my husband climbed on my roof to prevent further damage. Lets make no question that any prudent individual would not expect such a devastating loss of humanity at your hands when I was just trying to obtain a little relief from this mess. Unfathomable that the offering of disaster relief and deferment came with such a high cost to me mentally and financially. I will never wish this on anyone and so we are clear, we do my best to let everyone I meet know how this was handled by your agency. I owe {$10000.00} and I can not pay it. I should have never trusted you to defer my mortgage or give me any assistance. My financial situation is so afflicted, and I have daily calls saved on my phone to the point I can not even work without crying. I let your loss draft department know what was happening and they told me they could not help me. The problem is, no one can. My home is at risk, my credit is ruined, and you are to blame for offering a service you could not provide to a venerable population affected by a disaster. Do not call me. Either fix this or don't. The damage is already done. I have sought council, but I thought you should know my story before everyone else in case I was talking to the wrong people. Mortgage deferment lies are worse than price gouging or unlicensed contractors. I hope someone reading this is as ashamed as I am financially ruined. I honestly hope no one reading this ever goes through such an event, with kids, and in laws who lost everything only to find out the people who were supposed to help you made it so bad. My husband and I spent several days on XXXX and XXXX XXXX XXXX thankful we still had a home and we were safe helping those who were not so fortunate only to have my home then threatened by the people who are supposed to protect it and that I trusted to loan me money for it.
I believe someone even laughed at me and said that I was in the wrong department while I cried thinking that I was losing everything with a ruined credit score unable to replace any of it.
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| 09/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This complaint concerns Dovenmuehle Mortgage with sub-servicer CHFA-Colorado Housing and Finance Authority, the servicer of our XXXX XXXX mortgage loan which has an escrow account. Dovenmuehle Mortgage personnel refuse to issue us a full refund for windstorm insurance coverage they had purchased ( a forced lenders policy ) even though we provided proof of coverage BEFORE they purchased the forced lenders policy.
We moved to Florida and built a new home through a builder XXXX XXXX financed the construction loan and then converted it to a traditional mortgage once the house was built. When the house was completed in XX/XX/XXXX, we purchased our homeowner 's insurance through XXXX.
We purchased hazard and flood insurance ( the location of our lot did not require flood insurance, but we purchased it anyway since we prefer to be fully covered ). Being new to Florida, we assumed that the hazard policy was all-inclusive that windstorm coverage was part of the general hazard coverage.
In XX/XX/XXXX, XXXX notified us that we did not have windstorm coverage within our policy and a separate wind policy could be arranged through XXXX XXXX XXXX, a non-profit established by the Florida Legislature. They gave us instructions on how to request an inspector to come out and perform a wind inspection on the house, which was needed for the windstorm coverage.
On XX/XX/XXXX, we applied for windstorm coverage through XXXX XXXX XXXX submitting it with an effective date of XX/XX/XXXX ( XXXX would later tell us that a 30-day waiting period was required, thus the revised effective date of XX/XX/XXXX ).
We also requested the wind inspection.
On XX/XX/XXXX, we verified via our XXXX online account that windstorm coverage was recorded in our loan with XXXX XXXX as the lender. We understood it was common practice for the insurance company to also submit that information to the lender.
The inspector came out on XX/XX/XXXX, performed the wind inspection, and then processed the necessary inspection documents.
On XX/XX/XXXX, once we received confirmation that our windstorm policy was being written, we submitted the coverage information on ihaveinsurance.com ( we were told this site forwards the information to the lender ).
On XX/XX/XXXX, a XXXX insurance agent called us to process payment on the policy.
We paid {$990.00} for an annual policy that ran XX/XX/XXXX XX/XX/XXXX.
On XX/XX/XXXX, we emailed the proof of windstorm coverage to Dovenmuehle ( CHFA ) Mortgage servicer via the email address their personnel told me to use : XXXX We also submitted an online request to XXXX XXXX to verify they received the insurance information.
On XX/XX/XXXX, we received a mailed notification from XXXX XXXX that they received our inquiry and referred it to the appropriate are for review. This notification included this statement : We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do within the time limit required by law.
On XX/XX/XXXX, we received notice that XXXX XXXX purchased a windstorm insurance policy on XX/XX/XXXX through XXXX XXXX XXXX XXXX for {$10000.00} with a coverage term of XX/XX/XXXX XX/XX/XXXX.
On XX/XX/XXXX, we emailed Dovenmuehle/XXXX to inform them they unnecessarily purchased another windstorm insurance policy on our home. We attached our insurance coverage information and informed them we had already submitted the coverage information to them earlier in the month.
On XX/XX/XXXX ( or a couple of days after ), we received from XXXX XXXX a mailed notification letter similar to the letter received on XX/XX/XXXX that they received our inquiry and referred it to the appropriate are for review. This notification also included the statement : We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do within the time limit required by law.
We also called our servicer ( Dovenmuehle Mortgage/XXXX XXXX ) and they told us they would issue a refund but that it could take a few weeks to appear. Nothing was said to us at this time that a full refund would not be given.
On XX/XX/XXXX, we noticed the refund appeared in our online account but that they only refunded {$9500.00}. On the same day, we received in the mail a policy cancellation notice from XXXX XXXX XXXX XXXX that they cancelled the policy and refunded {$9500.00} due to duplicate coverage the cancellation effective date was XX/XX/XXXX.
They retained {$1100.00} for the policys effective term of XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/XXXX, we called Dovenmuehle Mortgage/XXXX XXXX and asked why we did not receive the full refund. Both the initial person we spoke with at Dovenmuehle Mortgage and their supervisor said it was only partial because the policy had to be paid for the effective term of XX/XX/XXXX XX/XX/XXXX.
When we asked why they purchased the policy on XX/XX/XXXX when they had already received proof of coverage from us before that date, they said their records show our information was scanned into the system on XX/XX/XXXX.
When we asked why they purchased insurance on XX/XX/XXXX when they scanned our information into the system on XX/XX/XXXX, their response was that it takes time to process that information. Their automated system had not been updated with our information so an annual windstorm policy was purchased.
Despite my contention that a forced lenders policy should not have been purchased when we demonstrated due diligence in obtaining insurance ( not to mention our loan was in good standing ), we were told their system purchased the insurance automatically and that we were still responsible for paying for the term of the policy for the lapsed coverage.
We can not fathom how it is ethical, or even legal, to force a customer to pay an exorbitantly high cost XXXX {$1100.00} for 5 weeks coverage compared to our {$990.00} cost for a years worth of coverage ) when we did everything within our power to obtain windstorm insurance as soon as we were informed of the gap in coverage ESPECIALLY since we did obtain coverage and provided proof of that additional coverage BEFORE the forced lenders policy was purchased.
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| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In or about XX/XX/XXXX, I signed up with Dovenmuehle Mortgage as the loan server on my home mortgage. Ever since, nothing but problems have ensued. I believe that Dovenmuehle is intent on repossessing my home by forcing a foreclosure, thereby allowing the mortgage company to keep all the money invested in the home thus far, as well as taking repossession of the home.
The first problem occurred about a year into the loan. Dovenmuehle increased my mortgage payments between {$100.00} and {$200.00} to allegedly receive payback for what they claimed was a shortage in escrow payments on my part. Please bear in mind that they were the ones who calculated the escrow payments initially. Therefore, they should have borne at least some of the responsibility for this error. However, they simply increased my mortgage payments, making it very difficult for me to keep abreast of these payments. Eventually, I started getting behind, as I was unable to make the required payments on time.
When I attempted to negotiate with the company regarding my difficult situation, they only made the situation more difficult by asking for letters and paperwork to support my request for a loan modification -- or another solution to avoid bankruptcy. They were never satisfied with the information I provided, demanding more each time. As time passed, I requested to make payments, but they refused to accept payments that would not fulfill t he entire loan obligation.They were also extremely difficult to reach, extremely rude, and extremely unwilling to help in any way. In the meantime, the foreclosure date was set, and it was quickly advancing.
I had no choice but to file for bankruptcy, putting me in a very disadvantageous financial situation, which I am certain Dovenmuehle was clearly aware would be the result of the bankruptcy. In essence, they forced the bankruptcy upon me.
A few months into the bankruptcy, Dovenmuehle claimed that they had done a sight inspection of my home, and had determined that it was unoccupied. They did not bother to check with the utility companies or speak to my neighbors. I believe they may have made this determination based on a couple of weeds growing in the front yard. They failed to contact the bankruptcy lawyers, which they had a legal obligation to do, and made little effort to speak with me directly. Instead, they sent a couple of individuals who broke into my home, allegedly under legal authority, to determine whether I lived at the home or not. They changed the locks, allowing me to enter the home only through one door. Upon determinin
g that I was, in fact, living in the home, they simply left a letter of apology for any inconvenience their actions may have caused. They then offered to change the locks back, but were unable to do so because the original locks, doorknobs, had been damaged.
In the process of this " investigation, '' the home insurance company, XXXX XXXX, was somehow notified that the home was vacant. ( I believe this was an intentional action of the part of Dovenmuehle because of what was about to happen next. ) XXXX XXXX XXXX dropped me. I was unaware of this action, particularly the reason why they had dropped me. Dovenmuehle failed to tell XXXX XXXX XXXX that they had verified that someone was, in fact, occupying the home. Dovenmuehle has been attempting to impose their own insurance on me ever since. They informed me that XXXX XXXX XXXX had released me in XX/XX/XXXX, but XXXX XXXX informed me that they had actually released me in XX/XX/XXXX. Dovenmuehle never gave me an explanation why XXXX XXXX had dropped me. I had to investigate the matter myself ; that's how I discovered that Dovenmuehle never told XXXX XXXX that I was indeed occupying my residence -- the home in question.
The insurance that Dovenmuehle is currently trying to impose on me, which would increase my current mortgage payment under the bankruptcy agreement by about {$130.00} more, is about twice the cost of standard homeowner 's insurance for my state. XXXX XXXX told me that they could give me the same reasonable rate I had -- about half the price of the insurance that Dovenmuehle is trying to impose on me -- and even go back in time to account for the " uninsured '' period, but that Dovenmuehle would have to write them a letter of confirmation that I live at the residence, and I would have to provide utility bills for about the last six months. Dovenmuehle has refused to write the letter to XXXX XXXX by ignoring the problem altogether. In traditional fashion, they take forever to answer the phone, ask for the same information over and over again, transfer me to the collections department, then presumably transfer me to my loan processor. They have given me the wrong extensions for my loan processor -- whom they say is the only person who can handle the matter -- or sent me to the wrong loan processor altogether. They say they can not give me the name of the loan processor. Basically, it seems like they're evading the problem, while more time is passing by. This may mean that XXXX XXXX will refuse to work with me retroactively on the insurance because too much time has passed by.
In addition, XXXX XXXX is only able to offer me insurance on a vacated property, which is double the price of the standard homeowner 's insurance in the meantime. Since it is about the same cost as the insurance that Dovenmuehle is trying to impose on me, this has led me to believe that Dovenmuehle is still claiming that the property is vacated, simply through sheer will on their part. In fact, on one occasion when I explained the problem to a collections department representative, the representative began to ask that I provide documentation that I actually live at my residence -- even after they broke in themselves to confirm this and never consulted the utility companies or my neighbors to determine whether or not I live at my residence, the home whose mortgage they're handling!
I am asking that you please help me get Dovenmuehle to write the letter to my insurance company while there may still be time. I have never been able to adequately, or even inadequately, communicate with them. Please help.
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| 02/12/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I called Dovenmuehle and spoke with a supervisor named XXXX who told me that he extended the payment until the end of XX/XX/XXXX. Shortly after receiving a response from your office that my payments would be $XXXX plus money they claimed was owed to the escrow dept but the website and the letter shows a payment for $XXXX. This is an attempt to try to foreclose on me again and charge me outrageous lawyer fees. My mortgage payment is $XXXX. I PAY FOR MY OWN INSURANCE & THE PROPERTY IS TAX EXEMPT. On XX/XX/XXXX, I paid $XXXX ($XXXX mortgage payment; $XXXX Late fee (charging late fees before the XX/XX/XXXXof the month); Property Inspection fees-$XXXX and $XXXX for suspense account (since the account was paid in full this should never have been charge since the mortgage was out of foreclosure). On XX/XX/XXXX, I received a call from Attorney XXXX XXXX from XXXX XXXX XXXX that I need to pay an extra $XXXX I called Dovenmuehle Mortgage at (XXXX) XXXX and made a payment with a XXXX agent. This is what reported on my XXXX account: XX/XX/XXXX Dovenmuehl Dovenmuehl XXXX XXXX XXXX XXXX $XXXX. Since payments were made the payments has increased several times XX/XX/XXXX & XX/XX/XXXX I was charged $XXXX; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXpayments were $XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXXthe payments were $XXXX. Each time I wrote to you the CFPB, the payment amounts were changed. Since Dovenmuehle Mortgage INC has been servicing the account since XX/XX/XXXX, they committed FRAUD WHICH YOU THE CFPB has refused to investigate. They have submitted FRAUDULENT DOCUMENT SHOWING THAT MONEY WAS REIMBURSE WHEN IT WAS AND YOU THE CFPB ACCEPTED IT AS PROOF; my mortgage has been escrowed three times since reinstatement which is a violation of the consumer rights
I received your letter dated XX/XX/XXXX claiming that I didn't make a payment for XX/XX/XXXX. What happened to my payment that was cashed on XX/XX/XXXX for $XXXX?
Since reinstatement of the account on XX/XX/XXXX, my payment has increased several times. Note: This is a fixed rate of 6%. I made a payment of $XXXX thru XXXX with an additional payment on XX/XX/XXXX to the agent via phone who claimed he would reverse the late fees per his supervisor since I just reinstated the mortgage and paid $XXXX ($XXXX for attorney fees, $XXXX for Late Fees; $XXXX for property inspections; Periodic Payments $XXXX and $XXXX into suspense account . Payments made ($XXXX paid XX/XX/XXXX; $XXXX paid on XX/XX/XXXX; $XXXX paid on XX/XX/XXXX; $XXXX paid on XX/XX/XXXX; and $XXXX. According to the letter regarding the $XXXX placed in the suspense account since my mortgage was fully reinstated then there is no need for the suspense account and the money should be refunded. I even made a payment an extra payment of These are the payments made to Dovenmuehle Mortgage INC who is supposedly servicing the mortgage for XXXX XXXX XXXX XXXX (Account Number: XXXX)
View: Link column headers to sort
Payment Sent
Amount
Memo/Invoice # Reference # Payment Account Status Action
XX/XX/XXXX $XXXX Grace period extended until XXXX XXXX XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Mortgage Payment Including Escro XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Mortgage Pymt-Extra to Mortgage XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Mortgage Payment XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Overcharge of XXXX XXXX XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX XXXX XXXX Paid View/Inquire
XX/XX/XXXX $XXXX May Payment XXXX XXXX regular checking Paid View/Inquire
Total Paid $XXXX online
XX/XX/XXXX $XXXX=$XXXX. From XX/XX/XXXX-XX/XX/XXXX, I paid Dovenmuehle Mortgage INC a total of $XXXX
Note: Payments can be scheduled for Monday - Friday, excluding holidays. To make or change payments scheduled for today, you must submit your request before XXXX XXXX Pacific Time.
This is what your website claims
General Loan Information
Current Principal Balance $XXXX
Current Interest Rate 6.000%
Year-To-Date Totals
Principal $XXXX Property Taxes $XXXX
Interest $XXXX
Hazard Insurance $XXXX
Payment Information
Last Payment Received XX/XX/XXXX
Next Payment Due XX/XX/XXXX
Total Monthly Payment $XXXX
I would like to know why the Monthly Payment was again increase to $XXXX when I PAY MY OWN INSURANCE & THE PROPERTY IS TAX EXEMPT? WHY WOULD YOUR ESCROW DEPARTMENT ADD MY INSURANCE PREMIUM FROM THE POLICY SENT TO THEM AS PROOF OF INSURANCE?
They failed to remove the extra payment that was paid to the principal on
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This is my 3rd time asking for a PAYOFF QUOTE!!!!!
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| 12/02/2017 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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The company keep saying that the money was refunded, which it was NEVER REFUNDED. It took several letters and the attorney threatening to sue to get the {$9600.00} which the company claimed was sent back 2 years ago because someone had listed it on my records as paid which was fraudulent. Even after several letters asking for the money, the company claimed that it was returned without checking their bank account to see that the check which they claimed was mailed was never cashed.
The modification payments were never applied to my account. My IRS XXXX showed they were applied but the company record showed that they were reversed.
The other payments were never applied to my account even though they were collected from my bank and never applied to my account. The company never made any attempt to correct the record even though they were presented with proof regarding the Error which is a violation of my right.
The company, Dovenmuehle Mortgage INC XXXX XXXX, XXXX XXXX XXXX XXXX, IL. purchase the mortgage from XXXX XXXX Mortgage without my knowledge or signature.on XXXX and added {$7700.00} to my mortgage and created an escrow account.
The company claimed that they would remove the escrow account after I send the declaration page for the insurance. I did and they continue to charge me an additional.
The mortgage has a fixed rate of 6 % and payments of {$700.00} as agreed upon XXXX/XXXX/XXXX, but the company interest rate varies when the mortgage is n't a variable mortgage.
The balance in the escrow that the company claimed I owed is {$1500.00}. The company charged me additional on the mortgage since XXXX of XXXX which does not include the payments I made which was not added to the record as well as the addition to the account when the company took over from XXXX XXXX XXXX a total of {$7800.00} ( Escrow & additional charges ) XXXX/XXXX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1500.00} ) {$74000.00} XXXX/XXXX/XXXX Hazard insurance refund deposit {$0.00} {$0.00} {$1000.00} {$1000.00} ( {$1700.00} ) {$74000.00} XXXX/XXXX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$2700.00} ) {$74000.00} XXXX/XXXX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1000.00} ) {$1000.00} ( {$2900.00} ) {$75000.00} XXXX/XXXX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1900.00} ) {$75000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$370.00} {$240.00} {$950.00} ( {$2100.00} ) {$75000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2400.00} ) {$75000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2600.00} ) {$76000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XXXX/XXXX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XXXX/XXXX/XXXX Mortgage payment {$270.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$81000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XXXX/XXXX/XXXX Mortgage payment {$270.00} {$430.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XXXX/XXXX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XXXX/XXXX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XXXX/XXXX/XXXX Mortgage payment {$290.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$85000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$85000.00} XXXX/XXXX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$85000.00} XXXX/XXXX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1500.00} ) {$1500.00} ( {$3000.00} ) {$86000.00} Company provided no proof for the additional money of {$30000.00}
|
| 01/20/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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To whom it may concern, XX/XX/XXXX My name is ****. My loan number is ****. In XX/XX/XXXX, I requested for forbearance for COVID-19 hardship. The forbearance period was from XX/XX/XXXX until XX/XX/XXXX. In XXXX, I requested for an extension. This extension was approved until XX/XX/XXXX. During the forbearance period I continued to receive late statements and delinquency notices from XXXX XXXX XXXX. Therefore, I constantly called every month to verify that I was still in forbearance. At the end of XXXX, I received a letter from XXXX XXXX XXXX discussing next steps when exiting the forbearance period. This document arrived with a lengthy application. On XX/XX/XXXX, I called XXXX asking if I needed to complete this document. The customer service representative transferred me to loss mitigation. Loss mitigation stated that they sent the application by accident. However, I had three options to handle the payments that were not made during the forbearance period. The options were, 1 ) I could pay the balance in full 2 ) Arrange a payment plan and 3 ) defer the payments to the end of the loan. At that time, I requested for my complete balance to be deferred. After this, I continued receiving mortgage statements that had a balance that should have been deferred. In XXXX, my balance changed from {$2800.00} to {$1100.00}. My XXXX statement also represented that I had a deferred balance of {$2300.00}. I kept calling regarding the balance being incorrect on my statement and that the complete forbearance was not deferred correctly. At this time, I was reassured that they would process the forbearance extension. On XX/XX/XXXX, I called to check if I needed to make a payment in XXXX, or if the payments resumed in XXXX. Customer service stated I needed to make a payment. Therefore, I made the payment as requested and continued making my payments. I consistently called requesting for the balance to be fixed. I was told by customer representatives that it was escalated and to give it 30 days every call on multiple calls. In the mean time, I was preparing to sale my home to purchase a new home. I seen the regulations for FHA were that you had to make XXXX on time payments after the forbearance period in order to qualify for a home loan. On XX/XX/XXXX I called to request another escalation on the deferral. I was reassured by XXXX that the deferral would be processed in 7 business days. However, that never occurred. At this time, I had applied for my home loan, was pre-approved, had two contracts on my home to sale, and found a new home to purchase. I began to call on a regular basis. Each time, I was told it was being escalated, or sent to a supervisor for the deferral to be processed and the documents to be corrected. By the end of XXXX, nothing had been resolved and I still had a balance on my mortgage statements. Therefore, I was requested to pay my balance in full to have my current loan in good standing. I made my XXXX payment on XX/XX/XXXX, the remaining {$1100.00} balance ( that was originally supposed to be deferred ) on XX/XX/XXXX, and XXXX payment. On XXXX XXXX, I was informed by loss mitigation that they processed the deferral, but I had already paid the balance so there was nothing to defer and that my loan would be reinstated. I have requested for all notes, call logs, and documentation regarding my account from the research department. The majority of these documents I had never seen and some of the items I have requested have not been provided. A forbearance opt-out document ( XXXX ) was in the documents that were provided. This document is dated XX/XX/XXXX and stated that I was out of the forbearance plan and to continue making my monthly payments. The one issue with this document is my forbearance ended in XX/XX/XXXX, not XX/XX/XXXX. Due to the failure of correctly processing the forbearance deferment when originally requested ( or the multiple times after ), contradicting documents, and mortgage statements stating DELINQUENCY or LATE PAYMENTS, I am in a very difficult situation. I am unable to obtain a new home loan unless the documents are corrected, or a letter is drafted on the behalf of Dovenmuehle and/or XXXX XXXX XXXX to address the issues as followed : There were no late payments as the account was in forbearance The forbearance period ended in XX/XX/XXXX The deferral was not processed correctly, or the months that did not process were not done in a timely manner therefore the loan was reinstated once paid in full The payments that did not process for deferral did not have a due date and therefore are not late An overall explanation of the situation from Dovenmuehle and/or XXXX XXXX XXXX regarding the situation The frustration is, I completed everything as needed, and continued my payments when the Forbearance ended. However, the corporations who I relied on to properly handle the Forbearance and Deferment, did not process their responsibilities correctly. Therefore, this is preventing me from obtaining a home loan. Fortunately, I had the sale of my home fall through, or otherwise I would be homeless. However, I currently have three offers on my home that are waiting to be accepted. Also, I am under contract on a home that was supposed to close on XX/XX/XXXX. I have placed earnest money, option fees, appraisal fees, and inspection fees on this home that I will lose if this is not corrected. Not to mention, my XXXX XXXX XXXX will have to be withdrawn from the school district where our new house is supposed to be located ( he main reason for moving in the first place ). I have been sent in so many circles by customer service and supervisors. Therefore, I am coming straight for answers. I ask for this to be corrected, or for the documentation to be provided. Please contact me if you have any questions, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
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| 03/03/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I called my mortgage company to discuss payment arrangement options. I spoke to a representative in the Loss Mitigation department and they told me they do not offer skip payments but can do a forbearance agreement. She told me that going through the process is super easy and that I had called well enough time to get through the process before the late fee would be assessed to my account on XX/XX/XXXX ( little did I know that was a lie ). She told me that we could skip different amounts of payments and then they would be tacked onto the back end of the loan for us to pay later. Meaning, we wouldn't have to come up with the money from the skipped payments at the end of the forbearance ( also a partial lie ). We decided on 3 months skipped payments and then started the process. She told me that she would mail the docs but that I could do everything online through the portal. So the very next morning, I got started on the portal. I submitted the application, hardship letter, HOA dues information, the 3rd party authorization form, and pay stubs. Everything they said they needed. I found out later that I was missing items. I sent those. I continued to send pay stubs, every time my husband and I got paid as requested. They continued to say they never got them. I called and the people who work the phones would tell me that they saw the documents " coming through '' but not what they were. I told them I named the documents and asked if they could see the name. They said they could and would read it back to me " Pay stub - XXXX - XXXX ''. Clearly, they knew what was coming through. Then I would wait a week and finally get a notification that I had not sent the missing items. I finally talked to someone on the phone who told me that the portal is not good and only half of the documents that go to that portal actually show up on their end and that I should email everything. So I did. I emailed everything. From the beginning. So that they would 100 % have it. Meanwhile, I had been tracking everything on the portal and there were stars next to each document/milestone that needed to be completed to be passed on for a " workout ''. This is where the loss mitigation rep would review everything to see if you even qualify. All of this and I didn't even get past the application! I was a paralegal for years and am very meticulous. I sent every single document they requested almost immediately upon receiving the request. If I could not, they never waited longer than 12 hours for me to submit what was " missing ''. Okay, so back to the stars. These stars would be empty and fill in with gold half way and the fully based on whether or not you had completed that document/milestone. At one point, all stars were filled in. There is a star for the application, the HOA documents, pay stubs, etc. All of these stars were filled in for me except for the pay stubs which remained at half full because " we have to build the story of your income before your application can be passed on to the rep for a workout ''. Then, on XX/XX/XXXX I see that they have uploaded a document to the portal saying " Package Denial ''. I had been submitting documents immediately and calling them twice per week as they requested I do to check in and out of the blue it says denial. So I called. The lady assured me that my file was still open and they needed pay stubs. So I sent the dang pay stubs. AGAIN. After XXXX I followed up. All of the information in the portal was gone. There was nothing there for me to see. I could no longer see the documents I submitted. The place for me to follow along with the stars for progress now was blank and said " let 's get started '' on a button for me to click to get started from the beginning with my assistance application. I went round and round with them about the portal and my access and finally got it back. Only at that time, I was informed that the application was coming close to being out of date ( signatures only last 3 months ) and I would have to resubmit. They kept assuring me that I just needed to send pay stubs. In the meantime, I have called them and called them and called them to see what is needed. I spoke to one person that said they have everything they need. One hour later I called again and spoke to someone who said that they need HOA documents again. An hour later I called back and spoke to someone who said they needed something else. This day I decided I was going to call every hour on the hour until someone let me speak to a supervisor. No one would ever talk to me and told me that I wouldn't be able to get any answers from a supervisor. My point in wanting to talk to someone was so that I could understand what they actually need because the portal is inaccurate and unreliable, the people I'm talking with are unreliable, and I just NEED HELP so I don't lose my HOME. No one would ever call me and still haven't to this day. It is now XX/XX/XXXX and I started the " quick " process on XX/XX/XXXX. Not long after all of this calling, I got an update that I needed to start over. They need a new application. They need a new hardship letter. They need new everything. NEW EVERYTHING. What the actual heck???? This entire system is made and designed for people to give up. Absolutely, 100 % give up. I have never had more trouble actually getting assistance from anyone in my life. The sad part is, they have won. I can not continue to put myself through this with them. So they win. They may also win my house and keep some XXXX people in business and in their jobs because I truly can not put up with these people. This company is absolutely absurd and something needs to be done. There is no way that JUST the application process should take longer than 4 months. It's just honestly not even believable.
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| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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-What is this complaint about?
When my credit union opted to have a loan servicer take over payment collection, payment history and accuracy was falsely reported and continues to be. ( Ie- phone calls and subsequent false 30 day late issues logged onto both my husband and myself 's credit reports nearly every two weeks, charging us payment collections for a reported " lapsed '' Home owners insurance policy ). However, my homeowners insurance and hazard insurance has always remain balanced and paid in full every year ; this information was provided more than once to a loan servicer and never locked.
For example, in XX/XX/XXXX, we received a letter stating our homeowners insurance had lapsed and we would have to pay them for their policy. My policy van was current and did not expire until XXXX. Intern, we had sent a copy of our policy and declarations page to the loan servicers fax/email and copied to the credit union. On XX/XX/XXXX, we received a second and final notice, indicating to us that nothing had been received and we are to pay nearly {$10000.00} for a one-month period. This was very obviously incorrect. Again, I contacted all parties with a copy of our current and valid policy that has been valid and maintained as such since the purchase of our home. The credit union also called our homeowners insurance company requesting records. I know this because XXXX XXXX called me to grant permission to supply them with a copy. This is the same information I have provided to them twice ). Over the course of the past 2+ years, we had never once had an issue with any late payment to our credit union, whether it be mortgage, car or credit card. When the new loan servicer took over, this company did not keep correct records, did not process payments on auto draft as promised, and have repeatedly done the same thing several times over. We are definitely not the only ones suffering because of this company, as indicated by the groups of people inside the credit union demanding to speak with the mortgage department as they apparently are having the same issues. In the beginning, this loan servicing company Asked us to be patient while they get their records correct it. Although we were attempting to be understanding, even after they had indicated it was " their fault and they did not process payment accordingly, '' they continued to place negative reports on both of our reports, respectively ).
This company, Dovenmuele, has been notorious for doing this to do many families, I can not count.
One look at that Yelp reviews, specifically dictate this company is well known for these shenanigans, ultimately severely negatively compacting our credit scores by hundreds of points. I and my husband have carried loans with our credit union since we were both teenagers ( auto, mortgage, credit cards and had NEVER had a late payment ) until Dovenmuele assumed responsibility for our mortgage payment processing. Additionally, there is absolutely no sense in staying we are 30+ days past due in less than a 30-day time period. I have proof of payment/insurance : etc and have the records to prove it. I have completed thier ACH form several times and every time, have had to make a payment with added fee over the phone because Dovenmuele did not processe payment. Even with this, the loan has not been anywhere close to 30 days past due.
This is extremely ridiculous. Dovenmuele are falsely reporting, this is a extremely common complaint. Meanwhile, they are effecting folk 's financial well being? It has come to the point being such a problem, my husband and I would much rather sell our house and purchase a new one just to avoid this company. They have already cost us one refinance due to their false reporting and we are completely and utterly frustrated and upset by there an ethical business practice. If you dont believe us, I challenge you to read a review on this company, or check in With other credit union members. There is a line of people out the door regarding this exact matter every time I walk into the credit union. This is how huge of a problem it has become.
Step 2 : What type of problem are you having?
False reporting effecting or credit Health, excess fees ( I've paid over 10k in one month, thinking I maybe was begging due to a hospital stay back in XXXX. When in fact, this had not been the case at all ). Please help us with getting these false and illegal reports off our credit reports so that we can get away from this awful company?! Is becoming much but this is how they operate with all of their clients. The sheer number of families showing up at the credit union complaining about the same exact thing we have complaints about it is a big red flag. We want to get far away as possible. Its almost as if you from doing by negatively reporting on a mortgage. I am very serious.
Step 3 : What happened?
Please Refer to above Step 4 : What company is this complaint about?
Please Refer to above Step 5 : Who are the people involved?
-Dovenmuele mortgage, Illinois This is the servicer who makes all the errors on behalf of XXXX XXXX XXXX XXXX and is the responsible party for reporting late payments on our credit history, even though they are false. The credit union, when they used to service our own loan, had absolutely no problem with that. That is why, if you look at our payment history on any product we had with the credit union, prior to Dovenmuele, there were absolutely XXXX late payments ( this is going back over 20 years ago? We didn't randomly get irresponsible after 20 years, and right when Dovenmuele took over the servicing. No phone listed ( they'd probably get to many angry complaints ) -XXXX XXXX XXXX XXXX : originator of mortgage XXXX XXXX CA XXXX ( XXXX ) XXXX
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| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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I am having a serious problem with Dovenmuehle Mortgage. The communications between Dovenmuehle Agents or not being able to get in touch with certain Agents is preposterous.
On XX/XX/2019 I sent Dovenmuehle Mortgage Certified Mail ; the proper paper work to request cancellation of my PMI with check for their Appraiser to come out to my house, as per their requirement.
On XX/XX/2019 the Appraiser was out at my house.
On XX/XX/2019, at XXXX ( EST ), I called Dovenmuehle and talked to XXXX . I asked him for a status on my said appraisal since I had not heard back from anyone. I was told that on XX/XX/2019 my PMI had approval to cancel and that the money left in the escrow for the PMI would be returned to me. I asked him is that only the PMI or will the entire Escrow Account be Cancelled. He stated to me that to cancel the Escrow Account that I would have to request it. He told me what my house appraised for and I could hear his calculator in the background, he stated that the loan to value is at 76.8 %. He said that since the PMI was cancelled then the Escrow Account should also cancel and especially having the LTV lower than 80 % which he said was a requirement for Dovenmuehle.
He also said that he will need to expedite the paper work seeing that there would be enough time to lower my XXXX payment, which would not include an escrow account. He even did the math to let me know what my new mortgage payment would be after the cancellation of the escrow and what I would be expecting from Dovenmuehle in the return of any money that was left in my escrow account.
He told me to watch my mail from Dovenmuehle that I should be getting a copy of the appraisal and my escrow account refund after the request to remove has been finalized.
On XX/XX/2019, at XXXX ( EST ), I called back to Dovenmuehle to ask for the Escrow department, I asked for XXXX but he was not available according to the agent that picked up the phone. I asked for a Supervisor and I was transferred to XXXX XXXX in Customer Service.
I told her the situation and what was discussed with XXXX for the cancellation of my Escrow Account, she pulled out her calculator and saw that my LTV was 76.8 % and also agreed that the Escrow Account should be cancelled. She stated that she will Escalate this to knocking off escrow account, and that the XXXX payment will come down, that the escrow account would be cancelled and the money that is in it would be returned to me.
Later that day, at XXXX ( EST ), I received an email from her stating that she is following up on our conversation earlier. She stated that she received a response from the acceleration team, which stated that the escrow account would not be removed until the unpaid principle balance reaches {$150000.00} or less. The escrow removal is based off of the original value of the home not the current value. She then said I apologize if this was not communicated to you. She also listed her phone number, XXXX, ext. XXXX.
That day, I emailed her back stating that no one with Dovenmuehle ever stated this to me. I told that Dovenmuehle informed us that in order to cancel the PMI along with the Escrow we would have to have our mortgage for two ( 2 ) years and have an excellent paying history in which we do. We have excellent credit along with the LTV being at 76.8 % and the equity in the said residence is over {$50000.00}. I also mentioned that nowhere in any of our said closing sheets does it mention how the escrow account would or could be cancelled. Dovenmuehle Mortgage is not the Original Mortgage Lender either, they bought our said Mortgage from Movement Mortgage ; therefore, we can not understand their reluctance to cancel the said Escrow Account, nor their theory.
Unfortunately, she never wrote back nor called me in reference to my email. I tried calling to the number she had in the email she originally sent me and that number has a recording stating The number you dialed is unallocated.
On XX/XX/2019, I sent a fax to Dovenmuehle Mortgage, a two ( 2 ) page letter with a coversheet, requesting the escrow account to be cancelled and requesting Dovenmuehle to respond. We have not received anything via phone, email, or postal mail from Dovenmuehle Mortgage on this said matter.
I want a resolution for my escrow account to be cancelled. I have talked to so many Dovenmuehle agents who have agreed, who have done the math stating that my LTV is at 76.8 % and that they can not see why it should not be cancelled. There is nothing in writing stating that the escrow removal is based on the original value of the home not the current value.
When I first asked for the PMI removal, I also asked about the escrow removal and I was told to have my residence appraised, through Dovenmuehle which would cost {$320.00}. A check was sent and cashed on XX/XX/2019. I was told that I should list all of my improvements with my said residence and include all receipts after filling out the said forms that Dovenmuehle will mail me. All of this was completed and mailed via Certified Mail.
Dovenmuehle failed to contact me after the appraisal was done and the PMI cancellation was approved. I had to call them for a status. I have also tried to reach back out to an agent after receiving her email on why my escrow account will not be cancelled and she failed to answer my email and gave me a phony phone number with a recording stating it was unallocated.
Communications has been a true struggle but I hope we can get this settled and resolved with the cancellation of my escrow account and the escrow account money to be returned to me.
|
| 04/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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I have made several complaints before regarding Dovenmuehle Mortgage. The company has provided erroneous information to your office which you received as truth and failed to verify. On On XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ ; XXXX ; NJ License # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX claimed that they were servicing the loan for XXXX XXXX XXXX XXXX.. One of the representative from XXXX XXXX XXXX is XXXX XXXX XXXX
XXXX XXXX XXXX sent XXXX XXXX as well as I the Mortgage Clause as well as a letter to remove XXXX XXXX XXXX XXXX and add Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX. This can only be done when the mortgage is sold. I had no previous knowledge nor did I sign any document of such acceptance. The only mortgage purchase I made was on XX/XX/XXXX. This is a violation of mine as wells as others whose consumers ' right to know. This is why these mortgage companies feel they have the right to STEAL consumers ' homes because they don't know who to send the payments to. No wonder the HOMELESS Rate in America is High. I made my payments to XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX PA XXXX ; XXXX thru XXXX XXXX Bill Pay from XXXX for a total of {$13000.00}. None of the money paid, was applied to my account. The money was placed in a dead account and sat there for almost two years. Dovenmuehle Mortgage Inc, who claimed to be the Mortgage Servicer, sent Form XXXX for IRS showed two payments were applied but XXXX XXXX XXXX records showed differently. It showed that the money was applied to attorney & corporate fees. XXXX XXXX XXXX filed for Foreclosure even after receiving {$13000.00}, which they never applied to my account. To top it off XXXX XXXX XXXX technically did not own the loan since it was sold to Dovenmuehle Mortgage INC. On the other hand, Dovenmuehle Mortgage INC could not file for Foreclosure since I never signed any promissory note with them. After spending unnecessary money to hire an attorney to represent me with the foreclosure, sleepless nights, incurring hospital bills, XXXX XXXX XXXX after almost two years in XX/XX/XXXX returned {$9600.00} leaving a balance of {$3900.00}, which was never applied to my account. XXXX XXXX XXXX sent you, CFPB letters claiming that they have returned the money but to date XXXX XXXX XXXX has no proof except a letter to say that the money was returned. However, they have proof for the {$9600.00}. Letters are not acceptable proof. A copy of a cashed check which would be verifiable proof is the ONLY ACCEPtABLE PROOF. I have written several letters to NJ Department of Banking & Insurance ; the Consumer Finance Protection Bureau ( CFPB ) regarding the money not credited to my account. After making a complaint to the CFPB and NJ Dept of Banking and Insurance bureau, and because I did not accept the terms of the loan modification, in an effort to force me to accept the modification, Dovenmuehle Mortgage thru XXXX XXXX XXXX XXXX file foreclosure on the property thru XXXX, XXXX XXXX XXXX XXXX thru their attorney XXXX XXXX which was then taken over by XXXX XXXX. I presented proof to the attorney 's office of the payments, but they refuse to look at it or present it to XXXX XXXX XXXX since they told me I can only talk to them thru the attorney. My payments were never returned except for the XX/XX/XXXX payment for {$9600.00} ( See attachment below ). Some were put into a Suspense Account ( See Reinstatement Quote ) and others were used for Corporate Fee Advancement. I requested a reinstatement quote and they refuse to provide one until XX/XX/XXXX where the attorney fee was {$3000.00} plus after I hired an attorney. They refuse to explain why the fees was so high and keep putting the attorney off until he threatened to sue them. I continue to write complaints to CFPB, then I received two other pay off quotes. The only difference was the property inspection. I went to XXXX XXXX and got a cashiers check for {$31000.00} ( {$21000.00} for P & I ; Late Fee {$310.00} ; Property Inspection : {$330.00} ; Attorney Fees {$10000.00} ; {$500.00} to Suspense Account ) paid XXXX XXXX XXXX thru XXXX XXXX who didn't want to take the money but finally did after an hour of insisting. She, XXXX XXXX got the run-a-round from the bank before taking the check. It was credited to my account on XX/XX/XXXX and the discharge was done XX/XX/XXXX filed by XXXX XXXX XXXX, XXXX XXXX from XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ; Attorney for the Plaintiff. I received my IRS Form XXXX and the attorney fees for {$10000.00} ; Code 173 ( no explanation ) is listed as Misc Expense ; the Property Inspection fee of {$330.00} is listed as other ; Dovenmuehle Mortgage who claimed on my IRS Form XXXX to be the Servicer for XXXX XXXX XXXX charges me for Corporate Advance on XX/XX/XXXX code ; 632 three times ( {$35.00} ; {$22.00} & {$9.00} ) ; After my reinstatement, I was forced to pay an additional mortgage payment on XX/XX/XXXX for {$700.00}, It was not applied to my account as a payment, instead, it was used to pay for Corporate advance code 172 on XX/XX/XXXX for {$40.00} & {$250.00} on XX/XX/XXXX for XXXX XXXX XXXX as well as a late. There should be a law passed that FORBIDS Mortgage Corporation from robbing consumers with such outrageous attorney fees like XXXX XXXX XXXX XXXX charged me ( {$10000.00} ) plus my own personal attorney fee to get back ones property. XXXX XXXX XXXX held {$13000.00} and fail to pay me interest.
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| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Days after closing on my home in XX/XX/XXXX, my mortgage was sold to Dovenmuehle for loan servicing under my primary lender, XXXX XXXXXXXX XXXX. Since XXXX XXXX, I have been trying to get them to rectify an ongoing tax/escrow issue that sent my escrow account over $ XXXX into the negative and inflated my monthly payment despite having a fixed rate. The monthly payment amounts that Dovenmuehle have claimed to be accurate have fluctuated several times since the issue began, going as high as over 150 % of my original payment of {$2100.00}. Six months went by of XXXX XXXX asking Dovenmuehle to respond to this issue contact me before someone named " XXXX '' finally called, in XX/XX/XXXX. I never got a last name, email, or phone extension despite asking repeatedly. Even XXXX XXXX was not able to attain this information. Once, I called and was told by an operator that there was no one working there by that name, hours after he left me a message on the same line. After that, when I asked for him I would be transferred to a generic voicemail. I waited weeks for his responses. " XXXX '' asked me to resend my closing paperwork that the title company had sent many times over when asked for updates, because he said he couldn't tell me anything without it. When I wanted to talk to a supervisor, he said that they are too busy to take calls and that he wasn't allowed to give out anyone 's name. Every time we spoke, " XXXX '' would ask when I would be sending in the inflated monthly payment, despite that being my whole issue to begin with. I would have to repeatedly tell him that I had been paying my original monthly amount through XXXX XXXX as agreed and documented in email exchanges with XXXX XXXX. I felt increasingly uncomfortable each time he asked. He was pressuring me to pay an amount that he knew was way more than what I actually owed. In XX/XX/XXXX, I asked XXXX XXXX to request to Dovenmuehle to have him removed from my case. I was then connected to XXXX XXXX via email, a " Supervisor II '' from the " Escalation Resolution Management Research Department ''. In her first message to me in on XX/XX/XXXX, she stated, " We have to wait until the XX/XX/XXXX bill is issued before we can update the tax lines on your loan ending in XXXX. '' On XX/XX/XXXX, after several emails and calls made to her for follow-up, she told me that my tax line for XXXX was corrected to be {$5600.00}. I did a quick search online, found the actual amount, and shared this with her ( {$1600.00} ). I again waited for them to do a new escrow analysis. On XX/XX/XXXX, XXXX stated to me via email that an escrow manager would be contacting me. I to date have not received a call. On XX/XX/XXXX, XXXX responded to an email inquiry from me sent on XX/XX/XXXX asking for an update. She stated, " I find the analysis run is incorrect and have again reached out to the XXXX manager for assistance. I apologize on this delay. I will touch base with you tomorrow. '' On XX/XX/XXXX, I called and emailed XXXX asking her to call me. I to date have not received a call from her. On XX/XX/XXXX, XXXX informed me via email that their current escrow analysis is accurate and that my monthly payment as of XX/XX/XXXX is {$2500.00}. The escrow analysis date on the document she sent to me was XX/XX/XXXX, the same date that she last told me the analysis had been incorrectly run. This calculation of my bill includes a {$320.00} fee for " shortage/surplus spread '' to cover the still incorrect inflated amount for the tax lines for XXXX XXXX XXXX. Also, her email on XX/XX/XXXX stated, " Currently, the loan shows due for XXXX in the amount of {$3200.00} of with you have already paid {$2100.00} which is in a holding account. The amount of {$1000.00} is needed to complete the XXXX payment. '' However, when I log into my loan portal, I see no additional amount owed aside from the monthly payment of {$2500.00}. She has not yet provided an answer for why I would owe over an additional XXXX for my XXXX payment, nor did she send me any documentation breaking down my XXXX payment. She only asked me for this money in the body of an email without further detail. On XX/XX/XXXX, I responded and stated that I still thought that was inaccurate and requested an extension on the pause for late fees/credit reporting and for Dovenmuehle to confirm that their analysis of my payments in full detail. XXXX responded to this stating only that the credit report suppression is active through XX/XX/XXXX. She did not indicate a willingness to look into the matter further nor extend the moratorium on late fees/credit reporting. Despite having confirmed documentation from XXXX XXXX that a credit reporting suppression has been placed on my file since the issue began, I have received several calls and letters stating that my loan is overdue and I am at risk of foreclosure. Also, the amounts that I owe for my mortgage are showing incorrectly on my credit reports across the three major bureaus. On XX/XX/XXXX, I involved XXXX XXXX, with XXXX XXXX XXXX, who has been collecting my monthly payments and been asking Dovenmuehle for months for a resolution. She emailed XXXX asking for a detailed update as to why this issue had not been resolved. XXXX responded stating only, " The tax issue should be straightened out now. We updated the tax lines and reran the escrow. I had advised XXXX of the updated payment on an email earlier this week. '' As of XX/XX/XXXX, XXXX nor a supervisor have returned by requests for a phonecall.
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| 06/01/2018 |
Yes |
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- Trouble during payment process
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Web |
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I have submitted a number of complaints against my mortgage servicer. From XXXX discrimination to mismanagement of my mortgage, yet nothing has been done to hold them accountable for their actions and wrongdoing. Recently, I was notified that HUD found cause to approve my complaint for an official investigation ( inquiry # XXXX / HUD File # XXXX ). Since filing the CFPB, FHEA and HUD complaints, I have been subjected to increasing discriminatory, targeted and retaliatory actions.
I was approved for a three-month trial payment plan. Forced into this being the only option allowed ( I was repeatedly refused the opportunity to pay my past due amount, fees, etc. under the threat of not qualifying for any modification options should I satisfy everything past due ) I accepted to avoid foreclosure. Though I do not bank locally, I was required to send in certified funds for the payments. I had my bank, XXXX XXXX XXXX XXXX, send the cashiers check via XXXX XXXX. This took place on or about XX/XX/XXXX. On XX/XX/XXXX, I confirmed with XXXX that the check was delivered and signed for by a representative of the servicer, Dovenmuehle Mortgage. I called to confirm with Dovenmuehle, and was told it had not been received. I was told not to be concerned as its likely just being processed ; but to get the tracking details and call back. On XX/XX/XXXX, I contacted XXXX requesting tracking information. I called Dovenmuehle shortly after to provide the information. The Dovenmuehle rep. tracked it, noted the information in my file and assured me that this information would assist them in locating the item and verifying my identification to ensure my account was properly credited.
On Friday, XX/XX/XXXX, I received a call from XXXX ( I believe her to be my assigned POC ). She was calling to inform me that my check was allegedly returned to my bank, on Friday, XX/XX/XXXX, due to Dovenmuehle not being able to identify who my check belonged to, so that it could be processed and credited to my account. She stated, on a recorded call, that she reviewed my account on Thursday, tracked the item, and subsequently learned of the return, the reason and the date. She further informed me that I still had to make my payment by XX/XX/XXXX to avoid default and the commencement of foreclosure proceedings. I was extended the one-time courtesy of paying over the phone for an {$11.00} fee ( this fee was later waved by another representative. ) I immediately contact XXXX to explore options for immediate resolution. Could we confirm it was never cashed? Can we stop payment? Can I get a copy of the item? XXXX explained to me, per federal regulations a certified check cant be stopped or cancelled for 90 days. I would not only have to wait the estimated 7-10 business days for the check to reach XXXX, but then they would have to send it to me to be countersigned and deposited back into my account. With no other options available to avoid defaulting, I had no choice but to use my XX/XX/XXXX trial payment funds to cover the XX/XX/XXXX payment. I called Dovenmuehle back and paid on XX/XX/XXXX.
I later began to process this situation, realizing I was being subjected to targeted tactics to force me into default.
If my check was returned due to Dovenmuehle not being able to identify it was from me, how did XXXX know to contact me? If my check was tracked and the details noted as I was told on XX/XX/XXXX, how did it suddenly change to being unknown/unidentifiable?
Why did it take an entire week to notify me of the check being allegedly returned? Leaving me with eight business days to cover the payment or default for missing the payment.
As of today, XX/XX/XXXX, XXXX has yet been to receive my check back, that Dovenmuehle allegedly returned. So this leaves me without the funds to cover the XX/XX/XXXX trial payment as the funds for XX/XX/XXXX were used to cover the XX/XX/XXXX payment Dovenmuehle alleges they returned. When I reach out to Dovenmuehle to speak with my POC, XXXX, shes never available to speak with me. Reps must use their internal messaging system to correspond or shes in a meeting.
I believe Ive not only been discriminated against and targeted, but now defrauded. I do not believe Dovenmuehle returned my check. I believe it to have been destroyed. I believe their actions to be deliberate and with malice intent to fraudulently force me into default. As a financial institution, Dovenmuehle is/was aware of the 90 day federal regulation on stopping certified funds items. As my loss mitigation process was recently approved and documented, they were fully aware that I am on a fixed XXXX/SSDI Income from social security administration and XXXX ; and that the {$1100.00} payment is roughly one-third of my entire monthly check. So the likelihood of my being able to replace the payment they had no given cause to return, was slim if possible at all. I believe their actions to be retaliatory in direct response to my complaints and recently approved HUD investigation.
Their fraudulent actions have not only caused extreme emotional, mental and physical pain, its also financial loss. Its attempted theft of property and abuse of their power through mismanagement of a federal loan product. I am aware I can report this matter to my state senator, which is happening shortly, but I was told to at least have the complaint documented with CFPB even if, like my other complaints, no action is taken against them. Regardless of how illegal.
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| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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What happened.
Most of the following accounts of payments, invoices, ledgers, correspondences online, letters and statements received and are substantiated by documents in the attachments : XXXX XXXXletter with receipts of property tax paid requesting refund of overage in escrow account Called several times to verify receipt of letter. Third call XX/XX/XXXX was told it was just being scanned in today.
XXXX called and wrote online secure messages XXXX and XX/XX/XXXX. And XX/XX/XXXX # 1 and # 2 no answers asked to file complaint that no one answered my letters. I was told I had to write a letter to complain.
XX/XX/XXXX received letter re : escrow account closure- no mention of new payment amount until XX/XX/XXXX a new letter said new payment : {$1700.00}.
Received statement XX/XX/XXXX DATED XX/XX/XXXX, stating new payment now would be back to {$2000.00}.
I sent that payment of {$2000.00}, check # XXXX WITH Letter dated XX/XX/XXXX sent XXXX -signature required -receipt verified with complaint re escrow account and changing payment amount to apparently re-open escrow account. Check was received & not processed until XXXX.
Received refund of escrow overage approximately XXXX XX/XX/XXXX on web ledger.
Received refund of remaining escrow funds approx. XXXX on web ledger XX/XX/XXXX.
XX/XX/XXXX old auto pay ( which had never functioned ) debited my check account for the XXXX payment of {$2000.00} Mortgage company was in possession of my payment.
XX/XX/XXXX, I received an email from XXXX XXXX ( research ) explaining poorly why they never addressed the overage in my escrow account after scanning my letter in XXXX. It claimed they didnt answer my letter in XXXX because they knew they would be doing an escrow analysis in XXXX.
XX/XX/XXXX approximately, I called customer service for a refund of the incorrect debit of {$2000.00} on XX/XX/XXXX. Agent said debit could not be reversed, I would receive a check in 2-3 weeks ( by XX/XX/XXXX ) XX/XX/XXXX, I sent a check for {$1700.00} for the XXXX payment to the statement payment stub address ( XXXX XXXX XXXX, XXXX, TX XXXX. I was later told mortgage company never received the letter ; only robots post payments at that address ; no people are there. Who would have guessed?
RE : refund check -- -phone calls to customer service : call # 1 : check to be sent soon, # 2 : note to send check, but it hadnt gone out. Call # 3 : approximately XX/XX/XXXX there is no record on your account of a check to be " sent out.
I spoke with a supervisor at some point. He helpfully stated he could see the problem and set about to fix it. Our phone call was disconnected ; he did not call back. I received no resolution or information in writing.
XX/XX/XXXX, received letter from mortgage co explaining re-opening of escrow account ( the system inadvertently entered the escrow funds back to my account. ) I was next due for a payment on XX/XX/XXXX.
XX/XX/XXXX, I initiated a long form reversal of the unauthorized and illegal debit of my checking acct XX/XX/XXXX as the statute of limitations was expiring and I had been told no check would be sent.
Received notice of bad check charge for {$20.00}, a thank you letter for paying {$20.00} which I had not done. The mystery charge appeared later, embedded as a debit of my escrow account.
Contested the bad check charge on online secure message -- -no response.
Received refund of escrow balance of {$730.00}.
AFTER I received this refund check, I initiated a bank payment specifically to the Escrow account since I had received those fund from my reversal. Check amount was {$360.00}.
Check was only posted as XXXX and NOT to escrow account.
Received call from collection department stating I was two months past due. I have paid ALL payments on time except in XXXX when I tried to set up auto-pay because I would be traveling. The auto pay did not work so I was called XX/XX/XXXX and paid on phone. After that time I paid one month in advance for the next few months. The auto-pay never activated.
XX/XX/XXXX without notice, I received check in the mail : Check # XXXX for {$2000.00} Memo : disbursement clearing account Called customer service and was told 3 different answers by 3 agents. # 1 : Dovenmuehle can not void check. # 2 I can not return the check. # 3 The check is no good anyway since I did the reversal.
XX/XX/XXXX, I received two statements ; one dated XX/XX/XXXX DELINQUENCY NOTICE stating XXXX and XXXX payments were UNPAID for {$2000.00} each month. It itemized the bad check fee on the back side.
XX/XX/XXXX, I returned mortgage company 's check # XXXX with letter see copy and fedex verification.
Subsequent statements show next payment due one month earlier than correct. I show the month on all checks. I am currently having to pay by the XXXX for the following month. Mortgage company is considering that as a payment for the previous month without engaging a late fee because it is paid by the XXXX.
None of my correspondence, emails, calls, or secure messages have been answered except the letter stating the escrow overage had not been refunded because they were planning to do an escrow analysis 4 months later, and later a letter stating the escrow account was inadvertently reopened by the system.
I apologize for the length and complicated details. There have been many discrepancies along with lack of communication. I appreciate the opportunity to bring this situation to light.
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| 08/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I contacted my mortgage company, Dovenmuehle/XXXX XXXX XXXX in XX/XX/XXXX to initiate the process of having the PMI insurance removed because I am certain I have met the 80/20 threshold. Each time I've called them, I've received a different answer that delays my ability to have it removed. This is money that I have lost during a time that I am struggling financially. When I first contacted them, I was told I would get a response to my request via mail. I finally received a letter dated XX/XX/XXXX that told me I had been late on a payment during the last 12 months and so I was not eligible. I didn't recall being late so I called back and they conveyed that I would not be eligible until XXXX b/c I had not made my XX/XX/XXXX payment within 30 days. I did not question their data.
I called back again in XXXX, but I was then told that I was not eligible until XXXX. I wondered if it was somehow the manner in which they were counting the 12 months from the receipt of the XX/XX/XXXX payment. I did express my frustration at the different answer but to no avail.
I called again in late XX/XX/XXXX, knowing that by XX/XX/XXXX I would be eligible and that I could at least get the process started on the early side. I was told I would be receiving a phone call within a few days to begin the appraisal process. However, by XX/XX/XXXX, I still had not received a call so I called XXXX XXXX XX/XX/XXXX again. I was told at that time that whoever told me I would be receiving a phone call was wrong because they never call. The contact advised that I would be getting a letter and at first he told me he didn't know what was in it. I said that seemed ridiculous in this day and age and asked him to try and get it. He put me on hold, came back and said he found the letter.
He said that the letter indicated my request was being denied because I needed a new appraisal. That was frustrating b/c I already knew a new appraisal was needed and had proactively asked EVERY time I had called previously to get a new appraisal. I also asked the contact how much the appraisal would cost, but he told me he didn't know b/c his information didn't show the " attachment '' and the cost of the appraisal was in the attachment. He did suggest I send an email to the office that handles these issues in which I convey all the improvements I had made to my home. I did send an email on the same day ( XX/XX/XXXX ).
I finally received the letter on XX/XX/XXXX ( a ridiculous amount of time for it to arrive frankly ). Much to my surprise, despite what the contact had told me, nothing in the letter detailed requesting an appraisal. Instead, the letter once again said my request was denied because I had a late payment in the last 12 months. It did not convey any additional factual information. So I ONCE AGAIN called XXXX XXXX XXXX the same day XXXX received the letter ( XX/XX/XXXX ). I was advised that I would have to wait until XXXX b/c I had submitted my XX/XX/XXXX payment late. I asked to speak with a manager. I was referred to XXXX who conveyed she was a manager. XXXX said that I made the XX/XX/XXXX payment in XXXX but they didn't process it until XXXX. I expressed frustration at the different answers I had received each time I called and also conveyed that I should NOT be held accountable for delays resulting from their own system. XXXX ultimately told me she could take payment for the appraisal and that the appraiser would call me within 5 days.
I did not receive a phone call within 5 days so I called XXXX XXXX XXXX AGAIN. I was told that the appraisal was in the system and the contact stated they were putting a note in the system to have the call from the appraiser " expedited. '' I sent a secure message on XX/XX/XXXX b/c I still had not received a call. I did not receive a response to my secure message, nor did I receive a call from an appraiser.
I called again on Monday, XX/XX/XXXX and asked to immediately be transferred to a manager. During this conversation, the manager conveyed that my payment for the appraisal had been " misappropriated internally '' but that it had been corrected XX/XX/XXXX ( Saturday??? ) and that I would receive a call within 5 to 7 days. I responded that this was unacceptable given that I had been told the wrong information numerous times since XX/XX/XXXX and that I expected a call back by the end of the day from the appraiser. He conveyed that I was not likely to receive a call. So I told him that I would be filing a complaint.
Note that in order to pay for the appraisal, I had to drive to one of my banks, remove money from my account and then drive it to the other bank so that it was available to cover the cost of the appraisal. Paying for the appraisal two weeks ago also meant I had no buffer during the last two weeks. How can a company continue to delay and procrastinate while they continue to collect approximately {$200.00} from me each month for insurance I dont need and frankly havent needed for months? Then, they take my money for the appraisal and it gets " lost '' in their system? Shouldn't they have internal controls in place so that doesn't happen? How can I have any confidence that they are accurately calculating my mortgage payment, interest, principle, etc.? I have attached the letters from XXXX XXXX XXXX as well as the email and secure messages I sent them as detailed above.
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| 05/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I called Dovenmuehle, my mortgage company, to ask what my options would be for loan payments over the next few months after I my pay was cut. I was asked a series of questions and told I would be eligible for forbearance. Not being familiar with forbearance, I asked what that meant, what the terms would be ( i.e. how many months/repayment options/etc. ) and was told by the representative she could only tell me I was eligible - but not tell me any terms as there a few different options that might be offered to me but that I would receive a letter which would include those details and I would have the option to accept or decline when I received the letter. I specifically asked if moving forward with this would have any permanent impact or lock me in to anything and the representative assured me that I can decide when get the information in the letter. I did not receive a letter. I did not accept or opt in for forbearance. I continued to receive my statements and make my monthly payments in full. I have never missed a payment to this date. Not hearing anything back from Dovenmuehle, I moved forward with other financial arrangements ( refinance ) for my mortgage. On XX/XX/XXXX, I learned that Dovenmuehle actually placed by loan into forbearance without my permission despite my lack of formally accepting or opting in and despite not even yet having sent me a letter and giving me the opportunity to review any offer /terms as I was told would happen. Note, at that time, I still had not received a letter giving me the terms or the option to accept nor any other communication. I called on XX/XX/XXXX and was told someone would call me back ( no one did ). I called back several times and finally and spoke to a gentlemen on XX/XX/XXXX who explained that since Dovenmuehle had such a back-log of forbearance inquiries, they just went ahead and approved all eligible inquiries instead of waiting for the acceptance or opt in. I informed him this clearly WAS NOT ok for me and I again explained that I did not accept or opt in I simply asked what my options were in XXXX to which I had not even received a response. The gentlemen said he would take it off of my record. On XX/XX/XXXX, I was told by my potential new lender that because it IS still on my credit record as opted out of forbearance ( even though I never accepted or opted in ) this prohibits my ability to refinance as planned. Again, I NEVER accepted or agreed to this how can I have a mark of opted out on my credit if I never opted in? I called Dovenmuehle back and spoke to a representative and requested they take the steps to expunge this from my record completely ( and again had to explain the whole issue ). I was by this representative that he would 'submit an urgent request ' to do so and he would have someone call me ( again no call ). On XX/XX/XXXX, I received 'the letter ' in the mail - dated on XX/XX/XXXX and post-marked on XX/XX/XXXX - indicating my loan was placed into forbearance effective on XX/XX/XXXX and asking me to sign and return. How do they put my loan into forbearance before they even send me the letter with details, the offer, and asking me to sign and accept? I called Dovenmuehle multiple times since, getting passed from department to departement and sent 10 emails asking for this to be corrected with the credit agencies and also to receive a letter immediately stating that this was Dovenmuehle 's error - stating my account should never have been placed into forbearance so that I can move forward with my refinance. I asked repeatedly to speak to a manager to get this corrected. Then i started asking for the president of the company since I was getting no response. On XX/XX/XXXX when I called again - I was told XXXX XXXX is assigned to my account and the representative gave me his email. I emailed XXXX asking for an update and a call. No response. I then emailed his supervisor XXXX XXXX asking for a call - no response. I called and asked for XXXX 's supervisor - told someone would call me back. I received a call back from " XXXX '' on XX/XX/XXXX ( after calling and forcing my way up to the top to speak to someone ). XXXX said she was sorry, they should have confirmed I wanted to be placed into forbearance before doing so and she would get this escalated immediately and call me back about the letter in the next 24 hours, and she estimated the letter would take a few days. I got no call back from XXXX, no email response, and have not received the promised letter. I am being negatively financially impacted as no lender will refinance me due to Dovenmuhle 's error and refusal to correct. I had a rate of 2.87 % locked in but now can not move forward - as Dovenmuehle is now knowingly holding me hostage to their loan by not correcting their error - so that I can not refinance. This is unacceptable and I suspect not lawful on their part first for placing my loan into forbearance without my express permission/authorization/or signature and second for refusing to correct their error especially now understanding the impact to me with the credit agencies and with any potential refinance. Im sure you will agree that my calling and simply asking " what my options are? '' is a far cry from signing me up for forbearance without my permission or acceptance.
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| 03/09/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have made a report with CFPB on XX/XX/XXXX. Case # XXXX. I filed it under Colorado Housing and Finance Authority when the actual loan servicing company is Dovenmuehle Mortgage Inc.
Loan number # XXXX So if I could have this expedited I would greatly appreciate it.
I took a Covid 19 forbearance during the pandemic with CHFA, Colorado Housing and Finance Authority/ XXXX , Dovenmuehle Mortgage Inc . Under HUD and The Real Estate Settlement Procedure Act ( RESPA ) the mortgage servicer is prohibited to initiate a foreclosure if a loss mitigation modification is active. As my forbearance was coming to the end I had contacted a HUD certified counselor, XXXX XXXX, from Colorado Housing Authority here in XXXX XXXX in XXXX of XXXX. CHFA had already put my home up for foreclosure sale. I was forced to file bankruptcy to stop the foreclosure in XXXX of XXXX. I never missed a payment prior to the forbearance, I also have good credit and under the CARES ACT I was protected from a foreclosure sale while I looked into my modification options. Filing for bankruptcy shouldn't have been necessary and also put me in jeopardy of more hardships down the road. Anyway, at this time I continued to work with XXXX XXXX on my loan modification. I have confirmation from CHFA that they received my application. CHFA hired a property management company, XXXX XXXX. They changed my locks on my house 3 times claiming they are there to protect the property. My home has severe water damage and I was waiting for my new loan modification to make repairs. I had sent a letter explaining this with my HUD counselor informing CHFA of the reasons it isn't occupied. Whether it was occupied or unoccupied wasn't a verifiable concern for my forbearance or modification. They harassed me and caused further hardships for me being that I had spent nearly {$300.00} to replace my locks. They didn't have authority in making these decisions. Plus I am still not in my home. I haven't been able to live in my home since this all started.
I was working with XXXX on my loan modification from XX/XX/XXXX until XX/XX/XXXX. During communication on XX/XX/XXXX or XXXX trying to find out what else I needed to finish this modification XXXX found out my house was sold at auction XX/XX/XXXX. I was not given notice from CHFA or the Public Trustee. XXXX was not given notice of this sale either until it was sold. Again I had an active loan modification from XX/XX/XXXX until XX/XX/XXXX. Under the RESPA this is considered to be " Dual Tracking '' which is against the law and it's prohibited. I sent an " Error of Resolution '' to CHFA XX/XX/XXXX being I was already a week behind the foreclosure sale. I have filed a Replevin with XXXX XXXX XXXX XXXX. My court hearing is XX/XX/XXXX at XXXX XXXX. The judge granted me permission to get my things however denied the show of cause regarding legitimacy of the foreclosure. Under Replevin when property, even a mortgaged property, is taken unlawfully and is considered taken due to theft, they are required to show cause of the foreclosure. I also asked the courts to put a " Temporary Order '' to preserve the property to prevent a resale during the review and investigation, but it was denied. Immediately after court XXXX XXXX XXXX put my home up for auction through XXXX XXXX XX/XX/XXXX. I was able to stop that sale because I sent the auctioneer the letter showing my loan was under review. I also spoke to XXXX XXXX from XXXX complaints informing her of my property being sold on XX/XX/XXXX. Again this shows intent.
I have made official reports of this illegal foreclosure with the Colorado Attorney General, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission, and several other agencies that investigate " Mortgage Fraud ''.
My house was sold to foreclosure XX/XX/XXXX. The new COVID 19 HUD laws were posted XX/XX/XXXX informing all government backed mortgage servicers must comply with. Colorado revised foreclosure laws pertaining Rule 120 was posted XX/XX/XXXX. CHFA was made aware of changes before it was actually posted which leads to what the true intentions were in this case.
I have two letters from CHFA/XXXX stating my file is under review dated XX/XX/XXXX and XX/XX/XXXX. This should have been enough for them to stop resale of my home also. But they continued with the sale.
I have lost my home which still can be recovered if I get someone to address this situation quickly.
I know I am not the only one being affected by this illegal foreclosure behavior.
If you are to request a list of foreclosure filings from XXXX XXXX XXXX you will be able to see the gravity of this. This is affecting all Colorado residents with a CHFA/ Dovenmuehle Mortgage. Plus data shows they are devastating homeowners all across the US. They are supposed to follow laws, regulations, and protocols set for government back loans. These loans affect the low-income homeowners directly.
Please don't just think I am another homeowner wasting your time. I promise you I am very qualified to have my modification and should have been modified over 6 months ago. But I may have still lost my home and I never deserved this to happen. What kind of relief is enough when someone's home is stolen from them?
XXXX XXXX XXXX XXXX XXXX
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| 11/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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RE : Short Sale of XXXX XXXX XXXX # XXXX XXXX XXXX, MD XXXX ( Condo ) Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Assigned POC : XXXX XXXX XXXX XXXX or ( XXXX ) XXXX office Dovenmuehle hindering Short Sale process, but yet threatens Foreclosure I desperately need help with dealing with Dovenmuehle, and the looming threat of foreclosure on the above listed property. I have lost one potential buyer already due to Dovenmuehle, and I about to lose another potential cash buyer for the condo due to Dovenmuehle being insistence on information I do not have or simply has nothing to due with the property listed above. I purchased the condo in XX/XX/XXXX, well before the housing market crashed, so needless to say, I am under water and owe more than what it is worth. I purchased the condo for {$110000.00}, but it is currently only being appraised around {$65000.00}, putting it underwater by {$20000.00}. I have tried in the past to get a re-fi to no avail, but could not since my monthly payment wasnt high. Loan Number XXXX.
I have had problems with Dovenmuehle since they took ownership of my mortgage which originated with XXXXXXXX XXXX. I have made multiple complaints over the years concerning Dovenmuehle to the Consumer Financial Protection Bureau ( www.cfpb.gov ) Maryland State Attorney General Office website http : //www.marylandattorneygeneral.gov/, and once or twice to the XXXX XXXX XXXX to no avail. All Dovenmuehle ever does is send correspondence saying that they are either complying or making adjustment and corrections, when they are really not doing any of that.
I kept my mortgage paid up 4 months or more in advance. I would pay extra on my monthly mortgage payments, but yet and still Dovenmuehle would send letters not reflecting any of it. Dovenmuehle would also send me Escrow Account Statement, reporting that I owe money to the Escrow Account, which I found hard to believe because I had always paid in advance, paid extra monthly as well. Dovenmuehle was never actually able to explain that. I have complaint on Dovenmuehle for the last three to fours years to no avail. I feel that Dovenmuehle refusal to move forward with the short sale process, threatening foreclosure instead, is their way of retaliating against me for making complaints on them over the years. It makes no sense for Dovenmuehle not to move forward and continue to hinder the short sale process.
There was also the issue of crime, health, and personal safety that came to light. After the housing market crashed of XXXX, investors scooped up condo units for next to nothing, and starting renting them out to any and everyone without even doing background checks / credit checks. A drug dealer and his girlfriend moved in and rent unit XXXX in XXXX. Drug transactions, fights, shooting, and crime soon followed. A bullet came through my neighbors sliding glass door, through their wall, and into my unit as well in XXXX, which is on record with XXXX XXXX Police Department. The same happen with the rental of unit XXXX, and unit XXXX. There was constant traffic day and night, smell of XXXX everywhere, as well as prostitution. My car was vandalized and all four tires taken in XX/XX/XXXX. All this took its toll on my rest, safety, health, and sleep, so I moved out a couple of months afterwards. No one should have to live somewhere they no longer feel safe. The XXXX XXXX Police was constantly in and around the building, but very little progress was made.
I have had two Realtors, who have attempted to sell my condo at XXXX XXXX XXXX, and both encountered issues with Dovenmuehle. Both Realtors can attest to everything that I am reporting to you to be true. First Realtor XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX cell XXXX. Current Realtor is XXXX XXXX cell XXXX with XXXX XXXX XXXX XXXX office number XXXX. Realtor XXXX XXXX has sent the completed Loss Mitigation package a number of times to no avail, as did Mr. XXXX as well.
I also recently had major XXXX and was out of work for a month in XXXX. I am still in the process of healing. The extra add stress that Dovenmuehle has taken me through has hinder my healing process and cause undue emotional mental distress. Dovenmuehle is well aware of my hardships, and yet and still refuse to move forward with the short sale. I have drained my savings having to still pay a condo fee and utilities for a place I no longer reside due to safety and health concerns. I can not no longer continue to pay condo fee, utilities, and taxes for XXXX, while trying to pay medical bills, get prescriptions, and maintain where I am currently at now. I have had friends come by to cook, cleans, and check upon me from time to time. I am trying to get back to normal, but the process is slow going, and it does not offer a good reason for Dovenmuehle to continue to hinder the short sale process. The short sale progress began in late XXXX early XXXX. We are now in XXXX. This is ridiculous and makes no-sense.
Something is just not right with Dovenmuehle. They need to be investigated, audited, and closed down.
Please advise or help me on what I can do to move things forward, without things going into foreclosure. Thank you in advance.
Sincerely, Mr. XXXX XXXX XXXX
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| 03/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XXXX a insurance company tried to start a homeowners policy in my name! I immediately cancel the policy and told them To cease and desist that I had a policy already in place! They did and they sent a cancellation notice to my mortgage company! On XX/XX/2020 I contacted the mortgage company and informed them not to pay this policy! They stated that they received the cancellation notice and that they would note my account that it was a fraudulent policy. They also explained that under no circumstances would they ever pay out on a policy without written confirmation from me. On XX/XX/2020 a representative of the bank contacted the insurance company and was told by the insurance company that the policy was cancelled and not active. The representative still paid {$620.00} out of my escrow to this company leaving me with a negative escrow account. On XX/XX/XXXX I became aware of this and repaid my escrow. The money however went towards a payment and had to be redistributed to my escrow after once again I caught the error. I asked for an investigation. A investigation typically takes 15 days! 60 days later it was still not done. I repeatedly called and asked for updates and a status on the investigation. During this time my escrow analysis was done and it clearly shows the {$620.00} was included in the analysis and was still showing as a negative! This left me with a escrow shortage of {$510.00}. XXXX XXXX finally sent me a letter about the investigation. After 60 days all it said was we paid out the {$620.00} and the funds were replaced in XX/XX/2020. It said any questions to call XXXX XXXX. I contacted her immediately and expressed my disgust with the response. I already knew that they paid out and the money was replaced the investigation was to show how and why this happened! She had XXXX XXXX call me! He fully admitted that he purposely left out the key details of the investigation. After my insistence he resent a letter admitting that they had the cancellation notice, that they had record of my phone call explaining that the policy was fraud that they had no written authorization from me, which he tried to blame on covid, and that there representative still paid out after being told the policy was cancelled leaving me with a negative escrow! He lied and was purposely deceptive in his original response. I then told him about my escrow analysis he had XXXX XXXX call me. She was immediately hostile towards me and even admitted that she didnt fully understand escrow and that shes would have a escrow expert call me! The one so called expert XXXX called me days later and was immediately screaming at me on the phone to the point I had to hang up on her. She kept saying the analysis was done and there was nothing she was going to do. She refused to answer my questions and explain why there were so many discrepancies. After weeks of trying to get someone to call me about this I called the executive office and XXXX XXXX once again called me. She said she was connecting me with a escrow expert XXXX XXXX. I did not know that XXXX was still on the phone and when I was explaining the situation to XXXX is when XXXX chimed in with her analysis of the escrow. Again shes not the expert and did not say she was still on the call. XXXX and XXXX both agreed to redo the analysis without the {$620.00}. I was told it would take a week. They agreed to call me and go over it then. I requested all copies of my prior escrow analysis. XXXX said she couldnt mail them to me due to poor weather however she did mail out the same day her interpretation of the analysis with XXXX XXXX signature. He was not involved in any of our conversation and as far as I was concerned we were still waiting to have all the info and go over it in our phone call scheduled for the following week. When XXXX and XXXX called me the following Tuesday they both told me that I was not allowed to speak or ask any questions! The phone call was simply to tell me that no further action was going to take place and that they refused to redo the analysis. XXXX especially was yelling at me and refused to allow me to ask any questions regarding my escrow and again reiterated that I was not allowed to speak. She then hung up on me They both have since ghosted me! Everytime I call the bank they refuse to take my calls or service my account. I have a lot of questions about the analysis and how my money is being applied. They refuse to answer. I finally spoke to a representative named XXXX who said that he would have the escrow redone and call me in a week. I never heard from him again. Like me or not there representative can not refuse to speak with me or service my account. There are major discrepancies with my escrow and how the money is being applied. XXXX XXXX is a proven liar who purposely omitted facts from his investigation. XXXX XXXX has no right or business to tell me Im not allowed to speak or ask questions and has stonewalled me from getting answers. XXXX XXXX also has refused to give me any contact information or answer any questions regarding my escrow and has also told me Im not allowed to speak to her only to listen. XXXX never followed though and the bank refused to service my account
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| 07/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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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.
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}.
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.
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.
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 ).
XX/XX/XXXX - An electronic copy of a Notarized Letter of Satisfaction was sent to LDD via email.
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.
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.
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.
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.
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.
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.
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.
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| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Im a XXXX veteran who informed XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle Mortgage, as early as XX/XX/XXXX that I was in forbearance with XXXX XXXXXXXX XXXX while my loan was being transferred to Dovenmuehle, which is XXXX XXXX XXXX XXXX XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXXXXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the XXXX and XXXX credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to XXXX XXXX XXXX XXXX Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX.
Please see the attached proof from my credit reports showing XXXX XXXX XXXX or its loan servicer, Dovenmuehle Home Mortgage reporting that Im delinquent or past due in making mortgage payments. Please also see my XXXX XXXX XXXX Forbearance Letter, and my bank statements that show I was not delinquent in making any mortgage payments to XXXX XXXX XXXX before the loan was transferred to XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle Home Mortgage.
I have exhausted all my efforts trying to resolve this problem. I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My current mortgage company, XXXX XXXX Mortgage, has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXXXXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXXXXXX XXXX to XXXX XXXX XXXX
XXXX XXXX mortgage does not treat Veterans fairly since they continue to wrongfully report to the credit bureaus that Veterans do not pay on time and that they are past due in making mortgage payments. Moreover, in the year and half that Ive been asking XXXX XXXX XXXX to correctly report my mortgage payment history, I could have had a 2.2 interest rate instead of my current 3.25 interest rate and saved a lot of money.
Today, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX is continuing to sabotage my credit rating by reporting to XXXX and XXXX credit bureaus that Im 30 days or not more that 2 months past due. XXXX XXXX XXXX has cost me a lot of money and a lot pain and agony. On XXXX XX/XX/XXXX, I received alerts from XXXX and XXXX credit bureaus that XXXX XXXX Mortgage is erroneously and wrongfully reporting that Im past due in making my mortgage payments. Again, I have always made my mortgage payments on time.
XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, persist on reporting the Department of Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, will not follow the laws and rules.
It is obvious to me that XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, do not care to follow the forbearance rules and blatantly do not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX and its loan servicer, Dovenmuehle, have proven that they both plan to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX and its loan servicer, Dovenmuehle, are not fair to Veterans and it is not a Veteran-friendly mortgage servicer.
My date of last activity for mortgage payments was paid to XXXX XXXXXXXX XXXXXXXX on XXXX XX/XX/XXXX. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract.
Moreover, XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, forbearance policies informs that there will not be any negative reporting. XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, are also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX and its loan servicer, XXXX, unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus.
From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN FOUR PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/XXXX.
Please remove Amount Past Due : {$19000.00}.
Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.
Please see the attached proof from my bank showing that payments were made on time and never late, my XXXX XXXX XXXX Forbearance Letter, and my credit report from XXXX and XXXX. Thank you.
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| 03/03/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have attempted multiple times to resolve this matter both through direct contact with DMI as well as through the complaint process with the CFPB. None of my previous attempts have provided an acceptable resolution.
I originally applied for and was granted forbearance on my mortgage account pursuant to a decrease in household income related to COVID 19 and allowed for under the CARES Act. The attached forbearance letter was received on XX/XX/XXXX detailing my initial plan which granted forbearance for the months of XXXX, XXXX, and XX/XX/XXXX. Knowing that my forbearance expired in XXXX, I made a full monthly payment on XX/XX/XXXX via XXXX XXXX and again on XX/XX/XXXX via XXXX XXXX. Both of these payments were applied to my account on XX/XX/XXXX for the months of XXXX and XX/XX/XXXX. I was still struggling with the effects of reduced income related to COVID so during the month of XXXX ( I believe as no correspondence was received from DMI ), I applied for an additional forbearance period. As noted, I did not receive confirmation of this request being received or any correspondence that indicated the request was approved or denied. Later in the month of XXXX, I received a letter dated XX/XX/XXXX ( attached ) which advised that my forbearance period would be ending soon and directed me to https XXXX XXXX to discuss my options. Upon receiving this letter, I again went to the XXXX XXXX webpage and requested an extension of my forbearance period. I requested an extension on XX/XX/XXXX and again on XX/XX/XXXX. Attached are copies of the email responses I received after both requests. I never received further communication regarding these requests and my loan solutions center account was never updated with information that I XXXX need to complete in order for my request to be processed. I assumed like the prior request in XXXX when I did not receive further follow up from DMI, that forbearance was granted. Note my account information on the yourmortgageonline.com page never updated at any point to show when I was or was not in forbearance. Anyway, I assumed my account was in forbearance but did not find out it was not until I received notification in either XXXX or XXXX of a late payment reported to the credit bureaus for my mortgage account. I filed a complaint in XXXX requesting this be corrected due to DMI 's failure to communicate regarding the status of my forbearance request but the response I received was essentially that DMI did nothing wrong. This could not be further from the truth.
I made another full payment to my account in XX/XX/XXXX which was applied to XX/XX/XXXX. My account now shows due for XX/XX/XXXX. I have requested numerous times to receive written communication of my reinstatement options but have never received anything from DMI. I am still experiencing some financial hardship related to COVID so on XX/XX/XXXX, I submitted another request for forbearance via the XXXX XXXX center website. This time I did not receive email confirmation of this request however I did capture a screenshot which I have attached for reference. To date, I have not received communication regarding this request and past experience tells me that I am not likely to. I also suspect DMI will deny my request because the loan solutions page says the account can not be more than 30 days delinquent at the time of the request. My account is being reported delinquent because of DMI 's failure to communicate with me regarding my forbearance request in late XX/XX/XXXX. If that request had been granted, my account would not be reporting as delinquent.
I firmly believe that the experience I have had is nothing short of a significant UDAAP violation.
DMI has been unfair in the way it has reported the status of my account to the credit bureaus which has caused a significant drop in my credit score. DMI knows that I requested forbearance assistance in XX/XX/XXXX and failed to act on my request and instead has been reporting my account delinquent. Further, DMI has acted unfairly in the way it will accept payments from me. At this time, the only payment options I have are to either mail a certified check or pay through XXXX XXXX which causes me to incur a significant payment processing fee. I believe I should have access to the online payment system allowing me to make traceable free payments.
DMI has acted deceptively in the way it has not fully addressed my requests for assistance and has not communicated with me regarding the status of my account. Other than the initial forbearance period, DMI has never once provided written or electronic communication that my request for assistance was either approved or denied which has left me to guess as to when I was in or out of a forbearance period.
DMI has been abusive in the way it has hidden the true status of my account and failed to provide a mechanism for tracking any request for assistance. The loan solutions center website appears to have been created for this purpose but the design does not allow for two-way communication nor does the site provide any pertinent details as to the status of a request or the status of an account.
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| 09/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Continued delays and changing rules and requirements to remove PMI Insurance from my loan. Customer Service initially advised me months ago to pay loan down to 78 % and provide an appraisal. I did just that and contacted a local bank to inquire about refi and they ordered an Appraisal. When the closing cost was too high I forwarded and made available the contact information and paid Appraisal with a nationwide company. Dovenmuehle Customer Service said great but weeks later the Escrow company came back and said they had to pick the Appraisal Company and I had to pay for it through them? I complained several times they just said get an appraisal. I did not pick the Appraisal Company. Then the Escrow department updated their list of requirements and said the Appraisal had to be paid for and ordered through them. I complained and am out Appraisal Fee and PMI months later still paying PMI insurance with changed excuses and unacceptable responses and Loan ratio is currently @ 67 %.
XX/XX/XXXX - Please find inquiry response attachment from Dovenmuehle Mortgage declining the previous appraisal of the property use because of over 6 months old. In that letter quotes ; per FNMA guidelines a new appraisal is required to confirm the value of the property before mortgage insurance can be waived.
XX/XX/XXXX Please find Appraisal Payment fee of {$480.00} paid for by myself through XXXX XXXX XXXX.
XX/XX/XXXX Please find notification letter from XXXX XXXX Appraisal Complete.
XX/XX/XXXX Please find e-mail request for XXXX XXXX to send Certified Appraisal to Dovenmuehle Mortgage.
XX/XX/XXXX Please find response to inquiry at Dovenmuehle Customer Service requesting a copy of the appraisal.
XX/XX/XXXX - After numerous calls to Dovenmuehle Mortgage Customer Service and manager I am requested to send in the Appraisal directly to Escrow Department as well as make a principle payment.
XX/XX/XXXX - I sent in {$40000.00} reducing the amount owed to principle ( that has been confirmed cleared - attached ) XX/XX/XXXX - The attached Appraisal less than 6 months old shows the home gained over {$2000.00} in value during the term financed with Dovenmuehle.
XX/XX/XXXX - Delayed Response Apology from Dovenmuehle Thank you for your apology of delayed response. Since Im tracking every response and inquiry lets clarify that the delay was since XX/XX/XXXX @ XXXX = = over 70 days wow ... In my previous response, after talking to a manager in Customer Service on a recorded line -- The response from the Escrow Department IN WRITING said pay this amount and obtain an appraisal. <-Period -- it did not say I had to use Dovenmuehle preferred Appraisers. I DID JUST THAT and spent {$500.00} dollars in due diligence.
I sent in all documentation supporting my paying {$40000.00} dollars ( when asked to pay {$19000.00} to stop my PMI ), My receipt paying for the Appraisal, The Appraisal my copy, Tracking number where Dovenmuehle received the appraisal from Appraisal Nation, The initial inquiry letter to Dovenmuehle to requesting to remove PMI dated XX/XX/XXXX. In that response from - Dovenmuehle I was turned down for using an appraisal that was over 6 months old and asked to get a current one. I reached out to get another lender for better interest rate and with them they ordered a survey that was duplicated sent to Dovenmuehle. I called and explained I was considering re-financing and another lender ordered that appraisal and said it could go to Dovenmuehle from that independent appraiser that way I could decide who had the best interest rate and either switch companies or get the PMI dropped. I decided to stay with Dovenmuehle because of interest rate and asked to review the appraisal as requested and drop the PMI.
When I called and complained about delay of response the Escrow department sent me the same letter -- adding the wording - I had to order appraisal through Dovenmuehle? The first letter was in the exact same format and did not state I had to go through Dovenmuehle for the appraisal. I spent the {$500.00} dollars through a CERTIFIED World Wide APPRAISAL COMPANY in good faith and Dovenmuehle changed their rules in the middle.
I sent the receipt in where I already paid {$500.00} to an appraisal company. The appraisal company sent the appraisal to Dovenmuehle directly gave me a tracking number where it was received. I called Customer Service and they said it must have gotten lost please resend it. I called the Appraisal Nation and they reset it as well as faxed it to the number Dovenmuehle Customer Service gave to me to fax to the Escrow Department.
I can only assume the latest response is a lack of communication between your Customer Service Department and your Escrow Department XX/XX/XXXX - Request for PMI removal again sent in and a call from Customer Service. Response is expected ( according to Customer Service ) within 10 days.
PLEASE approve the removal of PMI Insurance requirement from my loan.
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| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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This compliant is a resubmission of a prior compliant for the same matter, as I incorrectly listed my name in the first compliant. -- -- -- -- -- -- -- -- -- - My wife and I have had a mortgage account with XXXX, previously known as XXXX XXXX XXXX XXXX XXXX, ( together, hereinafter referred to as XXXX ) for approximately 7 years. All previous payments have been made timely, however, XXXX is reporting the XX/XX/XXXX payment as paid late, which is the subject of this compliant, in that XXXX is falsely reporting it as 30+ days delinquent. Prior to this incident our credit scores where approximately in the 820 850 range. In late XX/XX/XXXX, I began receiving numerous certified letters indicating that our payment for XX/XX/XXXX had not been received and that we were in default of our mortgage. We did not receive a courtesy late payment reminder. However, the XX/XX/XXXX payment was made on time, and received and processed by XXXX prior to the end of the grace period of XX/XX/XXXX. I called XXXX customer service several times in late XXXX / early XX/XX/XXXX to communicate that our payment was made timely and to follow-up on such calls. This culminated in me sending an email to XXXX on Monday, XX/XX/XXXX, XXXX AM XXXX to XXXX to provide notice of my formal dispute and evidence that the payment was made timely. The email contained an image of our cleared electronic check issued by XXXX XXXX, dated XX/XX/XXXX and stamped as deposited by XXXX on XX/XX/XXXX at XXXX PM ( time zone unknown ), and posted to our XXXX account on XX/XX/XXXX ( attached ). Therefore, the payment was made well before the expiration of the 30-day period that the account could have be reported as delinquent to the credit bureaus. Subsequently, no action appears to have been taken to address our dispute and correct the account reporting, as the account continued to show delinquent and a late fee accessed. As a result, I made several more telephone calls to XXXX and was assumed by the representative the account would be brought current and a notice / request sent to the credit bureaus to reinstate my credit file. I will note that even though I requested, I was refused the opportunity to talk with Management. Our XX/XX/XXXX mortgage statement contained an entry Long Form Misapplication Reversal indicating a payment for XX/XX/XXXX. It also indicated a reversal of the previously applied late fee in the amount of {$39.00}. However, our credit reports continued to indicate a 30+ day delinquency for XX/XX/XXXX and a credit score in the low to mid 600s. In XX/XX/XXXX, I filed a dispute with XXXX on XX/XX/XXXX ( Confirmation # XXXX ) for the false reported credit information. They responded This Creditor has verified to our company that the current status is being reported correctly. The report indicated a past due amount of {$820.00}, as of XX/XX/XXXX, and a credit score in the low to mid 600s. They continue to falsely report to-date. See attached. Subsequently, I filed disputes with XXXX and XXXX on XX/XX/XXXX and have received the same disposition that the accounts are properly indicting a 30+ day delinquency for XX/XX/XXXX ( as reporting in XX/XX/XXXX ) and a credit score in the low to mid 600s. To-date, they continue to falsely report. See attachments. It is my understanding and belief that XXXX Mortgage XXXX XXXX services mortgage accounts on behalf of XXXX, and may well be jointly responsible for the above described false reporting. This assertion is based on the fact that Dovenmuehle appears to be located at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, which address is also listed on my mortgage statements. XXXX, XXXX, XXXX, XXXX and XXXX ( the " XXXX '' ) have committed defamation on our character and as a result, my wife and I has sustained actual harm, with pain and suffering and emotional distress and the cost of addressing this wrongful action. Therefore, I am filing this Compliant with the CFPB to resolve the matter by the CFPB concluding that the Wrongdoers have provided false credit information on both my wife and I for the past three months and that they should take immediate action to restore our credit file to the previous excellent level by reversing the incorrect delinquent payment history for XX/XX/XXXX, and direct each of them to pay statutory damages to us in the amount of {$1000.00} each per month, or {$6000.00} total ( through XX/XX/XXXX ) and {$1000.00} each per month for any ongoing violations, or other such applicable statutory damages.
XXXX, together with XXXX, XXXX, XXXX, and XXXX should take immediate action to restore our credit file to the previous excellent level by reversing the incorrect delinquent payment history for XX/XX/XXXX, and direct each of them to pay statutory damages to us in the amount of {$1000.00} each per month, or {$6000.00} total ( through XX/XX/XXXX ) and {$1000.00} each per month for any ongoing violations, or other such applicable statutory damages.
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| 11/11/2022 |
Yes |
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- Trouble during payment process
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Web |
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We closed on our loan XX/XX/XXXX we prepaid ins for the year so our next ins payment would be do one year latter XX/XX/XXXX the payment was not made by servicer Dovenmuehle mtg/ DBA XXXX XXXX XXXX XXXX I have a customer service # for them XXXX XXXX XXXX XXXX XXXX mill refer to the above as ( servicer ) from this point forward.
The ins payment was not made by servicer and ins was canceled.
When this was brought to my attn by my ins agent I contacted servicer and was told they tried to contact my agent 3 times.
This was a complete and total lie my agent is a local small office that I have done business with for over 10 years and I know every person in the office and not even 1 call would have fallen through the cracks let alone 3.
Further the servicer had our contact info and made no attempt to contact us either.
The only solution to save our ins was for us to pay out of pocket to get it reinstated.
of course this cancelation would hurt our payment status possibly resulting in sanctions against our ins rating.
After days and multiple hours on the phone with servicer the only way to get our out of pocket money back was for the servicer to pay the ins co so they would refund our out of pocket money.
This ultimately was done, but clearly if our agent did not make us aware of this and work diligently to help us.
as a result of this gross negligence we would have been without ins and if we had a catastrophic loss would have lost our home.
At the beginning of the XXXX tax year we received a tax increase.
Apparently to compensate for this increase the servicer raised our monthly payment and gave us no notification that this would be done.
Upon doing our do diligence we found that the servicer is required by law to make us aware of any impending increases.
Of course when we confronted the servicer they insisted that they sent a letter.
we never received ant such letter and the servicer could produce no proof that they ever sent it.
and we were told it must have been lost in the mail I would assume such a important document would be sent certified mail once again an absolute lie.
We were told our options to deal with the increase were accept the new payment amount or we could pre pay the tax increase in full.
we choose to pay the increase in full.
We were than told by the servicer that we would have to continue to pay the higher payment for two more months and the increase would be refunded to us shortly there after.
Several mths latter servicer refunded one month increase to us.
Upon contacting servicer around XXXX regarding the second mths refund.
We were told it was never sent we of course questioned that and were told dont know it just wasnt We were than told we would have it in 7 to 10 days.
As of today XX/XX/XXXX we have not received payment.
Additionally, all of our tax payments have been late and we have had to correspond with our tax office to peruse payment from servicer.
Now here we are XXXX has rolled around and we fearing that the servicer would again not pay our ins premium.
we started our do diligence our ins was do no latter than XX/XX/XXXX after remaining in constant contact with our agent who was perusing the servicer once again we are in cancelation status.
Thankfully our agent was able to buy us some time with the ins co.
I personally had to chase the ins division of the servicer and force them to overnight a check for payment which arrived several days past our cancelation date.
upon conversation with my agent, she seen in her system that the servicer was requested to make this payment om XX/XX/XXXX the servicer than corresponded with my ins agent on XX/XX/XXXX.
And still allowed the ins to go in to cancelation status.
Now the really amazing thing is the servicer actually sent us an email saying the ins payment had been made see attached on XX/XX/XXXX if we had not been doing our do diligence and believed this email we would have been canceled again this is not acceptable.
The supposed theory behind this servicing of our loan implies that we are not capable of paying our bills.
Obviously we would be much better at servicing our own loan.
We have repeatedly requested to service our own loan or have another company perhaps our bank do it.
And were denied as we were told the loan is XXXX backed so servicing your own loan was not allowed.
It is beyond obvious that this company is not capable of servicing our loan properly.
Our desired outcome would be to service our loan or delegate it to a company of our choosing.
And of course, have the payment increase that they still almost a year later have not returned to us returned.
And have this complaint be made public information be made public so that others may not have to endure this nightmare Sincerely XXXX XXXX / XXXX XXXX
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| 10/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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BACKGROUND : By letter dated XX/XX/XXXX, Dovenhuehle Mortgage Inc., ( my former mortgage servicer ) notified me that it was holding unclaimed property ( check number XXXX dated XX/XX/XXXX, in the amount of {$1300.00} that was due me and my wife. The funds were due us after we refinanced our XXXX loan with a new lender and paid it off in full in XXXX. The letter further advised that we needed to sign and return the letter ( attached ) to Dovenmuehle by 10 business days before XX/XX/XXXX, or the funds would be submitted to the XXXX of Virginia, and we would have to claim them from the state. The letter advised in all capital letters, " A NEW CHECK WILL BE ISSUED AND MAILED WITHING 10 BUSINESS DAYS OF RECEIPT OF THIS PROPERLY SIGNED ACKNOWLEDGMENT. '' We signed the letter on XXXX and attempted to email it to Dovenmuehle as directed by the letter, however we did not receive a confirmation email of receipt and contacted Customer service several times in an attempt to obtain confirmation of receipt. Customer service indicated that we should receive a confirmation email and advised that the funds were due us as the balance of our escrow account following the loan pay-off. On XX/XX/XXXX a customer service representative confirmed verbally that they had received my claim letter. However, despite, the bold written notice that Dovenmuehle would issue and mail an new check within 10 business days, I was advised and warned by everyone of the several customer service representatives and " supervisors '' I spoke with on XX/XX/XXXX, and XXXX XXXX and XX/XX/XXXX that it would take from 30 to 60 days to process the claim and issue and mail a new check. When I asked why it was taking so much longer after the company had our funds for over five years, I was informed that they had a lot of unclaimed funds actions to process and they were doing the best they could to process them. I was stunned by that response because if suggested that this was a business practice rather than an administrative oversight. I requested to be placed in communication with the office that actually was processing my claim and was advised that they did not have that number. After pointing out to the customer service reps/supervisors that I appeared to be getting the run around and that the responses were being provided off a script, I did get a " supervisor '' named XXXX who said she would email the department that process claims and ask for the status and see if she could get it " expedited '' I have yet to receive a promised response from her on the result of her email.
COMPLAINT : Until receipt of the unclaimed property letter from Dovenmuehl, we had not received a check, a notice that a check was expiring, or any other communication concerning our escrow funds. At all times Dovenmuehle had our mailing address, phone numbers ( work and home ) and email addresses. Prior to loan payoff, and during their period of servicing this loan Dovenmuehle timely communicated with including acknowledging receipt of payments, providing monthly bills and account statements. Additionally, Dovenmuehle was in possession of our electronic banking information as our payments were made to Dovenmuehle electronically.
This seems to me that this process might be by design. If so Dovenmuehle is placing the burden of refunding these funds on the customer by requiring a " claim '' and not communicating with the customer until a claim is made, or just prior to submitting the funds to the state at the expiration of the statutory period. If so, that practice would seem problematic as it seems like Dovenmuele as the escrow account holder would have duty to actually issue a customers escrow funds to the customer as soon as due.. By delaying and retaining these funds beyond the date they are due to the customer, they are preventing the customer from earning interest on those funds. On the other hand Dovenmuehle is retaining those funds in its accounts, where they may be generating interest income for the company.. Further, Dovenmuehle employees stated that 60 days is needed to process these claims because of the high volume of claims in process.
Although I acknowledge that I was not aware of funds due us for over five years and that looks like I neglected to inquire. However, as these refinancing loans are complex and involve hundreds of documents and complex statements and payoff amounts it is easier than one might think to miss this. We did miss this, but I expected that in dealing with a regulated mortgage servicer that it would comply with any fiduciary and legal requirements and refund any funds when due...
When I queried the complaint database on this website I located numerous similar complaints about Dovenmuehle and treatment of escrow accounts.
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| 07/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was XXXX years old when I lost my job in XX/XX/XXXX. I applied for unemployment in DC in XX/XX/XXXX and received unemployment benefits until XX/XX/XXXX when my benefits were exhausted. I currently live in a town home at XXXX XXXX XXXX XXXX, XXXX, VA XXXX and have a mortgage thru Dovenmuehle ( loan XXXX ). It is a 15 year fixed that was initiated in XX/XX/XXXX and matures in XX/XX/XXXX. My property value is about {$460000.00}, and the outstanding balance on my loan is {$170000.00}. My monthly payment is {$2200.00}, which is a 15 year fixed at 2.875 %, of which over {$1400.00} is principle ( see attachment ).
Because I am unemployed ( and may remain unemployed for some time ), I have little to no money coming in. Therefore, on XX/XX/XXXX, I sought assistance thru Dovenmuehle 's Loss Mitigation Department and requested a loan modification where my loan could be streamed so that I do not have to pay so much principal every month at a time I am not receiving much money ( see attachement ).
My case was assigned to a XXXX XXXX at Dovenmuehle. However, instead of receiving a loan modification, I received in late XXXX via an overnight urgent delivery XXXX package from Dovenmuehle dated XX/XX/XXXX ( see attachment ) asking me to sign on an urgent basis ( i.e. Due XX/XX/XXXX) a 3 month forbearance agreement where I would not have to pay any mortgage payments for 3 months. This was the only Option Dovenmuehle presented me, as I was not offered any loan modification option. I immediately called Dovenmuehle, and I told them i ) this is not what I wanted or needed, ii ) that this was bad for me as I would be subjected to a balloon payment at the end of the 3 month forbearance period to make my loan current at a time I was not earning money. I was told by XXXX XXXX and XXXX XXXX at Dovenmuehle as well as XXXX at XX/XX/XXXX that they could not offer me a loan modification at this point because I failed the Imminent Default Test, but if I accepted the forbearance agreement, I would later be eligible for a loan modification as per XX/XX/XXXX rules. They explained that Forbearance would allow me to go into default without incurring any fees and penalties, so that I could later pass the Imminent Default Test and therefore later be able to recieve a loan modification. I was encouraged to accept the forbearance agreement ( Dovenmuehle 's only Option offered ) and then apply for one or more renewals of forbearance in additional 3 month blocks, after which I should then apply for a loan modification. They indicated that I would have to undergo a minimum of 6 months of forbearance, but could undergo 12 months maximum of forbearance by such renewals.
They also characterized my situation as " temporary '', which I took umbrage to as I felt that my unemployment is likely to be longer term.
Being suspicious of all of this, I called HUD. HUD urged me not to sign the forbearance argeement because in addition to damaging my my credit and FICO score, forbearance may not lead to a loan modification. In other words, HUD explained to me that even if I went thru 6 or 12 months on forbearance, Dovenmuehle could still refuse to offer me a loan modification if I at that time I do not have a sufficient income stream ( this again goes to Dovenmuehle characterizing my situation as temporary when it is likely to be longer term ). HUD also explained to me that Dovenmuehle could offer me a loan modification at any time, but it was not in their interest to do so as it incurred time, fuss and expense on their part.
At this point, I realized that I was esentially being set up for a trap whereby I would be lured into signing the forbearance agreement under the belief that a loan modification would follow, but after accruing 6 to 12 months of missed payments in forbearance, I would be forced to make a balloon payment of {$30000.00} to make the loan current after 12 months of forbearance because Dovenmuehle is likely to deny me a loan modification because I still did not have a sufficient income stream to modify my loan. In other words, I realized that I would be severely damaged by their forbearance offer.
On XX/XX/XXXX, I received a call from XXXX ( initials XXXX ) at Dovenmuehle. I again explained the situation to her, and she urged me to file an appeal. Consequently, on XX/XX/XXXX, I appealed the XX/XX/XXXX decision ( see attached ), and this appeal was denied on XX/XX/XXXX ( see decision attached ).
Since then, I complained to XXXX and XXXX, and since that, I received a lot of unusual behavior from Dovenmuehle, such as their Collections department calling me on XX/XX/XXXX saying I missed my XX/XX/XXXX payment when in fact I had paid them electronically on XX/XX/XXXX, etc.
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| 08/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First, I want to apologize, but since our specific issue did not fit within the confines of the choices given, I chose the closest thing - but to be clear, our issue is not with a payment concern, but with eliminating PMI.
I understand that based on the Homeowners Protection Act that was signed into law in XXXX, the borrower has some protection against a PMI company being difficult about cancelling PMI, once it is no longer necessary ; however, everything I find is too vague for me to be sure in regards to my specific circumstances as " Loan Modification '' is referenced, but it is not conclusive.
I went to great effort with our lender prior to applying for our loan to establish clarity with specific answers to " IF '' we would be charged PMI after recasting the new loan within the first few months following closing.
I explained that initially, we needed to obtain a 90 % LTV and that we planned to very quickly sell and close on our home and then RECAST the proceeds to substantially reduce the payment and to reduce the LTV to below 70 %.
My singular desire was to ensure that the PMI would be eliminated at that point. After MANY inquiries via emails ( which I kept ) I was eventually told there is NO written rule on this, but that it should be no problem and I was invited to use another lender if that answer was not satisfactory.
XXXX 's rates were good and I was running out of time and options, so we proceeded and closed on XX/XX/XXXX. As I suspected, I was able to sell our home quickly and since XXXX, we have been trying to process a recast to include the elimination of PMI.
Though we still have none of the paperwork to confirm it, we have been told over the phone, that the Loan Modification we processed with our {$100000.00} lump principal payment will be reflected with a reduced payment as of XXXX, but the PMI will NOT go away without additional effort to specifically request it be eliminated and the payment of {$450.00} for another appraisal, even though they just had one provided during the origination, less than 6 months ago.
Ultimately, what I need your guidance about is simply this - can a bank, who just had their appraiser validate the value of a property through an appraisal process for which the borrower paid, force that borrower to pay for another appraisal, less than 6 months later to reconfirm the previously stated value - especially when the LTV is below 70 % based on the value that was so recently confirmed?
Is there no law against making this so difficult when it is mathematically and logically obvious that the value is already established based on the recent appraisal and the substantially reduced new loan balance? We paid {$430000.00} and paid for an appraised in XX/XX/XXXX that came out at {$440000.00} - we put 10 % down and since XXXX, we have been trying to recast with a lump sum of {$100000.00} for the specific purpose of reducing payment and eliminating the PMI.
I assume the issue is with the new Servicer, who I was advised is now Dovenmuehle Mortgage, a private label subservicer, who seems to make it extremely difficult to communicate, does not respond to secure messages on their website and seems to take every opportunity to delay every process.
Dovenmuehle 's Special Loan Department advised they do not know anything about their Escrow Department and could never transfer me or tell me the name of anyone in that department - as if they are separate companies.
I finally spoke to a representative in the Escrow department and I was sent form letters about the eliminating PMI based on the law, which I understand, but my point is in regards to the appraisal for which they insist I pay {$470.00}, so they can determine if I am eligible - to spite the obviousness.
All communications with XXXX XXXX now reflect Dovenmuehle 's address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , IL XXXX ' rather than the Kansas address , so I am not sure who my issue is with ... XXXX or Dovenmuehle?
Is there no law about how long an appraisal is valid? Is there no actionable rule that dictates making a borrower pay for another appraisal so quickly after the initial appraisal?
I have auto payments and have never missed a payment and since the loan is only a few months old, I requested consideration to eliminate the requirement to re-appraise, but every response is only a form letter with the standard requirements.
So that is it, I want to request an exception to the appraisal rule based on the fact that mathematically and logically, the recent original appraisal indicates the LTV will be well below any level of risk, even if only the sale price instead of the higher appraised value is considered.
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| 08/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our escrow funds are being mismanaged and there is a lack of customer service offered by our loan servicer ( Dovenmuehle Mortgage XXXX Inc. ) to support effective and timely resolution.
We refinanced our mortgage with XXXX XXXX with a closing date in XX/XX/XXXX.
Our homeowners insurance policy with XXXX has remained the same since the original purchase in XXXX and the XX/XX/XXXX - XX/XX/XXXX premium was included/paid as part of the refinance in XX/XX/XXXX.
Our newly refinanced mortgage was transferred to be serviced from XXXX Mortgage to Dovenmuehle Mortgage , Inc., however, XXXX still holds the mortgage.
We received a letter dated XX/XX/XXXX that XXXX XXXX records showed our Homeowners ( Hazard ) insurnace expired and they did not have evidence that we had obtained new coverage. The letter instructed us to provide evidence ASAP otherwise they would procure supplemental coverage that we would be responsible to pay.
I called XXXX immediately who indicated that the policy was still in place and was paid in XX/XX/XXXX through to XX/XX/XXXX. Through collaboration with the XXXX representative, we were able to figure out that despite XXXX being listed and all evidence being provided ... that when XXXX transfered our loan to be serviced by Dovenmuehle that the loan number was changed. So XXXX offered to fax a copy of the Policy Declarations page again, but this time with the new loan number as a reference item to ensure the mortgage company had the support they needed.
Upon receiving the evidence from XXXX 's fax ( which was NOT a bill, indicated as such on the document ), the mortgage servicer ( Dovenmuehle Mortgage , Inc. ) paid XXXX {$1800.00} on XX/XX/XXXX ( the CY insurance premium ) which was a duplicate premium payment.
I have tried calling multiple times during Dovenmuehle 's limited customer service hours of operations, waited on hold to be asked by a resource to leave a message. When I ask to just wait on hold, I'm told I will be sent to the end of the line/enter the queue as a new caller and will likely be picked up by them again to leave a message. I explained my situation, and they offered to escalate to a supervisor. The supervisor I talked with was unable to provide resolution other than an attempt to stop payment on their check but they have no process nor take any responsibility to ensure that the mismanaged escrow funds were returned timely to the account to ensure adequate funds coverage for upcoming property tax payments as well as the escrow analysis which would result in an increased monthly payment that was not really needed ... all due to their mismanagement of our insurance policy documentation and payments.
Ultimately the supervisor proceeded to talk over me, offered no resolution other than a stop check payment on something paid weeks ago ( i.e., would not be effective ), pointed the issue to me as the homeowner to figure out ... she also made an attempt to say it was an issue on XXXX XXXX part and not Dovenmuehle as the loan servicer. When trying to interject her tirade about who was to blame instead of solving the issue at hand, she abruptly switched me over to an automated feedback survey that did not allow me to return to the customer service queue. I attempted to call back in but due to the limited customer service hours, it was then past their hours of operations so I'll have to try back again another day.
This is unacceptable and there is no accountability on their part to ensure they are taking care of their customers that are actually paying ( NOT in forbearance ).
I now must spend my time running this down, the stop check option that was the only resolution offered would've caused XXXX to incur a charge that they would've passed along to me ( per my discussion with them this evening ). XXXX did not recommend this option as it would cost me money in the end.
To reiterate ... this harms the borrower ( me ) by requiring me to spend hours on calls between XXXX and Dovenmuehle Mortgage , Inc. due to the loan servicer 's mistake ( opportunity cost of my time ) as well as the time value of money for any additional payments required to cover property tax payments ( due to insufficient escrow fund balance ) and the likely increased monthly payment that will occur as a result of the escrow analysis that won't take into account the duplicate payment if not resolved timely.
This also harms XXXX as the homeowners insurance provider as they must now utilize their resources to support multiple phone calls from me as well as process the second payment and eventually issue a refund at some point in time once this is able to be resolved.
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| 11/10/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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I've been in loss mitigation for this loan for some time. Due to a problem with IRS, I did not have the documents needed to complete the application and remained in touch with the loss mitigation team. During a recent disaster declaration on our island, XXXX XXXX cancelled my loss mitigation process and put the loan into forclosure.
I worked with HUD and a HUD housing counselor who got onto a conference call with the mortgagor. This was very helpful as the mortgagor has been difficult to deal with and has made statements that I know to be untrue.
This call was on or are XX/XX/XXXX of XXXX. There was a list of 5 documents that although each has been provided, the representative we worked with claims not to have ever received.
The five documents include page one and 2 of the application, a hardship letter, a letter explaining my income, one of the following 2 most recent bank statements showing self employment deposits amounts ( this is what I included ), quarterly profit/loss statement, most recent complete and signed business tax return or the same personal tax return ( this was previously provided as well as as completing and signing the form for a transcript of tax returns-personal and business tax return is the same as I file as a single member llc ).
All of these documents were again uploaded to the portal on or around the XXXX of XXXX. I did not " double '' my submission that time by also emailing the documents although that became my standard practice following this communication.
I separately sent an email requesting the pay off and recent statement be sent to me, this was printed signed and emailed as requested.
The payoff statement has not been received and the request ( wet signed and dated ) was again sent on XX/XX/XXXX via email and postal mail.
XXXX XXXX continued to claim that did not have the documents in their possession.
Again, a call with the HUD Housing Counselor was made with the loss mitigation department. They again claimed not to have the documents. We questioned this specifically but the rep could not confirm what was uploaded or emailed. She could not follow up on previous document submissions, could only read the screen that said they weren't there.
On XXXX, the same documents were emailed to the loss mitigation department as instructed as well as uploading to the portal. My HUD counselor recommended reaching out to Consumer Finance Protection division as you are the correct entity to complain to-she seemed to agree that we were getting the run around.
On XXXX I sent a hard ship letter that was requested during the hud counselor call, it was not sent on the XXXX as it had not been created yet. This letter is the same exact information that is asked of me every single time I call in, it relates to the events and circumstances that led to the hardship. I personally feel that this practice of forcing those of us in uncertain times to revisit the pain and loss that we suffered in order to speak with the mortgage company cruel and unusual punishment. Nevertheless, the letter was written, ink signed, and dated.
On XXXX first, I received a call which I thought was in reference to my message following up on the pay off statement. The representative from the loss mitigation department had no information about that. I was not surprised to find they were again citing " missing '' documents.
Now they state that if the documents I sent were the " two most recent bank statements with self employment income '' that I should write a letter, print it, and ink sign it, scan it back in and send to them to certify that the documents I sent were in fact the " two most recent bank statements with self employment income ''.
The tax returns submitted and the signed release for transcript submitted months ago so they could request copies from the IRS did not seem to qualify although the requirement was for EITHER two most recent... or the complete signed and dated business/personal tax return of which they had ALL.
In other words, they are requesting additional documents of me. 2 bank statements OR 2 tax returns is the requirement-not 2 bank statements, 2 tax returns and a letter explaining why these are the documents.
To date, I am going to lose my home to forclosure because the company will neither work with me in good faith towards a loan modification nor provide the pay off so that another mortgager can take over the loan.
At this point, I can't reduce the mortgage because of the cat and mouse games with the required documents. I have another lender but can not pay it off without a pay off number.
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| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is subsequent to # XXXX-XXXX filed on XX/XX/2021, and # XXXX-XXXX filed XX/XX/2021 and is specifically focused on my mortgage servicer 's unethical disabling of my payment portal by Dovenmuehle Mortgage , Inc., 1 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, Phone : XXXX ( XXXX ) XXXX,.
On XX/XX/2021, I was granted an opportunity to pay a one time payment of {$910.00} towards my XXXX mortgage payment. After several month 's of protesting an accounting error in which Dovenmuele manufactured an escrow shortage against my account, this payment was to serve as part of a work-around while a long-term solution was supposedly in the works. Within a letter signed by a XXXX XXXX, it clearly stated that my payment would SATISFY my principle and interest for the month of XXXX. However, in a letter dated XX/XX/2021, 15 days after I made this payment, I was accused of being delinquent with my XXXX Mortgage payment. It was as if Ms. XXXX 's letter never existed.
Elsewhere in the letter, and via phone and email conversations with personnel at XXXX XXXX ( XXXX XXXX ) and the Loss Mitigation personnel at Dovenmuele ( XXXX ), I was led to believe that a long term solution had already been discussed and was already " in the works ''. All that was needed for implementation of the fix was for me to make contact with the loss mitigation department to discuss the matter. However, once managed to make contact with the loss mitigation on XX/XX/2021, not one person knew about any long-term plan. Nor did anyone know who XXXX XXXX was, not how to reach her.
On XX/XX/2021, when I access my online account to make the approved payment, I came to discover the " Pay Other Amount '' option was disabled. When I brought this to the attention of the Loss Mitigation representative who assisted me on XX/XX/2021 ( XXXX ), he was unable to articulate why this customer service feature was disabled. He attempted to resolve the issue while I waited on hold for a lengthy amount of time, but was unsuccessful.
When XXXX returned to the phone, I was informed that the option to pay an " other amount '' would become active once I made my initial payment. I would then be able to make subsequent payments from that point, moving forward.
Believing what I had been told was true, I submitted my approved payment of {$910.00}. Before making the payment, XXXX stated he would send me a follow up email highlighting the details of our transaction, as well as the resolve moving forward. He then handed me off to a customer service agent who completed the check-by-phone process.
After submitting my payment, I looked for an email from XXXX, but it never arrived. An hour or two later, I called Dovenmuehle, and asked to speak with XXXX again, but I was told he was unavailable. The Agent servicing the call told me they would send a message to XXXX, reminding him of his promise to follow up with me with regarding the details and status of my Flex Modification request.
Although I did receive a confirmation email regarding receipt of my XXXX mortgage payment, it had not been applied to my account properly. As of today, 30 days since I submitted the approved {$910.00}, my online payment portal is still prompting me for a XXXX payment. Additionally my payment history ledger is also not showing a payment made for XXXX. Although there is a pdf statement which shows the payment, it is being reflected as a partial payment with {$140.00} outstanding. This is not how I understood the offer from Ms. XXXX would be.
At this point, not only am I barred from making any partial payments at all, the payment portal is now prompting me for two monthly payments ( XXXX and XXXX ) in order to have access to pay additional amounts towards my principle or interest.
In closing, I do not believe it to be proper, or legal to be told a payment would satisfy my XXXX mortgage, and then have it written up as something other than satisfying my mortgage payment. Nor do I believe it is fair, to be barred from making additional good faith payments for subsequent months. The customer should not be made to suffer financially due to a mortgage servicer 's own internal accounting errors.
It has occurred to me that Dovenmuele Mortgage, inc. may be clouding my payment history so that I am subject to derogatory marks against my credit. By doing so, they will render me incapable of seeking refinancing with another mortgage lender for at least one year.
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| 07/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased said property through a different lender about 1 year ago ( summer of XX/XX/XXXX) with the intent of building on it once we had our plans/builders/construction loan in place. Statements were to be sent as indicated in our closing documents to address that was different from the address of the said property. Loan was subsequently sold to the party involved in this complaint. We made our payments based on what was in our closing documents. Fast forward to XX/XX/XXXX, we get a call from current lender - Dovenmuehle Mortgage - that our XX/XX/XXXX payment had not been received. This was the first and only notification we had received from the company and it was a call to our home phone number. The XX/XX/XXXX payment was paid on the spot and nothing else was said about our account. On XX/XX/XXXX we proceed with our Construction Loan only to find out that Dovenmuehle Mortgage had flagged our credit dropping my credit score from over 830 to XXXX ( I keep a close eye on it ) and my husbands dropped from the 750 range to the low 700s with an over 30 day late payment on our account. When the construction loan officer asked why we didn't just pay the late fee and payment as soon as the next statement came in, we informed him that we paid as soon as we were made aware of the missed payment and never received the statement. I contacted Dovenmuehle that same day and spoke with XXXX. in Customer Service. She commented that there were a lot of " notes '' on our account. When I was surprised and asked " what notes? '' she proceeded to tell me that our statements have been returned to them as well as our escrow refund. She then tells me they have been sent to the property address on the loan and returned but sees in the financial documents that they should have gone to XXXX and proceeds to read off the correct mailing address. She then says " I have never seen anything like this - we made a mistake. '' She then tells me she is going to talk with her supervisor who advises us to email an inquiry to the research department ( I asked to speak with someone in that department but was told there was no one I could speak with ). Before I hung up that day I asked for a copy of the notes on our account but was told they could not be released due to audit procedures. I proceed to email the Research Department with concerns that we did not receive any statements or late notices from the company prior to them flagging our account. On XX/XX/XXXX, still not receiving ANY response from the company 's research department, I call back and am told by XXXX. in customer service that the research department won't make a decision until XXXX XXXX. I asked to speak with a supervisor and was connected with XXXX. and was told " that's how it's done here. '' I then asked to speak with her supervisor who was " at lunch '' and was put in touch with a different supervisor XXXX. who was actually very helpful. She looks at the notes on the account and says she is going to " try to expedite this request and I should get a call back within 2-4 hours. '' She also said that we " should have received calls about the statements and refund being returned and the shortcomings in payment '' ( which we were also unaware of ). We had no idea that the payments we were making were approximately {$2.00} short each month and when I asked if that was going to affect anything I was told " no, they have been taking it from your escrow account. '' I again asked for copies of the notes on our account and was told we could not get them. XX/XX/XXXX still no call from Dovenmuehle and I leave a message for XXXX. to please call. XX/XX/XXXX having received no call back from anyone, I call again and get XXXX. who says there will be no expediting the claim and they have no intention of correcting our credit even though we had NO notification of late payment. We put in a formal written request for copies of the notes on our account and have heard nothing from the company. Dovenmuehle Mortgage failed to provide periodic statements which impacted our credit history, failed to return escrow refunds, and utilized escrow funds in a manner without permission. All of this could have been prevented if the company had simply called to discuss the returned items ( they obviously had the correct phone number on the account ). All documents and emails sent are attached. Additional mortgage statements with incorrect address can be emailed if needed.
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| 02/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I inherited the house from my late mother that I have been living in this very house since XXXX. I also inherited the 1st loan and the 2nd loan on the house. As soon as I received the Grant Deed on XX/XX/2019, I forwarded them to the mortgage companies. The 1st loan on the house accepted the paper work and has been taking money out of my checking account every month. I have not had any problems with them.
The problem : The 2nd loan on the house was with XXXX XXXX XXXX, I walked into the XXXX XXXX XXXX branch in XXXX XXXX, XXXX right after I received the Grant Deed to the house, I presented the Grant Deed of the house in my name, the manger took copies of the Grant Deed and my XXXX ID and faxed them to their XXXX Department XXXX XXXX XXXX, then the manger asked me to come back next week, so I did come back after a week, the manger of the bank said this mortgage is with Dovenmuehle and XXXX XXXX. He said he has submitted all my paper work to the responsible parties. He said everything has been taking care of.
Over 2 years I have been making payments to the second loan on the house by my banks official Cashiers Checks, which my bank has a record of all of them. I was paying my property taxes to XXXX XXXX County Tax my self. All of a sudden I found out that the 2nd on the house includes an Escrow account. Then I found out that escrow account was paying my Taxes as well? At first XXXX County Tax thought that the my house was sold and they had charged me major taxes and the escrow account was paying them. I had my cousin Tax Lawyer to contact XXXX Tax office and fixed the situation. XXXX Tax told my cousin lawyer that they will refund the extra Taxes to the escrow account.
My payments for the 2nd loan should be around {$900.00} a month. But I was paying my 2nd {$5000.00}, {$6000.00}, and more a month? I could not afforded to that any longer. I kept calling DovenmuehleXXXX XXXX XXXX many many times, The response of Dovenmuehle/XXXX XXXX XXXX has been : XXXX We DovenmuehleXXXX XXXX XXXX Do Not Know Who You Are , We Are Not Authorized To Speak With You ''.
So I went to the XXXX XXXX XXXX again, I walked into the XXXX XXXX XXXX branch in XXXX XXXX, XXXX I spoke with the manger, I showed her the Grant Deed to the house, my Current US Passport and my Current California Drivers License, I explained the situation to her, she said don't worry, she copied all my paper work and my ID, she faxed them in front of me, then she called someone in the loan department, left him a voice mail explaining everything, left my phone number in the voicemail in front of me. She said everything is taking care of and she said if they need anything they will contact you. But nothing changed. I started sending XXXX XXXX XXXX/Dovenmuehle letters and nothing has changed. I was Still sending them payments every time I got a bill from Dovenmuehle. Then one day I went to my bank and my Checking Account balance was low, I looked into it and found out from the bank that Dovenmuehle took over {$6000.00} from my account. I asked the bank to block Dovenmuehle from my account and they did it.
About a month or so ago Dovenmuehle send me a {$15000.00} and change check with a letter saying this was some of the money in left over in your escrow account and I deposited the check in my account.
I started receiving " threatening '' letters from Dovenmuehle saying that my house is going to go in foreclosure?
So about two weeks ago I called Dovenmuehle, which XXXX XXXX XXXX answered, I gave them the loan account number and they Refused to speak to me again and transferred me to another one of their agents, and the other agent did speak to me. She said there is a lot of money in my escrow account, I told her to Please : " Close the Escrow Account, Refund All the Money In the Escrow Account back to me '' the DovenmuehleXXXX XXXX XXXX agent said said Yes, it will be done, but nothing has happened yet.
I keep receiving letters threating me for foreclosure. I tried to hire a lawyer, but they asked me for all of money up front, I am on a fixed budget and I can not afford to hire a lawyer. I have a wife and XXXX small children, I have done Nothing Wrong, please Help.
I believe that DovenmuehleXXXX XXXX XXXX stealing my money. I hope you, Consumerfinance.gov can catch them and prosecute them for all they have done to me. I am Worried, Nerves, Anxious. I have had many many sleepless nights because of this situation.
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| 09/17/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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The purpose of this timeline and attachments is to provide the confusing telephone conversations and paperwork provided to me.
Below is the Consumer financial protection complaint made on XX/XX/2021 outlining the concerns that started on XX/XX/2021, and the confusing information provided thereafter.
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2021 I called Dovenmuehle to request to end our mortgage forbearance. I was told I would receive the documents to sign within 7 to 8 days. On XX/XX/2021 I called Dovenmuehle relaying that I had not received the requested paperwork. I was then told the process could to up to 4 weeks as the loan was still under review. I questioned what the review process entailed and was not provided with a satisfactory answer. Today XX/XX/2021 I still have not received the paperwork and was informed by the Dovenmuehle rep. that Dovenmuehle did not have the paperwork and it would be coming directly from the VA as it was still under review which contradicts the two prior phone calls. End goal someone send the paperwork.
XX/XX/2021 Phone Call Per Dovenmuehle the account was still in review XX/XX/2021 Phone Call Account is still in review and process can now take up to ninety days XX/XX/2021 I called Dovenmuehle and spoke with XXXX, a Customer Service Representative ( CSR ), to request documents again that were " under review. '' Per the CSR, XXXX XXXX denied the Covid VA Partial Claim Payment Program on XX/XX/2021 for no reason. The CSR stated that she would email XXXX XXXX for a reason.
Additionally, I called the Veteran Affairs Department and was told that XXXX XXXX could do whatever they wanted even though it is a VA loan.
I called back and spoke to XXXX, requesting a payment plan be set up and connected to XXXX, a supervisor? XXXX explained that I was not eligible for this option because the account was seventeen months in arrears and that only accounts in arrears for twelve months were eligible. Additionally, she stated that payments should have begun in XXXX. However, I was waiting for paperwork from Dovenmuehle that had yet to arrive. I said that I would make a payment immediately. XXXX also stated that she, too, would email XXXX XXXX to explain the confusion on payments. XXXX assured me that the Covid VA Partial Claim Program was still an option and that I needed to wait two to three weeks to contact the Loss Mitigation Department to obtain XXXX XXXX ' response to her request.
Consequently, I went online to make a payment and was not able to access this feature. I called Dovenmuehle again and spoke with CSR XXXX ( XXXX ). XXXX also stated that he also noted that XXXX XXXX denied the COVID VA Partial Claim Payment Program, which contradicts XXXX 's conversation earlier with me that same day. The CSR explained that I would not be able to make any payments online and incur a telephone fee of {$11.00}. Reluctantly, I made the payment on the phone, and the payment cleared my bank that day, XX/XX/2021. However, the payment is not reflecting on the account as of XX/XX/2021.
XX/XX/2021 I received a package dated XX/XX/2021, with a postmark of XX/XX/2021. The letter provided three options.
Option one is the COVID VA Partial Claim Payment Program, and if that option was chosen, I needed to do nothing. This option is a direct contradiction that I received on XX/XX/2021 from XXXX.
Option two is to complete a loss mitigation evaluation package that needs to be completed within 90 days. Please note attached.
Option three is to pay the total amount or request a payment plan. However, the letter does not state the repayment parameters.
Dovenmuehle should not have provided the letter dated XX/XX/2021, if XXXX XXXX had no intention of allowing the COVID VA Partial Claim Payment Program or a monthly repayment plan.
It has been obviously apparent that Dovenmuehle and Capital Investment purposely stalled our application for the Covid VA Partial Claim Payment Program. We have been thwarted at every turn in the hope that we will default.
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| 08/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I was offered forbearance from my lender Dovenmuehle/ XXXX XXXX XXXX In XX/XX/XXXX I was contacted by my lender who stated that my forbearance was up and asked if I was still experiencing hardship. I was and I responded with yes. I was offered a loan modification which could add missing payments to the end of my loan and get a lower interest rate that will lower my monthly payments. I was also told that I would need to resume payments starting with XX/XX/XXXX which I did through XX/XX/XXXX. I submitted my first loan modification application on XX/XX/XXXX and all required documents by XX/XX/XXXX via the loan solutions portal provided to me by my lender.
I was told that was all I needed to do and that I will be contacted if anything more was needed. I called every week for 3 months straight, requesting a status of my application but was told to be patient due to covid-19. I called a total of 26 times and was repeatedly told to be patient as my request was still under review. Finally I called on XX/XX/XXXX and demanded to speak with a manager because it has now been 90 days since my application was submitted and that I was not making another payment until I speak with someone about my loan modification application. I was put on a long hold and the rep returned and said that there was a problem with my account and that someone will be in contact to explain what happened to my application and documents within 24 hours. I never received a call back.
I called again on XX/XX/XXXX and was told that my specialist was XXXX XXXX who now requests that I start a new application and offered no explanation of my first application and documents. I became upset and asked to speak with her supervisor XXXX XXXX and demanded some explanation as to why I was repeatedly told to be patient when no one was reviewing it. XXXX got on the line and proceeded to tell me that there was a system error that left my account in forbearance and that the lack of processing was no fault of hers or XXXX 's. She also stated that she was not going to expedite my new request because that would not be fare to others also waiting for processing. Finally she stated that XXXX now has another 37 days to get back to me and that there was nothing more for me to do but to be patient.
I felt this was rude and unfair and that XXXX was defensive and unprofessional and lied about my account error and being returned to forbearance because I was never told this when calling weekly to check the status. I was always told it is under review with loss mitigation, and not the forbearance department. I filed a complaint against XXXX and XXXX that day ( XX/XX/XXXX ). I expected for some manager to get back to me with a resolution but I heard nothing. I resubmitted my application and supported documents again on XX/XX/XXXX. I called two days later XX/XX/XXXX and asked to speak with XXXX 's supervisors XXXX and XXXX and was told that an email along with my complaint has been sent to them and one of them will email me. I then called again on XX/XX/XXXX and requested to speak with XXXX or XXXX as i heard nothing back from them but was told they were not available.
I then asked to file another complaint on XX/XX/XXXX requesting that someone listen to my and XXXX 's call to debunk her lies and to give me a status of my application. I called again on XX/XX/XXXX as I have not been contacted about any of my complaints of my previous application issues. My last call was on Monday XX/XX/XXXX where I asked to speak to XXXX or XXXX about the status of my modification as all documents were again uploaded for a third time on XX/XX/XXXX but the account still shows the same documents as missing.
My complaints are for XXXX 's lack of attention, response and processing of my first and second loss mitigation applications/documents as well as XXXX 's very rude and false phone call informing me that my loan was coded incorrectly which caused it to fall through the cracks and that I will be placed at the end of the processing list despite having submitted my applications over 5 months ago. Your immediate assistance is requested in resolving these issue with the mishandling of my loan modification and the reps telling lies and avoiding my review request and to get my loan modified correctly and timely. I feel that this is an attempt to avoid me having my loan modified which is my right by law. Thank you, XXXX XXXX
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| 12/14/2021 |
Yes |
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- Trouble during payment process
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Web |
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The company continues to state incorrect information as to the return of the partial claim documents, theyve failed to explain how the payments Ive made in XXXX have been applied to my account. The payment history only shows the payment amount and payment date. The company has provided the payment history and it does not show where the money has been applied. In the response to my XX/XX/XXXX, the company stated that I never returned the first set of partial claims documents when I called the company over 15 times ( which Ive provided details about in my previous complaint ) advising that Id never received them. What date were the first set mailed out? How come the company didnt advise me of that on one of the many calls I made to the company advising that I had not received the partial claim documents. Were they mailed out before your companys counsel met with my bankruptcy attorney for approval for the partial claim? The company stated in the very next sentence that theyd received my signed and notarized partial claim documents on XX/XX/XXXX ( the first set Id ever received from my attorney via email ). However, the company states the documents had to be drawn up again because of a request I made to move payments in my suspense account to my escrow account? Please provide a breakdown of the difference in the partial claim amount on the old/new documents because the partial claim amount I show on the documents I returned and the new ones drawn up is still $ XXXX. The gazillion reps I spoke to-as documented in my previous complaints never mentioned that new docs were being drawn up. Instead they kept telling me theyd send them to me again and again, or that my attorney had them when I confirmed with my attorney that they did not have the documents and then FINALLY my attorney received them from your attorney which I returned right away and then for almost a month after I returned them ( certified mail ) your loss mitigation team told me to wait for the docs to be processed and that your company was overwhelmed due to COVID-19 Forbearance requests. The second issue is in the response, the company stated that the partial claim amounts includes missed payments for XX/XX/XXXX, XXXX. The payment history theyve provided shows the payments Ive made XX/XX/XXXX thru XX/XX/XXXX. The payment history DOES NOT indicate which month/year the payment was applied to. I made a payment of {$1600.00} in XXXX per the companys payment history. I need a detailed explanation as to why the partial claim amount includes an amount of {$1600.00} for the XX/XX/XXXX payment. Please advise which month my XX/XX/XXXX payment was applied to. The company stated the partial claim amount includes a payment for XX/XX/XXXX. According to the payment history, I made a {$1300.00} payment on XX/XX/XXXX. I need a detailed explanation of what month my XXXX payment was applied to. Per your response, the partial claim amount includes an amount of {$1600.00} for the XX/XX/XXXX payment. In XXXX of XXXX, I made a payment of {$1600.00}, I am requesting a detailed explanation of what month my XXXX payment was applied to because again the partial claim amount includes {$1600.00} for the XX/XX/XXXX missed payment. I am requesting a detailed explanation for each payment made in XXXX, I need to know what month each payment was applied to. If its on the payment history that youve provided, please tell me where to look and how to read. Once again, a simple phone call will do. In the company response dated XX/XX/XXXX, the company stated that when I resumed making payments in XXXX of XXXX that Id made payments on the account which advanced the due date to the point that on XX/XX/XXXX ( when the new partial claim documents were drawn up ( ten months after I ended the Covid19 Forbearance ), the loan was due for XX/XX/XXXX. I did not make any payments to the account XX/XX/XXXX thruXXXX Please provide a detailed breakdown of any payments that you show I made during this period, XX/XX/XXXX thru XX/XX/XXXX, the period I was on the COVID-19 Forbearance, including the name of the bank it came from. I couldnt afford to make payments during that time which is the reason I took the Covid19 forbearance in the first place. I do wish to move forward with the COVID19 partial claim only. However, I need to understand the partial claim amount calculations. Thanks,
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I filed for Forbarance in XXXX XXXX XXXX due to being laid off in XXXX XXXX XXXX. After speaking with a repesentative they sent me the application which I imeadiatley filled out and sent back to the the mortgage company. The rep advised me that it would take 30 days to process my application and to get me on the forbearance plan, and assured me that once this is done, my credit would not be affected due to being protected by loss mitigation. 30 days went by, no updates or response. I then started calling every other day to inquire about what was taking so long as my account was dwindling and I really needed help with mortgage payments. Everyrtime I called I was getting different information that my application was in progress, or they didn't see my application. This went on for months. I then had to fill out another application in XXXX XXXX because they said that the process was taking so long that my application was now inactive and I needed to submit another one. At this time, I am now asking, if I can't make a payment, will my credit be affected because of how long this process is taking. Everytime I called, i was assured my multiple representatives that my credit would not be affected if I could not make a payment because I was under loss mitigation. Because of the long and dragged out process of getting on forbarance i came to a point in may where i could no longer make payments. I called the loss mitigation company twice to talk to two different reps to ask them and confirm that if i didn't make a payment while my application is still in progress that my credit would NOT be affected. They assured me if I could not make a payment i would be protected under loss mitigation and that i wouldn't have to make anymore payments and then when the application was approved i would be protected under the same thing. Fast forward to XXXX, my application after 6 whole months was approved for forbearance due to unemployment for 10 months. I then asked again just to confirm that once I sign the agreement that my credit is protected. they said yes. In XXXX I got my first ding to my credit. I called and asked because i was super confused as to why i got a ding on my credit. The rep then told me completely different information. They said that i am not protected under the application for loss mitigation for not making payments even though previous reps told me otherwise. I immediately told her this needed to be fixed because i was told something completely different. I then emailed the loss proxy email she gave me and expressed my concern and asked them to listen to the muiltiple recordings of their reps telling me inaccurate information at which they basically responded that the mark on my account will still stand regardless which is WRONG. Fast forward to XXXX, and i am still getting dings on my report, at which i call again and I tell a rep that i was told by multiple people the wrong info but that they also told me under loss mitigation and being in active forbarence i would not receive dings to my credit, to which she told me this is true. i email the proxy again, and they STILL do nothing about it. I call multiple times again to the present to try to fix it and multiple reps give me different info that I am protected or I am not protected, or this was a thing they rolled out only for COVID. if that is the case why am i given improper information across the WHOLE organization and being penalized for it. My credit is something that is important to me and I was only doing what I was told by the representatives. I should not be penalized AT ALL for the lack of training in this org and being mislead multiple times. If this was the case i would've made sure to be in good standing by trying to find a way to make payments for XXXX and XXXX, and would've never attempted to get on forbearance if i know it was going to take that long, OR get my credit shot by the creditors own doing. It is sad to know I needed help and it went to my own demise, due to the lack of support and inaccuracies in the information provided. I also want to note that MULTIPLE TIMES i asked for them to listen to the recordings of ALL conversations and they made no effort to. Whats the point of having call recordings if you dont listen to them and own up to your companies mistakes?
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| 04/28/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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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.
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| 04/25/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX, I attempted to use Dovenmuehle 's website to pay my mortgage. I was not prompted to choose an account. Their website defaulted to my personal checking account instead of the account I had used to make every single one of my prior payments besides one before.
The payment failed and I was not informed of this. I had to call Dovenmuehle myself to see why the payment hadn't been remitted from my account. At this time, they told me the payment failed and that I needed to submit another. I did so. The next day I checked to see if the payment went through, and was informed that they had cancelled my payment attempt and that I was required to send them a physical cashier 's check and that I would no longer be allowed to make payments electronically for XXXX months.
They told me over the phone, email and through my monthly statements that I can make electronic payments through XXXX XXXX. I attempted to do this, and was unable to do so for multiple days. I spent upwards of XXXX hours attempting to follow Dovenmuehle 's instructions for paying through XXXX XXXX, only to find out that it is impossible.
Dovenmuehle promotes XXXX XXXX as a payment option, and describes providing a password to the XXXX XXXX rep, but there is no place for the XXXX XXXX rep to add a password. Every single one of them that I spoke to, dozens of them, said that what Dovenmuehle was describing wasn't a function of their system.
When I reached out to Dovenmuehle about this, they said there was nothing they could do and that I am still not allowed to make electronic payments. They claim that I have XXXX failed payments, and that their policy is to remove their customer 's ability to securely pay them if that happens, and force the customer to use error prone physical delivery services using the equivalent of cash.
There should have never been XXXX, or XXXX, failed payments. The first occurred in XXXX of XXXX. I used their website to set up a payment for a later date, and it submitted instantly instead. I called their customer service line immediately and asked them to cancel the payment. I was told that this was impossible. Somehow though, they were able to cancel my payment attempt in XXXX.
They told me there was nothing that could be done to allow me to make my payments electronically. Yet somehow, their customer service department was able to make an exception one time after I called in regarding my experience with XXXX XXXX.
They have lied to me over and over again. Their website is a buggy mess, and their ineptitude in this department has caused me a tremendous amount of stress.
Now, we come to XXXX of XXXX. I mailed my payment to them in certified funds on XX/XX/XXXX. I have proof of this. They have still not applied the payment as a credit to my account as of today, XX/XX/XXXX. It does not take 12 days to mail an envelope from XXXX to XXXX
They are charging me late fees, and threatening to foreclose on my home if I don't pay them XXXX 's mortgage. I have already paid it. I don't have that money anymore because it was used to pay for the cashier 's check that they force me pay them with now.
They have lied to me about being able to cancel payments. They have lied to me about their promoted payment option of XXXX XXXX. They have lied to me about their ability to reverse the electronic payments lock. Now they have either stolen my XXXX payment, or failed to comply with XXXX Payments A by not applying my payment on the day it was received.
The contract that allows them to do this is unconscionable. I have no bargaining power in this situation. I am forced to pay them in an archaic manner that is prone to errors. To whomever is reading this ... Would you feel comfortable putting {$3000.00} in a cash equivalent in an envelope and mailing it to yourself? This is not reasonable in any way, shape or form. It is abusive, and their end goal is to foreclose on my home which has accrued considerable equity, take the profits and force myself and my family onto the streets.
I have no ability to defend myself against them. If they " lose '' the envelope with my money in it, what am I supposed to do?
I have the recorded phone calls as well, but they are at the office. I'm happy to provide those if they would help.
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| 04/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My mortgage company has recently placed me on the equivalent of a two edged sword in regards to the interest I am paying on my mortgage. It seems no matter what I do to reverse this trend matters are getting worse.
I have pre-paid all due payments including all mortgage interest pre-charged and all escrow payments due for the entire year of XX/XX/XXXX. It has been my habit, my entire adult life to pay ahead on every loan I have ever had. Yet, I have never had a company handle my payments ahead of schedule in this manner..
What they have been doing is pre-charging my payments the interest that would have been due if I had kept to the normal payment due schedule of the loan contract. In short, what this creates is a situation where I am being pre-charged interest on money that I no longer owe.
For example : On XX/XX/XXXX in regards to my payment due XX/XX/XXXX. I was pre-charged {$87.00} interest on a projected outstanding principal balance of {$16000.00}. My contract has No prepayment penalty with an interest rate of 6.4 %. My current outstanding principal balance as of XX/XX/XXXX is {$9700.00}. I was pre-charged interest on {$6500.00} that I do not owe.
My next scheduled payment was not due until XX/XX/XXXX. In my attempt to stop the over charging of interest I sent in a payment in early XX/XX/XXXX of this year will documentation clearly marked requesting a principal only posting and clearly showing that my next regular payment due was to remain XX/XX/XXXX. This payment was posted on XX/XX/XXXX.
My request to have the entire payment of {$350.00} posted towards my principal balance was ignored and {$53.00} interest and {$53.00} was posted toward next years escrow. Therefore only {$240.00} was posted toward my principal balance. I was pre-charged interest on a projected outstanding principal balance of {$9900.00} for XX/XX/XXXX. My incorrect principal balance of {$9700.00} ( they are reporting now ) is already {$240.00} less than the amount I was pre-charged interest on.
The double edge sword is ; after I make my next 7 monthly payments of $ XXXX/m during XX/XX/XXXX through XX/XX/XXXX of this year all with requests for principal only payments and keeping my next scheduled payment due XX/XX/XXXX, my projected principal balance will be aprx. {$7200.00}. Once again I will have been pre-charged interest on {$2600.00} I will not owe!
My contacts with mortgage company have been for the most part ignored. There were also irregularities in the way they posted my payment in XX/XX/XXXX. After the payment they received and posted on XX/XX/XXXX they stopped sending me statements. Not until I called early XX/XX/XXXX voicing my concerns over not receiving a receipt for my payment in XX/XX/XXXX I had no statement sent to me with a coupon for my next payment due in nearly 6 weeks. Without notifying me and without my request the erroneously posted my entire XX/XX/XXXX payment to principal pulling no interest and no escrow for that regularly scheduled payment. This action they took made it nearly impossible for me to accurately account for interest I had been overcharged for XX/XX/XXXX. I ended up going almost 66 days with no payment posted which amplified my compounded interested due.
Other irregularities include and are not limited to disappearing interest paid in there reporting documents. On my XX/XX/XXXX mortgage statement my year to date interest paid was reported as being {$2000.00}. Yet, on the XXXX for XX/XX/XXXX sent to the IRS my mortgage interest paid was reported as being {$1500.00}. On my XX/XX/XXXX statement my ytd interest paid was reported as being {$94.00}. What happened to {$530.00} of interest collected? My attempts to have current year to dated interest paid as of XX/XX/XXXX to include and reflect the missing {$530.00} have been ignored. I have other ongoing issues with this mortgage co which they obviously do not wish to resolve. I have supporting documents for every item I have presented. They are available upon request.
All other loans I have ever had, I paid ahead. My lender would charge me the interest I had accrued since my last payment. I HAVE NEVER BEEN PRE-CHARGED INTEREST LIKE THIS BEFORE! It opens the door for obvious problems and give license to steal from me. I am poor. This hurts.
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| 08/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 04/26/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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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!
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| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After receiving assistance from the XXXX program XX/XX/XXXX, I constantly called XXXX Mortgage to find out what my ongoing monthly payments are and was told the payment has not been applied to my account therefore they will not know what my ongoing payments are until the payment is applied. However, on XX/XX/XXXX I received a statement stating I owe {$3300.00} for XXXX, XXXX and XX/XX/XXXX, due good through XX/XX/XXXX. Which is on a Saturday and I had to rush to the post office and mail a check for the balance so it will be posted dated by XX/XX/XXXX. The check was received and cashed on XX/XX/XXXX however, the check is still sitting in a suspense account and no one can tell me exactly why its been over a month and it has not been applied to my account. Also, I paid my property taxes in full for the year and I am not able to have a re-analysis of my escrow because my payments are not being applied to my mortgage. I submitted the mortgage payment of {$1000.00} for XX/XX/XXXX on XX/XX/XXXX however the check was sent back. I sent another check in on XX/XX/XXXX. I spoke with a representative today with employee ID : XXXX and now I am being told I owe a {$39.00} late fee from XXXX which is 5 years ago. I asked the representative why a {$39.00} late payment was not included in the total amount due provided to the XXXX program for assistance, and she stated that she did not know. She stated I owe a balance of {$2100.00} for XXXX and XX/XX/XXXX. I asked her what are my monthly payments and she could not tell me. I told her that someone last week and they told me I owe {$1000.00} and she said correct. However, no one can tell me what my monthly payments are and no one can tell me why the payments are not apply to my account. She say that the payments are just sitting there in your account but she doesnt know when they will be applied to my account. she stated it may take 30 days however, its already been over 30 days.
When I called last week on XX/XX/XXXX I spoke with a representative with employee ID : FLR she also stated I have money just sitting in the account and has not been applied to my account and she does not know why either and she will have to reach out to find out why the account is still in suspense when I am no longer an active loss Mitigation. However, she became very rude when I would not provide her with my personal medical information. She asked me what was my hardship, I told her it was XXXX and she asked me what about XXXX, and I told her I had it. Then she proceeded to ask me if I was in the hospital and I told her that was very sick and if I was was in the hospital was my personal medical business and she became rude and argumentative with me and stated all I had to do is tell her if I was in the hospital. My hardship was over 2 years ago and if I was in the hospital is none of her business. If she wouldve asked me how did it affect me or did I lose my income or loss my job that wouldve been more appropriate. I am trying to find out what the status of my mortgage and they are asking me about a hardship that was over 2 years ago. Everyone at Dovenmuehle Mortgage seems to be clueless. Dovenmuehle Mortgage is egregious and very incompetent. I can not understand how they are allowed to service mortgages or contract with XXXX, XXXX and XXXX agencies especially with seeing all of the negative reviews and comments about their poor customer service and the poor rating with the XXXX XXXX XXXX. Even contacting them in writing I get no response. I get the same standard letter stating they will provide information as promptly as possible however, they never do. It seems like this is standard because I see incidents with people online that receive the same standard letter and get no responses. I requested a leisure or report stating each payment that was made from the funds that were received on my behalf. Especially the {$13000.00} in fees which they stated was for foreclosure fees. They only found one foreclosure in XXXX and Im sure it did not cost {$13000.00}. I would like to see a written ledger or statement of all payments that were included in the {$13000.00} in fees.
Getting information about my mortgage status and mortgage payments should not be this hard.
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| 02/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I purchased my one bedroom condo unit in XXXX XXXX Maryland ( XXXX XXXX ) in XXXX of XXXX, before the housing market crash. What I paid about {$110000.00} for was only going for about {$50000.00} fourteen months later. Investors took advantage this, scoped in and bought up as many units as possible, and started renting them out. The surroundings changed drastically by XXXX. Crime went up in the area, condo fees tripled, without hardly any up-keep to the buildings, parking lot, common areas. My car was broken into constantly, wheels taken, auto insurance premiums went up, investors rented out to XXXX XXXX, XXXX, gangs, and XXXX, mouse, trash everywhere, XXXX, XXXX shots often.
I attempted to apply for a loan modification with XXXX XXXX, as well as the XXXX program, and was told I did not qualify because at the time, I wasn't behind on my mortgage payment, and that my mortgage payment was not significant amount $ XXXX monthly. I also had complete renovated my condo unit, new windows, new sliding glass door, new kitchen, new bathroom, new bedroom, new furnace and AC, new flooring. Over the years, I put so much into this place. At the time I purchased the placed, I wasn't making much money, and it was about the only thing I could afford at the time. But it was no longer safe to live there. One evening a bullet went through my neighbors ' sliding glass door, through the wall to my living room. People loitering in the hallways, blocking the entrance to the building, and to my unit, XXXX XXXX, doing XXXX, XXXX XXXX, having XXXX in the laundry room, stealing other peoples clothes from laundry room, constant foot traffic & car traffic, noise, fighting, and loud music. Police was constantly notified and came often, most of the time way too late. I could barely sleep anymore, which affected my overall health and concentration at work. After complaining to XXXX XXXX XXXX so many times with practically no results for over a year, I decided to cut my losses and move.
I finally find a place, and moved last year in XXXX of XXXX. Praise XXXX. I hired a Realtor to do a Short-Sell, because the unit I purchased in XXXX only appraised for about {$63000.00}. So, as you can see I am still underwater. The Realtor help me to complete all the necessary paper-work. Later, the mortgage company, who acquired my mortgage, that originated with XXXX XXXX, denied approval of the short-sell with no explanation. So I tried again a couple of months later with a different Realtor, and Dovenmuehle Mortgage Inc. located in XXXX XXXX, IL denied the short-sell again, but this time Dovenmuehle notified my Realtor that they would not approve the short-sell until they get more information about if I was renting OR buying where I had moved to, and if I had property insurance on the new place of where I moved to. None of which had nothing to do with the property I moved from in XXXX XXXX Maryland, and those questions were not included in the Loss Mitigation Short Sell Package that my Realtor and I completed. I did report this to the Maryland State Attorney General Office, and they are currently being investigated by the Office of the Commissioner Of Financial Regulation for potential violation.
Dovenmuehle Mortgage Inc. caused me to lose out on two potential Cash-Buyers for the property in XXXX XXXX, and one Veteran VA Loan qualified purchaser, which both Realtors can attest to this. I could no longer keep up and afford to keep paying for two separate places, where I live now, and the old one I left in XXXX XXXX, after six months had passed. Since then, Dovenmuehle has started Foreclosure on the property in XXXX XXXX.
I worked very hard over the years to get my credit score to near excellence, now it has been negatively affected by things out of my control. The financial stress has took a toll on my health, and I not too long ago got out of the hospital after a major XXXX and long stay. How can a person protect themselves from falling victim like this? I talked with two attorneys, even they told me that I did everything right. Do you have any advice or suggestions that can help me protect my credit and financial standing. I have already lost was too much as it is.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX misused and negatively influenced XXXX XXXX XXXX 's information to XXXX, XXXX and multiple other consumer reporting agencies and is now suspect of transferring XXXX XXXX XXXX 's information and the alleged debt to a subservicer through " Dovenmuehle Mortgage, XXXX '' to XXXX XXXX XXXX XXXX XXXX. Below is an explanation of the exhibits of proof as to what has happened up to now. All certified mail receipts and received envelopes from XXXX XXXX are available upon request.
On XX/XX/XXXX, a package with a debt validation letter was sent to XXXX XXXX and received on XX/XX/XXXX by XXXX XXXX. A letter was sent back to me dated XX/XX/XXXX, which was computer automated, replying they had received the information and were working on reviewing it. On XX/XX/XXXX, a copy of this information was submitted via complaint to the CFPB XXXX Consumer Financial Protection Bureau ). XXXX XXXX sent the review letter on XX/XX/XXXX.
It is required by law that XXXX XXXX include all parts needed for the validation process, which would be signed/answered by the original creditor. On XX/XX/XXXX, they sent a copy of the closing documents for said loan and the account history from XX/XX/XXXX to present. They also wrote in the letter how they are choosing not to provide proof of who is the original creditor in this transaction. It is their belief that these documents may be confidential or not relevant or required by law to provide for validation of said debt.
The same envelope as the debt validation letter also contained a cease and desist letter for all forms of communication ( mail, email, telephone ). In addition, XXXX more documents were sent ; a notarized affidavit of truth and an invoice for XXXX XXXX due to civil liability from noncompliance. Package was sent via certified-mail # XXXX XXXX XXXX XXXX XXXX. They wrote that they acknowledged the cease and desist and would only send things pertaining to law. This is an immediate disregard for the purpose of the cease and desist.
On XX/XX/XXXX, mail addressed to XXXX XXXX XXXX was sent by XXXX XXXX XXXX XXXX Lending. There was also no contest to the affidavit of truth sent to XXXX XXXX and they are continuing to neglect the invoice and the fact that they are accountable for civil liability. Attached is proof that XXXX deleted an item furnished by XXXX XXXX onto XXXX XXXX XXXX 's consumer report. This is admission and according to the Fair Credit Reporting Act, reparations are now due.
On XX/XX/XXXX, a " Notice of Servicing Transfer '' was sent by mail. It explained how Dovenmuehle Mortgage XXXX Inc, was the original servicer of the loan and was subservicing said loan under a contractual agreement with XXXX XXXX to XXXXXXXX XXXX XXXX. It is now my understanding that these companies are sharing my information and tarnishing my consumer reports without my consent. They have consistently presented me with false and misleading information, threatened foreclosure and have violated my right to privacy as a consumer. As a result, a letter pertaining of a qualified written request ( QWR ), dispute of debt and in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( XXXX ) and Regulation X XXXX C.F.R. XXXX, and The XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX responded to the CFPB Complaint submitted, which is where they affirmed their understanding of the cease and desist and also that they were still in belief that they supplied enough information for the QWR and the validation of debt. The following was clearly stated, " Again, this is a Qualified Written Request under the Real Estate Settlement Procedures Act, codified as Title XXXX section XXXX ( XXXX ) of the United States Code, a request under the Truth In Lending Act 15 U.S.C. section 1601 and as well as Regulation X Title 24 CFR 3500.21 ( f ) XXXX. RESPA provides substantial penalties and fines for non-compliance or failure to answer my questions provided in this letter within sixty ( XXXX ) days of its receipt. '' This is the last opportunity to clarify and settle all this before a federal court sitting is arranged.
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| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Although I have stabilized my income, and am ready, willing and able to resume mortgage payments, the terms of the loan modification I have received from Dovenmuele Mortgage Services, has errorswhich I do not agree with and must be corrected before moving forward.
Secondly, I have received several packets of documents. All of which are copies of Dovenmuele 's responses to the complaints I filed with the CFPB during the month of XXXX. However, none of the language within the documents make mention of XXXX Mortgage 's effort to correct the mistakes done to my escrow balance on XX/XX/XXXX. These mistakes were not of my making and I should not have to pay for them by way of additional fees and unjustified increases in escrow payments.
Between the months of XX/XX/XXXX and XX/XX/XXXX, Dovenmuele'serrors have inflated my monthly mortgage paymentby an average of {$200.00} per month over what I was approved as being able to afford with my original re-fi loan, on XXXX of XXXX. As I willingly and patiently work to obtain a fair loan modification, Dovenmuele has baked in an accounting error which has deprived me of certain benefits that ought to be availed to me under the XXXX XXXX guidelines pertaining to deferment and loan modification.
Instead of what ought to be a {$710.00} monthly payment ( based on my last conversation with a Loss Mitigation manager, XXXX XXXX on XX/XX/XXXX ), I am being asked to commit to a {$770.00} per month payment.
As of today, I do not agree with the terms of the loan modification as-is. I should not be made to bare the burden of carrying a {$5900.00} Escrow Balance, when my normal escrow is typically {$4200.00} annually. Not to mention the fact Dovenmuele, has spread the {$1700.00} shortage ( they created ) over 12 months instead of the 60 months that XXXX XXXX guidelines allow whenever an escrow shortage is discovered, post deferment.
Furthermore, although Dovenmuele 's response letters do well to point out that my escrow balance reflected a negative {$1700.00} balance after an analysis was completed on XX/XX/XXXX. They completely fail to acknowledge it was their premature calculation of the Deferment amount on XX/XX/XXXX, only 63 days into a 90 day forbearance extension which set this whole ordeal in motion.
Plainly put, it was Dovenmuele 's fault, not mine, that theyfailed to process what is called an " Escrow Advance '' of my XXXX semi-annual tax payment on XX/XX/XXXX, in the amount of $ XXXX fees.
There is no dispute that with the additional in-house fees they went on to charge to my escrow account, my total negative escrow balance was indeed {$1700.00} on XX/XX/XXXX. Where the problem lies is that it was not myfault, it was Dovenmuele that made the miscalculations. Not I. Yet, as of today, over 120 days later, they have neither offered nor made any attempt to make the necessary corrections. Every month of fabricated fees and inflated escrow payments have been at my expense and to the detriment of my other financial responsibilities.
Dovenmuele 's response letter takes no responsibility for the most egregious errors. Nor do they attempt to correct them.The tone of the response letter ( s ) persist in skimming over the crux of my complaint ( s ) and then proceed to blame any mention of an increase to my monthly mortgage paymenton asupposed increase to my annual property tax bill. When the truth of the mater is that the increaseto my annual taxes was only {$55.00}, while my Home Hazard Insurance decreased from {$1100.00} to {$1000.00} ( - {$110.00} ). So in reality, I should have had a net surplus to my escrow of {$XXXX}. However, by the way the response was crafty worded, along with omissions such as the one described, the CFPB would have no way of knowing how my escrow is being manipulated.
The bottom line is that Dovenmuelehas mis-appropriated my escrow funds in a way to cause a near XXXX XXXX dollarescrow shortage and are now sticking me with an inflated monthly payment in orderto force me to make up the difference. Thus, if I dont, I lose my home.
This is completely wrong and I respectfully will not accept this.
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| 10/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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After I was compelled to make two previous CFPB portal complaints about Dovenmuehle and XXXX XXXX the owner, they, albeit supposedly all by coincidence and " accident '' : a ) waited awhile, then misapplied a Federal, ( XXXX XXXX XXXX XXXX ), COVID relief payment intended to pay back my COVID deferred mortgage payments, instead applying it to the 1st principal balance and leaving the COVID deferred " piggyback '' loan intact, causing considerable emotional distress.After I emailed CFPB XXXXounsel and USDOJ directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the action.
b ) bounced my regular monthly mortgage payment via XXXX XXXX, for the first time in 16 years, causing considerable emotional distress.Again, after I emailed CFPB counsel and USDOJ directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the action.
c ) coded multiple historical false " late pays '' into specifically my XXXX account. XXXX then appeared to be complicit with XXXX, disallowing me from going back far enough chronologically to address these in the XXXX webportal XXXX process. Dovenmuehle also claimed I had bounced one check in the past in 2020, then claimed I mysteriously paid a XXXX dollar late fee in XXXX odd installments ayear or two afterwards. After I emailed CFPB counsel and USDOJ and XXXX XXXX directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the late pays at least in part, quickly " wiping '' some or all of the late pays.
To be sure it was cleared up however, I sent Dovenmuehle multiple emailed requests to, in language easily understood by the least sophisticated debtor and transmitted via email with metadata or via other form which would hold up legally, just : XXXX simply confirm, ( regardlessof credit reporting ), that no alleged late pays are still on the account potentially waiting to be charged to me upon any attempt in the future to pay off the mortgage or refinance to escape Dovenmuehle 's clutches. ( If there are still alleged late pays recorded on the account, I asked that Dovenmuehle provide information as to the months, the name of the bank ( s ) and account # 's through which I eventually made late payment corresponding to each alleged month, and dates and the electronic payment numbers corresponding to those payments. Likewise for the late fee payments if any are alleged to exist. ) I asked for this of course in plain english " non-accountant '' language that any lay person could understand, not accountant gobbly-gook or copy of an indecipherable ledger.
Same with their allegation of a single bounced check as alleged in their attached XXXX letter. I asked for : 2. banking institution name and account #, the payment number, and date of the alleged late payment made because of alleged returned check, as alleged in their attached XXXX letter, and the 3. banking institution name and account #, the payment numbers and the dates of thepayments of the two alleged late fees, as alleged in their attached XXXX letter.I asked for this of course in plain English " non-accountant '' language that any lay person could understand, not accountant gobbly-gook or copy of an indecipherable ledger.
XXXX and Dovenmuehle sent back a letter by XXXX ( attached ), which evaded the requested information, and send other likewise obfuscating evasive responses by their inadmissible " XXXX '' messaging system which don't confirm that no alleged late payments still exist, ( or not ), and don't name the : banking institution name, the payment number, and date of the alleged late payment made because of returned check, as alleged in their attached XXXX letter, northebanking institution name, the payment numbers and the dates of thepayments of the two alleged late fees, as alleged in their attached XXXX letter.
The message I am getting from XXXX and his staff is ; " if, you fle CFPB complaints, we will mess up your account and give you XXXX '' I would like a response from them regarding XXXX above.
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| 11/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I reached out earlier about this same issue and the mortgage lender failed to resolved the issue and have committed multiple RESPA and Fair Lending Act requires. The lender Dovenmuehule I entered XXXX forbearance which expire XX/XX/2022, prior to the expiration of the forbearance the lender failed to make live contract and required to me to make a lump sum payment in order to avoid foreclosure even though I have an FHA loan XXXX I filled out the loss mitigation paperwork and they failed to acknowledge the receipt of the application and documents requested for the past 9 months and for at least XXXX different document request. Furthermore, they did not review the documents in a timely manner to figure out if they required more document they would wait until less then a week before the 60 days to request additional documents, making it so I had to reapply for loss mitigation multiple times. The lender also requested the same documents multiple times, including proof of XXXX XXXX even though it was not require per CARES Act legislation. While I had an active loss mitigation request, they dual tracked and initiated the foreclose even though the mortgage lender was made aware that I was working with Florida 's XXXX to cover past due. Overall, from XX/XX/2022 until XX/XX/2022 they failed to review my applications and the documents for loss mitigation in a timely manner, because they had decided that they did not want to work with me and had decide to foreclosure because I was unable to pay the lump sum. In XX/XX/2022 they received XXXX for the majority of the past due, it would have been the entire amount but FL XXXX said they tried multiple times to contact and waited on hold XXXX ( another problem I had with lender. Additionally even though they received the XXXX funds to cover all but {$3000.00} of the XXXX forbearance arrears, all but refused until the XXXX time I call ( which I was never assigned a specific person I could reach directly ) and told XXXX different things until they were finally able to take my mortgage out of foreclosure when they received notice that in addition to arrears I was also approved for forward payments. This is all while they kept closing my loss mitigation application and continuously requesting the same documents even though they had been submitted multiple times. In XX/XX/2022, I was provided notice on their loss mitigation portal ( not in the mail ) that my application was complete. I did not hear for loss mitigation about the modification, nor that they were waiting on additional documentation that was out of their until day ( way longer then the statutory 30 day ) when I received a letter dated XX/XX/XXXX denying me for XXXX loss mitigation ( even though I AM qualify ) saying that I failed to accept an offer ( that I NEVER received ) or documents ( which were NEVER request since XX/XX/2022 ) and XXXX only giving me 14 days to appeal from XX/XX/XXXX ( even though I did not receive notification until of this decision that has been made with fraud XX/XX/2022 ) I am so frustrated, and I feel like they are XXXX again me with an XXXX loan XXXX because they know they are not going to be held accountable and they will be foreclosure to get rid of me. I know I am not alone in my experience with XXXX, I feel like they are taking advantage of those with XXXX, because those are the one who are usually unable to afford the cost of litigation to take them to court to hold them accountable for their reckless disregard to RESPA and Fair Lending Act requirements. Additionally, I also feel like they are purposely doing this because a modification back in XXXX ( when my application was actually completely, and they began requesting the same documents over an over ) would have had a significantly amount lower interest rate that now since the Federal Reserve began aggressively rising interest rates, the longer they put off modification ( unless they foreclose which the property value is twice the amount then what is due on the mortgage ) is the more money on interest they are able to collect.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am disputing the late mortgage to XXXX XXXX as I paid them immediately after I was aware they were the new loan servicing people. Below is the sequence of events.
USPS does not deliver to physical address in this area. All mail sent to my physical is stamped " UNDELIVERABLE '' and returned. I am totally unaware of a delivery attempt. Knowing this I purchased a PO Box on XX/XX/XXXX.
During closing I signed a letter on XX/XX/XXXX which stated Loan # XXXX payment be sent to Dovenmuehle Mortgage ( on behalf of XXXX XXXX, XXXX ) due XX/XX/XXXX.
I set Dovenmuehle up in my XXXX XXXX internet bill pay to be sent a check to that address the first week of every month. Subsequently, there was no indication an issue.
On XX/XX/XXXX late afternoon I retrieved from my PO Box a letter from XXXX XXXX dated XX/XX/XXXX telling me Dovenmuehle returnrd my XXXX payment as they no longer managed the loan.
Early the next morning I called Dovenmuehle who said my loan had been transferred to XXXX XXXX in XXXX, XXXX. They told me the correct Loan # XXXX. They had forwarded my payments to XXXX until XXXX payment.
Next call to XXXX alerting them that I was aware and would get current ASAP. Also gave them correct mailing address.
Next set XXXX up as a monthly payee in XXXX XXXX bill pay and had a onetime check for XXXX, XXXX and XXXX payments sent. That check had not been delivered by XXXX XXXX so I contacted XXXX and did a phone transfer which credited my account that day.
XXXX XXXX deleted Dovenmuehle from my internet bill payee sometime in XXXX, XXXX and made no attempt to notify or alert me. Then again they stopped payment on my XXXX, XXXX payment to XXXX without notification or explanation ; XXXX called me on XXXX XXXX, XXXX and I got that corrected immediately. I am currently taking the XXXX XXXX actions up with the XXXX XXXX XXXX as well as state and federal Consumer Protection agencies.
I have never recieved a letter, phone call, text or email from XXXX XXXX or Dovenmuehle. I do not feel they made a good faith effort to correct a problem they must have known about. Specifically, 1 ) all of their mail was sent to my physical address and returned by USPS stamped " UNDELIVERABLE '', 2 ) somebody in that company had to have handled the returned postage, 3 ) somebody had to do more work since my monthly payment checks had an incorrect loan number but yet were getting credited to the correct loan, 4 ) it is quite likely they have a different address to recieve bill pay checks than the one that was in my bill pay.
I am currently taking the Dovenmuehle non-performance issue up with state and federal Consumer Protection people and Oregon Banking regulators.
I assume my phone number was with my account details as XXXX had been calling me. However, I did not answer or respond because I had not heard of them and their calls sounded exactly like yet another spam.
I have made and continue to make good faith effort to get current with XXXX consistent with someone with an 800+ credit score. I do not feel Dovenmuele made a good faith effort to correct a problem they must have known about. Specifically, 1 ) all of their mail was sent to my physical address and returned by USPS stamped " UNDELIVERABLE '', 2 ) somebody in that company had to have handled the returned postage, 3 ) somebody had to do more work since my monthly payment checks had an incorrect loan number but yet were getting credited to the correct loan, 4 ) it is quite likely they have a different address to recieve bill pay checks than the one that was in my bill pay.
As of this writing the loan originator, XXXX XXXX, has not produced a document where I had indicated my correct mailing address. Dovenmuehle still does not have it right after giving their customer service people the correct address twice.
Every single one of the other creditors associated with purchasing and living in a new to me residense got it right.
I am respectfully requesting my previous credit rating of 800+ be restored. Thank you.
XXXX XXXX XXXX
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| 06/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing to bring a distressing situation to your attention regarding our mortgage company, Dovenmuehle Mortgage serviced by XXXX, and its subsequent transfer of our loan to XXXX XXXX. We are in urgent need of your assistance as we believe our rights as consumers have been violated, leading to severe financial hardships of over {$14000.00}.
To provide a comprehensive overview, our family qualified for Department of Housing assistance due to our situation. As per the program, a total amount of {$14000.00} was sent directly to Dovenmuehle Mortgage, with the instructions to apply towards our mortgage account. The assistance payments were made between XX/XX/XXXX, and XX/XX/XXXX.
Shockingly, none of these payments received from the Arizona Department of Housing were attributed to our mortgage account by Dovenmuehle Mortgage. Consequently, when Dovenmuehle Mortgage transferred our loan to XXXX XXXX in XX/XX/XXXX, the unpaid assistance amount was also transferred, leading to a significant delinquency in our mortgage payments with XXXX XXXX. Those delinquent payments should have been covered by the assistance that never got attributed to our account.
Despite our diligent efforts to make every mortgage payment after the assistance was provided, we have been unable to make up for the missing payments that resulted from Dovenmuehle Mortgage 's failure to properly attribute the assistance payments to our account. Consequently, we are currently more than four months behind on our mortgage payments, and this unfortunate situation has led to our home being in a delinquent status and our credit score suffering severe damage.
We find ourselves in a state of distress and uncertainty as a result of Dovenmuehle Mortgage 's lack of transparency, communication, and accurate accounting practices. Despite our persistent efforts to rectify this situation through repeated communication with their representatives, we have encountered significant delays, inadequate responses, and a troubling lack of accountability.
In an attempt to address the issue, our case was escalated to Dovenmuehle Mortgage 's research department, which they claimed to be the highest level of support. However, our experience with this department has been disheartening. After waiting for over 6 months for answers, and checking in often, we have received nothing more than additional letters stating that they require more time to resolve the matter. While they have acknowledged finding some of the missing payments, they have failed to transmit these funds to our new mortgage provider, despite assuring us that this would be done if any funds were recovered.
The prolonged waiting period, combined with the lack of action and further delays promised by Dovenmuehle Mortgage, has only intensified our frustration and deepened our sense of helplessness. We have made every effort to cooperate and engage with the company to resolve this issue, but their repeated failures to provide satisfactory responses or take appropriate actions have left us in a state of limbo, unsure of how to proceed and uncertain about the fate of our mortgage.
We respectfully request your intervention and investigation into the actions of Dovenmuehle Mortgage in order to rectify this unjust situation. We have meticulously maintained records of all payments, including copies of the payments made through the Arizona Department of Housing assistance program, as well as subsequent payments made directly to XXXXXXXX XXXX We are providing relevant documentation necessary to support our claims and facilitate a thorough investigation as a PDF.
We sincerely appreciate any assistance you can provide in resolving this matter swiftly. The financial burden, emotional distress, and potential long-term consequences we are enduring are deeply concerning. We look forward to your prompt response and a resolution that restores fairness and safeguards our rights as consumers.
Thank you for your attention to this urgent matter.
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| 06/06/2018 |
Yes |
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- Trouble during payment process
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Web |
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I. Issue with high cost forced placed insurance On or about XXXX, XXXX, while viewing the online portal for the mortgage servicer, Dovenmuehle Mortgage ( hereinafter referred to as " Doven '' ) I noticed a listed charge of {$6300.00} for a forced placed insurance which we the borrowers were unaware of as well as an increase in monthly mortgage payment. I immediately contacted Dovenmuehle Mortgage to inquire on this and they advised they did not receive renewal information from the company I had insurance with prior, I advised Doven that we have never been notified of this issue. At this time I asked Doven to provide me with the Name of the Carrier for the forced placed and information on when and where the notices were received ; no information was provided and was told this would need to be researched. Subsequently, I immediately obtained a new policy with XXXX XXXX and faxed over the information to Doven. On XX/XX/XXXX XXXX was paid for the new policy from my Escrow and on XX/XX/XXXX a refund of {$4000.00} was applied to my escrow. Thereafter, I continued to make several attempts to obtain information as to why we the borrowers did not receive information of the forced placed insurance and with whom the insurance policy was with as never even received of copy of that either. One Doven agent I communicated with via chat ( chat transcript attached as Exhibit ) stated that the carrier we use for lender place insurance is XXXX XXXX. The fact that this lender only uses one carrier for forced place is alarming as it leads to believe that this servicer has some agreement with the insurance carrier and may be receiving kickbacks for only allowing them to service these high cost forced place policies. Also alarming was the fact that no notice of any intention to place this insurance was ever received and no copy of the policy or communication from the insurance company was ever received.
My efforts to obtain copies of the alleged notifications and policy continued as I strongly believed and still do that the insurance was placed without proper notification in order to allow me the opportunity to renew my former policy or obtain new coverage ; many request were made via email ( at their request ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On Monday, XX/XX/XXXX I received correspondence from Doven dated XX/XX/XXXX ( please make note it is postmarked with a stamp of XX/XX/XXXX envelope copy attached as exhibit ). The correspondence included a cover letter, copies of three notice letters and a copy of the policyNotice of lender placed insurance ( all attached as exhibits ) ; the first notice dated XX/XX/XXXX is addressed to XXXX XXXX, a firm who assisted us with a modification last year and despite them sending mortgage statements to our property and home address this notice was not directed to us but to XXXX XXXX at a XXXX XXXX address. The additional two notices XX/XX/XXXX and XX/XX/XXXX are not even addressed to a physical location and do not contain a mailing address. This is not proper notice as required by law.
II. Issue with credit reporting The servicer, Doven has inaccurately reported and misapplied payments for the trial modification period that occurred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX and as a result is also reporting these payments as late payments on the borrowers credit reports. Additionally and most concerning, the XX/XX/XXXX payment was never even applied. I emailed Doven regarding this issue on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also provided them with a copy of the cashiers check which we paid with and which clearly depicts they received and deposited it and I have yet to receive a response or correction of this.
This kind of mismanagement and repetitive errors place great financial hardship on homeowners and result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.
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| 12/23/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, -- In late XX/XX/XXXX, I was reviewing my online mortgage account due to an issue with them not paying my homeowners insurance and I noticed a problem with my taxes as well. I contacted the bank and they were unable to resolve the issue with the homeowners insurance so I ended up paying that separately from the escrow account. To date, the tax issue is still outstanding.
-- Regarding the taxes, Dovenmuehle, the servicer of my mortgage, overpaid the city of XXXX XXXX, KYXXXX XXXX XXXX is the city in which my home is located within XXXX XXXX XXXX KY. Taxes owed to XXXX XXXX are in the amount of {$630.00}. Taxes owed to XXXX XXXX amount to {$5500.00}. These were both paid from the escrow account as required. However, Dovenmuehle sent an addition {$5500.00} payment to the City of XXXX XXXX, which XXXX XXXX is not owed. When I contacted them in XXXX, they stated that they would contact the city of XXXX XXXX and I would not have to take any further action.
-- On XX/XX/XXXX, I received an escrow analysis from my mortgage company. My escrow account withholding is set to increase from {$710.00} to {$1100.00} per month beginning on XX/XX/XXXX. Upon review of the escrow analysis, I identified that the error where Dovenmuehle had overpaid the city of XXXX XXXX was not resolved and is the cause of the substantial increase. Within a day or two or reviewing the escrow analysis, I contacted Dovenmuehle to alert them of the error once again. At that point, they stated that they would order a new escrow analysis to keep my payment from increasing and they would notify me in four days, which is how long they said it would take for another analysis would be completed. The escrow analysis request was declined and never completed.
-- I allowed ample time for them to get this resolved and called a third time on XX/XX/XXXX. During this conversation, they agreed that they had overpaid XXXX XXXX and had a ticket open. I asked for a ticket number and they declined to provide it, saying that it was an internal number and would not help. They stated that they had not received payment from XXXX XXXX yet, which they said was required for them to credit my account. Since they made the mistake, it's not my problem whether or not they get their money back from the city.
-- On XX/XX/XXXX, I called XXXX XXXX, KY XXXX XXXX and verified that the payment had been returned 4 weeks prior. With this information, I called Dovenmuehle once again since I now have a full picture of the situation. Dovenmuehle has declined to carry the balance of their error and is requiring me to cover until Dovenmuehle and XXXX XXXX work out their issue. This was an error on the part of Dovenmuehle and I should not be required to cover their {$5500.00} mistake. This is a problem between them and XXXX XXXX, two third parties. They are operating in bad faith by forcing me to pay for their mistake. If the money is never returned or if Dovenmuehle refuses to acknowledge its return, I have no power to protect myself.
-- If the bank writes a XXXX XXXX dollar check in error, am I required to cover that as well? I'm not the one who made a mistake here. Dovenmuehle should be responsible for their own errors and I would greatly appreciate your assistance in this matter.
To recap : 1- My county taxes were {$5500.00} -- > covered from escrow account 2- My city taxes were {$630.00} -- > covered from escrow account 3- Dovenmuehle sends an additional {$5500.00} to the city for no reason -- XXXX creating a shortage in my escrow account.
-- So Dovenmuehle is trying to require me to cover a " shortage '' in my escrow account that Dovenmuehle created in error and through no fault of my own.
-- Thank you, -- XXXX XXXX -- XXXX -- Mortgage Company : -- Dovenmuehle -- XXXX XXXX XXXX, XXXX XXXX -- XXXX XXXX, IL XXXX -- XXXX XXXX XXXX KY. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- XXXX XXXX, KYXXXX XXXX
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| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX who then use Dovenmuhle Inc. ( hereinafter " DMI '' ) as a servicing agent. I was required to escrow both my tax and homeowner 's insurance. Their closing disclosure document - see attached " Closing Disclosure Cover - XXXX - XXXX '' indicated my escrow was included in their monthly mortgage estimate provided.
I have been making all payments of my mortgage in a timely manner and recast my mortgage and recast my mortgage in XX/XX/XXXX ( with {$80000.00} principal curtailment ) which they failed to apply correctly.
Earlier this year, I noticed DMI had not paid my homeowner 's insurance for which they were supposedly escrowing. I contacted them numerous times and they denied they were responsible stating " Our records indicate that we do not collect funds for your homeowners insurance. You are responsible for all insurance payments related to this loan. '' See attached " Letter from DMI - XX/XX/XXXX '' FIRST CONTACT It took yet another call on XX/XX/XXXX to the DMXXXX servicing department after I received my final notice from my insurer ( XXXX ) that they were canceling my homeowner 's insurance. During that time, the agent acknowledged the mistake, told me my account was now finally set to escrow correctly and said she would pay the homeowner 's insurance. SECOND CONTACT On XX/XX/XXXX, I noticed DMI ran an escrow analysis which didn't change my monthly payments.
Yet they still did NOT pay my homeowner 's insurance. On XX/XX/XXXX, I again had to contact them. I called their customer service department and the agent with whom I spoke said she would pay it immediately. I requested she document that which she did ( see attached " DMI - Promise to Pay - XX/XX/XXXX '' ). And, in fact, on XX/XX/XXXX DMI finally disbursed payment in the amount of {$900.00}. THIRD CONTACT But I still feared DMI were not escrowing my taxes and homeowner 's insurance correctly. So I again contacted DMI yet again - see attached " XX/XX/XXXX - Letter to DMI - Mortgage ( Escrow ) Problems with Loan XXXX ( XXXX ) '' and referenced " Escrow Update - XXXX - XXXX '' attachment. In that letter to DMI, clearly express " I do not believe my new escrow payment is accurate '' and " I believe my escrow is still incorrect and my monthly mortgage payment for XXXX due in 12 days which is now supposed to be {$2800.00} is incorrect. '' FOURTH CONTACT Per RESPA, they have 20 business days to respond. I never heard back from them.
But. most recently, I did see they performed yet ANOTHER escrow analysis on XX/XX/XXXX which then showed that I was " required to have a minimum of {$5300.00} in the escrow account. At the time, the escrow account was {$4100.00}. This resulted in a shortage of {$1100.00}. The {$75.00} increase for the condo insurance deposit and the {$99.00} monthly shortage payment caused a {$150.00} total increase to your monthly payment to the amount of {$3000.00}, effective with the XX/XX/XXXX payment. '' This ONLY occurred after I filed a complaint with the XXXX XXXX XXXX ( complaint # XXXX ) on XX/XX/XXXX. They have replied, which I am rejecting, incorrectly stating their assessment which leaves out multiple times I have contacted them ( see " XXXX XXXX '' attachment ). FIFTH CONTACT I trust you will see that it has taken me AT LEAST five times to contact my mortgage company ( XXXX XXXX XXXX ) and/or servicer ( Dovenmuhle Inc / DMI ) to " resolve '' something for which they required me to do ( to escrow my taxes and homeowner 's insurance ) and are legally obligated to pay. They have been withholding funds, mismanagement my account, and I believe violating RESPA.
I only came to find out about RESPA through my neighbor who himself works in the mortgage industry. I should have come to you directly instead of the XXXX first, but at least that got things moving. Still, I believe this company should be investigated.
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| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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RE : Answer to Dovenmuehle Mortgage , Inc .
Dear Colorado XXXX : Please accept this letter as an answer to Dovenmuehies response to my complaint. I stated that during the XXXX pandemic, that the company was sending out mailings. That advertised XXXX options to its consumers. For hardship relief due to the pandemic. The options were. Deferment, Modification or Refinancing. Which is printed in XXXX and XXXX. Which reflects XXXX offering these options THROUGH THEIR OFFICE. I thought, oh good. I dont have to go outside to get refinancing. XXXX already holds my loan. I was not in arrears, delinquent or late. Nor, WAS I HAVING SOME EMPLOYMENT DIFFICULTY. I work for the school system. We werent sure what the future, was going to be for the in-classroom staff.
Therefore, I reached out to just get information about refinancing. Because we as a nation were facing uncertainty, goal was to lower my interest rate and payments... just in case. The schools shut down. I received a call from a XXXX representative. She asked what I wanted to. I explain I wanted info, regarding a refinancing to lower my payments etc... I told her both to lower interest rate and payment.
She said they would send out a packet. To fill it out and return. I asked to speak to a XXXX or supervisor to explain the terms etc... I made to perfectly clear I was interested in a possible refinance. To please have a lead person call me back. I got a recorded call from a representative who told me to stop making payments. I had to not make XXXX payments in order to get my loan modified. She said if XXXX making my payments, they had nothing to modify. I asked was this for the refi. Between XX/XX/XXXX to XX/XX/XXXX. Ive made numerous calls for a XXXX or supervisor. It took them over a year to tell me... .after the deferment, after lopping me in, then modification the trial payment plans. That they dont do refinancing. I have several mailings from them that proves. That is what they were advertising and offering their consumers.
XXXX. I DID NOT misconstrue pandemic related mailing offering general mortgage relief from my lender as an offer to refinance. On the contrary, it was printed on letterhead, sent through XXXX mail to my house.
XXXX. I did receive a call while in was with others from the representative. Informing me to not make any more payments. In order to have the loan modified. If they truly researched, my file. They would have that information as well.
XXXX. I had informed XXXX regarding the Bait and Switch. That this was done to us.
XXXX. I DID NOT MISS the distinction in our phone conversation during the loss mitigation process.
As XXXX has ADMITTED MORE THAN ONCE. That they did not communication clearly, effective, honestly or in a timely manner. Instead of dragging this out just make it right.
I am a hardworking individual. Who teaches because I love it. I love volunteering in the community. Especially anything with a good cause to help others. Thats why, I was SO VERY EXCITED. To hear that XXXX was going to make it possible. For me to purchase my home. I read about all the good that they have done in the community.
Although, I know the mission of these investors, of course is to make money. But they promote how they invest in families and people. To have a home a stable home. Now they are trying to take mine? The same company, that helped me, and my working family obtained a home. Its So very sad and unfortunate. That they advertised and offered a refinance when they didnt. Was it a blatant lie or a mistake? Show us. They should, be that helping hand in the community as they portray themselves to be. We shouldnt have fight them to honor truth. That was printed in XXXX and white and sent through XXXX mail service.
Please feel free to contact me via air or email. Thanks for your honest review and assistance.
Sincerely, XXXX XXXX XXXX :
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| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I secured a mortgage for the purchase of a new home in XXXX -- title closed on XX/XX/2021. The mortgage for {$510000.00} was secured from XXXX XXXX XXXX ( XXXX, Georgia ) and initially included an escrow account for taxes and insurance.
On XX/XX/2021, I received an email informing me my loan was transferred to a new Servicer and that payments due on or after XXXX XXXX, 2021 should be paid and would be processed by the new Servicer ( XXXX through Dovenmuehle Mortgage Inc. in XXXX, CA ). My loan agreement indicated I had a first payment due on XXXX XXXX, 2021, and I separately received a statement indicating my first loan payment was due XXXX XXXX, 2021 ; in either case, I sent the initial payment for {$2700.00} to XXXX in Georgia ( i.e., Old Servicer ). ( Payment # 1 is attached ) I requested elimination of the escrow account in XXXX, and received acceptance for this request plus reimbursement for the escrow balance ( {$3900.00} which inludes interest - escrow closing document attached reflects the balance without interest ). The letter approving my request also noted that my mortgage would be reduced to {$2000.00} and my first payment would be due XXXX XXXX, 2021.
I made a second payment on XXXX XXXX, 2021 for {$2100.00} ( Payment # XXXX ), and a third payment on XXXX XXXX, 2021 for {$2100.00} ( Payment # XXXX ). Thus, as of XXXX XXXX, 2021, I should have been all caught up on all payments owed.
However, in XXXX I received a second statement indicating I now had a payment due on XXXX XXXX, 2021 for {$3400.00}. This would be in excess of the {$2000.00} monthly payment that would have been due, and began the inquiry for which I am now submitting this complaint.
The " second XXXX statement '' reflected a number of adjustments that were made to my account that were not self-explanatory. I called the customer service line ( and continue to call ) to get clarififcation as to why an increase payment was being reflected for XXXX. Service reps, while helpful, could not clarify or make sense of the adjustments, and I was transferred to a Supervisor for further assistance. The Supervisors I have spoken to ( several to date ) were not able to clarify the issue and I was instructed to email the Customer Service helpline with a Research Request explaining the issue and providing documentary support of all the payments made to date. The initial Research Request was submitted on XX/XX/2021, and on XXXX XXXX, 2021, I received an email summarily dismissing my request and indicating a payment remained outstanding in XXXX ( notwithstanding all prior payments were timely made ) ; no acknowledgement was made as to the documents supporting all payments have been made in advance. ( I was also informed a change was made to my mortgage terms and that I had a first payment due on XXXX XXXX, 2021. I note this would not have resulted in additional amounts owed, since I had already paid for the XXXX, XXXX, and now XXXX payments owed ).
I have continued to followed up with the company ( new Servicer and old Servicer ) to pursue this matter as I am extremely concerned that my Credit could be effected by the lender 's accounting errors. I have not received any helpful response from either company, and am concerned not only with the impact to my Credit standing, but also the fact that there is no accountability for a payment I made to the original servicer ; in other words, {$2700.00} XXXX paid is missing from the system.
As frustrating as this is for me personally, it pains me to think they can do this to others who may not have the means to pay or wits to fight this type of matter. Until this matter is satisfactorily resolved, I see this as a theft of {$2700.00} that was taken from me and not credited to my mortgage. I submit this complaint as a further escalation of an issue with XXXX accounting.
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| 03/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This is a follow up complaint regarding DovenMuehle Mortgage. The original issue has not been resolved.
My issue with Dovenmuehle Mortgage Company ( DMC ) began in XX/XX/XXXX ; they still have {$10000.00} as of today, XX/XX/XXXX.
Short background : I am the trustee for my best friend 's estate. When she died I sent documents to DMC asking to transfer the mortgage into the trust. I received a letter in XX/XX/XXXX stating " We are pleased to inform you that the issue in your correspondence has been addressed ''.
As trustee I had to manage the financial and logistical issues surrounding damage to the home she owned. That home holds a mortgage with DMC. On XX/XX/XXXX, I received XXXX checks totaling {$15000.00} from the homeowners insurance for repairs to the mortgaged property from a flood. Since the checks listed DMC and my name ( as trustee of the Trust ) as co-payees, I submitted that check to DMC with a letter asking them cosign and return to me. Heard nothing for over a month. I called and they said that the checks would be forthcoming. Two weeks later on XX/XX/XXXX, they sent me the same checks that I had sent them, asking for me to cosign and return them to them ; which I did on XX/XX/XXXX.
On XX/XX/XXXX, they cashed the checks and put the money in escrow and released {$5200.00}, in a check made payable to the estate. Since there was no estate, just the Trust - of which I am the trustee, I had difficulty depositing that check. The bank relented but said that they would not make that exception again. That check came with a lien waiver but no explanation. I called and asked them why they kept the money ( and made the check payable to the wrong payee ). They said that they needed the contactor to sign a lien waver to release the funds. Since the work was not done and the contractor not paid, I had to find funds from other sources to complete the work, pay the contractor so that he would sign the lien waver.
I submitted that lien waver to DMC on XX/XX/XXXX with a letter indicating that the work was complete and DMC should issue the remaining funds. Due to the lack of communication, the length of time, the terrible customer service and the withholding of funds due to me, I filed the above listed complaint ( Case number : XXXX ) with the CFPB. DMC responded to that complaint with a lengthy letter enumerating what they had done to resolve this situation. More than 90 % of the items they listed, they had not performed and the 2 checks for the remaining funds were issued.
Two checks arrive on XX/XX/XXXX. One in the amount of {$10000.00} and one for {$35.00} presumably for interest, though there was no accompanying documentation. Problem solved?
No ... the checks were both made payable to the Estate. The bank, not surprisingly would n't cash the checks, saying that I could only do so if I opened a separate account, in the name of the estate - but I could only do that if the estate was probated, which is one of the reasons trusts are in place.
There is no estate ; there never was. There is a trust. I hired an estate lawyer ; I was advised that an Affidavit of Small Estate should be sent to DMC. I complied and sent that with other documentation and the unredeemed checks back to be reissued on XX/XX/XXXX. Weeks go by and once again the XXXX hole that is DMC did not respond On XX/XX/XXXX, I called XXXX ( XXXX ) in DMC-Loss Draft and left a message. Three days later she returned my call and said that there was nothing DMC could do. Her supervisor ( XXXX ) said the same thing. According to them, I had reached the end of XXXX road - no resolution. I asked what I could to do resolve this problem and they simply repeated that they could n't help me.
I asked for the name of someone in a legal division or estates. My call was directed to a customer service line, which ke
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| 10/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My mortgage company is Dovenmuehle. After I survived a XXXX and XXXX that left me XXXX and unable to work anymore, I was granted SS XXXX and began renting all extra rooms in my household in order to pay my mortgage. I asked Dovenmuehle to help me with a loan modification twice in XXXX. Each time I was not given any help, and I still don't know why exactly.
At the end of XXXX I was approached by a company called XXXX XXXX XXXX that claimed to use the Dual Tracking Law in order to negotiate a loan modification with Dovenmuehle on my behalf. On XXXX XXXX I received a document that said that my mortgage company had agreed to consider a lower interest rate and payment for my mortgage. I was also led to believe that the program enabled the government to pay 10 to 20 % off the top of my total mortgage after negotiations had settled.
I agreed to pay XXXX monthly for their services while my mortgage payment was in forbearance. XXXX assured me that Dovenmuehle could not attempt to collect money from me while I was in forbearance.
After signing up for their service, on XX/XX/XXXX, I began paying XXXX {$1100.00} per month through XXXX and my bank account. I was told not to communicate with Dovenmuehle by phone or email, and that if Dovenmuehle tried to contact me, i was to forward all information and documents to XXXX for assessment by their attorneys. I was told that it was illegal for Dovenmuehle to contact or harass me about my mortgage while these negotiations were being settled.
Every time I received an important document from Dovenmuehle, I was required to forward it to XXXX. When these documents began to talk about how far behind I was getting, and foreclosure, XXXX assured me it was being handled by their experts. I am now almost {$20000.00} behind when i could have been paying my mortgage.
When I tried to make my XX/XX/XXXX payment to XXXX XXXX XXXX, I could not reach anyone by any of the telephone numbers I had been given. I looked up the website and found that it was no longer in service either. That is when I began to see that I had been scammed. What is sad is that I am a XXXX year old XXXX woman who is now looking at losing her home of 15 years.
I called Dovenmuehle Mortgage and was told to apply for the loss mitigation hardship program a third time. They no longer have any record of my past attempts. I have a whole binder tracking the last time, with notes and documents. This involves sending signed and dated documents of all kinds to them for making a decision. All bank account page statements, signed and dated, and a written and signed explanation of each transaction +- {$500.00}. XXXX and XXXX tax returns, signed and dated, copies of all utilities since XXXX, hardship letter, proof of income and expenses, all signed and dated.
It cost me {$1.00} per page to fax 67 pages to Dovenmuehle. Not to mention the second fax consisting of 19 documents I had to send yesterday. And then I am told that some are missing, or not signed and dated. I keep copies of every document sent in a binder with notes. When I refer to the items " missing '', I find that the original document has what was asked for. Then I find notes in the paperwork that Dovenmuehle sent me that I can not upload missing documents through their website if they have already been sent a first time! I have 3 different utility companies, and to print three different statements dating back to XXXX amounts to a lot of pages, which I would presumably have to pay {$1.00} for each page faxed. Ink for printing, paper, and fax costs are hard to afford.
So, my problem with my mortgage involves two companies. XXXX XXXX XXXX stole my money and put my home in foreclosure status. And Dovenmuehle Mortgage does not seem to want to help me. Or at least, they make it obscenely difficult. I am truly at a loss.
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| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My XXXX # XXXX With XXXX XXXX Bank. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Direct # XXXX.
In XXXX, XXXX I enforced the Cares Act provision putting my loan into forbearance due to a hardship. I utilized several extensions via telephone with representatives of this bank which were approved and on XX/XX/XXXX, since I was not given notice that my current request for an extension was approved, I made a full payment in the branch office.. I was then contacted that my extension was approved and subsequent phone calls were made to start normal regular payments after the approved extension in XXXX of XXXX. This bank has made several errors and admitted to such on payment arrangements and reallocation of my payments that were made. They have given very poor communication, have made threats of foreclosure as a result of there mistakes and have never reallocated and reconciled my account even though I have been promised and assured they would do so. In XX/XX/XXXX, I was given notice that they would now take steps to foreclose on my property. I have not missed a single payment. This is a direct result of their incompetence and negligence as a bank to reconcile the account in accordance to the cares act.
Updated : XX/XX/XXXX This company has with malice held key information about my claim. They have also purposefully made the reconciliation process confusing, as well as impossible to follow a trail of facts via their responses by phone call interactions, invoice accounting statement responses, revision statements countering previous statements as well as accounting revisions both verbal and written, which are absolutely inconsistent with one another. Of great concern, They have made statements and direct claim that I entered into a program or loan review in XXXX, XXXX, which has no clarity or reflection to my statements and understanding on how I physically reacted to the information provided from the representative ( s ) I spoke to. I was given direct information over the phone that I had been extended another 3 months of forbearance utilizing the Cares Act as well as having a loan review to potential lower my interest rate and/loan payments. In no way whatsoever did I have knowledge that any payment was due or would be due prior to XXXX. I was told and given the mindset and knowledge that I WOULD SIMPLY CARRY OUT AN ADDITIONAL 3-MONTHS of Forbearance. If I was told in any way through communication on the phone that my credit would be impacted, late payments could or would potentially be re-applied, I would NOT have proceeded. In fact, I could have utilized the cares act up until XXXX of XXXX had I deemed it necessary but was in good faith given the understanding that I would be protected under the cares act until XX/XX/XXXX. At no time, was I given warning, in-depth understanding or information of repercussions should I allow the bank to review my loan, nor was I told that Utilizing the cares act further along with a loan review would have any conflict with one another.
This company is committing fraud and has absolutely NOT followed the cares act guidelines. I stand FULLY behind my claims and ask, again, that a FULL investigation be done. I also ask that my XX/XX/XXXX payment be credited back to me since I was in fact protected under the cares act at that time.
Updated : XX/XX/XXXX This company continues to delay and avoid any responsibilities of their continuous wrongdoing. They have continued to lie about the continuation of the Cares Act being enforced at the end of XXXX and into XXXX and have refused to provide a responsible responsible of accountability. If I DO NOT RECEIVE AN ACCEPTABLE RESPONSE AND RESOLUTION, I WILL HAVE NO CHOICE BUT TO HIRE AN ATTORNEY TO RECOVER FOR DAMAGES & EXPENSES INCURRED AND SUFFERED.
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| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This overall issue began in XX/XX/2020 with the events described in and partially addressed by Complaint ID XXXX, submitted on XX/XX/2020. In brief, Dovenmuehle failed to properly pay the escrowed premium for hazard insurance, requiring me to pay the premium to avoid the termination of the policy. Rather than refund me the premium directly, Dovenmuehle removed hazard insurance and property taxes from escrow and conducted an escrow analysis. That analysis showed an overage, which represents both the original hazard premium plus additional funds in the escrow account that are no longer needed.
The issue now is that Dovenmuehle has not sent me that money.
Dovenmuehle conducted an escrow analysis on XX/XX/2020. I received a letter with the results of the analysis, attached here. It specifies the " escrow analysis date '' as XX/XX/2020. It identifies a surplus of {$2100.00}. It further states, " The surplus amount will be refunded to you in the form of a check that either ( a ) is included with this statement, or ( b ) if your loan is current as of the date of this escrow analysis and your refund check is not included with this statement, it will be mailed yo you within 30 days. '' In response to Complaint ID XXXX, Dovenmuehle provided a letter dated XX/XX/2020. It is attached here. That letter states, " Your escrow analysis statement will arrive under separate cover and will include your overage check in the amount of {$2100.00}. '' The escrow analysis letter did not include the check, as the XX/XX/XXXX letter said it would. Nor did a check arrive within 30 days of the XX/XX/XXXX escrow analysis, as the escrow analysis statement said it would.
This alone violates the requirement in 12 C.F.R 1024.17 ( f ) ( 2 ) ( i ) that an escrow surplus be sent to the borrower within 30 days of the date of the escrow analysis. Note that Dovenmuehle 's escrow analysis statement clearly identified the date of the escrow analysis as XX/XX/2020.
When the check did not arrive within the time mandated by federal regulations, I notified Dovenmuehle. Dovenmuehle responded in a letter dated XX/XX/2020 and attached here. Dovenmuehle explained that the check was not sent out because the escrow account did not contain sufficient funds to cover the overage amount. The escrow analysis had been conducted on XX/XX/XXXX assuming the XX/XX/2020 payment. I do not believe that this justifies a violation of 1024.17 ( f ) ( 2 ) ( i ). That section refers only to the escrow analysis date and makes no provision for analyses that are conducted based on a future date. If Dovenmuehle choses to use a future date to perform the escrow analysis and that shows a surplus, then Dovenmuehle is obligated to cover the surplus regardless of how much money is in the account. This is the same result as when a mortgage servicer is required to advance money to make an unexpectedly high escrow payment. Regardless, the XX/XX/2020 letter states, " As your escrow balance is now greater than the overage due to you, your escrow refund will be generated and sent to the mailing address on file. Please allow up to 15 days for delivery of this check. '' More than 15 days have passed since the XX/XX/2020 letter and the check has still not arrived.
I called Dovenmuehle on XX/XX/2020 and was told that the check has still not been printed or mailed. The only explanation was " human error. '' Human error simply does not explain Dovenmuehle 's persistent refusal to comply with federal regulations and send me the money that Dovenmuehle owes me. Nor does it explain Dovenmuehle 's repeated misstatements that the check was forthcoming. Dovenmuehle is acting no better than a recalcitrant debtor who repeatedly lies to his creditors that, " the check is in the mail. ''
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| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX, I applied for and received a deferment for XXXX due to hurricane Irma. I started making on-time regular payments again when the deferment was up as agreed, in XX/XX/XXXX. I called Dovenmuehle Mortgage periodically because after the deferment I was unable to log on to my Dovenmuehle account to make online payments. I was never told that there was any problem with my mortgage and was always asked to pay the regular mortgage amount, roughly {$1100.00} per month.
In mid XXXX, I received a call from a Dovenmuehle representative stating that the deferred payments would be put back into the mortgage and starting from then on I could again log into my mortgage account online to make payments. At this point, however, I had been making payments through my bill pay from my bank since every time I called in to make a payment I was charged a fee of {$10.00}, so I did not attempt to log back into my Dovenmuehle account.
On XX/XX/XXXX, I received a notice in the mail stating that my mortgage was 3 months behind and I was in danger of foreclosure. I called Dovenmuehle as soon as they reopened from the holidays, I believe XX/XX/XXXX, and asked them what this was about. They stated that they sent me paperwork to modify the mortgage that was never signed and returned so I needed to work with loss mitigation to retain ownership of the house. I was never told that my mortgage payments that were deferred were going to be considered late. I never received notice in writing, nor a phone call. I did not receive the paperwork, either. If I had, of course I would have returned it to avoid going into foreclosure. I was never told to expect this paperwork, nor was I called to confirm the paperwork had been received. As far as I knew, everything in regards to my mortgage was caught up and proper.
I called loss mitigation to see what was going on in XXXX of XXXX. Only then was I told that I owed an amount equal to 3 months of the mortgage payment, when previously I had been told that the payments were already put back into the loan. At this time my husband was unemployed so I didn't have $ XXXX dollars to catch up the mortgage payment. Someone in loss mitigation asked me a lot of questions about our situation and I received a notice that our mortgage was eligible for reduced payments from XX/XX/XXXX-XX/XX/XXXX in the amount of about {$720.00} per month, so that is what we paid in XXXX, XXXX is due now.
At this point I was under the impression that I was on the same page as the mortgage company and that my mortgage had been brought back into good standing, but at the beginning of XXXX I had my credit checked and was notified that now my mortgage was reporting not only 3 but now 4 MONTHS behind 90+ days!
I was never notified that this would be the case. I followed all the terms of the deferment and starting making my regular payments again in XX/XX/XXXX and continued to do so until XX/XX/XXXX when they offered the reduced payments.
I have been trying to get in touch with my loan specialist, XXXX XXXX, for nearly 4 months now. I was also told I could dispute the report on my credit with Dovenmuehle 's research department, who I have emailed 2 times over the last 3 months with no reply, although I was told the regular response time was 7-10 business days. There is no way to contact the research department by phone. I literally can not get anyone that has the power to review this situation to help me on the phone.
I have talked to employees at the loss mitigation department, but they said they are unable to help me with a complaint about the 'late ' payments or the reporting on my credit bureaus, and can not tell me why they are reporting late or why the terms of the forbearance have not been followed.
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| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I sold a home on XX/XX/XXXX which had the mortgage serviced by Dovenmuehle. On XX/XX/XXXX I was contacted by the person whom had purchase our home that the escrow refund check had delivered to our former address instead of our forwarding address. Since we were located several hours away at the time I called Dovenmuehle on XX/XX/XXXX requesting that they cancel the initial escrow refund and issue a new check to my current location. When that check was never received I called Dovenmuehle again on XX/XX/XXXX requesting that they send a new check and expedite it. During that conversation the customer service representative indicated that they had spoken with supervision and were going to try to expedite the check, although the specifics of what " expedite entailed were not mentioned. By XX/XX/XXXX I had still not received my escrow refund so I once again called Dovenmuehle customer service, the service representative looked at the history and indicated from what he could see the check had not been sent and he was going to send a new one and I should receive it in 3-5 business days. On XX/XX/XXXX, having still not received a refund check I called Dovenmuehle customer service once again, I had to wait to speak to a customer service representative forever and at the point that I concluded my call I had been on the phone for 3 hours. During that conversation the supervisor by the name of XXXX looked into my claim and she could see the history and indicated that it was unacceptable that I had not received my check and rather than holding me on the phone she was going to do some research and send me an email updating me with her findings. I received an email from XXXX later that day simply saying that she could see that a check was sent on XX/XX/XXXX. When I responded to the email inquiring if there was any tracking information available I got an automated response indicating that the email address which XXXX 's email was sent from could not get a email reply and thus I was able to have no further contact with XXXX. I called Dovenmuehle customer service once again on XX/XX/XXXX letting the customer service agent know that yet another week had passed by and I still did not have my escrow refund, that customer service agent indicated that the company has XXXX business days to deliver the check and that the 15th business day would be XX/XX/XXXX so if I had not received it by that date to call back. After the mail was delivered on XX/XX/XXXX and it still did not contain an escrow refund check I called Dovenmuehle customer service once again. This time I was put through to a supervisor named XXXX. I ran XXXX through the series of events and she indicated that she was reaching out to the check issuing department to try to figure out what the holdup was. XXXX indicated that it could take 24-48 hours for her to get feedback from the check issuing department but she would follow-up with me by the end of the day either way letting me know the feedback she received or indicating if she was still awaiting feedback. I asked her to get the check rushed to us and for tracking to be provided and she indicated that she would not make a commitment to the possibility of my request until the check issuing department told her if it was possible. As of the time I write this complaint I am waiting on feedback from XXXX and I am 120 days removed from the sale of my house and still do not have my escrow refund. In the meantime I am trying to purchase another home and the lack of this check is causing problems with my ability to quality for a loan. I have never written an online complaint before but I have also never been so tremendously disappointed and upset with the customer service I have received from an organization.
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| 03/13/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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Late XX/XX/XXXX I was about two payments behind in my mortgage. On XX/XX/XXXX I was told my loan was accelerated in XX/XX/XXXX. At the time of acceleration, I was 81 days delinquent. I was told this was not legal. I later received a letter stating this information. This letter also stated foreclosure was proceeding due to my not curing my account. From this date to now, Ive submitted and resubmitted loss mitigation paperwork. I have been repeatedly told I couldnt make any payments, contrary to the statements in the letters mailed to me. In a letter dated XX/XX/XXXX, I was told I had until XX/XX/XXXX to cure my loan or it would be accelerated. Which was perplexing as I had a letter that said this action had already taken place and had been informed on several calls that it was already accelerated. I received a letter stating a face to face meeting was to be setup with a third-party organization. But upon calling my servicer to clarify and schedule, I was told it was not necessary and to disregard. It was not correctly stated in the letter and that unless I needed help completing my loss mitigation paperwork, there was no need for this meeting. However, on XX/XX/XXXX, a man from this business showed up at my door. I opened to hear a very unpleasant conversation between him and a dovenmuehle collections person. They refused to give him any information and I asked for his phone to try to understand what was going on. He wouldnt really speak to me until I took him off speaker. I dont recall verbatim, but my hope is that it was recorded. But essentially I was told there was knowledge as to why he was there. After disconnecting the call, he apologized and thought he was bringing me a loss mitigation application to complete. When I told him my application was submitted on XX/XX/XXXX, he was further confused.
I was notified on XX/XX/XXXX that my loss mitigation packet was complete and moving to the committee that would review and let me know my options. When I called to follow-up late XX/XX/XXXX/early XX/XX/XXXX, as well as to again broach the payment topic, I was asked if I had spoken to the attorney I asked what attorney and the representative said the foreclosure attorney. It was at this time I learned that while loss mitigation was occurring and I was being barred from payments, they were proceeding with foreclosure. I was further told it was assigned to a foreclosure attorney the day of or after my loss mitigation paperwork was complete and forwarded for review. When I was finally able to speak with the person identified as my primary POC, XXXX, I was told to disregard this info as all foreclosure proceedings are frozen until after the loss mitigation process was complete. And that I would know my options by XX/XX/XXXX. But upon reaching out to HUD and other resources, I was quickly educated on the term dual tracking and the Georgia law against it. In early XX/XX/XXXX, I received a letter that was telling me it was required by law to be sent. It was my default letter making me aware that my loan was late and I was at risk of all the aforementioned actions. I learned that this letter was to have preceded many, if not all, of the others.
This is a summary of what had transpired over the span of roughly 75 or so days. And as a person who has lived it, its been nothing short of a nightmare. I have a rare combination of XXXX XXXX. They are triggered by XXXX ; the more I am subjected to, the worse I react, rendering my medications nearly helpless. And much of what has happened has caused severe reactions. Due to my XXXX, Im unable to type out every detail. I was told that calls are recorded, though when I request transcripts and copies, Im denied or told that particular call was not recorded.
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| 08/31/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have tried on numerous occasions to resolve this issue with Dovenmuehle Mortgage Inc. ( DMI ) who is servicing my mortgage on behalf of XXXX XXXX. I have had to resort to filing previous complaints against DMI because it chose not to address my concerns directly or respond to direct requests for assistance. I do not know where to turn except to file one more complaint in the hopes that DMI will fully respond to my request and also that the CFPB will open a formal investigation into DMI 's activities and the consumer harm it has caused me and my family. I suspect I am not alone so I beg you, CFPB, please take the necessary actions to protect consumers against the against the unfair, deceptive, and abusive acts and practices conducted by DMI.
The story of my struggles begins in XX/XX/XXXX when I was diagnosed with XXXX XXXX at the age of XXXX. Months of surgeries, XXXX, and XXXX would follow which caused me to miss months of work. All the while, my husband did everything in his power to keep our monthly payment obligations on track. He did this relatively successfully. After nine months of treatment, I was finally able to return to work only to find out my employer was only able to bring me back part-time for half of the number of hours I previously worked. Again, we made adjustments and carried on. In XXXX, my husband was diagnosed with XXXX which too required XXXX and a period of short-term XXXX leave from work. Once again, we adjusted and kept our monthly payments largely on track. Just as we were getting back on our feet financially and physically, COVID 19 hit. The impact of COVID 19 was devastating to our finances. Consequently, I asked for assistance from XXXX in the form of forbearance from my mortgage payments. My initial request was granted however my financial difficulties had not resolved by the end of the initial forbearance period. I submitted a request for extension but this, it seems, is where everything took a turn for the worse with DMI 's care for protecting its customers. In late XXXX XX/XX/XXXX, I submitted a request for an extension of my forbearance. DMI failed to consider my request and also failed to communicate with me in any way regarding the request. It wasn't until I filed a complaint in the spring of XXXX that DMI admitted to overlooking my request and placing my account back into regular payment status without ever communicating with me. I only found out my account was back in regular payment status when I received notification that my payments were reported delinquent on my credit report. This prompted me to file the noted complaint where I asked DMI to correct the negative credit reporting of my account and retroactively place my account in forbearance as I had requested back in the fall of XXXX. DMI 's response, in short, was an acknowledgement of their failure to address my request for forbearance but that they were unwilling to correct the credit reporting that followed even though the late payments were a direct result of DMI 's failure to address my forbearance request or communicate with me that my account was in repayment status. Instead I received a response that was essentially " tough luck '', With everything my family had been through and now with the effects of COVID, we were devastated that DMI was unwilling to help in any meaningful way.
It should also be noted that no less than five times, and probably closer to ten times, I submitted a formal request to DMI for written documentation explaining my options for fully reinstating my loan. I made this request both directly to DMI through their customer contact portal as well with the complaints that I have previously filed against DMI. Never once has DMI responded to these requests
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| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am writing this complaint to the CFPB in a bid for help.
Dovenmuehle mortgage servicer is who has held our mortgage for the last 2 years.
In XXXX of XXXX they contacted us to let us know that we were qualified for a free forbearance on our mortgage company. The way they presented this was that since there was a crisis from Covid that we will not have to make 3 months of payments. This was for XXXX XXXX XXXX payments for a period of 90 days.
We agreed on the phone on XX/XX/XXXX. On this day we received an email that the 90 day forbearance plan was activated in our system ( See supporting Document DOV Email XXXX ) In that email they said they would send us the agreement to fill out and send back in 7-14 days.
They did not send this documentation until XX/XX/XXXX ( see supporting doc XXXX email ). The next day we received an email saying that they did not accept our forbearance because the document sent on XXXX was not processed before the forbearance.
But we already completed the forbearance. We contacted Dovenmuehle after this many times and each time a representative told us a different story. Some would say it is fine. Others said we need to pay immediately. Some were so confused they were of no help at all. Since we have perfect credit, and it seemed that Dovenmuehle was so disorganized that they did not even know which documents they sent and when, so we just paid all the money back in the next two payments. So in XX/XX/XXXX we made a {$7800.00} payment. This was XXXX payments. Then we made a {$3900.00} payment in XXXX which was XXXX payments. This paid the 90 days we did not pay per the forbearance agreement.
We received documentation from Dovenmuehle on XXXX XXXX that stated explicitly Option XXXX that if you paid the forbearance payments back you will reinstate the loan, that we exited forbearance. ( see supporting documents showing the letter from Dovenmuehle on XXXX ) HERE is the problem. Dovenmuehle is REFUSING to give us this letter. They are saying they dont provide borrowers with this letter. We went over the documentation that states that our actions reinstated the loan by paying the total amount back per Option 2.
We called them many times. One agent again said we never even signed up for forbearance. Others said they wont provide any documentation.
Dovenmuehle knows that we need these documents to allow us to refinance and they are doing everything to deny us financing on our primary residence.
They have refused to provide payoffs requested multiple times. They have refused to provide payment history which was needed since they reported to the credit bureaus that we paid on time in XX/XX/XXXX.
We are at our wits end.
I know my rate is high at 4.5 % at Dovenmuehle and they want to keep this high rate loan.
We can get 3.0 % on our loan.
This is a difference of {$86000.00} over 30 years.
We are also looking to file a complaint with the State of Texas under the deceptive practices act. This states that if a business violates a contract and there are damages, this is not only a criminal matter, but the complainant is due 3 times the damages.
Additionally, we feel due to our demographics we are being targeted and this is why Dovenmuehle is causing us to be denied financing for our primary residence. We feel this could be a FAIR LENDING ACT violation and want to present this to the proper channels.
We have a loan XXXX to XXXX pending the document that shows in XXXX of XXXX we paid the total amount back, and this exited us from our forbearance per the agreement sent to us on XX/XX/XXXX.
We are at our wits end with Dovenmuehle. They seem to want to purposely deny us the ability to obtain financing on our home by withholding this document.
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| 11/24/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We are writing to you because we were encouraged to do so by a credit consultant even though our complaint involves incidences that happened about 2 years ago.
On XX/XX/XXXX we were granted a Special Provisions Agreement by Dovenmuehle Mortgage through their Loss Mitigation Program due to a medical hardship. In light of that we were mindful about making our payments on time. At the end of XXXX we mailed our XXXX 's mortgage payment, however it was n't until later in XXXX that we discovered that the Post Office made an error and mis-sent it and the mortgage company never received it. I followed up with Dovenmuehle, explained what happened, and resent payment ; however, someone dropped the ball. This caused a ripple effect because XXXX and XXXX 's payments were sent back to us with a letter stating to call the attorney 's office to re-instate the account.
Also we later found out ( XXXX ) that Dovenmuehle had no record of our XX/XX/XXXX payment either. Through research we discovered it had been fraudulently cashed ( XXXX ) this added another delinquent payment to our account. However, when I talked the mortgage company in late XXXX, they knew then about XXXX 's payment and nothing was brought to our attention. Again someone dropped the ball.
Over next 12 months, we provided explanation, documentation and clarification to Dovenmuehle to no avail. We resubmitted our hardships a couple of times and made appeals to the Loss Mitigation Department and we were getting nowhere. For a full year, things grew worse because we were getting the run around. Every month for a year it was something ; XX/XX/XXXX : Granted FHA type XXXX Special Provision Agreement for XX/XX/XXXX-XX/XX/XXXX ; later XXXX : No record of payment by Dovenmuehle but we were n't notified ; payment was fraudulently cashed - shows delinquent on XXXX : XXXX 's payment mis-sent by Post Office - shows delinquent on XXXX : XXXX and XXXX 's payment returned. Instructed to call attorney 's office to reinstate ; they in turn told us to call Dovenmuehle. Told to re-apply for the Loss Mitigation Program by resubmitting our hardship.
XX/XX/XXXX : Sent more documents upon request : income statements, bank statements and letter of explanation of deposits.
XX/XX/XXXX : Hardship was denied, yet it was requested to send a copy of XXXX payment. We appealed and sent receipts that all mortgage payments had been made on XXXX : Front/back copies of XXXX and XXXX payments were sent as XXXX : Instructed to resubmit the Loss Mitigation XXXX : Resubmitted packet to Loss Mitigation again. Inquired of XXXX XXXX to get their assistance and sent information to XXXX XXXX as well. Resubmitted our hardship ( again ) along with requested documents.
XXXX : With the assistance from XXXX, Dovenmuehle finally reached out us to do a loan modification after a FHA Trial Payment Plan / Forbearance XXXX : Started trial payment plan through XXXX. XXXX : Signed papers for the loan modification along with a subordinate note/mortgage, which we were forced to sign because if we did n't foreclosure procedures would continuePrior to XX/XX/XXXX, we had a good record of making our payments on time. As a result of situations out of our control by the post office and Dovenmuehle, we were facing foreclosure, our credit negatively impacted ( our credit report reflects a foreclosure ), and we have a XXXX mortgage we were forced into. Had Dovenmuehle handled things accurately/professionally we could have been offered a Trial Payment Plan much sooner than a year later.
We are soliciting your help to do investigate our situation. Our account was mishandled. The foreclosure should be taken off our credit and we should n't have a XXXX mortgage.
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| 04/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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This complaint relates to the final administration of a {$200000.00}, 15 year fixed interest rate conventional mortgage, # XXXX, most recently held by XXXX, hereafter referred to as XXXX. The mortgage originated with XXXX XXXX XXXX XXXX, Nebraska. The monthly payment of {$1500.00} was due beginning XXXX/XXXX/XXXX. In XXXX, the Office of Thrift Supervision closed XXXX XXXX. XXXX XXXX XXXX assumed the mortgage ; soon afterward the mortgage was transferred to XXXX against whom this complaint is lodged.
During the life of the loan, all payments were made on time, and additional payments were made toward the principle as permitted under the terms of the mortgage. However, when XXXX assumed the mortgage we stopped additional principle payments, having no personal connection to XXXX to track these additional payments. Our records agreed with the outstanding principle when XXXX assumed the mortgage. In XX/XX/XXXX we made what we believed was the final payment of {$1800.00} based on the amount shown on XXXX 's XXXX statement. However, in XX/XX/XXXX we received an additional statement showing we still owed {$7.00} plus {$0.00} interest - which we paid. It cleared our bank on XXXX/XXXX/XXXX, 4 days ahead of XXXX 's due date. Then, our loan balance should have been {$0.00} as indicated by XXXX 's own statement.
And then the problems began ...
After not hearing from XXXX concerning the release of the mortgage and deed, we contacted XXXX. After establishing the fact that this final payment had cleared our bank, XXXX told us that we still owned {$26.00} for filing fees plus a {$79.00} late fee on this filing fee. After discussion with an XXXX representative, we agreed to pay the {$26.00} filing fee ; the late charge on filing fees was waived. We agreed to pay the filing fees even though the original loan documents, which we hold, do not disclose any filing fees. When asked why we were not informed of these filing fees, we were told that " most people '' contact XXXX when they close their loan and they are disclosed at that time. We assume that a financial institution would recognize that a loan is closed when the loan balance goes to zero and then contact the client should any further issues require attention. Rather, XXXX demanded a filing fee that was never disclosed nor billed, plus a late fee for not paying a fee that was never disclosed. In any event, with the late fee waived, we mailed our check for the {$26.00} filing fee on XXXX/XXXX/XXXX.
Yet, on XXXX/XXXX/XXXX we received another statement showing the {$7.00} still outstanding in addition to another {$79.00} late charge. On the same date, under separate cover, we received another letter from XXXX abating the {$79.00} late charge with the strong warning that this was the only time it would be abated. Again, the {$7.00} cleared our bank on XXXX/XXXX/XXXX, 4 days ahead of XXXX 's due date. So, we called XXXX yet again to establish that the loan was closed.
And yet things got even worse ...
During the call, on XXXX/XXXX/XXXX, we were told not only do they not have a record of the {$7.00} being paid but that we owe another full month 's payment of {$1500.00}. Clearly a fraud was being perpetrated or their loan administration was grossly lacking.
We are well educated and financially savvy. Both of us are college educated with XXXX hours. We have successfully owned our own business for over 35 years. XXXX our children are XXXX educated. Given our educational background, I pity the less sophisticated, less educated, or more elderly having to deal with XXXX. The odds of this happening on just our mortgage are infinitesimal. Clearly, some sort of regulatory investigation and oversite is demanded.
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| 01/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX my home suffered severe damage during the XXXX fires. My family evacuated and lived in a hotel for almost a year. On or about XX/XX/XXXX I called our mortgage servicer, Dovenmuhle to inform them of my property damage and to also ask for a forbearance during this uncertain time. My husband was unemployed at the time of the fire but we were still current on our mortgage payment and continued to pay until XX/XX/XXXX when we were forced to stop payments due to lack of funds. Insurance settlement delays and living expenses came straight from our savings. We asked again if Dovenmuhle would extend us a forbearance given our circumstances and that our home is located at ground zero. They were of no help and continued to impose late charges and penalties. I finally received a loss mitigation packet in XXXX sometime, filled it out completely and turned it in. Never got a response. Multiple follow ups and multiple different stories as to my application. I was reassured numerous times that we were not in foreclosure. I was also finally told my loss bit application was incomplete. It wasn't. I checked and rechecked and the package was 100 % complete. This is when I retained a HUD certified counselor to help with the servicer. Once again was told package needed to be completed and told not in foreclosure. At this time my statement indicated that I was participating in a modification program and that I had until XX/XX/XXXX to bring current. Interesting that I received a letter dated the same day of the Hud counselors phone call that my loan was referred to a foreclosure attorney. This was news to me. Then 2 days after I received another letter stating that they would be accelerating the loan and if I wanted to bring it current I would have to come up with close to XXXX XXXX dollars. They bank locked us out of our portal and cut us off from all of our account related documents. Next we had to speak to the foreclosure attorney, who were unsympathetic to our plight and were told in order to bring it current it would be somewhere in the neighborhood of {$40000.00} plus foreclose fees. As time is passing we had asked for a sale date, no response. We scrambled high and low and eventually cashed out of XXXX XXXX XXXX to pay the back payments along with another XXXX in attorney fees. Only to have just recently found out they never filled a notice of default with the county recorder. So how did they get away with all the foreclosure bullying and fees to reinstate. To make matters even worse, our home insurance dropped us in XXXX and the services purchased a policy that was 10 times what we paid and then impounded those charges to us. If I couldn't make my regular payment and they were complete unwilling to accept responsibility for losing my documents after sending inn 3 complete packages then how the XXXX am I going to afford more then double my mortgage? I am now 2 months behind again due to settlement issues and other disaster related debt. My husband and I are divorcing and I blame all of this on the financial stress that Dovennmule has put on us. I have no other options and have listed my home for sale. My once pristine credit is ruined and I won't even quality for a rental due to my credit score. Every other servicer offered some type of forbearance without the back and fourth and straight lying about being put in foreclosure. Thanks Dovenmuhle, I was lucky enough to not have my home completely destroyed in the presidentially declared disaster only to have you force me into selling my home, uprooting my children and essentially ruining my life. You should be ashamed.
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| 11/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
Servicemember |
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My loan was owned by XXXX XXXX XXXX and serviced by Dovenmuehle. They sold my home out from under me after assuring me I did not have a sale date and telling me they were opening a new review. The sale occurred one week after my bankruptcy was dismissed and XXXX XXXX did not provide proper notification of the sale date as they were prohibited from auction due to federal bankruptcy protection. They have not been conducting business in an ethical fashion, they denied me access to government programs I qualified for due to Covid hardship and as a result of their obstruction things snowballed and resulted in me losing my home. I was XXXX XXXX XXXX XXXX XXXX when the pandemic hit and we got shut down in XX/XX/XXXX. I was struggling because of the loss of my job but continued paying as long as I could. When I contacted their office to see if I could get any help due to Covid related income loss their agents told me I could get a three month forbearance. After that ended they told me I needed to reinstate all past due amounts and resume regular payments. I was not given access to the government CARES forbearance program that allows the forbearance to continue up to 18 months and then allows the lender and homeowner to work together on a plan to address the arrearages. Instead I was on my own.
In XX/XX/XXXX I was back at work full time as a construction manager for a solar company and my hardship was resolved. I tried to resume making my mortgage payments but their agents told me they would only accept the full past due balance. I tried to save that up but could not do it and began to engage with the loss mitigation department to try and find a solution to resolve this matter. I submitted all of my financial information multiple times and got the runaround. It was very difficult. Every little obvious fact needed to be explained, documents misplaced or expired and never ever got a decision.
I applied for a second modification and also reached out to Texas HAF. I went through the whole process with XXXX and again never got a decision. Texas HAF never reviewed my application even though I constantly checked the portal and the emails so I ended up filing XXXX XXXXXXXX bankruptcy to protect my home and try and work out a plan to save my home. I talked to agents at XXXX on XX/XX/XXXX and was told everything was fine, there was no sale date and they were willing to open a new review for assistance. The bankruptcy got dismissed on XX/XX/XXXX and on XX/XX/XXXX they sold my home. They did not provide proper notice of the sale date ; the home was still in bankruptcy protection just a week earlier and under Texas law they are not allowed to immediately schedule a foreclosure sale, especially after receiving misleading information from their agents.
I received a letter from XXXX on XX/XX/XXXX ( attached ) indicating that they were still researching my inquiry for assistance with my mortgage loan and that they would get back to me. This is a week after my house was sold. There are significant questions here relating to unethical servicing practices, obstruction of access to government programs during Covid and also failure to properly notify me of upcoming sale date and violating the rules regarding foreclosure sales after bankruptcy protection expires. I served in the XXXX XXXX XXXX and XXXX XXXX for eight years and live in the home with my wife and XXXX XXXX children. One of my daughters is XXXX and on doctor ordered XXXX XXXX at this time. Our house has significant equity and I believe that errors have been made and need to get some accountability from XXXX XXXX XXXX.
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| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage has been serviced by Dovenmuehle since XXXX and I am unable to get cooperation with the company on settling two outstanding modification issues : Applying my mortgage payments from XXXX to my outstanding balance Sending my escrow refund in the amount of {$2600.00} UNAPPLIED MORTGAGE PAYMENTS I have patiently waited for my monthly mortgage payments from XXXX ( that were held in escrow ) to be applied to my current outstanding principal balance. To date none of the funds have been properly credited to my mortgage account. Attached is Dovenmuehle 's letter acknowledging the payments were received while my modification was being processed.
Just to recap my situation, Dovenmuehle purchased my loan from XXXX XXXX XXXX XXXX before it was fully modified in XX/XX/XXXX. I continued to pay my mortgage for over 18 months before the loan was modified. Dovenmuehle stated the funds were being held in an escrow account to be applied after the modification was completed. The modification has been completed for over a year and to date, the funds have not been applied to my account.
My modification was only carried out after I contacted my Senator Office and requested assistance. Senator XXXX XXXX office is the reason my loan was modified despite Dovenmuhle collecting my mortgage payment every month, this company refused to modify my loan which Dovenmuehle purchased from XXXX XXXX XXXX XXXX. Please see attached letter from Senator XXXX XXXX office On XX/XX/XXXX I followed up with Dovenmuehle and requested that my past monthly mortgage payments be applied to the principal balance ( which still has not occurred ) and that my escrow account be reviewed for an additional refund.
ESCROW REFUND Attached is the escrow analysis I received on XX/XX/XXXX which states that I will receive a refund in the amount of {$2600.00} within 30 days per the escrow statement instructions. I have not received my refund and have contacted Dovenmuehle 8 times. Each time I speak to a representative I received another excuse for not receiving my check. Please keep in mind this is an escrow refund from XXXX therefore Dovenmuehle has been withholding my escrow refund that rightfully belongs to me for over two years ( interest-free ).
Just to recap this situation, I have been trying to get my escrow corrected since XXXX. Attached is the letter dated XX/XX/XXXX from XXXX XXXX XXXX Bank confirming I have {$4500.00} refund in my escrow account ( see XXXX XXXX XXXX Document ). Upon receipt of the XXXX XXXX XXXX XXXX Statement I called and the XXXX XXXX XXXX and confirmed the refund was accurate and my check would be mailed in a couple of weeks ( which is also stated at the bottom of the attached document ). Shortly afterwards my loan was transferred to Dovenmuehle and I followed up with Dovenmuehle on the refund status. Despite my clear evidence and documentation that I was due additional escrow refund Dovenmuehle has withheld on {$2600.00} rightfully owed to me since XXXX. Only through my persistence have I been able to prove this.
My goal is to address and complete each bullet within the next 30 days. I am willing to provide any additional documentation and/or conversation needed to expedite this process. I have tried over the last 18 months to be flexible and ( while paying my mortgage every month ). Dovenmuehle is unable or unwilling to address these issues in a timely matter and I seek your assistance in getting this corrected.
Attached is the Dovenmuehle escrow, XXXX XXXX XXXX document. Thank you for your time and assistance.
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| 07/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I applied for the XXXX program in XXXX, my servicer/lender denied that they ever heard about this federally funded program to help people who are going through foreclosure, it took them 2 months to respond to XXXX because I continually called them everyday, then when they agreed that they heard of the program, the amount that they submitted was way over the amount that was actually owed, so that I would not qualify. Calls to loss mitigation, continued to agree with the amount of my statement,XXXX calls to loss mitigation with an acknowledged witness on the line, with the initials and extensions of people I spoke to gave a consistent amount, yet what they stated to XXXX continued to be figure always above what my statement and what I was told. This was deliberately done, so I would not qualify. Currently, the lender has a class action lawsuit against them for predatory lending, and I firmly believe that they are working together, as this lender has foreclosed on so many homes, they stand to gain more than the money that XXXX will pay. They lied and said that I had not paid my mortgage since XXXX yet proof that I was in XXXX XXXX and they received money from me over {$22000.00}. through the bancruptcy court. Requests asking for a supervisor to return my call after XXXX calls were never received. Loss mitigitation, agreed, that the amounts they quoted to XXXX was incorrect, there were multiple charges that were unapplied, that they refused to apply, which if they had applied would paint a different picture, they never sent me a statement for many months after I applied for the grant, they made it impossible to see what they applied, I ended being denied for the grant. Even though during the applications process all foreclosure proceedings were supposed to be put-on hold, they continued to threaten, added over {$7000.00} in forecclosure fees, even though no foreclosure took place, unoccupied property fees of {$300.00}, property inspection fees no one has inspected the property, it is a deliberate attempt to steal my home, they continue to report the amounts owed differently depending who they are reporting it to, the loss mitigation dept. gives one amount, the statement when I last got one gives another amount, then the give XXXX another amount. I finally applied for XXXX XXXX the proof of claim is another amount, way less than what they gave to XXXX. I got no statements for months, one in XXXX which quoted an amount under what XXXX would accept, the proof of claim reflects the same numbers as if they never received any money from the bancruptcy court, my lawyer claims the {$22000.00} or more was eaten up in fees and interest. The last statement received was XXXX XXXX, no statements since then until XXXX I had almost {$5400.00}. unapplied, no proof that it was applied, I filed the XXXX XXXX in XXXX, the meeting with the trustee was in XXXX XXXX, I made 3 mortgage payments, if you add the {$5400.00}. unapplied amount, my next mortgage payment should be XX/XX/XXXX, after receiving no statement since XXXX, I get my first statement, from them in XX/XX/XXXX saying that I owe {$7800.00} in post petition payments, proof and documentation, can back up my statements. Companies should not be allowed to operate this way. Not to mention that they are currently holding an insurance check for water damage, because I am behind they can do this, is their claim, if they feel this way, they are free to employ a contractor to do the repairs, the conditions surrounding this issue, is another problem. Thank you XXXX XXXX.
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CC : XXXX and XXXX I am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to XXXX and XXXXXXXX XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency current STATUS. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID. Please see the Status on the attachment 1. Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of 30-59 Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS 30-59 Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes.
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).
2a ) CLOSED STATUS is not sufficient to inform XXXX that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.
2b ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform XXXX that this account is Paid and Closed under Current STATUS.
2b ) Please update the Current STATUS to PAID as this account is reporting a current STATUS of 30-59 Days Past Due and this reporting in an inaccurate current STATUS.
2c ) To purposely and willfully report inaccurate accounting is a violation of the law.
2d ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.
2e ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is 30-59 Days Past Due and has caused my mortgage scores on both XXXX and XXXX to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed.
To continue to report the current STATUS as 30-59 Days Past Due informs other lenders reviewing my Credit Report that the account is currently delinquent and past due 30 days. Thus, this is significant! In addition, having a current STATUS of 30 days past due on a closed account that has being paid in full is holding my mortgage scores significantly down on XXXX and XXXX Please review titled Credit Reporting Resources Guide in which current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior, historical status. You have a statutory requirement to FCRA 623 ( a ) reporting to update any prior reporting so as to maintain its accuracy and your current STATUS is no longer accurate. Please note, this account is reporting accurately on XXXX
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| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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The loan was a conventional one but, it would be paid back in a matter of 30-60 days when my existing home sold. XXXX XXXX was the bank and they held all the cards, XXXX was the " servicer '', not sure what that means. XXXX XXXX ( please do not publish her name ) was the loan processor, loan amount XXXX, loan origination date XX/XX/2021.
I proved I had the money to cover the loan in my IRA, I was XXXX, a widow, and could draw it out in any amount I needed. XXXX held the title to the home being sold and the sale amount would more than cover the new loan on the new property.
This occurred while my home was closing, I was diagnosed with XXXX, underwent XXXX, and suffered from XXXX XXXX Please note that there was zero risk to XXXX XXXX or XXXX, this loan was a sure payoff in a very short period of time.
The underwriter required me to submit inches of paperwork, all for the same information. They wanted bank statements, all within a few days of release. Then they wanted proof of the statements from my bank account, proof of deposits, multiple times and ways. They they wanted statements from my investments, statements upon statements in different ways. Then a letter from my financial advisor. I had to set up a withdrawal from my XXXX account and then prove that it went through. I had to sign an affidavit that I had this account, ( after all the statements ) and that I had this withdrawal. Then I had to prove the whole financial trail with more paperwork. The loan processor often started the conversation regarding this loan with, " I'm sorry. '' I know that this was excessive, because I have had multiple loans with the same company.
It is totally wrong in so many ways. Were they hoping I would lose the house, I would just go away? What was the goal of this mystery underwriter? I have had multiple mortgages through the years, this was the first one as a senior citizen. Is that the answer? Was I put through living XXXX and redundancy because I am older now?
It was all pointless. Anything I signed saying this was the status became null once the mortgage was funded. I cancelled the IRA withdrawals, I didn't need the heavy pull from my IRA. I'm good with my money and this underwriter seemed to think they had control of it. This was a total overreach of underwriting authority and harassments of a heinous kind. I would let this roll, but is it happening to seniors that can't speak up, that don't have the financial control I do?
The bottom line is the underwriter was so focused on making me jump through hoops, they did not notice that the house had serious problems. Why didn't they ask for a utility bill from the seller? When checking the title records, how did they miss that, THIS HOUSE HAD NO WORKING SEWAGE TREATMENT SYSTEM!!!!!!! There was a buried kerosene tank in the yard, the water pipes didn't work, the HVAC was laid out but never connected. There is more, I spent all the money to completely pay off the loan making repairs that should never have been needed. I had to get a small loan to get reasonable rate and payment amount. The underwriter should have also looked into the retaining wall that failed. I take some ownership in missing some of this but, in my defense I was so fragged out by the underwriter and recovering from XXXX, I missed it. It looked good on the surface. I feel that this needs to be addressed, that the underwriter acted in bad faith throughout the transaction.
Let me again state that there was zero financial risk to the XXXX XXXX or the servicer, XXXX.
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| 06/20/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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We took on this client in XXXX of XXXX. We got them approved for a permanent loan modification in XXXX of XXXX. The permanent modification agreement was mailed to her on XXXX. A notary sent by Dovenmuehle came to the borrower 's home on XXXX, executed the documents with the borrower, and took the documents back with them to report back to the mortgage company. The documents were delivered on XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX signed for the documents, according to the XXXX tracking ( XXXX ). We spoke with XXXX, ID # XXXX on XXXX who confirmed that the documents had been received and were pending processing. At this point, we closed the borrower 's file out with our office. In XXXX of XXXX, we received a call from the borrower, XXXX XXXX, stating that her mortgage was still showing as delinquent and she was concerned. We called Dovenmuehle on XXXX and spoke with XXXX who confirmed that the file was in the closing department, pending for the system to update and that they had received all the payments so far, and the borrower was on time with her payments, due for XX/XX/XXXX. I explained to XXXX XXXX that sometimes it can take several weeks after a modification for the mortgage company 's system to update and that she should simply continue making her payments on time and the account will show as current soon. We then got another call 2 months later in XX/XX/XXXX from the borrower stating that her account was still showing as delinquent. On XXXX, we spoke with a Dovenmuehle representative, XXXXXXXX XXXX XXXX, and she stated that they never received the signed documents and that a request for a new review had been initiated. I told her of my phone call with them on XXXX, confirming receipt of the documents. She was able to find a note in their system which stated " trial documents received '' on XXXX. I explained to XXXX that this was never a trial modification. This approval went straight to a permanent modification. I explained that the borrower had been paying her mortgage each month, on time, as she was supposed to and there is no reason for a recalculation, which would result in terms different than what the borrower agreed to in XX/XX/XXXX. I explained that the borrower did everything she was supposed to and this was a mistake on the lender 's end and needed to be rectified without negative consequences for the borrower. The solution to this is as easy as finding the documents received in XXXX of XXXX, and updating the account to reflect a current status. This is possible, since the borrower has paid her mortgage payment each month since she was approved. We worked with this borrower for a full 10 months from XX/XX/XXXX through XXXX of XXXX when she was approved. We then picked the file back up with our office in XX/XX/XXXX and have been calling every XXXX - XXXX business days since then. That's another 6 months of complaints, escalations, call back requests, etc. We have put in multiple requests for clarification and research with no response. We were told that the point of contact is XXXX. That's the only information we can get on XXXX. They will not share a last name, ID, phone number, email, or any other contact info. We are told each week that they will put in a request and XXXX will notate the account so that we can get the information we need the following week, but that hasn't happened and it's now been a full year since the account was approved and XXXX XXXX since the mortgage company received the signed documents. This needs to be resolved immediately.
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| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am drafting this notice to the Consumer Financial Protection Bureau to assist in getting a response from a decision-maker at my mortgage servicer, Dovenmuehle Mortgage, referred to here as the 'servicer. ' I am referred to here as the 'borrower. ' The borrower believes he is doing everything right, professionally expects the same in return from the servicer. Since XX/XX/2022, the borrower was promised a 30-90 days review of his mortgage after exiting Covid-19 forbearance but has only experienced Loss Mitigation missed deadlines, received conflicting information from servicer phone representatives and notices ... and unfulfilled follow-ups for information after 30+ hours of exhaustive phone calls made. Written communications were also e-mailed. Continued servicer communication and service delays might impact borrowers ' ability to secure a grant from the NY Homeowners Assistance Fund ( HAF. ) The borrower applied for the HAF grant on XX/XX/2022, but was told by tier 1 and 2 HAF representatives in XXXX and XX/XX/2022 that the borrower 's grant application remains at a standstill until they receive communication from the servicer about the borrower 's post-Covid-19 loss mitigation options.
Throughout the 18 months of the Covid-19 forbearance period, the borrower verbally requested payment deferral for the payments not paid by the borrower each month the servicer 's phone representatives called for a status update regarding the borrower 's need for forbearance. Regular payments were scheduled to resume in XX/XX/2022.
Following forbearance, the borrower resumed timely, monthly payments for the month of XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX Each payment was no less than XXXX XXXXthe amount previously paid before the approved Covid-19 Forbearance. After payment was issued, the borrower received USPS mail correspondence noting the funds were received, placed in a suspended account, and that the borrower 's loan was being reviewed for deferral ... and sometimes a loan modification.
The latest notice, received in XXXX XXXX, was that borrower was entered into a loan modification. The borrower initially requested a payment deferral but was unclear if the notice of a loan modification is as a result of the grant award from the Homeowners Assistance Fund. The borrower requested an update on this inquiry for months only to be told it is under review for over 4-months. As of XX/XX/2022, the borrower has not given any details or follow-up after Dovenmuehle representatives stated attempts would be made to contact higher-ups and follow-up would be given to the borrower. It is now well over 120 days since payments were resumed and the borrowee has not received promised follow-ups.
The borrowers intent is to secure reinstatement paperwork from the servicer 's Loss Mitigation team noting current, detailed mortgage status, inclusive of the potential impact from the grant from the Homeowners Assistance Fund where the borrower applied. This matter may touch more than one department within the servicers organizational structure. The borrower is kindly requesting this correspondence be forwarded to the appropriate parties. The borrowers requests have been ongoing since XX/XX/2022 with seemingly little to no progress.
As required by NY law, XXXXhe borrower also provided signed, written correspondence in XX/XX/2022 and on XX/XX/2022, authorizing the servicer the ability to provide e-mail correspondence and/or phone follow-up as a means of expediting future communication.
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| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I've been pursuing the correction of this payment with Dovenmuehle since XX/XX/XXXX! I've made 8 phone calls, been transferred to multiple people only to have the " fix '' worse than it started! On XX/XX/XXXX I faxed a statement explaining in black & white what needed to be done, and they acknowledged receiving it. I have even filed complaints with the XXXX XXXX XXXX of XXXX Illinois as well as the Illinois Dept of Financial and Professional Regulation, and so far nothing has been done. The following is our situation : Due to COVID and our lack of income, we requested to take advantage of the mortgage defer program in XXXX. We never received a response back, so in XXXX began paying our mortgage ( XXXX paid XXXX, XXXX paid XXXX ) out of fear of late fees. On XX/XX/XXXX we sent a check in the amount of {$10000.00} ( taken from our IRA ) that our XX/XX/XXXX statement ( as well as customer service ) told us would bring us up to date. In the meantime, Dovenmuehle created a 2nd piggyback mortgage from our deferred payments, in the amount of {$7900.00} ( although the statement said the overdue payment was {$7600.00} for the missing 3 months ). When my check for {$10000.00} ( for 4 monthly payments, XXXX thru XXXX ) was received, there was confusion as to the posting, and initially the {$7600.00} was applied to principle instead of standard monthly payments. After now 8 separate hour+ long calls, and another {$340.00} payment to " bring it up to date, '' - and after numerous transactions adding and subtracting monies - not only did Dovenmuehle actually INCREASE my principle balance ( was {$340000.00} on XX/XX/XXXX BEFORE I sent the {$10000.00}, now UP to {$350000.00} including the incorrect second mortgage )! Also, the 2nd mortgage remains unpaid and now has increased it to {$15000.00} ( after they again ADDED another {$7600.00} to my principle on the second mortgage )!! Every call, I'm told it takes a WEEK for them to process a work order! So then I wait, and its STILL INCORRECT, each time worse than before! I've left voicemails for supervisors and have not received a single call back! I've been told we were moved to an " accelerated dept '' and someone would be in touch with me. NOPE. Not a peep. I desperately need this taken care of in order to refinance for a much lower mortgage payment which in these times is critical for us!
Per our statements, our payment of {$10000.00} received on XX/XX/XXXX should have posted as follows : XXXX PAYMENT - Principle {$830.00}, Interest {$1100.00}, Escrow {$590.00} XXXX PAYMENT - Principle {$830.00}, Interest {$1100.00}, Escrow {$590.00} XXXX PAYMENT - Principle {$830.00}, Interest {$1100.00}, Escrow {$560.00} XXXX PAYMENT - Principle {$840.00}, Interest {$1100.00}, Escrow {$560.00} The above figures add up to {$10000.00}. An overpayment on our XXXX payment of {$120.00} showed a total balance of {$10000.00} to bring account up to date, but that {$120.00} was applied to our principle balance on XX/XX/XXXX. In addition, our check of {$340.00} is now " lost, '' no longer credited anywhere.
THE LATEST : We just received a letter from Dovenmuehle saying that our mortgage is being transferred to a company called Nationstar Mortgage d/b/a XXXX XXXX! With just a quick XXXX search, it's evident that XXXX XXXX is nothing but trouble with many lawsuits mentioned! The transfer is effective as of XX/XX/XXXX, and if our mortgage is transferred as it is, we will be owing almost {$16000.00} more than we actually should!!
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| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To Whom It May Concern, I am writing to assert that I believe the {$150.00} fee imposed with the application for the XXXX XXXX/Dovenmuehle Budget Drafting Form to be improper servicing behavior in the housing market.
I request that the {$150.00} fee associated with the application for the XXXX XXXX/Dovenmuehle Budget Drafting Form be waived. In an era of mortgage companies continually asking customers if they are experiencing financial hardship as a result of the global pandemic, it seems that this is a reasonable gesture of good faith. As described in this article from XXXX, I would like to use both bi-weekly payments and additional payment toward principal to save money on interest : " A bi-weekly payment plan is far more effective than merely sending one additional payment per year, '' says XXXX XXXX, a realtor and mortgage broker in XXXX XXXX, Calif. " Your loan balance accrues interest every day and reducing that principal balance every 14 days ( 26 half payments per year ) saves more in interest charges than one full additional payment every 12 months, even though the total amount in payments every year remains the same. '' This set-up fee is unjustified profit, and I do not wish to pay it. XXXX XXXX/Dovenmuehle is set to earn approximately {$58000.00} from us over the course of the next 15 years and they will not incur {$150.00} of expense to set up a direct deposit from my checking account. This is a relatively small amount of money, and with mortgage delinquencies anticipated to reach all-time highs as a result of the pandemic, I expect that the institution is eager to ensure that customer payments are made on time.
I am aware that I gave consent during the refinance for our loan to be sold to another institution to service our mortgage loan, so I do not have a choice in the matter. However, it is my conclusion that this fee is unnecessary and unscrupulous.
It was my hope that XXXX XXXX/Dovenmuehle would make an exception and waive the {$150.00} fee so that we may participate in the program. When I contacted XXXX XXXX/Dovenmuehle by phone on XX/XX/2020, the customer service representative escalated my call to a supervisor named XXXX. XXXX directed me to address my concern in writing and send it via email to : XXXX which I did later that day, while also including my loan number, and indicating Attention Research Department in the subject line.
On XX/XX/XXXX, I received a letter in the U.S. Mail from the Research Department on XXXX XXXX letterhead. The letter indicated that they had received my inquiry and had referred it to the appropriate area for review.
Today, when calling to inquire about my property taxes having not been paid from my fully funded escrow account, I asked the customer service representative about my past written inquiry. The representative, XXXX, informed me that as she reviewed my account, my inquiry was being considered Not a valid request and that I should not expect a response at all.
At the end of the call, I anticipated being able to provide feedback regarding my experience in a short survey, as I had been invited to do according to the automated message I heard while I was on hold. After I finished my conversation with the representative XXXX, a new message saying " I'm sorry, we regret that we can not include your feedback today. Goodbye. '' Thank you for your assistance with reviewing the legitimacy of this fee being charged by XXXX XXXX/Dovenmuehle.
Sincerely, XXXX XXXX
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| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2020 I was furloughed due to Covid, and requested a 3 month deferral from my mortgage company, Dovenmuehle Mortgage. I was told I wouldnt have to pay XXXX, XXXX and XXXX and those payments would be placed on the back end of my loan. XX/XX/2020 I resumed making payments, spoke to them numerous times. Every month I called in to make my payment because they would not allow online payments to be made. I was told my loan was in the final stages of the deferral agreement. In XXXX I received a bill for XXXX that my balance was {$26.00}. I called to ask why because this didnt make sense to me. I was told that was all I owed and that as soon as I made that payment everything would be current and finalized.
In XX/XX/2020 we decided to try and refinance through a different institution. CEMA docs were requested on our behalf on XX/XX/2020. I was told by the loan officer I was trying to refinance with that he suspected as soon as we requested the Cema they would try and sell the loan, apparently this was not the first encounter his company had had with this company. Well A few weeks later we were told our loan was being sold to XXXX XXXX as of XX/XX/2020.
In the meantime in XXXX we were notified that the loan was still in forebearance and payments were not being applied. I made NUMEROUS phone calls ... literally hours on the phone with so many different customer service reps, supervisors trying to clear this up. Always being told something different and no real reason as to why someone just couldnt apply the payments and bring the loan current, as we had been paying since XXXX at this point. A VOM that had been requested showed us having not paid the mortgage. Right around XX/XX/XXXX we received a letter to disregard the loan transfer to XXXXXXXX XXXX.
On XX/XX/XXXX, again after numerous hours on the phone they FINALLY applied the payments and sent the letter we had requested that we were out of forebearance BUT they had said we were only out of forebearance since that day that they applied the payments, and not that our loan was current as of XXXX when we had resumed making payments on time AND had received a letter agreeing to the deferral of the 3 missed payments.
Then we received a letter that as of XX/XX/XXXX our loan would be transferred to a different servicer, XXXXXXXX XXXX.
Now at this point we have already paid {$1000.00} to extend our rate that expired ... our new mortgage company we are trying to refi with has agreed that upon receiving an updated VOM we can close on this loan ... well first we were told 3 different things on how we couldnt be sent the VOM via fax or email ... even though we requested in writing and over the phone ... well now we finally got the VOM but they DID NOT UPDATE OUR PAYMENTS MADE.
They clearly are trying to prevent us from paying off this loan before they can successfully sell the loan off.
I called the new servicer XXXX and told them we have been trying to pay this loan off and Dovenmuehle clearly knows this ... not only did we request CEMA docs but have spoke to numerous at least over 20 CSR about our intentions and the new servicer was clearly shocked to hear this information. How can they sell a loan that is in the process of being paid off ... well they are clearly trying to prevent this from happening. We are at our wits end, our rate extension is abt to expire again and we are being held hostage by Dovenmuehle. How can they send out a VOM that doesnt show payments made?
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| 05/02/2022 |
Yes |
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- Trouble during payment process
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Web |
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The reason I decided to move forward with a formal compliant is because after waiting since XXXX for help I cancelled our auto pay out of fear of our bank account going negative. I knew that we could pay this XXXX XX/XX/XXXX so I scheduled a different payment date after cancelling the draft for XX/XX/XXXX. After the auto pay did not cancel I outreached the payment department to request that they cancel the XX/XX/XXXX payment. They refused stating they couldn't reverse and it had to be my bank that did so. I called XXXX XXXX XXXX and they said because they didn't set up the payment and auto pay that they couldn't stop it. I called back my mortgage company who gave me the same statement. I asked to speak to a supervisor 3 times before someone connected me to one after I stated I was reporting them for fraud. I was then told that I could email proof that the second payment drafted from my account, request a refund that takes 4-5 days and then they mail a check which also takes time. I am unable to wait a week or more for money back on a second payment. I mention this and struggling to pay one payment a month and that I applied for financial assistance. They say they can see that but only that I applied and no other details. They offer to connect me to someone from there and I waited over 2 hours to be told that " my specialist can't see the package and I need to resubmit ''. I can see it on my end and I was told at least 30 days to process. I need to re do everything and submit income.
Below is a snap shot of that process.
Starting in XXXX I applied for XXXX XXXX assistance due to always just barely making our mortgage payment. We got behind on things having XXXX and also losing my second income in XX/XX/XXXX which was XXXX related. We have done ok but I wanted to see if we could get help paying down some of our utility bills or mortgage or both.
Part of the application process is that you first try to work with your mortgage company as well. I applied for their mortgage assistance program too. I have heard nothing in return and have called several times to check in. I am now facing a possible denial for the XXXX XXXX because I have minimal proof of my efforts. I just have a statement on a screen stating that I have applied with no documents or actions needed at this time. I am currently on hold for over 2 hours trying to ask for something to get me proof I am pending and did all I could on my end and an estimate of how long this would take.
XXXX finally talk to someone after waiting over 2 hours to be told they have NO RECORD of my application!!! I read to them what is on the screen and they say " I am sorry but I cant see it. Can you cancel it and re apply. '' I let her know that was not an option as I have been waiting since XXXX and asked who I could talk to. I was told " let me see if we can verify with your specialist '' and placed me on hold.I have never had the opportunity to speak with my " specialist '', get an email or letter. She came back on and asked " what type of assistance and asked how XXXX affected my job. I let her know I " had a separate role at work but the shelter closed and fell behind on bills. " I also informed her that when I have called on other occasions they have found it and also found today by billing department. This call ended with me in tears and being told to start all over putting my housing at risk and all the work I have done to avoid continuing to have financial difficulties.
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| 09/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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I have had a second mortgage with XXXX XXXX XXXX for more than 3 years that went well. Last XXXX XXXX XXXX XXXX XXXX sold/ assigned? my loan to Dovenmuehle Mortgage , Inc .
With XXXX XXXX XXXX I had an automatic payment set BY THE BANK to withdraw the minimum monthly payment. On top of that I made extra payments online through their website. Both my checking account and my home equity were held by XXXX XXXX XXXX.
I had no idea about the above transaction until in XXXX of this year XXXX ( five months later ) when I received a foreclosure notice from Dovenmuehle Mortgage , Inc . It was at a great surprise as I have never heard of them. They said that they had bought the loan and I was in default. I tried to work with them to set up an account immediately and pay online. I was " blocked '' to pay online as I was " late ''. They allowed me with a fee to pay by phone to date.
After that I started to look into the account because I knew I had made payments online at the XXXX XXXX XXXX website every month to go towards principle for all these years and most of the time my extra payments were more than a regular monthly payment.
Then I realized that some of the payments were just deleted. For some of them the money cleared out of my checking account bank but they were never posted to my mortgage account.
Every month I continue to make payment to both the same way, I paid online at the XXXX XXXX XXXX and I paid to Dovenmuehle Mortgage, Inc as I did not want to lose my house. Surprisingly this was repeateing over and over. Some payment are posted, some are not. Every month, when I get a statement, I called XXXX XXXX XXXX and they confirmed that the money has been cleared by the bank and that Dovenmuehle Mortgage , Inc should have posted and then I called Dovenmuehle Mortgage, Inc and they sayd they will look into it. Couple of times I was on conference call with both XXXX XXXX XXXX and Dovenmuehle Mortgage , Inc . The representative named XXXX of the XXXX XXXX XXXX at the extension XXXX was the first nice to go through the statements to confirm my complaint that money has been out of my checking account and never had been posted towards my mortgage. I paid {$20000.00} a month ago to try to close this account and get rid of them, however I do want my money paid to show on the account and have a fair balance. My XXXX XXXX XXXX statement shows now {$7400.00} while Dovenmuehle Mortgage XXXX Inc shows {$8500.00}. It is more than {$1000.00} difference because of the multiple payments that shows on XXXX XXXX XXXX home equity account, but never showed on Dovenmuehle Mortgage, Inc account. They promised me a month ago that they will revise all payments made towards XXXX XXXX XXXX. This month, when I received another statement without any modification I called the bank to tried to reach XXXX. He was unreachable for a whole week. So I decided to contact you to help me. I have printed out everything starting XXXX XXXX with payments made, deleted, cleared money out that were never posted.
On top of that in XXXX they reported me a month late, even of I made multiple payments every month for years including that month but they were never posted.
Where is my money?
I am attaching my most recent information and I know that they both show XXXX XXXX XXXX. However the one with XXXX XXXX address is actually Dovenmuehle Mortgage , Inc. You see, there is no Dovenmuehle Mortgage, XXXXc anywhere, however they hold the account.
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| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX XXXX I obtained a loan with XXXX XXXX XXXX XXXX, at the closing I informed them that the documents were not right due to me being tax exempt on the property. I was informed at that time they would correct it. It was never corrected so they took {$740.00} for taxes ( per closing documents ) .My payments were {$480.00} month which included escrow amount on {$63.00}, I continually contacted the servicer and lender about this problem. The servicer informed me that the had the account listed as tax exempt, so I inquired where was the funds going to that was included in my mortgage and the & {$740.00} that was paid during the closing, they could not answer me, I requested a transcript of the escrow account of which I have not received until this date. Then in XX/XX/XXXX I received an increase in mortgage payment to {$520.00} due to insurance increase, I was never notified prior to, I paid the mortgage payments until I found out what the problem was and changed insurance companies, whereas the payment was cheaper than the initial payment of {$2100.00} at closing. I continued to make the {$520.00} trying to get them to correct the payment amount to no avail. In XXXX I stopped making payments trying to get them to correct this problem, by XX/XX/XXXX after numerous calls and letters, I was told that my payments would be XXXX I made that payment on the phone with the rep., it was put in suspense, when I received my statement it had me delinquent, calling again to find out why, went around constantly with reps. telling me that the payment was wrong. Contacted XXXX XXXX XXXX finally spoke to VP of mortgages XXXX XXXX, XXXX XXXX tried to get the matter rectified. Finally after writing a letter to her informing her that if this problem was not rectified I would refer to Consumer Protection Bureau. On XX/XX/XXXX XXXX XXXX arranged a conference call with herself, manager of XXXX the servicer and me. The manager of XXXX said that she would look into the problems and send me a transcript of the escrow account, she would correct my credit bureau record and find out what happened to the funds that disappeared. At that time I gave her over the phone in that conversation {$1600.00} to be posted as 2 payments at XXXX and 2 payments at {$400.00}. The payments sat in suspense, Until I called because my statement showed I was 90 days delinquent and received a foreclosure notice. Then they found the funds and posted them wrong, I e-mailed the manager at XXXX XXXX XXXX several ties and have yet to receive a response. As of XX/XX/XXXX, my payments has been {$400.00} but they were supposed to be current but XXXX has me 30 days delinquent, being tired of fighting with them and thier annoying calls every two days, I suggested they reage the account just to stop receiving all these calls, they will not comply. My credit has been damaged from their ageing my account delinquent, when they said that they would not until everything was straight, and now they are charging me a monthly delinquency fee for their errors. I have documents from the Title company from the XXXX XXXX XXXX XXXX in reference to the closing documents that I sent to XXXX XXXX and nothing has been done to rectify the actions. I am requesting that all sanctions are places on XXXX and XXXX XXXX XXXX for failing to operate in " good faith '' as I have in getting this account corrected. I have documentation to upload to prove this information.
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| 12/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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Dear Inspector, I am writing to request your assistance regarding my XXXX loan which is being manage by Dovenmuehle Mortgage , Inc .
I got my loan in XX/XX/XXXX to buy my condominium and since then I have been diligent in not only making payments on time but paying more to the principal and escrow.
Early this year I reached to XXXX via their Borrowers portal to asked where should I send proof of Flood Insurance for my home since every year they just take money from my escrow account to buy flood insurance for my home, they did not replied to my email ( please refer to the attachment First Request and see the date it was sent ). Then at the end of XX/XX/XXXX, I got a letter from them with instructions to submit Flood Insurance to the web site ihveinsurance.com which I did ( Certificate and Declaration of Flood Insurance submitted is attached ). Then, on XX/XX/XXXX, I receive an email from the site confirming the proof of Flood Insurance was receive and that my file would be updated regarding my coverage, by then I had been charged {$2800.00} XXXX twice my mortgage monthly payment ). I sent them my proof of insurance again and requested reimbursement and to confirm that documents were receive and that they complied with their requirements but again got no response. I even sent an email to you XXXX sometime in XXXX of this year regarding this matter asking for their help. Dovenmuelhe rarely respond to my emails and when they do, it takes a long time, do not address my concerns or my requests and first their excuse was because of the pandemic which was understandable, after that their excuse has been do to a High Volume of Inquires. I called various time to their XXXX number but was not able to speak with a person due to High Volume of calls.However, XXXX does not offer that same kind of flexibility as they get regarding responding time, in other words they do not reciprocate to its customer by giving more time. XXXX just responded on XX/XX/XXXX1st to an email that I sent on XX/XX/XXXX which they had replied on XX/XX/XXXX in both telling me, that they were sorry but that I had to paid for the flood insurance since I have none. As. Today, they have not replied to my counter response to their email of XX/XX/XXXX. XXXX basically forced me to buy their own Flood Insurance and be double insured since I had submitted many times to their customer service email and to the web site they provided the Certificate and Declaration of Flood Insurance for my condominium. The XXXX XXXX for my home is bought yearly by the XXXX XXXX XXXX which is required by law not only for my unit but for all 50 units that are part of the complex.
Please help me recover the charge of {$2800.00} and investigate XXXX practice which you will find that they do not have a good communication between their agents and borrowers, very slow in responding when they do and do not provide point of contact to follow up and to resolve issues in a timely matter, abuse of power since they just imposed their fees to borrowers, cumbersome web site to submit documentation and mismanage the loans as they are quick to add charges to borrowers but slow in providing invoices and responses.
I will eager to hear back from you regarding this unfair charge and practice.
Kind regards PS Attached are proof that I have been proactive and responsible with my obligations and try may times reaching to them and getting a resolution.
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| 12/03/2021 |
Yes |
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage refuses to provide detailed information ( payment month/year ) as to how the partial claim amount of {$21000.00} will be applied to my account. In my complaint, later dated XX/XX/XXXX, I asked for a detailed explanation of how the {$21000.00} will be applied to my account and a detailed explanation of how my XXXX payments ( {$16000.00} ) were applied to my account ( month/year/amount ). I also requested an explanation for why the company refused to respond/resolve the numerous written/faxed/emailed inquiries. The company did not even comment on the info provided in my last letter regarding the countless calls and agents I've spoken to trying to get this issue resolved. Each explanation the company provides leads to more confusion for me.
In addition, the company has not explained why the partial claim documents do not reflect the actual months that I was on the XXXX Forbearance. The company has stated that partial claim documents were drawn up in XXXX of XXXX, which has a calculation that includes XXXX payments at {$1300.00}. I need to know which month/year were included in the partial claim amount for XXXX payments @ {$1300.00} and XXXX payments @ {$1600.00} ( Again, I need to know for which month/year ).
Per the documents I've provided, my XXXX Forbearance ended in XX/XX/XXXX. At that time, according to every loss mitigation agent I spoke to, the Partial Claim documents SHOULD have been drawn up, which I've documented in my complaint letter dated XX/XX/XXXX, which would have reflected XXXX as my last unpaid month. Dovenmuehle has not explained WHY the Partial Claim documents were drawn up in XXXX of XXXX - XXXX MONTHS AFTER I ended the XXXX Forbearance and resumed making my monthly mortgage payments. I need a detailed explanation of why this occurred and WHY the documents were drawn up AFTER your legal counsel met with my bankruptcy attorney and approved the partial claim amount. I returned those documents signed and notarized by certified mail. What is the current status of my partial claim request? Was it based on the partial claim documents that my attorney approved?
THUS FAR, I've paid a total of {$16000.00}, XX/XX/XXXX thru XX/XX/XXXX. If the {$21000.00} partial claim amount is being applied to what appears to be XXXX months in XXXX and XXXX months in XXXX. AGAIN, I need a detailed breakdown of how the {$21000.00} will be applied to my account, month/year/amount. I NEED A DETAILED EXPLANATION OF HOW THE {$16000.00} that I've made in XXXX PAYMENTS WILL BE/HAS BEEN APPLIED TO MY ACCOUNT ( XXXX thru XX/XX/XXXX ). Without this explanation, NONE OF WHAT YOU'VE PROVIDED MAKES SENSE. Because based on what you are saying, I should be receiving a refund for the amounts I've paid in XXXX if the partial claim amount is for all of XXXX, based on what you've stated in this letter. I must receive a detailed explanation of how my XXXX payments will be applied. I've reviewed the payment history you've provided, which is extremely difficult to understand. It is unclear, and I do not know your company 's codes and how transactions are posted. Even your loss mitigation reps could not explain it.
Lastly, I made XXXX payments in XXXX of {$1600.00}, which {$300.00} of which should have gone to my escrow shortage. Please advise why only {$1000.00} of it went towards the escrow account and not the full amount of $ XXXX.
Kind Regards, XXXX XXXX
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| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Email summary of what was sent to XXXX -- - " I am writing to make a second formal complaint about the handling of mortgage numbers XXXX and XXXX.
The second loan number is my present loan. The XXXX number is a loan that we refinanced thru XXXX XXXX XXXX. The refinance was dated about XX/XX/XXXX, I have received letter after the refinance was complete from Dovenmuehle to start sending payments to XXXX XXXX effective XX/XX/XXXX. I thought this was my recently refinanced loan that had yet again been sold, from Dovenmuehle to XXXX. After that letter, I sent in two payments to XXXX. However, I subsequently realized that the loan numbers were different.
I had much difficulty in getting those XXXX payments returned. I would have never sent in payments if not for the Dovenmuehle delayed letter. At that point, I set up automatic payment for loan XXXX on the Dovenmuehle website. This autopayment from my bank should have been received by Dovenmuehle on about XX/XX/XXXX. This was before the due date of XX/XX/XXXX.
I received a late notice via email on XX/XX/XXXX that the scheduled autopayment had not been recieved. I received the same late notice letter dated XX/XX/XXXX yet not received via USPS till XX/XX/XXXX.
After receiving the email of late payment on XX/XX/XXXX, I call Dovenmuehle customer service XXXX ( " XXXX '' initials ) in order to research which customer service agent. She stated that I should have received a letter that my autopayment would not be debited from my account for the XXXX payment because a months notice was not enough time to set up an autopayment. However, amazingly, XXXX was able to take an electronic payment on XX/XX/XXXX from the exact same bank account. Please listen to this phone call to make your own judgements on the type of service being provided by that Dovenmuehle employee.
I asked XXXX to remove my late fee. She stated that she could. It is still on your website as a late bill as of XX/XX/XXXX. I asked XXXX on XX/XX/XXXX to resend the letter that says autowithdrawal would not work for the XX/XX/XXXX payment. As of XX/XX/XXXX, I have yet to received that letter.
I would like the late charge removed. I would like the one time life of loan late charge removal option be re-added to my loan.
I also would like an explanation, and please do not use COVID as an excuse, how this poor service can occur to a repeat customer. The amount of time that I have wasted on this mismanagement is at least four hours. " Additional email sent to XXXX RE : XXXX " This morning I was again on the phone with Dovenmuehle customer service. The agent was XXXX (? spelling ) XXXX stated that the last agent said I had NOT requested the late fee be removed. That is not true.
I asked for the late fee to be removed and the ability to utilize a late fee be reinstated.
I also called as my autopayment had yet to come out for my XX/XX/XXXX payment. XXXX stated that the autopayment would come out on XX/XX/XXXX. I will check on that as of XXXX XX/XX/XXXX.
XXXX did remove the late fee. I am still seeing an answer on the late fee reinstatement.
This should have been easy and automated. Unfortunately, this has been nothing but frustrating and time consuming. '' Please note, that although I was told twice that the late fee was to be removed, as of XX/XX/XXXX, the late charge has not been removed and this has not been resolved to my satisfaction
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| 09/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I refinanced my mortgage with XXXX XXXX. My previous mortgage company was Dovenmuehle Mortgage. My loan was fully funded and paid off on XXXX/XXXX/2015.
I then called Dovenmuehle Mortgage and requested the refund of my escrow. They told me that it would be sent within 30 days. I said this was unacceptable as these are collected funds. I asked for the funds to be sent to me sooner and they would not honor my request. Attached is a copy of my transcript with their customer service. PlLoan Number:XXXXYour Name : XXXX XXXXEmail Address : ( Send Transcript ) XXXXXXXXXXXX Number ( optional ) XXXX XXXX XXXX # XXXX & lt ; br / & gt ; XXXX, FL XXXX XXXX XXXX XXXX XXXX. Thank you for contacting us. How may I assist you?
Visitor XXXX XXXXI have refinanced and am looking for a refund of my escrow account.
XXXX XXXX XXXX XXXXBefore we continue, for verification purposes, can you please verify the last XXXX digits of your Social Security Number?
Visitor XXXX XXXX XXXX XXXX XXXXThank you. One moment please, while I access your account information.
XXXX XXXX XXXX XXXXPlease be advised, any remaining escrow funds will be refunded as a check to your mailing address within 30 days of your paid-in-full date of XXXX XXXX.
XXXX XXXX XXXX XXXXIs there anything else I can assist you with today?
Visitor XXXX XXXX30 days is really long time to refund what is due to me! I want this conversation escalated to a managerXXXX XXXX XXXX XXXX. One moment, please.
Visitor XXXX XXXXAm I still connected?
XXXX XXXX XXXX XXXXYes, I apologize for the delay.
XXXX XXXX XXXX XXXXThe manager will join this chat momentarily.
XXXX XXXX has joined the chat.
XXXX XXXX XXXX XXXXXXXX. XXXX?
XXXX XXXX XXXXYesXXXX XXXX XXXX XXXXGood afternoon. I see you 're requesting a status on your escrow refund. Is that correct?
Visitor XXXX XXXXI am requesting a refund of my escrow. The loan is paid off and my escrow is collected funds.
XXXX XXXX XXXX XXXXI see that we just received your payoff funds on XXXX XXXX, 2015. You should receive your escrow refund within 30 days from that date.
Visitor XXXX XXXX30 days is too long. These are collected funds. I need the government agency you report to?
XXXX XXXX XXXX XXXXI 'm sorry, XXXX XXXX, but we will not issue the refund check for at least two weeks after the paid in full date. This is to ensure the payoff funds have cleared and that there are no issues with the payoff. You will likely receive the refund check before 30 days.
Visitor XXXX XXXXI am sorry, but that is not acceptable. The funds are good as you know. Please give me the government agency you are licensed under. Also, should I use your name as XXXX XXXX or do I need your employee number?
XXXX XXXX XXXX XXXXI 'm sorry sir, but the 30 day turnaround time for escrow refunds is standard for the mortgage industry. We can not release the remaining escrow funds any sooner than I have indicated.
Visitor XXXX XXXXWhat is the government agency you are licensed with?
XXXX XXXX XXXX XXXXI 'm not sure what you are referring to, XXXX XXXX. I can say that we 're regulated by the Consumer Financial Protection Bureau ( CFPB ) and that we follow all appropriate government regulations such as the Real Estate Settlement Procedures Act ( RESPA ).
Visitor XXXX XXXXIn order for me to file a complaint, I need to know if I should use XXXX
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| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have my mortgage through XXXX XXXX XXXX ( XXXX, CO ) but the loan is serviced by Dovenmuehle. My complaint is against Dovenmuehle. On XX/XX/20, I submitted a {$2100.00} principle only payment through the XXXX website. The next day, the payment showed as being applied as principle only. However, by XX/XX/20 Dovenmuehle had changed/adjusted the payment to a regular payment ( principle and interest ) and advanced my due date to XX/XX/20. I am in the process of refinancing my loan through XXXX and was given the option of not making my XXXX payment ( due XX/XX/20 ) due to the closing taking place on XX/XX/20 with the loan funding on XX/XX/20. This is why I made a principle only payment on XX/XX/20. I had numerous conversations with my loan officer on XX/XX/20 and XX/XX/20 trying to obtain a correct payoff and figure out how my payment was being applied. I contacted the credit union on XX/XX/20 due to the payment finally being displayed as principle and interest and my call was routed to Dovenmuehle. The representative proceeded to tell me that I was due for XX/XX/20 and that's why the payment was applied that way. I told the representative that was incorrect, I made a principle only payment on XX/XX/20 and Dovenmuehle changed the payment directive without consent. I asked to have it corrected and was told I would have to submit a request in writing and it could take 5 days to correct. I told them this was unacceptable since I was closing on XX/XX/20 and the payoff had already been held up due to their error. I was then told that the payment should have been applied as principle only since it was initiated before the due date. I asked why was it changed and was told they didn't know why. I asked for a supervisor since they couldn't give me a timeline on adjusting the payment. When speaking with the supervisor, they told me that the payment was misapplied most likely due to a system issue and that it could take a few days to correct. At this point I was simultaneously speaking to my loan officer and that the payoff figures needed to be submitted to the title company yesterday. I then requested that Dovenmuehle leave the payment as is since it had already screwed up the closing and payoff. I was forced to adjust my closing to XX/XX/20 due o their error.
The fact that Dovenmuehle changed my payment directive is concerning. Also, they couldn't explain why it happened other than to attribute it to a system issue. How many other consumers has this happened to? I'm actually an examiner with the CFPB so to say I'm a savvy consumer would be an understatement. If someone without my background wasn't paying close attention to their statements, this type of error could be missed. This could be prevalent and other principle payments only payments could be misapplied. This is why I'm filing the complaint. I want Dovenmuehle to explain why this happened and to further investigate the misapplication of principle only payments for other consumers. This is a huge red flag.
See attached screen-prints to show the misapplication of my payment. You can see on the attachment ( Payment Made on XXXX ) that the payment was submitted as principle only on XX/XX/20 and processed on XX/XX/20. The attachment ( Payment adjusted on XXXX ) should the online payment as other but on XX/XX/20 being adjusted to XXXX XXXX XXXX.
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| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had this house for several years now with same company dovenmuehle I do use a third party procesor to make payments because they even pay 2 extra times a year to help me pay off my house quicker .. the processor is called XXXX XXXX..the closing agent at dovenmuehle were even the ones that offered their services and I thought it was the same company or that they would communicate with each other to ensure my payments would come out automatically for the right amount However, las year Dovenmuehle started changing my loan amount and dovenmuehle never let the processor know and I was not aware as I thought it was also between them. They have my full account information to pay but apparently my loan just started to get late and I figured it out until it really late because I did not get a notification right away. Then I did all pertinent phone calls and changed the amount on my payment processor side. Guess what? This year they changed my payments again and I did not know and the worst part is that when I call to pay over the phone they want to charge you a late fee and a phone service fee for paying a miserable {$30.00} I always end up being forwarded to their collections phone line and it takes for ever for them to espondand they are not only charging all those extra fees but they are also extremely rude even when I request the phone fee waived all they do is send me to their website but their website does not show an option to pay for the missing amount only for a full month the already have most of the payment through my processor, and they are only missing {$30.00} why they always treat me like garbage they have even hung up on me just because I try to explain the situation and why I request for the phone bill to be waived when they hung up they make me even latter on the payments because I can only call after work and they are closed on weekends. It is not like I do not have the money to pay my mortgage, but I am a XXXX mom with a kid in XXXX that I support fully and they treat me like I am a horrible person for trying to pay my missing {$30.00} without paying almost double just because they do not have that option for me online they also fight over the phone with me even when I tell them I do not want to argue with thenand when I am trying to explain the situation and all they do is refer me to send the payment by mail what if that check for barely {$30.00} does not make it to them on time they would not let me know and then what? Would I loose my house and my credit would be ruined? They would take my house for stupid {$30.00}? It is scary when this house is all I have have for my daughter and I they play with you like that each time. Currently I am trying to move the loan somewhere else and I am refinancing because I even have XXXX XXXX XXXX from these whole fiasco they are really extremely rude and they should offer a better option or not even offer the third party vendor when you sign up with them I am not from the U S originally and this was my first homeand not sure if my accent makes them feel like they can be rude to me I feel like they are taking advantage and it is not fair for the short payment that is being sent by mistake. Please review this merchant and dont allow them to do this type of horrible treatment to other XXXX moms specially for first time home owners.
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| 04/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX a sum of {$1900.00} was withdrawn from my bank account for the XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a notification that the payment was rescinded due to faulty bank routing number, and that I still owed that month 's mortgage.
When speaking to a customer service representative for Dovenmuehle Mortgage they informed me I could make a one-time payment to fix this error. After doing so I checked my bank statements to make sure that the payment I had sent in the beginning on XX/XX/XXXX for this month was returned, but found that the money had been withdrawn but was never returned.
The first time I called the company they told me to send an email with my bank statement information to prove the money had never been returned. I sent an email XX/XX/XXXX and heard nothing from them. I called back XX/XX/XXXX to check if any progress had been made on this issue and was told they never received an email. The representative who told me to email them had given me the wrong address. After re-sending the email I was told that someone would contact me in two days. No one did.
I called back XX/XX/XXXX and was told that in addition to the bank statement they needed a bank official copy of the check to prove it had been made out to Dovenmuhle. I sent an email out that day, now containing all the information they needed, and was told that the company had sixty days to review the claim.
I paid another month 's mortgage on XX/XX/XXXX. On XX/XX/XXXX I received another letter stating that the payment was rescinded due to faulty bank routing number, but once again the payment had already been taken out of my account and the ACH was never reversed.
On XX/XX/XXXX I paid the mortgage and received another letter reciting the same issue on XX/XX/XXXX. I called the company and once again repeated my plight. The customer service representative found the last email I sent in XX/XX/XXXX and said that no one had touched it. He filed a report to send to a review committee and said that it would take seven business days for them to make a decision.
On the eighth business day, XX/XX/XXXX, I called back. Once again, I had to explain everything from the beginning multiple times. The lady I spoke with said that the review committee did find the payment I made in XX/XX/XXXX. I asked about the refund and she said the report had apparently been filed incorrectly since there was no mention of me wanting a refund. She refiled the report and said it would take another seven business days to receive an answer.
She said the company sent a letter in XX/XX/XXXX with a verdict. Vaguely remembering a confusing letter, I asked her to read what the letter said. After she finished she summed it up that they simply needed my bank statements to prove that they money was never returned. I told her that I sent them in XX/XX/XXXX, before that letter was ever sent.
On XX/XX/XXXX I also sent another email with bank statement information from XX/XX/XXXX and XX/XX/XXXX to prove that the money had never been returned. This makes three payments of {$1900.00} that have been taken out of my account, considered invalid, and reversed without being refunded.
In total they are holding on to {$5900.00} without counting it towards our payments so it's not even reducing the interest that is being charged monthly.
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| 03/19/2019 |
Yes |
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- Trouble during payment process
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Web |
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Hello, Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, Pa. XXXX XXXX Mortgage Company Mortgage Handler : Dovenmuhle acct : XXXX Initial Trash Taxes : XXXX- {$190.00}, Now {$1200.00} ( est. ) XXXX- {$180.00}, Not sure ( est. ).
On XX/XX/XXXX this homeowner found out she was being pursued by XXXX XXXX XXXX. to collect a debt for the City of XXXX regarding delinquent trash taxes from XXXX. Upon inquiring on the day with the City 's tax office ( XXXX ), this writer found that the taxes for XXXX had not been paid as well. Please note that this bill has not been the homeowner 's responsibility, but paid through the escrowed account.
On the same day, this writer spoke with XXXX XXXX from XXXX, and informed him of being unaware of their desire to collect this bill, and together called Dovenmuehle, the mortgage handlers for XXXX Bank. During a conference call, XXXX and I spoke to XXXX, who was not helpful but rather punitive and insensitive to the situation. However, this writer asked to speak to a supervisor. We conferenced in XXXX ( sup. SCA ) who heard the situation, understood that the taxes were never the homeowner 's responsibility as XXXX XXXX ( from XXXX ) explained that the trash taxes are only billed under the school bill and not as a separate line item to the homeowner. This writer further added that she has had her mortgage since XXXX and the bill has apparently been paid through escrow. XXXX XXXX agreed in our recorded conversation to pay the bill, and XXXX XXXX agreed to send her the only documents he had and cc this writer in the emailed correspondence. Which he did later that day.
On XX/XX/XXXX, this writer called XXXX at the XXXX City Tax office and XXXX XXXX at XXXX XXXX XXXX to found that they had not heard back from Dovenmuhle. This writer then called Dovenmuhle and spoke to XXXX ( again ), and XXXX ( sup ). XXXX insisted that the tax bill was this writer 's responsibility which was opposite to the resolve met with XXXX ( sup ) of XX/XX/XXXX. In addition, she was not supportive in revealing the internal supervisory or managerial structure so this writer could bump the issue up to a higher level. As a matter of fact, XXXX left this writer on hold until she finally decided to simply hang up.
After that, this writer called XXXXXXXX XXXX Point of Contact office and spoke to XXXX. She suggested this writer write to Executive Complaints, and/or call Dovemuhle back and ask for their tax department. This writer called back to Dovenmuhle and spoke to XXXX who stated this writer could not speak to the tax office because it is offline, so this writer asked for a manager. Instead, a supervisor by the name of XXXX answered. This writer asked for a manager but she was informed management staff was not available. XXXX reviewed this writer 's case and concerns, and informed management would be made aware, review the situation, and get back to this writer in two hours or by tomorrow. This writer informed XXXX of how ridiculous it was for XXXX and XXXX to not be supportive regarding this tax bill considering that XXXX is in the first lien position, and the government trumps them if not paid.
P.s.
This writer inquired on XX/XX/XXXX as to whether this call and the call on XX/XX/XXXX were recorded. She was informed by XXXX that all calls are recorded.
Sincerely, XXXX XXXX XXXX
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| 01/09/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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BEWARE!!!, Dovenmuehle Mortgage Inc., promises lower rates if refinance, my Mortgage increased by XXXX which ALL was added to my loan and value of my home from original mortgage loan of {$260000.00} to {$280000.00}. All were additional fees and points that I discovered after the fact at closing, none of this was released or explained to me. My Mortgage monthly payment went from {$1500.00} to {$1900.00} Mortgage {$1100.00} Required Escrow Payment {$460.00} for future Insurance and Property Tax to be paid next year!
Shortage/Surplus Spread {$250.00} Recover escrow account after paid Property Tax at Closing twice!
Total : {$1900.00} this is has caused me extreme XXXX and stress and I am disgusted in believing this person/company was looking out for my best interest but instead only to be taken advantage of for them to make a profit of XXXX at my expense. I am extremely disappointed with my decision to trust and depend on this company to refinance my Mortgage Loan and as promised to reduce my interest rate and payments which were false. I was leading to believe I was lowering my Mortgage and monthly payment as throughout the process of refinancing, I regret my decision and now have a home with a Mortgage debt increased almost 18k and monthly payment increased by approx. {$500.00}, Veterans and to take advantage of and abuse Veteran Benefits. I have contacted the company multiple times to attempt to correct or remove escrow that they are claiming is required, I am a XXXX XXXX XXXX Veteran who does not pay Property tax and have to wait until XX/XX/XXXX until Tax Appraiser for my county sends out Tax Exemptions, until then I have to continue to give my money to Mortgage company, as well they are forcing me to pay monthly escrow for future Insurance policy to be renewed after XX/XX/XXXX when current Policy expires, I paid in full the whole year at closing to prevent making monthly payments for insurance and now this company is forcing me to pay monthly for insurance in escrow, I will not be renewing with this insurance and will have another policy that I will pay monthly premiums myself. Of course, they are billing me for XX/XX/XXXX Insurance and Property tax without having a bill or debt that I owe from Tax office or Insurance company. There customer service is terrible! I spent 2 hours on hold to be told that Dovenmuehle Mortgage Inc. does not all the deletion of escrow or refunds, and they are required to charge me escrow for future estimated debts. I thought me purchasing a home with my VA Benefits would never be so difficult or stressful with Uncertain Monthly mortgage payments and after hurricane problems dealing with such a terrible customer orientated company, I never heard of or knew who was my mortgage company after closing until I received my first bill/statement, I was never welcome or any explanation or copies of closing documents were ever sent to me for review, I am still in the dark receiving bills in the mail that escrow payment has increased and no contact from company as well after 2 months of payments were deferred due to Hurricane Irma, they now have my account in collections for balance that was deferred, this is another issue I have to resolve and settle with no help at all from the company.
Dovenmuehle Mortgage Inc.
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX
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| 04/23/2022 |
No |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Loan # XXXX With XXXX XXXX Bank. Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Direct # XXXX.
In XXXX, XXXX I enforced the Cares Act provision putting my loan into forbearance due to a hardship. I utilized several extensions via telephone with representatives of this bank which were approved and on XX/XX/XXXX, since I was not given notice that my current request for an extension was approved, I made a full payment in the branch office.. I was then contacted that my extension was approved and subsequent phone calls were made to start normal regular payments after the approved extension in XXXX of XXXX. This bank has made several errors and admitted to such on payment arrangements and reallocation of my payments that were made. They have given very poor communication, have made threats of foreclosure as a result of there mistakes and have never reallocated and reconciled my account even though I have been promised and assured they would do so. In XX/XX/XXXX, I was given notice that they would now take steps to foreclose on my property. I have not missed a single payment. This is a direct result of their incompetence and negligence as a bank to reconcile the account in accordance to the cares act.
Updated : XX/XX/XXXX This company has will malice held key information about my claim. They have also purposefully made the reconciliation process confusing, as well as impossible to follow a trail of facts via their responses by phone call interactions, invoice accounting statement responses, revision statements countering previous statements as well as accounting revisions both verbal and written, which are absolutely inconsistent with one another. Of great concern, They have made statements and direct claim that I entered into a program or loan review in XXXX, XXXX, which has no clarity or reflection to my statements and understanding on how I physically reacted to the information provided from the representative ( s ) I spoke to. I was given direct information over the phone that I had been extended another 3 months of forbearance utilizing the Cares Act as well as having a loan review to potential lower my interest rate and/loan payments. In no way whatsoever did I have knowledge that any payment was due or would be due prior to XXXX. I was told and given the mindset and knowledge that I WOULD SIMPLY CARRY OUT AN ADDITIONAL 3-MONTHS of Forbearance. If I was told in any way through communication on the phone that my credit would be impacted, late payments could or would potentially be re-applied, I would NOT have proceeded. In fact, I could have utilized the cares act up until XXXX of XXXX had I deemed it necessary but was in good faith given the understanding that I would be protected under the cares act until XX/XX/XXXX. At no time, was I given warning, in-depth understanding or information of repercussions should I allow the bank to review my loan, nor was I told that Utilizing the cares act further along with a loan review would have any conflict with one another.
This company is committing fraud and has absolutely NOT followed the cares act guidelines. I stand FULLY behind my claims and ask, again, that a FULL investigation be done. I also ask that my XX/XX/XXXX payment be credited back to me since I was in fact protected under the cares act at that time.
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| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am one of the millions of Americans that have been devastated financially by the Covid 19 crisis. I contacted my mortgage company Dovenmuhle Mortgage at the start of all this crisis and to date I have not been able to get any assistance whatsoever.
They refuse to answer calls they have a voice mail referring their customers to a website that is conveniently not functioning. If you get a represenative they hang up on you. I was told by a representative a few weeks back that I qualify for some forebearnce program ( terms unknown ) and I should be receiving information by mail. This was weeks ago this letter never came, meanwhile my mortgage is due. I have found out many banks are offering a forebearance program where the money is not due as a huge balloon payment at the end of the forebearnce a/ balloon payment that would surely send millions of Americans into foreclosure and devistate our economy.
Some banks are tacking missed payments on to the end of the mortgage and lowering interest to help people in need. It seems Dovenmuhle chooses to go in another direction opting for the inhumane route. They appear to be using a catastrophe to their advantage. A way to foreclose on properties and clean up when the smoke settles. Below is the last email I had sent them. Please Help me.
XX/XX/2020 Dovenmuehle Mortgage Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Loan # XXXX To Whom This May Concern : I have written countless emails, sent letters, and have made many calls to your loss mitigations department that conveniently is not taking calls and referring people to a website that is not functioning XXXX When you input your information it does not recognize you. I have spent hours on the phone with the technical assistance number listed on the page who blames Dovenmuehle for not verifying the information. The same information that I give to your representatives over the phone who have no problems with any of it. The same information used in paying my mortgage every month.
Currently my mortgage is in good standing and all along I have had a good history with Dovenmuehle. I have written letters, tried to register on your website that does not function properly, spent countless hours on the phone with technical support, made many phone calls and all Ive been told by a phone rep is I was granted a forbearance. Pausing my mortgage payments for 3 months, 6 months or an entire year then demanding full payment at the end of the forebeance is not a solution. If this is what you have set me up for, I am doomed to be foreclosed on because I will not be able to make a balloon payment at the end of the forbearance period. I am asking for one of two options, a significant reduction in interest ( loan modification ) or the missed payments to be tacked on to the end of the mortgage.
This is the only real solution. I am hoping you will do the right thing and offer a real solution that I can live with. Please let me know as soon as possible as the stress of worrying about my mortgage is causing me health concerns. I need an answer immediately and I need your help! If I do not get any satisfaction or a prompt reply I will file a complaint with the CFPB Sincerely, XXXX XXXX Loan # XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
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| 03/08/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I received a letter telling me my mortgage was going up to XXXX per month from XXXX. The reason I 'm being given is that my escrow was short. According to the servicer 's records, in XX/XX/XXXX, my starting balance in my escrow account was XXXX. I refinanced my home XX/XX/XXXX with XXXX XXXX, whom allows their mortgages to be serviced by Dovenmuehl. At that time, my interest dropped by .75 %, as well, my MIP went. From XXXX per month to XXXX. My previous mortgage had just gone up to around XXXX due to an increase in hazard insurance premiums from XXXX to XXXX, which was our reason for the streamline refinance outside of the obvious savings we would get with the lower interest and lower MIP. Further, once our refinance went through, we switched our hazard insurance to XXXX to get a lower premium of XXXX. This took place on XXXX/XXXX/XXXX. Our current policy expires in XXXX of XXXX. During our refinance, our HUD indicated that our taxes were XXXX. It apparently went up a bit.
My issue is that the escrow department has miscalculated or someone has paid something from my escrow that should not have been paid and now, they want me to pay either XXXX to have my payment only go up approximately XXXX per month ( XXXX ) or to pay the higher monthly amount of XXXX.
I 'm no XXXX .... And there is no way you can tell me that my MIP of XXXX ; county tax of XXXX ; and hazard insurance of XXXX totals XXXX, which is what my escrow balance would be before paying out MIP, tax, and hazard insurance ....
What it appear occurred is that they are showing that my hazard insurance is due, which was already paid in full for the year, plus the difference in taxes paid compared to the amount showing on the HUD.
Either way, in XX/XX/XXXX, my balance was XXXX. Deduct the XXXX for insurance in XXXX and my account would have been XXXX. Then, Add to that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX escrow payments of XXXX ( XXXX x XXXX = XXXX ) and the total escrow would be XXXX. Reduce that amount by XXXX ( 3 months of MIP OF XXXX ) and the total is XXXX. Now take that amount and deduct the XXXX in taxes paid in XX/XX/XXXX and the amount is XXXX. Then, XX/XX/XXXX 's payment would bring the escrow balance to XXXX after deducting MIP. XX/XX/XXXX 's payment would bring it back to XXXX AFTER DEDUCTING MIP. We are now in XXXX. So, if you add the XXXX XXXX XXXX less MIP ) we are back up to XXXX. Since our hazard insurance is not up for renewal until XX/XX/XXXX, we would have 6 months paying XXXX after our MIP is deducted. This would get our escrow balance to XXXX. This more than covers our XXXX premium and leaves a balance of XXXX. Adding 3 months at XXXX per month again brings our balance back to XXXX. Since taxes are due before XX/XX/XXXX payment will be processed, we 'd still be negative, and I agree that we should not go too far negative. However Using the same math and having XXXX by XX/XX/XXXX if you added XXXX to our escrow payment every month, after insurance is deducted and once XX/XX/XXXX 's payment is received and after taxes were paid, you would have an excess balance of XXXX .... Our payment would be manageable and would be XXXX ( XXXX P & I + XXXX escrow ) ... .. In other words, there is absolutely no reason that some XXXX came up with a XXXX higher payment ....
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| 04/08/2022 |
Yes |
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- Trouble during payment process
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Web |
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The mortgage company charges interest and penalties for Covid -19 period, refusing to disclose and provide to me my mortgage statement.
I filed XXXX XXXX bankruptcy on XX/XX/XXXX, and immediately my mortgage company stopped sending monthly mortgage statements and consequently denied me all access to my mortgage information on their website. This prevents the electronic mortgage payment access I have used since they bought over my account from my previous mortgagee. On inquiries, I was told it is their procedure until when I am duly discharged from bankruptcy ; then, my access will be restored. I continuously and consistently made my timely mortgage payment electronically every month from XX/XX/XXXX to date from my primary bank, XXXX XXXX XXXX. On discharge from XXXX XXXX bankruptcy in XXXX of XXXX, I approached my mortgage company, Dovenmuehle, for direct access to my mortgage information but was denied.
In XXXX XXXX XXXX, I lost my job due to the Covid- 19 and was unable to make my mortgage payment. I immediately contacted my mortgage company, Dovenmuehle. They sympathized with my job loss and advised me to keep them updated on my financial Information. I recovered financially and resumed payment in XXXX XXXX XXXX, and I have made my monthly mortgage payment consistently and on time to the present monthly.
In late XXXX XXXX XXXX, I called the mortgage company to inform them beginning from XX/XX/XXXX, I plan to resume my mortgage payment, and its easier and more convenient for me to make my payment electronically directly on their website. I was told to have access to direct electronic payment, and I have to bring to account updated. There are two options to doing that. I can agree to their Loss Mitigation term, which will bring the unpaid amount during the Covid -19 months to the front of the loan. Instead of this loan term ending in XXXX as originally stated. It will now end in XXXX. Or pay off the {$21000.00} balance now. I asked how the total mortgage payment for 12 months amounted to {$21000.00}. My mortgage payment is {$1000.00}, and when multiplied by 12, it equals {$12000.00}. I requested to know what constituted the {$8500.00}, which is the difference between what I believed I owed for 12 months and their calculation. A federal moratorium states that mortgage companies or institutions should not charge late fees or penalties for unpaid mortgage payments during the Covid 19 epidemic period. Every effort made to get Dovenmuehle mortgage company to provide to me as a consumer the detailed itemized statements that will show and reveal the discrepancies in the amount outstanding for this period in question have failed. I am requesting your assistance to compel than to provide to me as a consumer on what constitutes the {$21000.00} because that is {$8500.00} more than what I owe. The issues I need help resolving with the mortgage company are ; 1. I need a statement disclosing how they came to the conclusion that I owe {$21.00} XXXX to bring the mortgage up to date.
2. Why all the mortgage payments made since XX/XX/XXXX has not been credited to my account.
3. Why have they continued to deny me access to my mortgage statements online and my ability to pay my mortgage payment electronically on their website since I have be
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| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage force placed insurance on my property after I had submitted proof of insurance to them twice. {$3200.00} was taken out of my escrow account to pay for the unneeded insurance days before my loan was service transferred. I have been in contact with the customer service department, insurance department, and research department over the last XXXX months to try to get this money refunded. I have also sent Notice of Error letters via email and XXXX and have not received any type of response from the company.
I have tried to resolve this as follows : XXXX and XX/XX/2020 ( before force purchase ) - Submitted a copy of my insurance policy ( via XXXX and via XXXX XXXX XX/XX/XXXX XXXX I received a notice that insurance had been purchased on my behalf. I called XXXX and was told insurance was not force purchased before my loan was service transferred and that the notice was incorrect.
XX/XX/XXXX XXXX My escrow account at the new service provider was negative. I called the new provider and they explained that XXXX had in fact purchased the insurance before transferring my account. The cost was {$3200.00} XX/XX/XXXX XXXX I called the XXXX insurance department and spoke with XXXX who said she was making a research request and that the insurance should not have been purchased. She discovered that the policy I had submitted was miscategorized in their system as 'miscellaneous ' insurance rather than flood insurance. She recommended that I follow up with this request on or after XX/XX/XXXX to request status of reimbursement.
XX/XX/XXXX XXXX I called to request status of escrow reimbursement because I have not heard anything from XXXX XXXX I spoke with XXXX, a supervisor, who advised that my reimbursement would be complete in XXXX business days, that I would be sent a letter and the funds would be sent to XXXX XXXX the new servicer ). I sent XXXX another copy of the policy after this conversation.
XX/XX/XXXX XXXX I haven't received a letter or funds from XXXX XXXX I called and spoke with XXXX again who disconnected after XXXX minutes. Called back and spoke with XXXX, another supervisor in the insurance department, who said she was going to escalate my request so that it would be handled more quickly. She took my phone number and email address and said I would be contacted within XXXX business days by a member of the acceleration team.
XX/XX/XXXX XXXX I never received a call from the acceleration team, so I followed up with a phone call. XXXX told me there was 'nothing that could be done ', she transferred me the voicemail of the head of insurance department, XXXX XXXX XXXX I left a voicemail with XXXX XXXX. I also sent him an email outlining the error on the same day.
XX/XX/XXXX XXXX I never received a response to my voicemail or email so I sent a Notice of Error letter to Dovenmuehle via XXXX mail.
XX/XX/XXXX XXXX I never received a response to my Notice of Error letter so I called and spoke with a supervisor in the Customer Service department named Precious. Precious had record of my email sent on XX/XX/XXXX, but could not find my XXXX mail XXXX. She requested that I resend the letter via email, so I did. She said she would call me back later on the XXXX or on XX/XX/XXXX at the latest. I never received a call back.
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| 06/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My mortgage with Dovenmuehle Mortgage , Inc was paid off in XX/XX/2020 through refinancing. We are currently in the process of selling our home and we noticed that the old mortgage is still appearing on our title. Our title company reached out to us and to Dovenmuehle requesting a 'Paid in full ' letter.
Here are the series of events starting with the first phone call 1. First phone call ( ~10 days ago ) : Rep mentioned he'd fax it in 24 hours. Never received the letter 2. XXXX XXXX - 1st phone call : Talked to supervisor. Promised to fax letter in 10 minutes. But sent over a document that didnt belong to us.
3. XXXX XXXX - 2nd phone call : Talked to supervisor. The system was down and we were asked to call back on Monday 4. XXXX XXXX - Sent an email to our previous loan officer from XXXX. He mentioned that he's raised it with the concerned team and they would reach out to us when they have an update.
4. XXXX XXXX ( 1st try ) - We called Monday morning to check on the status, rep mentioned 'I dont know who promised you the letter, I dont t see a request open for your letter ' and so she raised a request. We requested to talk to the supervisor but she apparently didnt have access to connect us to one.
5. XXXX XXXX ( 2nd try ) - We called again in the hopes of talking to a supervisor and we did.
She promised to fax letter in 10minutes but yet again received nothing.
6.XXXX XXXX ( 3rd try ) - We called again to reach see why the letter wasnt faxed. The agent mentioned that the supervisor we had talked to earlier wasnt able to find the letter and that she put in a request to the research team to look into it. She also shared an email id and she said we could try sending them an email.
7. XXXX XXXX ( 4th try ) - We tried emailing the research team and looped in our escrow company too.
8.XXXX XXXX - We also tried following up with our Loan officer from XXXX to see if they had any updates and they didnt 9. XXXX XXXX - We tried calling the customer care again to check on the status. They mentioned that its being processed and they cant give a timeline on when it will be done. They also told us to call them back if we dont receive the letter by Friday.
10. XXXX XXXX -Followed up with Loan officer from XXXX. He stated that the matter has been escalated to XXXX upper management and that they're waiting for a response from Dovenmuehle.
Explaining our situation to a new representative each time and just being promised the same things over and over again has caused us a lot of mental and emotional stress.
We also are in the process of buying a new place that is contingent on the sale of our current house. The closing is 8 days away and I still have no luck with the letter.
We also need to move out of our current home by the end of this month. This whole situation is proving to be very difficult for us.
Just like us, our escrow agent has also been calling Dovenmuehle everyday to get some kind of response. Dovenmuehle is by far the worst company I've interacted with. They have caused me and my family a lot of stress during these uncertain times.
And at this point, this particular letter is proving to be a roadblock for our closing.
Requesting your assistance in getting this resolved at the earliest.
Thank you in advance!
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| 02/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX - closed on mortgage XX/XX/XXXX - received communication from originator to make first payment to originator of loan - due XX/XX/XXXX XX/XX/XXXX - received communication that mortgage servicing had been transferred to Dovenmuehle Mortgage ; first payment due to Dovenmuehle - XX/XX/XXXX XX/XX/XXXX - check issued i/a/o XXXX for XX/XX/XXXX payment to mortgage originator as instructed XX/XX/XXXX - payment remitted XXXX XXXX to Dovenmuehle Mortgage for XX/XX/XXXX payment due.
XX/XX/XXXX - submitted secure message via on-line portal questioning principal balance. Dovenmuehle showed the principal balance starting at the original loan amount and did not account for the first payment made to the mortgage originator XX/XX/XXXX - follow up regarding message sent XX/XX/XXXX XX/XX/XXXX - follow up regarding message sent XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - follow up regarding message sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX - received message via online portal that my mortgage was correct XX/XX/XXXX - responded that my principal balance was still incorrect due to the first payment not being reflected XX/XX/XXXX - received the exact same message sent XX/XX/XXXX that my mortgage was correct XX/XX/XXXX, XXXX XX/XX/XXXX - numerous phone calls made to the customer service line ; ( I do not have these records as these calls were made from my place of employment ). Hours were spent regarding a resolution. In XXXX, I was finally put in touch with a supervisor who stated that my first payment should have been set up as XX/XX/XXXX. She placed a request to research to back off all the payments made and start the loan at XXXX and reapply each payment accordingly ; I provided a copy of the check issued for the XX/XX/XXXX payment made payable to the originator of the loan.
As a result of this incorrect " correction '' and the payment to the originator still not reflecting on my loan, it now shows 30 day past due. Although I've made each payment on time, as instructed, provided proof of payments, spent more time on the phone as shown below trying to get someone to resolve, it is now XXXX and still unresolved. I receive collection calls, my XXXX XXXX is incorrect, and the loan showing past due will ultimately adversely affect my XXXX credit score.
Emails to various " assigned '' contacts as DMI to resolve - received ONLY ONE response in all of this : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Phone calls to customer service via my cell : Date Mins XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
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| 10/26/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have a mortgage with Dovenmuehle / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in which I do not live. In XXXX my tenants fell behind in rent by several months, but because of Covid eviction restrictions I could not evict. I called DovenmuehleXXXX in XXXX of XXXX and explained the situation and asked if there were any " programs '' available to me for my situation. They granted me a 3-month forbearance period starting XX/XX/XXXX at the end of which the " skipped '' payments were to be deferred to the end of the loan. Even though I was granted 3 months of forbearance, I skipped only 2 monthly payments at that time. I called DovenmuehleXXXX and explained that I have resumed payments and requested my new amortization/payments schedule. The response was that my account was " still being reviewed '' and that someone would contact me with my options. I explained that I did not understand because we have already decided on this 3-month covid hardship forbearance/deferral, but they simply told me that I was granted an additional 3 month forbearance/deferral period while my account was being reviewed. I continued with one more monthly payment even though they granted me this extension. I called again towards the end of this second 3-month forbearance/deferral period to ask again what my steps were to complete this deferment and requested my new amortization/payment schedule. The response was the same as the first time I called. They simply explained that my account was being reviewed and that someone will contact me with my options even though I explained to them that my option had already been decided, that the " skipped '' payments would be deferred. Their response was again to offer me another 3-month forbearance/deferment period and that someone will contact me with my options. When the 9-month forbearance/deferment period ended I had " skipped '' only 5 monthly payments, but I started to receive past due balance notices. After countless phone calls the deferment was finally granted on XX/XX/XXXX, but the past due notices continued. I called and explained this error, but nobody could fix it. They then requested that I submit a " Loss Mitigation '' application which I submitted. From that point on it has been a constant cycle of phone calls, foreclosure notices, court dates, them requesting more and more documentation ( pay stubs, tax forms, rental agreements, etc. etc. ) They have tacked on {$4100.00} in legal fees and are continuing with the foreclosure. Even though their lawyers sent to me a notice to appear in court ( for the 3rd time ) on XX/XX/XXXX they did not show up and the judge rescheduled the hearing to XX/XX/XXXX. The boiler now needs to be replaced and my tenants are without heat, but I can not replace the {$13000.00} boiler until the foreclosure has been resolved. Because of this my tenants will need to move out, so now I will lose my rental income. Due to Dovenmuehle'sXXXX XXXX processing errors, this investment will be wiped out. I simple 15-minute phone call back in XX/XX/XXXX when I called could have avoided this entire mess. I am now considering filing a lawsuit if this does not get corrected and resolved before I suffer any more losses due to their errors.
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| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I have filed several complaints against Dovenmuhle Mortgage INC who since taking over the account on XXXX have caused me nothing but headache and stress. Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX, IL. presented false document by using the mortgage clause from my mortgage with XXXX XXXX XXXX to convince XXXX XXXX to change the Mortgage Company to Dovenmuehle ( See policy ). The information sent to your office is incorrect. No one wants to do a research. The records sent by XXXX XXXX and all the others have been altered and differs from my records.
In addition, Dovenmuehle Mortgage added XXXX to my mortgage and created an escrow account. The escrow analysis of XXXX shows that I was charged an excess XXXX XXXX taxes even though exempt ) on my mortgage ( see attachment XXXX taxes property is exempt ). When the mortgage was reinstated, I was charged XXXX payments of $ XXXX XXXX in addition to the mortgage ( See analysis for XXXX & statements XXXX ).
I called today, Monday XXXX/XXXX/XXXX and was on the phone for XXXX. I spoke with XXXX in the Customer Service XXXX then transfer to XXXX in the Insurance Dept ( XXXX ) who claimed that there was an outstanding escrow balance of XXXX Both she and XXXX confirmed that XXXX XXXX sent them the check which the XXXX XXXX paid for XXXX I was transferred to Foreclosure Dept-spoke with XXXX then transferred back to customer service and spoke with XXXX, Supervisor who transferred me back to Loss Mitigation who told me to XXXX a letter to the Research Dept ( XXXX ). All the information sent by Dovenmuehle to CFPB has been altered. They are Fraudulent documents. I never got the payments back that were sent to XXXX XXXX XXXX and they were never added to my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They were never applied to the account. I kept complaining. Documents were presented to CFPB that the money for XXXX XXXX ( Returned on XXXX after several complaints ; letter from lawyer demanding the money before it was sent even though XXXX XXXX XXXX XXXX XXXX documents claiming that it was refunded-Outright Fraud ) ; XXXX XXXX
I was charged XXXX for attorney 's fees to reinstate loan after refusing to reinstate the loan in XXXX XXXX even though got reinstatement fee & letter XXXX/XXXX/XXXX XXXX/XXXX/XXXX. Attorney XXXX XXXX as well as XXXX XXXX XXXX gave me the run-a-round causing me to lose wages for the day because neither her office nor XXXX XXXX wanted to accept the check.
Today, XXXX informed me that the escrow balance of XXXX ( after XXXX XXXX sent back the insurance payment for XXXX XXXX is for charges from the loss mitigation department for payouts ( See XXXX Mortgage Interest Form XXXX of the charges in the settlement are overcharges= XXXX ) which none of the above mentioned individual including a supervisor after putting me on hold to read the notes could explain. I had an analysis on my payment and I have put money into the escrow account that was created in XXXX under the guise that Dovenmuehle Mortgage INC purchase the mortgage. NO ONE SHOULD BE EVER PRESSURED OR FINANCIALLY XXXX TO TAKE A LOAN MODIFICATION. WHERE IS THE ENFORCEMENT OR CONSUMER PROTECTION? CAN YOU EXPLAIN THAT TO ME?
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| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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The last year after filing a compliant against our mortgage company for misleading us and never sending us the COVID-19 program information, mortgage representative XXXX XXXX reached out to us on XX/XX/XXXX at XXXX pm, from our understanding XXXX made an error and closed the forbearance. She requested a forbearance reinstatement, she told us to not worry about this until we have a status change in our situation. On XX/XX/XXXX we call XXXX we left a detailed message for a call back due to long wait times. We called again XX/XX/XXXX and left another message. On XX/XX/XXXX approximately XXXX to XXXX am XXXX called us, he explained we where close to going into foreclosure and really the only option was to make a payment to bring it up to date, we started to panic, for some reason requesting a loan modification wasnt really an option. We forgot to ask to speak to XXXX. Thinking we had to come up with XXXX we asked XXXX to call us back after lunch to give my wife and time to think about how to proceed. We asked XXXX for a total payoff amount, he made the request and said it would come via US Mail and that it was quick. We asked him to call us back so we could make a payment after we had time to think. He never called. Fast forward to Monday XX/XX/XXXX and asked for XXXX, the person could not help find XXXX, after explaining everything to her she told us to wait until we got the payoff, then call and make a payment. She said we had been moved to collections, from loss mitigation. I recall say thats a good thing then correct? When the payoff didnt arrive by Friday XX/XX/XXXX, we called back and where told we had been placed in foreclosure!! We could not believe this has happened, we called and called tried and tried to get someone to help us, they didnt send the documents in a timely manner or followed through with promises to call back. We where told we could not make a payment, the rep told us since it hasnt been 24 hour we could request a loan reinstatement so we could make a payment, all this time we believe that a loan modification is off the table. We accessed my 401K to come up with the money! Up to this point nobody bothered to help us keep our home by suggesting modifications or mortgage assists from XXXX XXXX. We immediately sent the reinstate request detailing everything Ive detailed here! We where fully expecting to get reinstated, our house goes up for sale XX/XX/XXXX! We finally reached XXXX XXXX and she has requested a reinstatement. We received a conditional offer that included XXXX for attorney fees! This is not fair, we are willing to pay back every XXXX we owe, thanks to XXXX we have applied for Texas Homeowners Covid-19 relief that would pay the XXXX once approved. ALSO, the application for the Texas Homeowner Relief fund required the date we came out of forbearance, we where not certain so we called XXXX and asked for XXXX, she was unavailable, we then ask the rep on the phone if she could tell us the date our forbearance ended, after some time she came back and said XX/XX/XXXX. I used this on our application, when we spoke to XXXX the following week she said that was not right, she really didnt know exactly when it ended, our best guess is XXXX.
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| 07/01/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Unlawful foreclosed. Dual tracking. Mortgage current at time of sale. Approved for Louisiana HAF grant. I am a veteran of the Louisiana national guard. My mortgage has been delinquent for quite some time I requested for help all of last year they finally got back to me in XXXX and on XX/XX/XXXX I was offered a VA home mortgage modification through loss mitigation. I have all the paperwork where it states my mortgage would be brought current up to XX/XX/XXXX and I could continue with payments under my new modification. The entire months of XXXX XXXX and XXXX I could not get an straight answer as to what this modification was. the servicer kept requesting more documents. ( If already approved why did I need more documents ). So I submitted required documents. Time and time again thru the loan solution center website. I have time and dates of all documents submitted. XX/XX/XXXX I was instructed to keep an watch out in the solution center website for a workout option. This option never came and in fact I was kicked out the system completely for 2weeks in XXXX. I contacted my VA technician and she for me that the servicer was still working on the work out on XX/XX/XXXX Once I got my acct restored I continued to check it for work out option. Never came. I contacted service several times in the months of XXXX XXXX XXXX and XXXX. I never found get a direct answer or pushed off to different departments. Either loss mitigation, special loans, or foreclosure. The foreclosure department said I had to send in a written request for status. Then they would notify me of the status. On XX/XX/XXXX I was approved for the La HAF grant. XX/XX/XXXX I spoke to loss mitigation and informed them of recent documents they submitted and the Louisiana haf grant. ( This was the I heard from lossmit ) The letter stated that they were working with my servicer to obtain a workout. ( I thought I already obtained one ) but the servicer secretly restarted foreclosure process first week in XXXX XXXX and quickly foreclosed and sold my property to them selves on XX/XX/XXXX. I had estimated {$200000.00} in equity in the property. Again I was not notified I was not told a sale date to this day the lender servicer or mortgage company or lawyer have not notified me that my property has been sold and I am still living in the home. I am ready to continue with the proposed workout I was never offered and continue paying my mortgage payments and providing a nice home for my family I just wan na get back to how my life was before the delinquency where I didnt miss payments. These people offered me help and then foreclosed anyways. And Im losing a XXXX XXXX XXXX in equity. Please help me continue to live my life of happiness in my family home. I might add that I tried to make payments two or three times and they would just send my checks back. We spoke with the attorney who was over the foreclosure and they told us that the servicer ( origin bank ) told them we were unresponsive and pushed for immediate foreclosure. The attorney also stated they messed up. Im not asking for any handout I just want to continue to pay my mortgage on time and move on with life. Thanks in advance for your time.
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| 03/21/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I received an FHA backed loan to purchase my house in XXXX 2014 in XXXX. The servicer is XXXX XXXX and the sub-servicer is Dovenmuehle Mortgage Inc. A few months after I moved in to my house, I experienced some changes in my life that I believe I can solve by moving out of my house and renting it out.
I contacted Dovenmuehle several times about this matter. l explained to them that I am no longer working. My wife works, but makes less than what I made and is not enough to support us financially. We have XXXX young children and we can not afford daycare. I looked into help paying for day care through government programs but there is a 6 month waiting period. We also have no family who can help us take care of them. When I attempt to get a job there 's always a conflict with scheduling since someone needs to stay home with the children. My solution to solve my financial problems is to move in with family in Maryland. My family in Maryland has agreed to not only allow us to stay with them until we are financially stable, but also help with child care.
So I began looking for employment there and I applied to transfer universities as I am also a college student. At the same time I requested to rent my house for the reasons I listed above. I know from the contract I signed that with an FHA backed loan I am supposed to live in the house for one year. My first denial letter referred me to that part of the contract. I only made my request because after that part of the contract that states I have to live in the house for a year, it also says, that the lender may waive that one year requirement if there are extenuating circumstances. Why did Dovenmuehle quote the first part of the contract but not the second part?
So I sent in another letter requesting them to reconsider and further explaining my situation. Again they sent me a denial letter, but this time with no explanation. I filed a complaint with the XXXX and they responded to that complaint stating that my loan is owned by the Government National Mortgage Association ( GNMA ) and there may be " possible conflicts '' between GNMA and XXXX XXXX. What does possible conflict mean and why is it not know with certainty? I looked into GNMA and they clearly state on their website that they do not service loans and all decisions regarding loans are left up to the servicer. I believe they are purposely providing me with bad information to force me to drop my request.
I would like to add that the department at Dovenmuehle that deals with these issues do not have email addresses nor do they have phones. The only way to make a request or contact them is through fax or mail. I made a request for them to call me and they told me they would respond to my request within the 30-45 days required by law. It has been over 45 days and they never contacted me.
This has been going on for about 5 months and I have had missed opportunities for employment in XXXX. I have also received numerous loans from family to help in keeping up with payments. Falling behind on payments is the last thing I want to do. I never intended to move out of my house. I had planned to stay in my house and in the area for a long time.
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| 11/13/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Several months ago, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Illinois. Closing was on XXXX XXXX, 2020. Closing included payment to XXXX of {$4100.00} to pre-fill my escrow account for the upcoming property tax ( second payment due XX/XX/XXXX ) and hazard insurance payments ( Due XX/XX/XXXX ). Several weeks later, I received notice that XXXX sold/contracted the servicing of my mortgage to Dovenmuehle, a loan servicer with a rating of 1.7 stars on XXXX. I have made timely payments for my mortgage throughout this endeavor.
On XX/XX/2020 I received a notice from the XXXX County Collector indicating my property taxes were not paid ( see attached ). The amount specified included a ~ {$52.00} penalty the county assesses on each month the taxes are unpaid.
The same day ( XX/XX/XXXX ), I submitted a secured message through the XXXX mortgage portal indicating the error and a request for resolution ( see attached ). I do not have a screenshot but I recall, after posting the message, seeing a warning that secured messages would *not* be checked and I should instead call their service number.
The same day ( XX/XX/XXXX ), I called Dovenmuehle at XXXX and learned they are not available on the weekend.
On Monday ( XX/XX/XXXX ), I called Dovenmuehle at XXXX and was unable to reach an agent in the timeframe I had.
On XX/XX/XXXX, I called XXXX at XXXX and spoke with an agent who forwarded me to Dovenmuehle. The agent indicated my request required escalation and connected me with a supervisor, who indicated they would prioritize the payment and were working on it already. I requested a reference number to help trace my issue in their system. The supervisor indicated they have no such way to trace specific issues and only refer to notes on the loan number. I requested that they cancel my escrow account with them and that I would handle payments to my county and insurer. The supervisor acquiesced but that it would need to be done after they paid, otherwise payment of the penalties might be complicated.
On XX/XX/XXXX, I prepare and mailed a RESPA notice of error ( see attached letter and certified mail receipt and proof of delivery ) to the address on the back of the mortgage statements ( see attached ).
By today, XX/XX/2020, I have not received a response - written or otherwise - from XXXX/Dovenmuehle. I checked my escrow balance and County property tax lookup and saw there was no change. I again called XXXX/Dovenmuehle at XXXX and spoke with a kind agent who indicated they had no ability to 'press a button to pay a property tax ' and that my request required escalation. They also indicated that all property tax payments were done manually. The agent tried to connect me with a supervisor, none of whom answered while we waited. So the agent told me they would connect me to a supervisors voicemail and asked I leave a message. After about 10 seconds of leaving a message, the voicemail cut me off and said I reached the maximum length. The agent, also frustrated, indicated that " its been like this for 2 days : the supervisors wont answer their phones ''.
Today, XX/XX/2020, I am submitting a complaint to the CFPB.
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| 02/12/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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According to your current response letter you said " As such, there is no further consideration concerning regarding another forbearance extension at this time ''.
According to the " COVID-19 Recovery Modification Program '' I am entitled to this type of loan modification.
According to the COVID-19 RECOVERY MODIFICATION TERMS AND CONDITIONS : ( the servicer can't require any additional documentation beyond your attestation. ) COVID-19 Recovery Modification I can't afford the monthly payment amount and needs a loan modification, the servicer must evaluate the borrower for a COVID-19 Recovery Modification. This kind of modification aims to reduce the principal and interest portion of the monthly mortgage payment by at least 25 %. The COVID-19 Recovery Modification is a XXXX modification, and includes a partial claim, also FHA INFO # XXXX XX/XX/2021 In this announcement : FHA Provides Additional COVID-19 Forbearance Extension and COVID-19 Home Equity Conversion Mortgage Extensions Proposed XXXX Loan Modification Policy for COVID-19 Recovery Options Posts on Single Family Housing Drafting Table for Feedback See below for details. FHA Provides Additional COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage Extensions Today, the Federal Housing Administration ( FHA ) published Mortgagee Letter ( ML ) 2021- 24, Extension for COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage ( HECM ) Extensions. This ML provides : Up to six months of COVID-19 Forbearance for borrowers requesting their initial COVID-19 Forbearance on October 1, 2021, through the end of the COVID-19 National Emergency, and an additional six months if the forbearance is exhausted or expires before the end of the COVID-19 National Emergency. This new option is meant to assist those borrowers who may be newly affected financially by the COVID-19 pandemic and may need relief through the end of the National Emergency. An additional six months of forbearance for borrowers who requested their initial COVID-19 Forbearance between XX/XX/2021, and XX/XX/2021. This ML also provides the opportunity for additional periods of COVID-19 HECM Extension for HECMs when the initial request is made on XX/XX/2021, through the end of the COVID-19 National Emergency, and when the initial COVID-19 HECM Extension request was made between XX/XX/2021, and XX/XX/2021. Due to the continuing impacts of the COVID-19 pandemic, particularly the Delta variant XXXX FHA recognizes the need to provide these extension opportunities for the COVID-19 Forbearance and HECM Extension to help those still impacted by the pandemic and who only recently requested assistance or who may need assistance through the end of the COVID-19 National Emergency. The policies regarding COVID-19 Forbearance and COVID-19 HECM Extensions announced today are effective immediately. Mortgagees and other interested stakeholders are encouraged to thoroughly review ML 2021-24. More information can also be found in the Single Family Housing Policy Handbook 4000.1, Section III.A.2.o.i Forbearance for Borrowers Affected by the COVID-19 National Emergency and in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
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| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX, I purchased land which was about a year before building my home on it. Unbeknownst to me, my property taxes were based on only the land even after the house was finished. After living in my home for XXXX years and paying my mortgage, the payment jumped about {$1500.00} per month due to the required extra escrow. My property taxes went from $ XXXX to $ XXXX. So, I was paying for the current year and the next year with my escrow payment which I could not afford. My loan and deed were solely in my name.
In XX/XX/XXXX, I reached out to XXXX XXXX XXXX for a loan modification, submitted a loan modification application, and started their 3-month trial program in XX/XX/XXXX. I made the required payments of {$21000.00} but my loan was not modified. The trial ended in XX/XX/XXXX, and my father passed away that month. I didn't follow up with XXXX XXXX XXXX until XXXX XXXX because that's when they returned my XX/XX/XXXX payment and charged me an insufficient funds fee, but that wasn't the issue. When I called, I was told that I could not get a loan modification because I had a tax lien on my property. After researching, I found that the XXXX had a tax lien attached to my property for a woman with the same name as my mother who lived in a different city. After explaining the issue and getting the XXXX to correct the issue, I followed up with the bank. They would not continue with my loan modification. So, I requested a forbearance to work on lowering my property taxes.
In XX/XX/XXXX, I complete the loan modification paperwork again and started another 3-month trial. I made all XXXX payments of XXXX. The last payment was made before it was due in XXXX. I called to make sure that wouldn't be an issue as I would be traveling for business at the end of the month and didn't want a late payment. I was assured this wouldn't be an issue. XXXX XXXX I call the bank to see the status of my loan modification and was told things were slow, but they had my information. I was told to continue paying the same amount as I was making during the trial period.
XX/XX/XXXX and XX/XX/XXXX go by, and I do not hear anything from XXXX XXXX XXXX about my loan modification. I check the loan servicing center online and they have sent me yet another loan modification application in XX/XX/XXXX. I call the loan modification center and was informed that I didn't make my XX/XX/XXXX payment. Then, they see that it was made in XXXX and apologized for the oversight. I was assured they would take care of the matter and a supervisor would call me. No one has called me. My loan hasn't been modified.
Also, they have not updated my credit report to reflect that I've been making payments over the past few years except during the forbearance. The incorrect reporting is preventing me from refinancing my loan with another bank as I can not seem to get my loan refinanced. I'm also missing an opportunity to take advantage of lower interest rates. In addition to the trial payments, I also made XXXX payments to my escrow account ( {$3700.00} and {$2000.00} ) I do not know what else I can do to get the bank to finalize the loan modification and update my credit history.
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| 08/31/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hello, I filed a complaint a few weeks ago about problems with the servicer of my loan Dovenmuehle. I have tried talking to them and they recently responded to a state agency in Wisconsin and the lender Dovenmuehle is lying to the regulators. They have not mailed these documents to me. I have not submitted any documents to apply for a loan modification as XXXX XXXX the Corporate counsel states. I have an FHA loan that is delinquent and I am trying to get help from the lender to apply for and be considered for loan modification. I have been TRYING to get a loan modification application but Dovenmuehle lies and obstructs the process. I don't know how or why it is happening, but it should not be happening. I have called Dovenmuehle last week to get an update and see if I could get an application to send in the information. The agent told me they were not Dovenmuehle, he said they were XXXX XXXX and then he put me on hold and hung up on me. When I called back the voice mail said they were closed. I called back the next day and was told by an agent that because of the way my file was coded, they could not talk to me, I had to call the foreclosure Attorney XXXX and XXXX at XXXX XXXX XXXX. I called them and told them my name and address and the Attorney said all they could do was give me the reinstatement amount owed, they have nothing to do with loss mitigation or modification applications and he said he would notify Dovenmuehle that I called and that they need to work directly with me. I called Dovenmuehle again yesterday and told the agent I had spoken with the Attorney and she said she would email me the application so that I could apply for a loan modification. She verified my email and said I would receive the paperwork in 24 hours and it would include a loan specific application as well as all of the instructions on the documents needed and how to submit them. It was never received. I called back today to ask them to re-send the application. Again they began the obstruction and denial of access to homeowner assistance programs which they are required to offer on a government loan. The agent said I had to call the Attorney again. I explained that I had already done this and that they have nothing to do with the loss mitigation. I asked for a manager and was told that XXXX Washington was the supervisor and that according to her, Dovenmuehle was not allowed to communicate with me. I then asked for the Dovenmuehle corporate counsel XXXX XXXX who sent the fraudulent letter and lied to your agency. They told me they would no longer speak with me. Something fishy is going on here. I make enough money to afford my mortgage payment but due to XXXX I fell behind. They are REQUIRED to review me for modification then they lie to the state agency and tell them that I recently applied. I can't access their online portal, I am blocked out of it because I am in pre-foreclosure. Maybe they are sending documents to the portal, but I assure you they are not being mailed to my house. This response is not acceptable and your agency should launch an investigation of this company, they are trying to steal my house so that they can cash out
|
| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I am writing today to file a formal, written complaint against Dovenmuehle Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) for collecting tax and insurance funds in an escrow account, and then failing to meet its obligation to obtain the relevant bills and pay them using the funds I have provided in my escrow account.
Specifically, on XXXX XXXX, XXXX, I received a letter ( dated XXXX XXXX, XXXX XXXX from Dovenmuehle Mortgage stating they could not pay the county taxes from my escrow account because they have not received the tax bills. After receiving that letter and investigating, I found that Dovenmuehle DID NOT request the tax bills from the county tax assessor. Once I learned that, I immediately faxed the tax bills to Dovenmuehle on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. After receiving no acknowledgement that Dovenmuehle received the tax bills, I called the company on XXXX XXXX, XXXX, and XXXX, each time asking whether they had received and processed the tax bills. In each phone call I was informed that they " could not find them '' and they haven't been paid, even though I faxed them twice to the number provided XXXX XXXX ) in the XXXX XXXX, XXXX, letter. In my phone call of XXXX XXXX, XXXX, I asked if Dovenmuehle would notify me when the tax bills are paid, and was told " no, we don't do that, we have no way of contacting you. '' I found that line of reasoning very confusing as the company holds my mortgage and clearly knows my physical address, email address, and telephone number. I then asked if, in the future, they would request tax bills from the county, they replied " no, we don't do that. '' When asked if they will notify me when the current taxes have been paid from my escrow account, they again stated, " no, we don't do that. '' My taxes are due to XXXX XXXX, Texas no later than XXXX XXXX, XXXX, and, at this point, I have no way to pay those taxes because Dovenmuehle is holding {$11000.00} in the escrow account and refuses to pay the tax bills, which I have supplied to them twice already.
My escrow account with Dovenmuehle currently has a balance of {$11000.00} that is supposed to be used to pay my taxes XXXX by XX/XX/XXXX ) and insurance. Dovenmuehle, however, is either trying to steal that money or is absolutely incompetent and can't perform a simple task such as paying taxes from the escrow account set up and funded specifically for that purpose.
I simply want Dovenmuehle to either pay the taxes by XX/XX/XXXX or give me back the {$11000.00} in my escrow account.
If Dovenmuehle does not pay my taxes soon, I am going to have to pay the roughly {$8000.00} in taxes out of pocket, and then try to get the escrow funds back from Dovenmuehle.
I have also been informed over the phone that my mortgage is being transferred to another lender as of XXXX XXXX, XXXX, XXXX I had to learn that via a phone call on XXXX XXXX as Dovenmuehle has not provided any written notification about this transfer ). This matter is extremely timely as I will likely be unable to access those escrow funds once the mortgage has been transferred.
Thank you for your time and assistance in this matter.
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| 01/06/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I filed for loss mitigation with XXXX XXXX through my servicer Dovenmuehle. Unfortunately, I am among many in this supposedly excellent Biden economy ( HA ) that has been unemployed for XXXX months. I keep getting job denial after job denial because I am from the mortgage industry. I had to, unfortunately, leave my job due to health issues and reasons created by the workplace.
Boy, it's old-fashioned and unfortunate. I was directed to go to XXXX where uploading information is really not that great nor is it that kind. I have uploaded my documents and this company is making this very hard to even apply for hardship.
Below are the issues : XX/XX/XXXX @ XXXX CST - XXXX XXXX Called to understand the need to be providing additional bank statements when the site asks for 3 months and our cycle ends on the XXXX of the month. I uploaded XXXX months and this is partially completed and, speaking to XXXX she was not aware of what is going on and really couldn't help. I asked to speak with a XXXX or someone else and she explained that they would call me back the same day. No one called.
XX/XX/XXXX @ XXXX CST spoke to XXXX XXXX Requested to speak with a supervisor and she assured me someone would call me. I was told that someone named XXXX would call me but she failed to call me.
XX/XX/XXXX XXXX spoke to XXXX XXXX. This lady seemed as though she was doing something at home or just not flat out helping me. I hung up and called back.
XX/XX/XXXX, XXXX spoke to XXXX. This gentleman was the kindest and most helpful. He even asked many questions that I am not sure what they were for, but the previous agents never asked me about them. I asked XXXX to have a XXXX call me but he helped me out with a few things.
XXXX. I have provided documentation e-signed from XXXX that has a HALO and proof of my signature and email showing where I signed it from. This is being rejected due to not using XXXX. I feel as though this is extremely biased a lazy processor who doesn't want to do their job. If the vendor has a preferred company that is used they need to be providing the consumer the access then. I will continue submitting XXXX through XXXX XXXX. Signed and dated tax returns. There is a XXXX in our mortgage file, as well as, tax transcripts. I have provided the XXXX tax returns already and feel as though we're making someone feel good by having to sign tax returns that is not even required by the GSEs or XXXX. And in the XXXX Appendix Q is not a requirement either.
XXXX. Unemployment Income. This person keeps asking me for a letter from Unemployment when the state of CA does not ever issue an Unemployment letter. This individual could use the bank statements from XXXX # XXXX and see the {$810.00} deposited every XXXX weeks. I have sent them all that I have from CA Unemployment, not my fault I can not give them something without my name. Honestly, I'm asking for hardship if like this processor believes it is not mine, I'm just making my situation worse. Literally, this processor needs to use their brain.
The issue is no one at this horrible servicer Dovenmuehle is helpful and management never returns calls.
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| 05/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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We have applied for refinance our variable home loan to XXXX XXXX. We started the process XX/XX/XXXX. Shortly after we hit a roadblock to get the subordination letter. No one from was returning calls or e-mails. Our Loan Consultant with XXXX Homes send an e-mail to XXXX XXXX, who is the Team Lead XXXX from XXXX XXXX Unit Dovenmuehle Mortgage, Inc. XXXX XXXX XXXX the e-mail to Subordination Proxy with the following request ; Hello, Loan : XXXX Can someone please contact the 3rd party back in regards to the subordination? They are almost running out of time for the rate they are locked in. Please advice.
Thank you, XXXX XXXX Team Lead I Needless to say, no one bothered to respond to the emails.
Our Loan Consultant asked me to keep trying to get a hold of someone from Dovenmuehle. I called customer service several times, but they did not even know who to forward my call finally I was given a phone number and email for XXXX XXXX. I was told he can help me. Well, his voicemail was full and the message was outdated.
Based on the information from the customer service of Dovenmuehle, subordination letter process can take up to 90 days. On XXXX XXXX, XXXX we have received a letter for asking additional 15 days. On XX/XX/XXXX we received this : From : " XXXX XXXX ( Research ) '' XXXX Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : XXXX Subordinator Status Dear XXXX XXXX and XXXX XXXX, This is in response to your message regarding your subordination status. We apologize for the delay in our response. Due to the volume of correspondence received by our office, please note that we answer inquiries in the order in which they are received. If you require immediate assistance, please contact our Customer Service Department at the number provided below.
Please note that because your message was received from an email address we do not have on file, we are sending it to the email address associated with your loan. If you would like to update your contact information, please call our Customer Service Department.
Our Research Department is unable to provide information about the status of your loan at this time. Please continue to reach out to Subordinations at XXXX. We apologize for any inconvenience this may cause.
If you have any further questions or concerns regarding your loan, please feel free to contact our Customer Service Department at XXXX, or you can reply to this message directly.
Sincerely, Research Department.
When we first started in XXXX, we were locked in 3.25, than 3.125 and we ended with 3.55 on XX/XX/XXXX almost 10 months later. We have missed better loans, lost fees for the process and miss the opportunity to pay something else from the mortgage savings. I also have to add that during such horrible year with the furloughs and extremely uncertain financial future, the frustration and the stress Dovenmuehle caused, I had to be prescribed to take XXXX
I dont know what to expect from this, but the treatment we have gotten from this company was not acceptable and someone has to do something. Just check the XXXX reviews for Dovenmuehle and you will understand it is long overdue.
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| 04/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My current mortgage lender is Dovenmuehle Mortgage and for the past year I have an issue with them increasing my mortgage and my escrow being short. I have reached out to several customer service reps as well as management and could not get a clear understanding of what the issue was. Finally I spoke to someone and was told that my homeowners insurance had increase and I was not notified or aware. This occurred XXXX of XXXX, I then took the necessary action and changed insurance companies. At that point, I paid my homeowners insurance directly to XXXX so my homeowners insurance was paid for the rest of XXXX. In XXXX of XXXX, I received my mortgage statement and my mortgage had increased again. I contacted Dovenmuehle again and was told my escrow was short due to them paying my homeowners insurance and property taxes. I pay my mortgage every month on time and they hold my escrow out, so I don't understand why I was short. At that time nobody could tell me about the shortage. I spoke with a manager after I asked about the {$700.00} that was left in my escrow after taxes were paid and I was told then that they had paid my homeowners for XXXX, and at that time I explained what occurred in XXXX and that homeowners insurance was paid. The manager stated that an analysis was never done and that it would be corrected and they would make the necessary changes to escrow. In XXXX of XXXX, I learned that my homeowners insurance increased again causing my mortgage to increase again. I then took the necessary actions and got my insurance decreased. I sent all necessary documents to Dovemuehle to show the decrease in homeowners, I have also been in contact with XXXX who was my first original lender and they have also been working with me to this resolved. Dovenmuehle was sent and received the new updated homeowners amount on XX/XX/XXXX. I was then informed via email and verbally by representatives of Dovenmuehle that the insurance info would be update and corrected for XX/XX/XXXX. It is now XX/XX/XXXX and no changes to my mortgage has not been corrected. I've now talked to a rep in the insurance dept for Dovenmuehle, I've talked to a customer service rep and a manager and was told that the insurance information had been received but no analysis had been done and it should have been done in XXXX. I was guaranteed and assured that they would run the analysis and have the mortgage payments corrected and that all if any late payments would be waived. I was told the analysis would be done XX/XX/XXXX and I could make my mortgage after that date. I checked my statement online XX/XX/XXXX and the XXXX and there has still been no change. This company has been misleading and very unpleasant to deal with. I never am able to get a resolve and no clear information from this company. They never do their job in a timely manner and no one at the company ever seems to do their job and enter information. They don't seem to be working in my best interest and I'm requesting that CFPB please look into this matter as soon as possible. I accept whatever advice you have for me. I look forward to hearing from you in the near future.
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| 07/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We sold our home in late XX/XX/XXXX. We had an escrow balance of {$1400.00}. We received a letter from XXXX XXXX/Dovenmuehle clearly stating the amount of the refund and that they would be issuing it.
Following the sale of our home, we moved our family out of state for a new job. As you can imagine that took up a lot of our time during XXXX and XX/XX/XXXX. In XX/XX/XXXX, I still hadn't received the escrow refund so that's when the phone calls to XXXX/Dovenmuehle started. Between XX/XX/XXXX and XX/XX/XXXX, I've called XXXX/Dovenmuehle at least 7 times with no one providing any clear answers. The most common are, " it's processing '' which it has been since XXXX, or " we're trying to fixture out why it's not able to be delivered, call USPS to see if they can give you any answers '' although they repeated our new address plenty of times and we have our mail routed from our previous address so there's no way it could go end up missing the number of times they have said a check has been sent ( more info on that below ). Moreover, we have the USPS Informed Delivery which tell us exactly which pieces of mail will be in our mailbox that evening and never once has anything from XXXX/Dovenmuehle showed up in the app or in our mailbox. Over this time, I have talked with two supervisors who show zero concern to help in retrieving the funds. My most recent call was yesterday afternoon and the highlights are below : XXXX/Dovenmuehle has stated that the check was initially sent out on XX/XX/XXXX, which we did not receive. On XX/XX/XXXX I placed a call to determine the status of the original check. They stated that since I have not received it and it has not been cashed, that they would re-issue the check. They can not, however, tell me the exact date in which that check went out because it holds the same check number as the one that was sent back on XX/XX/XXXX which is odd to me. If that check with the specific check number went out already, wouldn't they have to re-issue another check with a NEW check number? On XX/XX/XXXX I still had not received the check that was sent on/around XX/XX/XXXX and ANOTHER new check request was made at that time, but again - same story, they can not say difinitively when that check went out because it had the same check number as the last two. I've learned to understand that mail can get lost from time to time, however, three times? That's more than a coincidence, especially since they have our new address so it's not a forwarding problem.
On XX/XX/XXXX I called again to check on the status - this was the first time I spoke with a supervisor. I made a request to have the funds wired to me due to the issue with receiving a check and the amount of time that has already passed. It is " not in their policy '' to do that so that requires approval. As of yesterday, XX/XX/XXXX, my wire request had still not been viewed or approved - so I continue to wait.
I was unemployed for 8 months due to the pandemic and we are looking to buy a house shortly in the future. I am desperately asking for help in retrieving the funds that were in my escrow account with XXXX/Dovenmuehle.
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| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I spoke with my mortgage company, Dovenmuehle, on XX/XX/2020, about my XXXX XXXX XXXX and putting it into forbearance for the immediate future ; since my business is considered Non-Essential in the state of Nevada and is closed until the Governor lifts the ban.
Dovenmuehle indicated they would put my mortgage in forbearance for three months, then they promptly withdrew my mortgage payment ( {$1000.00} ) for the month of XXXX on XX/XX/2020, 9 days after I spoke to them.
When I called and confronted them about that on XX/XX/2020, they indicated it was because my payment was set up for auto-draft and that wasnt turned off on their end, so my payment went through when it didnt need to. I asked for the money back and they said no. I asked for auto draft to be turned off and they obliged. I then asked for 6 months of forbearance because my business will not be back up and running until XXXX and the lady I spoke to said that wasnt an issue.
Last week I received a letter from Dovenmuehle stating the terms of the forbearance. They indicated it was only for 3 months and that after the 3 months there were 3 options for the mortgage, which they, Dovenmuehle would decide upon : 1- Bring the loan current. 2- Work with the XXXXr to obtain another workout plan. 3- Pay the loan in full.
None of these options will help me get through the hardship that I am facing, and they are NOT what the CARES Act stipulates. The CARES Act says that the forbearance period can be 2, 180 day periods and that the options of repayment are to be decided by the borrower, ( me ), not the lender, ( Dovenmuehle ) and that one of the options is that the missed forbearance payment can be added to the end of the loan, extending the loan term ; an option that wasnt given by Dovenmuehle.
I called Dovenmuehle back on XX/XX/2020 and was told that the forbearance is only 3 months and no more and that the 6 months I was told was incorrect, but that they had turned off my auto-pay for 6 months. I was also told they would not honor the CARES Act and extend my loan and that the only options were option 1 and 3, not even option 2. When I called her out on the contradiction she was telling me and what the CARES Act states, she would not listen to me and said that these were all they were offering, so take it or leave it.
When I pressed her on the forbearance that they were offering and told her that in 3 months there was no way I could pay the entire amount of my mortgage loan in one lump sum, i.e. option 3, she was like oh well, too bad. I also made mention that because the forbearance was only 3 months and my auto-pay was turned off for 6 that after the three months, my payments would have not been made, unbeknownst to me, and that at that time they would have foreclosed on my home for non-payment and she pretty much agreed that would have been the outcome! I asked to speak to someone else, a supervisor and she said no, they will tell you the same thing.
I told her to reinstate my mortgage, out of forbearance and to turn my auto-pay back on. I have heard nothing further from them regarding this matter.
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| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I have recently paid an alleged default of {$4600.00} which Dovenmuehle allege I owe them for missed payments - which I have not - I have attached a summary of my contacts with Dovenmuehle over the last year. My wife and I have decided to pay the amount which we can not afford because of worry about what they will do next. I am dismayed at the treatment we have received from Dovenmuehle in the course of the last year when we have been adversely affected by the pandemic. To their benefit they granted a forbearance period to XX/XX/XXXX but since then the quality of their service and management of my loan can only be described as chaotic causing us distress and upset.
Please note the following comment which I delivered to Dovenmuehle by way of the secure messaging service on XX/XX/XXXX there is detailed evidence of numerous contacts with the company within their examine secure messaging system -I fully expect you to be shocked and disappointed at the service they have offered in response. I enclose a summary of the events we have suffered at the hands of the company again I would think that you also will be dismayed.
I am currently in the process of being considered for a Loan Modification Plan concerning my outstanding payments for XX/XX/XXXX, XXXX and XX/XX/XXXX - on phoning the Loss Mitigation Dept on XX/XX/XXXX and speaking to a staff member ID XXXX I have confirmed this request is still pending.
In agreement with their staff member XXXX on XX/XX/XXXX I paid my mortgage payments for XX/XX/XXXX and XX/XX/XXXX - confirmation numbers XXXX ( {$2500.00} ) and XXXX ( {$2200.00} ). I have also recently paid my mortgage payment of {$2200.00} for the XX/XX/XXXX payment.
On XXXX XX/XX/XXXX I received a Notice of Default and Cure Letter from your Collection Dept claiming that I had not paid the above payments - which as I have. I note that this letter is dated the following day XX/XX/XXXX after I spoke to XXXX on XX/XX/XXXX as detailed in the previous paragraph.
On phoning the Collections Department XX/XX/XXXX I was informed that the XXXX and XX/XX/XXXX payments were outstanding but the staff member could see the payments referred to above - it appears that these payments have been allocated to the period which is currently under consideration by the Loan Modification team.
On XX/XX/XXXX the staff member ID - XXXX of the Loan Mitigation Team informed me that I should ignore the Default and Cure Letter as I am protected under the Loan Modification process - I am less than convinced about this protection hence my contact with your organisation. I will continue to pay my monthly mortgage - next payment due XXXX XX/XX/XXXX - but have asked Dovenmuehle to correct their records to show that I have paid XXXX, XXXX & XX/XX/XXXX payments.
Finally, I have repeatedly asked their staff in my various phone calls to lift the suspension of the facility to create an automatic payment schedule but to this date I am still unable to instigate this.
I have lettered Dovenmuehle by registered post this date reflecting the contents of this correspondence to you.
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| 06/28/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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XX/XX/2020 I tried to reach out to Dovenmuehle to request a forbearance when we found out his contract was not going to be honored due to COVID-19 and we would not have enough money to pay XXXX mortgage. Unfortunately, I was hung up on two times. I spent almost 3 hours on hold ( phone records available ). Completed Loan solutions application per Dovenmuehle message prompts. Application was denied because it was an FHA Loan? We have a VA loan.
XX/XX/2020 I called the VA spoke with XXXX XXXX, asking for guidance on how to proceed. He verified our VA mortgage and went over what Dovenmuehle needed to do per the CARES ACT. He also advised us to make a complaint with thXXXX XXXX XXXX XXXX
XX/XX/2020 CFPB complaint # 1 Please see attached XX/XX/2020 I spoke with two customer service agents at Dovenmuehle and explained to them how my income had been affected due to COVID-19 and that servicers must approve the forbearance for the amount and time that the borrower requests. Dovenmuehle has chosen not to adhere to this item of the CARES ACT. The customer service agents were more concerned that I understood that my request was a forbearance not a deferment. I told them I understood the difference of the two words. I read to them the items from the VA regarding that at the end of my forbearance Dovenmuehle must work out a realistic payment arrangement or attach the past due to the end of my mortgage term. I was told that Dovenmuehle had a backlog of paperwork and I would receive the paperwork as soon as Dovenmuehle could get it processed. I did inquire at this statement whether my mortgage would be reported to the credit agencies as late. I presumed that item would be updated with the credit reporting agencies as soon as the paperwork was completed as I had requested the forbearance in XXXX. To date this has not occurred.
XX/XX/2020 Dovenmuehle Mortgage responded to the CFPB complaint # 1 and electronically provided the paperwork for the forbearance. It was incorrect as it stated that we were in default for XXXX XXXX mortgage and provided the forbearance from XXXX, not XXXX.
XX/XX/2020 CFPB complaint # 2 Please see attached Filed another complaint with CFPB for the unsatisfactory response from Dovenmuehle Called XXXX XXXX whose name was listed on the Dovenmuehle response call would not connect XX/XX/2020 Sent hard copy letter to Dovenmuehle requesting paperwork be corrected ( Received by Dovenmuehle on XX/XX/2020, signed for by XXXX XXXX ) XX/XX/2020 Dovenmuehle responded to complaint # 2 that they were amending the forbearance to reflect 180 days but did not respond to the portion to include XX/XX/2020.
Sent another letter to Dovenmuehle requesting corrections XX/XX/2020 Left voicemail for XXXX XXXX at Dovenmuehle Received a letter dated XX/XX/2020, from Dovenmuehle via XXXX none of the terms had been corrected.
We contacted XXXX XXXX, our U.S Representative requesting assistance.
XX/XX/2020 CFPB complaint # 3 Please see attached Requesting for the corrections to be made to the Forbearance Agreement and to stop sending the same paperwork
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| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My wife and I refinanced our Mortgage, and this refinance closed on XX/XX/XXXX. Our previous mortgage was being serviced through Dovenmuehle. We refinanced through XXXX XXXX XXXX and our new loan is now being serviced again through XXXX XXXXDovenmuehle. Now 59 days after the closing of our refinance, we continue to wait for the reimbursement of our escrow account from Dovenmuehle with a balance of {$3400.00}. My understanding is that there is a period of 20 to 30 days in which a loan servicer is required to reimburse any excess escrow balances or any remaining escrow balances after a loan has closed. I have now communicated with Dovenmuehle about this on several occasions. I spoke with them early after the closing of the refinance and was told that the escrow reimbursement would be automatically sent. After not receiving this reimbursement after over a month from refinance closing, I again contacted them on XX/XX/XXXX. At that time, I was told that it had not been sent because they had not received a request for release. The representative told me at that time that they would submit the request and that the reimbursement would be sent within 3 to 5 days. XX/XX/XXXX, I again logged into my account to see that the escrow balance remains at {$3400.00}. I contacted Dovenmuehle for the third time and was told by the representative that her supervisor had informed her that it had not been released because there was a problem with the research department. They stated that they had messaged that department and will need to await response from that department. They recommended that I call back on Friday XX/XX/XXXX to again check on the status of my reimbursement. At that point it would have been nearly 2 months since the close of our refinance and there is no guarantee that the issue will have been resolved by that time. I asked to speak with the supervisor or someone from the research department and I was told that this is not a possibility. I called back that same day and asked to speak with a supervisor ; they forwarded me to a supervisor when I asked for details of the previous conversation so that I could file an accurate report with the Consumer Finance Protection Bureau. At that time, the supervisor said that she was not certain why this had happened but said that she would forward this case to the " acceleration department ''. We were told that we would have our money within a week. Today is a week. We have not received our money and have not heard any updates. My wife and I are in need of this money. It seems that Dovenmeuhle does not have any urgency or concern about this despite seemingly practicing against the law and despite our need for this significant amount of money that they are holding. When borrowers don't pay their loan on time they pay excess fees, continue to pay interest, and are sent to collections. When Dovenmeuhle doesn't return money that they owe to borrowers, they continue to earn interest on this money, likely have customers forget about or give up on this money, and have no consequences for these actions.
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| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am experiencing excessive delays in receiving my disbursements from my mortgage company's loss draft department, as well as delays in setting up property inspections.My home was flooded on XX/XX/XXXX. After my flooding event, my insurance company made two payouts in fulfillment of my claim. The first was an advance payment claim, which I received approximately two weeks after the flood. Since all of my payouts from insurance were made out to both the homeowners and the mortgage company, I was required by my mortgage company's loss draft procedures to allow them to cosign on the check. I sent off my advance payment check to my mortgage company and did not receive my disbursement from the advance payment for approximately 3 weeks. The check was sent off via First Class Mail, so I do not have the exact receipt and delivery dates.Then in XXXX, my insurance company made a final payment towards the claim. I asked my mortgage company what could be done to prevent a similar delay. I was advised to send the check via USPS Priority Mail with a prepaid return envelope for expedited delivery. I was further advised that it would take 5-7 business days of processing time from the loss draft department after receiving the check to send the disbursement back out.My check was sent out via Priority Mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXXIt was received by the loss draft department on XX/XX/XXXX. Inside of this envelope I included a prepaid Priority Mail Envelope. The second envelope had a second tracking number: XXXX XXXX XXXX XXXX XXXX XXXX.I contacted the mortgage company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about the status of my disbursement. Each time I have received a similar response from my mortgage company, that it is scheduled to be mailed out within 24-48 hours.However, as of XX/XX/XXXX, this check has still not been sent out to me (i.e. the tracking information shows that it has not been received by the Postal Service). The mortgage company received the initial check from me 12 business days ago (excluding XXXX and day after), which exceeds their internal guideline of 5-7. In my opinion, this turnaround time is excessive. Until now--and even before I received my advance payment--I have been paying my contractor primarily out of my own pocket for my rebuild. I cannot afford to continue doing this. I need my funds from my insurance claim to continue my rebuild.Also, I asked for assistance setting up a progress inspection on my property (this must be done by the mortgage company), but have not had any success scheduling this either. My concern is that my initial disbursement (33% of the claim total) will be depleted immediately as I pay my contractor for work that he is already owed.My concern is that the progress inspection is taking too long to set up, and the work may already be 90-100% completed by the time an inspector is able to come to my property for inspection. I worry that I will again be delayed receiving my second and third disbursements since the setup of my progress inspection has not been timely.
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| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had issues with Dovenmuehle Mortgage ever since they started servicing my mortgage over XXXX years ago. Previously they have taken money out of my escrow and have not given me a proper accounting for the money in my escrow account. I previously requested a statement of the escrow payments that include all payments that were made from my escrow account. This was over XXXX years ago and I still have not received a response from that. Recently, I had a hardship due to XXXX and had to file bankruptcy and fell behind on my mortgage payments. However, I received help from the Maryland Homeowners Assistance Fund, and I was approved for {$59000.00} which covered most of the money that was owed for my mortgage at the time. The funds was dispersed to Dovenmuehle Mortgage on XX/XX/2023 however, I have been calling for the past month and a half and they were not able to locate the funds. I spoke with someone yesterday and stated they finally located the funds however, I still owed for XXXX months of mortgage and the payment that was applied to my account however, it was still in the closing process. I asked why have I not been contacted to let me know that I am XXXX months behind and why was I not told that every time I called and I was told that they have a lot of loans to process. I requested a reinstatement amount and a statement informing me of what my ongoing payments would be however I have not received a response yet. Every time I speak with someone on the phone they give me another number to call or transfer me to another department and it seems like everyone is clueless to what is going on with my mortgage. I do not want to fall Behind on my mortgage payments again where its too hard for me to catch up. I would like a full accounting of where all the money from the assistance I received from the state went. As of XX/XX/2023, after receiving the assistance on my behalf of {$59000.00} the total amount of periodic payments past due was {$61000.00} in periodic payments, which include principal, interest, taxes and insurance. Dovenmuehle Mortgage is charging {$13000.00} in total fees charged. I would like a full account of all the fees which they are charging {$13000.00}. I still have not received a statement of the total amount owed or what my ongoing payments are. It is hard to get someone on the phone that can give me a clear answer about when I will be receiving a written statement of the breakdown of all the payments and fees that was applied to my loan from the payment from the State and A breakdown of my monthly payment including principal, interest, taxes and insurance. Everyone that I speak to on the phone is very rude and have no knowledge of anything that I ask concerning my morgage and give me the runaround and transfer me to different departments and no one in any department knows how to assist me. I also have witnesses of my telephone conversations with Dovenmuehle Mortgage and their ignorance concerning my mortgage. So, I am filing this complaint to try and resolve the issues I have with Dovenmuehle Mortgage.
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| 01/31/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Got a FHA Mortgage through XXXX XXXX who sold it ( or is having it serviced ) by Dovenmuehle Mortgage. I am having the same issues with this company as everyone else. They are absolutely terrible to deal with. Like the others, they offered me the Covid Hardship Forbearance and it has been an absolute nightmare to just simply resume payments. Nearly 11 months into this. I can't make that up. Yes, 11 months. In XXXX of XXXX they confirmed I could be in Covid Hardship Forbearance. No documentation sent. In XX/XX/XXXX I called to confirm I was still in good standing and on track to resume payments XX/XX/XXXX. The rep said yes and even offered me additional months of forbearance which I denied because I wanted to resume payments on XX/XX/XXXX as scheduled. Literally on XX/XX/XXXX, I got approved for a car loan and they confirmed my mortgage was in good standing. On that very day I get a letter saying my home is in foreclosure for 6 months of past due payments. Not a single letter, a phone call or email. No hits to my credit. My account said no payments due for 6 months. That is when the nightmare began for the past year.
This company is a mess. Some reps say I was in forbearance. Some say I wasn't. Some say I was in foreclosure. Some have said I was never in foreclosure and that is a scare tactic they use. Imagine that. Their own law firm said they have way too many cases from this particular company of this same issue. The loss mitigation department is even worse. Every single time I call, the rep doesn't have an answer, gives me a different answer, or tells me a supervisor will contact me. The supervisor never calls. They give you the name of your account specialist and contact info. You can never speak with that person. They do not exist. This company does not email you or call you. Nothing. They want to leave XXXX paper trails of their continued errors.
I went through loss mitigation for months. All their reps said I was being processed for a partial claim. I get back a loan modification after all of that. I have to start the process again for a partial claim. In XX/XX/XXXX I finally get a letter from them saying I have been approved for the partial claim and the documents for signature would follow. No documents for signature arrive, so I email them saying I accept the partial claim and need the documents for signature. No response per usual. I call them and they say the documents were mailed to the wrong address? How is that possible? Every time we speak they confirm my mailing address. The rep said they do this frequently.
It is now one day away from XX/XX/XXXX, I have called and emailed multiple times and the reps don't know why Dovenmuehle hasn't mailed my partial claim documents yet. This is disgusting. I have never dealt with such a mess of a company that is tangibly harming the lives of its customers.
This is affecting my family, our finances, our health. Clearly we are not the only ones suffering from this company.
We have just wanted to resume payments on our mortgage for a year now! It's that simple.
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| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
|
We closed our loan with CHFA ( Dovenmeuhle ), in XXXX XXXX. We have had the runaround ever since on the escrow refund owed to us of {$3500.00}. I submitted a prior CFPB complaint as to the NUMEROUS conversations during every single month since XXXX. To include XXXX which they failed to mention in their last response. They company claims they have sent several checks but to a XXXX, CO address and we have repeatedly told them that our city is XXXX, Colorado. They know this as we have received our year end tax statement last month mailed to our correct address so why they are supposedly mailing these checks to XXXX, I don't know. We even received a {$54.00} check refund from the second account we had with them. Yet, the larger check has never arrived.
After I filed the last complaint, I contacted Colorado Housing and Finance Authority ( CHFA ), who is serviced by Dovenmeuhle and a Senior Finance Officer there has worked diligently to get our refund to us. She made arrangements with Dovenmeuhle to have the funds direct deposited in to our bank account, in which they responded to the last CFPB complaint that they did that. That was a blatant lie. We have not received our escrow refund. Conversations with Dovenmeuhle since that time continues to say they again mailed out another check to us. Frustrated, we again wanted to verify the mailing address they are sending it to, and again, they state they mailed it to a XXXX address instead of XXXX. We have continually asked to have the mailing address corrected but they say they can not update it because it is an archived account. Why is an account that has not fully been closed out of all transactions be archived. They still owe us money on that account. The CHFA officer that has worked with me, XXXX, also provided them with our correct address. Again, we received our year end tax statement at the correct address, but not the money owed to us.
Every time I have called, they ALWAYS " transfer '' me to a supervisor whose mailbox is full or I do leave a message and have NEVER been contacted by anyone from Dovenmeuhle. We are approaching 120 days since our account was paid off and are about to take legal action, contact the State Attorney General, as well as contact the media if we do not have our funds by the 120 day mark. I am a XXXX veteran with XXXX XXXX and the amount of stress and anxiety this has caused me and my family is unreal.
There are literally HUNDREDS of complaints here on the CFPB regarding this same exact scenario of people not able to get their money owed to them from Dovenmeuhle. This is 100 % a legitimate issue that the CFPB needs to look in to because this company is NOT returning money owed to their customers. This is clearly a class action issue. I don't think a simple response from the company on this, then closing the case is sufficient. There is something illegal going on with that company for consumers to not ever be able to get their money back. I HIGHLY encourage others to take their business elsewhere as this has been a complete nightmare.
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| 11/13/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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We experienced financial hardships during the XXXX Pandemic in XXXX resulting in us falling behind in our monthly mortgage payments. When contacting our mortgage servicer at that time we were told that all we would need to do for the XXXX hardship would be to contact them when we were able to resume our monthly payments.
We contacted our Mortgage Servicer XXXX XXXX XXXX XXXX XXXX who partners with Dovenmuehle in XX/XX/XXXX to explore options for bringing our account current. We were initially not evaluated for any sort of XXXX Payment Plans or XXXX Modifications and were presented with a traditional Loan Modification as our only option. After starting that process in good faith, we were informed that this was not our only option as had been initially explained to us and were sent a packet to fill out. Our packet was filled out and returned in XX/XX/XXXX. We continued to work with Dovenmuehle regarding this for the next 12 months and were finally sent a payment deferral agreement dated XX/XX/XXXX - stating that the terms of the agreement were that as of XX/XX/XXXX our balance would be brought current, our past due amount would be deferred to the maturation date of the loan, and any late charges would be waived.
The loan was never brought current, our statements continue to say that we are behind the full amount going back to XXXX when the XXXX pandemic started, and we continue to be blocked from making payment on our mortgage save the option of mailing in a certified check to Dovenmuehle. During this entire period starting XX/XX/XXXX we have continued to contact Dovenmuehle 's loss mitigation department to attempt to resolve this. We have been mislead on when our account would finally be brought current. We have been told we would get calls back from supervisors which don't happen. We have been told that we need to fill out another packet and sign papers, then the next time we call we get told that no packet is needed and all we have to do is verbally agree to the terms. We get told that this process will be completed in a week, or in a month, or in XXXX business days. We call back at the end of the promised time period and get told that it's still in underwriting, or that it wasn't submitted correctly, or that they simply don't know where we are at in this process. We get told that we need to call in and make payments through loss mitigation, then we get told the next time that we call the only option we have is to send a certified check. We've been told that money orders will work, then we get told that money orders won't work.
Most recently we contacted Dovenmuehle 's Loss Mitigations department on XX/XX/XXXX and were told that everything was with the underwriters and that this would all finally be resolved in 14 days. We called back again 14 days later, on XX/XX/XXXX and were told that this was still not completed and that we would need to call back again in 14 days to see if this was completed.
Now today, XX/XX/XXXX our mortgage has also been flagged on our credit reports as being delinquent.
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| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My credit report is still showing that theres a missed payment during while I was on forbearance plan. I just spoke with XXXX and they said your research department has not submitted any documentation to correct and remove the negative reporting on my credit. My credit score is still affected and has decreased significantly, which is causing issues when Im trying to make purchases. Please see the attached XXXX credit report that is still showing the negative remark and missed payment for XXXX and XXXX. I spoke with a representative from your loss mitigation department last week and it was confirmed that all the payments during the forbearance plan should have been deferred to the end of the loan by now and I made a payment for this month in XXXX to get back on track and current.
This has been going on for too long now and its becoming very stressful to deal with this issue. Can someone from this company please take some ownership of this problem and get it fixed. This is causing emotional, mental and financial issue in my life and its very upsetting. I have already filed a dispute with XXXX and I will be filing another complaint to the Consumer Financial Protection Bureau.
Initial complaint submitted on XX/XX/2022 : I was instructed by the loss mitigation department to email the research department to investigate the status of my loan account. I received a letter on XX/XX/2022 for a payment deferral agreement, which indicates that XXXX payments will be deferred due to the Covid19 hardship forbearance plan that I was approved for in XX/XX/2022. In this case, 5 payments would cover the months of XXXX, XXXX, XXXX, XXXX and XXXX. However, my account was reported 90 days past due and showed up on my XXXX and XXXX credit report. Consumers that are in forbearance plan should not have any negative remarks or late charges/fees on their credit report, per the Covid19 hardship forbearance plan guidelines. I have never missed a payment or had any negative remarks on my credit, so this really upsets me. My credit score has decreased significantly as a result of this reporting.
I have attached a screenshot of my credit report from XXXX and XXXX, as well as the payment deferral agreement letter and emails that I have sent to XXXX, for your reference to the investigation. I would also like to request that phone recordings from the conversations that I have had with multiple representatives from the loss mitigation department are reviewed to help with this investigation.
As a result of this investigation, I expect to have this negative remark removed from my credit report and receive communication from your department through email, phone call or letter, confirming that this action was taken. This entire experience working with your company has been a nightmare and caused tremendous stress and hardship for me, both financially and emotionally. I have already filed a complaint to the Consumer Financial Protection Bureau and will proceed with legal action if the investigation is not corrected on my credit report.
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| 08/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my house in XX/XX/XXXX of last year ( XX/XX/XXXX). My mortgage company is Dovenmuele Mortgage ( IL ). My homeowner 's insurance was up for renewal and I have an escrow which should be paying insurance and taxes. I received my regular notification from my insurance company advising me that they had billed my escrow. I received this on XX/XX/XXXX. On XX/XX/XXXX ( 9 days overdue ), I received a letter from Dovenmuele Mortgage stating, ''Our records show that your homeowners insurance has expired. We do not have evidence that you have obtained new coverage ... '' I contacted them the same day. They advised that they never received an invoice so they never paid it. I asked why they would send me a letter stating they WERE AWARE my policy expired, yet didnt reach out to my insurance company. They told me that they cant reach out to the company. I then asked why they didnt call me or try to reach me in a more timely manner. They said that they only pay the policy when they receive an invoice, and its not policy to investigate when they dont receive an invoice.
So, they know that theres a problem, yet they refuse to reach out to anyone to fix it. They also told me that they service millions of mortgages and dont have time to ensure that everything is getting paid. I had to call my insurance company directly to facilitate a new invoice being rushed to Dovenmuele. I also requested once they wrote the check that it be overnighted. I called back the next week. They advised me that they had mailed the check but not overnighted it. My insurance company kept confirming for me that they had not received it. As of XX/XX/XXXX, the policy had still not been paid. They then made me wait an additional 5 days to research the check before they would cancel it, reissue another check and overnight it.
I was forced to call my insurance company and pay my policy via a credit card. At the point I paid ( XX/XX/XXXX ), my policy had been in cancellation for 38 days ( in the middle of hurricane season ). I was told by my agent as well as people at my insurance company that I had no coverage until it was paid. They told me, Its a gray area.
Now, all I want to do is close my escrow and handle my insurance and taxes myself. I just want to avoid this happening in the future, since my policy conveniently renews in the middle of hurricane season. Dovenmuele advised me that due to their policy, they cant close my escrow because I havent been with them for two years. They told me I can dispute it and request and exception but they told me it most likely wouldnt be possible. They gave me an email address for the research department. They told me that this department does not accept phone calls. I have reached out to this company numerous times in the past via email and never got a response.
I would appreciate any help in this manner. Dovenmuele has been unresponsive and unwilling to help me with any of the problems or concerns I have had in the past and I dont expect different this time.
Thanks, Sincerely, XXXX XXXX
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| 02/04/2017 |
No |
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- Loan modification,collection,foreclosure
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Web |
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My boyfriend left me back in XX/XX/XXXX. I was full-time employed at the time, but fighting to keep my job due a discrimanation case against my employer. My account was XXXX payments beyond during that time, and my lender refused to accept any of my payments. I tried making a total of XXXX full payments every XXXX weeks, and each time the payments were returned back to my checking account. I spoke to a rep and they advised that if I did not make XXXX out of the XXXX payments, the loan would be foreclosed on. So I attempted to take the money out of my XXXX. I received the check to cover the XXXX payments, and I called the lender to workout arrangements for a XXXX time. They agreed to give me the options to gradually get caught up,, and advised that the first payment would need to be around XXXX to start the plan. I said ok, I have the funds, just waiting on the money to clear. XXXX days later I called back to make the payment, but to find out, the account was sent to Foreclosure and that XXXX was needed to bring the account current. In XX/XX/XXXX I completed the loss mitigation packages. I was hoping for some relief, but then I was denied. They claimed I 've already received help from a company called XXXX in XX/XX/2016, and that my debit to income ration indicted, that I would still be struggling to make payments after a repayment plan. It also stated that because I was still working, I was not eligible for any assistance. So in order for them to help me. I would need to be jobless. ( Stupid right? ) In XX/XX/XXXX, I lost my job and re appealed.
Finally, I was offere a forbearance plan at XXXX a month, for the next XXXX months. In the meantime, I 've received a lump some of money to bring the account current and was told by XXXX, a XXXX at Dovenmule. That If I did that, He would bring my account current and give me the option to gradually get caught up on the attorney fee 's. I called back to set up the arrangement with him. But he song a different tune, and told me to call the attorney, their was nothing he could do .Working with this company has only proven to me that they really do n't care about helping the consumers save their home .I feel like I 'm being forced to lose my home and its really sad to go through this. Also, I 've received a total of XXXX reinstatement letters from the attorney, and the first XXXX letters, the attorney fees were XXXX. When I requested the XXXX XXXX, the fee 's jumped up to XXXX on top of my delinquent amount .Which their stating I now have to pay XXXX to bring the account out of foreclosure. When I should be around {$7800.00}. I 'm not sure why there charging me extra fee 's, when the loan is suppose to be on hold due to the Modification process.
I cant win! I suffer from XXXX. I need your help.
I would like my loan brought current and out of foreclosure. I would like a mod if possible with a fresh start. Or all the attorney fee 's waived and given the opportunity to bring my account current without the fee 's
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| 08/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I submit this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) and request your assistance in stopping an action whose effect is to trigger unnecessary foreclosure on our home. Dovenmuehle Mortgage Company is the mortgage servicer. Our mortgage account is in current status, but Dovenmuehle has completely mishandled its responsibility as a servicer regarding our ad valorem taxes.
In a correspondence dated XX/XX/XXXX, XXXX notified us of a new required monthly mortgage payment of {$3300.00}. Our regular payment of {$1200.00} has been in force since XX/XX/XXXX. The increased payment is the result of Dovenmuehles demand that we pay a cushion for our ad valorem taxes despite our having an existing binding payment agreement with tax authorities, as described below.
I have called the mortgage company almost daily to get this resolved. I have received no response or reassurance that they are doing anything to rectify this situation. My calls to XXXX XXXX representatives not answered satisfactorily.
Due to Dovenmuehles failure to respond or act in correcting this error, the increased amount was paid on time on XX/XX/XXXX, depleting our savings. The substantially higher payment creates a catastrophic situation for my wife and I, especially the prospect of losing our home as senior citizens.
Contrary to lender escrow action to pay off our XXXX property taxes with XXXX XXXX XXXX office, we werent in breach of our tax obligation. We had entered into a legally binding agreement ( see attached ) with XXXX XXXX on XX/XX/XXXX before XXXX sent its tax payment. The payment plan is for monthly installments of {$310.00}, 3 payments of which have already been made.
The outbreak of the pandemic, the COVID-19 national shutdown and an initial miscommunication with the tax office precluded efforts to reach a payment agreement in XXXX. XXXX was duly informed about our efforts in a phone call placed at XXXX XXXX on XX/XX/XXXX. XXXX, the Dovenmuehle representative, assured me that a note would be entered into our files, accordingly.
On XX/XX/XXXX, XXXX XXXX XXXX tax office, upon written request from us, undertook to return the {$9500.00} pre-emptively paid by XXXX. It has already reversed the transaction on their books and initiated the process to make full refund to XXXX.
The XXXX XXXX tax office follows strict criteria in granting property tax payment agreement which in our case, stipulated the full payment of XXXX taxes when due in XX/XX/XXXX. As a result of FCCU interference, the ability to take advantage of stretched-out payments for the XXXX liability has been jeopardized.
I am a 65 year-old unemployed African-American man in a single-income household with my wife also attaining the same age in XXXX. As part of our commitment to discharge fully the XXXX property taxes on time, we were going to earmark my very first Social Security retirement benefit expected on XX/XX/XXXX along with future receipts into a separate escrow account at the tax office.
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| 05/12/2023 |
Yes |
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- Trouble during payment process
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Web |
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This complaint stems from the complete inadequacy of Dovenmuehle Mortgage Inc. servicer for XXXX XXXX XXXX. This issue has arisen due the fact of an approved forbearance agreement with suspended mo. payments of {$0.00} from XX/XX/XXXX through XX/XX/XXXX. This was due to the impact of Co-Vid19 hardship. In my paperwork it states that in accordance with the Federal CARES Act the status of the account at the start of the forbearance would be preserved throughout the forbearance period. That if your account was delinquent at the time the forbearance began it would continue in delinquency status that existed at the start of the of the forbearance throughout the forbearance period. If, however, the account is brought to current it would be reported as current throughout the forbearance period. In a letter date XX/XX/XXXX Dovenmuehle required a default payment of {$1800.00} on or before XX/XX/XXXX. I then worked in conjunction with XXXX CARES mortgage relief program through XXXX XXXX XXXX to have the default cured in the proper time. I was under forbearance from XXXX through XXXX XXXX. I began making payments again and no longer had a need to be under forbearance. However, although I'd begun to make payments through loss mitigation as I'd no longer received a payment booklet and only had past due statements, they continued to have me under forbearance status through XXXX XXXX. I then received a letter dated XX/XX/XXXX stating a recent review of my account showed funds were received for payment due XX/XX/XXXX and that the amount of {$59.00} was posted to the account as unapplied funds and was not applied as a mortgage payment. However, I have receipts of mortgage payments made at XXXX bank branches for amounts of {$900.00} on XX/XX/XXXX XXXX {$910.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. When I disputed the letter from XX/XX/XXXX I received no answer as to the application of my funds from this company. I also disputed the fact finding by this company which increases my monthly mortgage payment by about {$400.00} a month to XXXX for a proposed escrow shortage amount of XXXX. In the XXXX plus years I've had my mortgage loan never has an ALP gone up by such an astronomical amount. When reaching out to this company, which in my opinion is not a very well run or organized entity, I've received nothing in the way of validation of the debt they have accrued to my account. In a letter dated XX/XX/XXXX they sent its stated ; Thank you for for your latest payment of {$1000.00} however your full monthly payment is {$1200.00}. On your behalf WE HAVE TAKEN funds from the escrow portion of your payment in the amount of {$160.00}. Please remit funds of XXXX to replenish your escrow account. Is this legal? For them to manipulate my payments without ANY CONSENT. To do such and then provide me with nothing in the way of validation except harassing phone calls asking for further payments to manipulate. I would like some accountability on their behalf please.
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| 04/12/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX SENT ME THESE TICKET NUMBERS AND XXXX # THEY ACKNOWLEDGED THAT THEY SHOWED MY PAYMENT WERE RIGHT BUT THE CREDIT REPORT COMPANY SHOWED LATE. THESE NUMBERS WERE SENT TO ALL THREE CREDIT AGENCIES TO CORRECT PROPBLEM.
DOVENMUELER MORTGAGE SHOWES MY PAYMENTS ON THIER SYSTEM BUT WANT ME TO SUBMIT THEM IN WRITING. I HAVE OVER THE DOVENMUELHER DISPUTE PORTAL AND CHATED My credit report shows I have been late since the forbearance in XXXX till this year XXXX shows my late 30 days. No one will refinance my XXXX Dovenmuehle check credit they will not touch me on a refinance.
If you believe incorrect information has been reported to the credit bureaus for your loan, you may submit a written dispute to our Research Department at one of the following : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax Number : XXXX Email : XXXX Please include your loan number on your inquiry. In addition, please enclose a copy of a credit report that reflects the disputed information, and all relevant supporting documentation that is available to you. This information will disappear when this chat has ended. As such, you may wish to copy anything you would like to reference in the future.
Thank you for waiting. Our records indicate we analyzed your escrow account on XX/XX/XXXX, At the time of the analysis you had an escrow balance of {$2900.00}, when {$3500.00} was required. As such a shortage of {$6500.00} was determined.
This shortage is a result of an increase in your county taxes. As such, we increased the monthly collection amount for county taxes from {$400.00} to {$420.00} Additionally, your home insurance has increased. As such, we have increased the monthly collection amount for home insurance from {$130.00} to {$160.00} These changes result in an increase of {$56.00} to the monthly collection for your escrowed items.
Additionally, we spread the shortage over 12 months, adding {$540.00} to your monthly payments to assure the proper amount is collected for future disbursements. This shortage spread, combined with the increase of {$56.00} to your escrowed items, results in a total increase of {$600.00} to your monthly payments. Your monthly payment amount has been updated to $ XXXX, effective with the XX/XX/XXXX payment. Your new payment breakdown is as follows : Principal and Interest : $ XXXX County Tax Payment : {$420.00} Hazard Insurance Payment : {$160.00} Shortage Payment : $ XXXX Total Monthly Payment : {$1700.00} This does not fix my late payment on my credit score, I made my payments as per my Mortgage Statement the amount said was paid XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. All of these payments have been marked late.
I paid as they said after forbearance in XX/XX/XXXX. They should have not reported as late. Thank XXXX XXXX WORKING WITH XXXX CREDIT REPORTING AGENCIES.
Escrow Inquiry ( Ticket # XXXX ) ( XXXX $ XXXX ) Authorization Request ( Ticket # XXXX ) ( XXXX XXXX XXXX ) Inbox
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| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Starting XX/XX/2020 we contacted XXXX XXXX XXXX by phone in regards to having the private mortgage insurance ( PMI ) cancelled on our mortgage. They were extremely helpful and conveyed that Dovenmuehle was the company contracted to administer this program. On XX/XX/2020 we received a letter with information on how to proceed with this process. Included in this information from Dovenmuehle was a Fannie Mae " Borrower-Initiated MI Termination Evaluation Results '' sheet. On this sheet was listed a Property " As Is '' Value amount ( AVM ) for our property as of XX/XX/2020. This amount was listed as {$260000.00}.
This is where the complaint starts, not with XXXX XXXX XXXX, but with Dovenmuehle. The AVM listed was the determining factor in proceeding. On XX/XX/2020 we sent our letter to Dovenmuehle along with our check for {$470.00} for BPO/Appraisal fees. An appraisal of our property was performed on XX/XX/2020. We received a letter dated XX/XX/2020 indicating our appraisal came in at {$240000.00} which did not meet their requirements. I contacted Dovenmuehle by phone questioning why the XXXX and appraisal were so different. No one could give me an answer and I was told they would start an order to the Special Loans Department and they would contact me. After two months we received a letter on XXXX XXXX, about appealing our appraisal. Detailed information on our property and information on three comparable properties was needed and must be returned within 30 days. We sent the requested information to Dovenmuehle Escrow Department on XX/XX/2020. After no communication from Dovenmuehle for six weeks I contacted them by phone on XX/XX/2020. The agent I talked with this time said that they had not received the requested information. I of course questioned this and after some time on hold she informed me that the packet of information ( over 20 pages ) had been located but no action had been taken. She started another new order and told me a review would be completed by XX/XX/2020 and we would be notified via mail shortly after that date. After receiving nothing from Dovenmuehle, I called today XX/XX/2020, the first agent checked my file and told me that no review was done due to the fact that the requested information was not received by their deadline and I would have to request another appraisal and resubmit the information. I immediately asked to speak with a Supervisor or Manager! The Supervisor reviewed my file and at first repeated the information and deadline debacle. She then checked again and did in fact acknowledge that the packet had been in Dovenmuehle possession since XXXX. She then said the only thing she could do was start another new order with special notations that the information was in fact timely. She the stated that it would be XX/XX/2020 before the review would be completed and we would be notified via mail of the results. She also said I could call back after the XXXX for a verbal response.
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| 05/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, we sent a written request to remove PMI from mortgage XXXX. This conventional loan is serviced by Dovenmuehle Mortgage , INC . In our letter, we specifically requested that the seasoning period be waived due to the extensive and substantial improvements we have made to the property in accordance with the written policy provided by their company for this procedure. The improvements were listed in the letter requesting removal of PMI and were verified during the property inspection by the Inspector who conducted the appraisal.
On XX/XX/XXXX, the appraiser, paid for by us and selected by the mortgage holder, went through our home for hours, taking pictures of all rooms and all angles of the inside and the outside of the house. The new appraised valued our home at {$530000.00}. Dovenmuehle Mortgage has a copy of this document as they forwarded it to us. The appraised value at the time of purchase in XX/XX/XXXX was {$400000.00} and the original purchase price was {$380000.00}. The payoff balance is about {$360000.00}.
On XX/XX/XXXX, the mortgage holder declined the removal of the PMI based on LTV ratio using the original appraised value of the home ( {$380000.00} ), not the most recent appraised value ( {$530000.00} ). We feel that this was an error on their part. Current LTV ratio of our home using the new appraised value is under 70 %. According to their own policy, they should have dropped the PMI at that time.
We spoke by telephone with a representative of their company on three separate occasion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this matter, and each time we were assured that they were aware of the new, assessed value of the home and that there was a clerical error on their part that prevented the correct decision from being made. We were also told that a representative of their company would file an appeal on our behalf, since the error was admittedly theirs. They also told me on each occasion that we would receive a written response from them in 10 days. The last deadline was XX/XX/XXXX. That date has long passed with no information, no contact and no response from the mortgage holder.
We sent a written request to appeal their decision via certified mail 10 days ago but have not had any response to that request either. We also requested reimbursement for all PMI money we have paid to you since XX/XX/XXXX. We are unable to contact this company by email and they do not have a direct dial phone number that we can find. All correspondence must be via USPS, which only adds delay to an already cumbersome process.
I have copies of all letters that have been sent to them, a copy of the new appraisal and the written policy that they sent me detailing the PMI removal process. I also have a written letter from them ( the only written correspondence we have from them ) with the incorrect appraisal amount listed as the reason for denial. I can supply all of these on request.
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| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX employs accounting and money management processes that are designed to confuse their customers and allow them to collect late fees because of their own bad record keeping and antiquated systems.
On XX/XX/XXXX I emailed Douvenmuehle an inquiry about a {$1500.00} partial payment for XX/XX/XXXX payment that cleared my checking account on XX/XX/XXXX. Because I am paid twice a month I have to split my {$2300.00} payments to survive. However, the payment was nowhere reflected on my account through the online portal they grant access to and even after making the rest of the payment for XX/XX/XXXX my account still showed outstanding I received notices that I was late, even though I had made payments in excess of the minimum.
Only after I called into the customer service center ( waiting on hold for at least 15 minutes ) and writing to the loan company I did my refinance through did I finally have a manager call me. Then 20 days later received a response to my email with a message that completely contradicted what the manager had told me and followed up in a letter.
It turns out that when early payments are submitted, they create a " suspense '' account that the money is extracted from your account and placed into ( that I was unable to see and never informed of until I called and inquired ), and the only way money would be extracted from the " suspense '' account was for the customer to call in and ask to have the payment taken out and applied. But without being informed it was there or even seeing it reflected on my account how is a customer supposed to even know the account is there. And why are taking money from an account without authorization to do so.
The servicer claims they have the inability ( it seems more like an unwillingness ) to allow consumers to make multiple payments on their loan within the same month. This has been shown to reduce compounded interest and expedite payoff, but also is just good service because the payments are large and need to be broken up.
The issue came up again in XX/XX/XXXX when my XX/XX/XXXX payments were n't applied, even after the manager said he added a note to my account. This time, if I had not identified it and called to complain they could have jeopardized my homeowner 's insurance policy. Since the insurance payment is factored into the escrow, not having sufficient funds could impact payment going out.
Then when payments are applied they are n't even on the actual dates they 're received. in one case in was weeks past the date it cleared my account.
Not only do they have the potential to ruin your credit, they end up stressing you out over something that should be granting you reassurance. I 've asked if some other lender, even the lender for my other property, could just buy the loan from this company because I hate this experience. It 's been a horrific experience that I have never dealt with in over 3 decades of paying creditors.
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| 05/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, Dovenmuehle Mortgage Inc took over as the servicer of our mortgage.
In XX/XX/XXXX, the Analysis of the upcoming tax year was performed on the Escrow Account for our mortgage loan. Due to a " glitch '' in the system ( as described by the Customer Service Representative on XX/XX/XXXX ), the monthly Escrow Payments increased from {$120.00} to {$1000.00}. The increase in the Escrow payment would take effect on the XX/XX/XXXX payment. In midXXXX, there was another Analysis performed and it was determined that a glitch occurred in Dovenmuehle 's computer system and increased the monthly Escrow payment in error.
We are told that due to regulatory requirements, reverting the monthly Escrow payment amount back to the original amount can not take place until XX/XX/XXXX and once the account is current. At this point, the total mortgage payment due for XXXX and XXXX is a total of {$3200.00} ( {$1600.00} per month, of which {$1000.00} per month would be allocated to the Escrow account ), which is {$1800.00} greater than what it would have been if there had been no computer " glitch ''. We are told that we must pay this higher amount for XXXX and XXXX, and then we would receive a check the following month refunding the surplus in the Escrow account.
At this point, we were informed that your company would not accept anything but a full payment of {$1600.00} for XXXX and XXXX each. We do not have extra funds to pay this erroneous amount, regardless if we will be repaid the " surplus '' at a later date. It is unacceptable that we as consumers are adversely impacted due to a computer " glitch '' on Dovenmuehle 's part.
Additionally, Dovenmuehle did not pay our XXXX XXXX tax payment from our Escrow account ( which had sufficient funds ), which was due by XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle was informed by the XXXX XXXX XXXX that the taxes had not been paid and there would be a late fee. Dovenmuehle paid the late tax amount in XX/XX/XXXX. There is still an outstanding amount of {$75.00} for the late fee, which caused the tax collector to place a lien on my property. Dovenmuehle also reported a late payment for XXXX to the credit bureaus in the amount of {$780.00}. We have never owed Dovenmuehle this amount.
Our previous servicer did not properly allocate excess funds we paid when we were late making mortgage payments to the late fee incurred, but rather allocated the excess to the Principal balance. As such, we now " owe '' {$560.00} in late fees when we have overpaid our mortgage by {$600.00}. Dovenmuehle has taken over these late payments, therefore they need to properly reallocate the {$560.00} from the Principal balance to the late fees.
Each time we contact our actual lender, XXXX XXXX XXXX ( in New Hampshire ), they refer us back to Dovenmuehle without hearing our complaint. At this point, XXXX XXXX XXXX is not properly managing their third party relationship with Dovenmuehle either.
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| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XX/XX/XXXX i refinanced with Dovenmuehle/XXXXXXXX XXXX XXXX around XX/XX/XXXX i had a roommate move out over night owing me XXXX XXXX dollars so i contact acted my mortgage company to ask them XXXX there was a temporary program to assist me for maybe 4 months if not less they informed me that there was such a program and advised me to fill out the documents that they would send me so i filled them out sent them back and waited 2 weeks before contacting my servicer and was then informed to not make any payments until the loan modification was complete at that point i was current with my loan and was informed that it would not effect my loan or credit rating in XXXX of XXXX i was sent documents for a trial modification for XXXX XXXX and XXXX of XXXX and my payments would be XXXX so i contacted them and asked how this was assisting me when my original payment was XXXX they said ok that I needed to fill out another form which i did and again I received a trial modification for XXXX a month this was for XX/XX/XXXX XXXX and XXXX XXXX so i agreed and made the 1stand 2nd payment i tried to make the 3rd payment they said I had been put in a forbearance and when it was done I would pick back up with the trial modification so the last month of the forbearance I contacted my server and asked when i should start my trial modification payments and they then informed me that my trial modification had been cancelled and that i had to fill out the same documents to start all over again so i did and when the trial modification started for the 3rd time it was filed in the XXXX XXXX XXXX XXXX and when I was on my second payment I was informed that my house was going up for sale the next day so I contacted a law firm XXXX XXXX and retained them they made me go file bankruptcy to stop the sale of my house so XXXX worked with my servicer and in XXXX of XXXX I started my XXXX trial modification it went from XXXX to XXXX and XXXX of XXXX the modification paper came to me the XXXX of XX/XX/XXXX stating starting XX/XX/XXXX I was to pay XXXX a month and that all the missed payment would be added to the end of my loan and my loan would be extended so every month from XXXX of XXXX I made my payments so in XXXX of XXXX I was contacted by a refinance co and started the process of refinancing only to find out that they had added nearly XXXX dollars to my loan and reported me as late for all the months they had me waiting for modifications so I contacted my servicer and asked them to fix the error they refused i sent evidence to all 3 credit company and asked them to fix the errors so my servicer comes back and says they will mark me current from XXXX of XXXX to XXXX of XXXX and no data available back to XXXX of XXXX when my original trial modification started my servicer has lied to me and the new lender i am attempting to go thru i have all the evidence to prove every thing I've said in this statement i just need help
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| 02/17/2018 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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Request I am writing to request that the late payments reported by Dovenmuehle be removed from my credit report and to highlight Dovenmuehles poor processes and behavior that ( 1 ) led to the missed payment report and ( 2 ) prevented me from resolving the issue with Dovenmuehle itself.
Summary Dovenmuehle failed to properly notify me that they cancelled my online recurring payments. Instead, I was notified of a payment issue for the first time on XX/XX/18 by XXXX XXXX because Dovenmuehle reported my account as delinquent to the credit bureaus.
Dovenmuehle claims they mailed me a letter stating my accounts were delinquent. I did not receive that letter. Dovenmuehle did not notify me that they ceased recurring payments by phone or email.
I immediately called Dovenmuehle to resolve the payment and credit report issue. I was repeatedly harassed, intimidated, and threatened by Dovenmuehle agents as I tried to do so.
Attempts to Resolve Issues with Dovenmuehle Attempt 1 : Phone Call with Collections Agent, XXXX, Saturday, XX/XX/18, XXXXXXXX XXXX CST, 10 minutes.
During this conversation I was told that I couldnt resolve the missed payment and credit report issue together until Monday. I stated that I would wait until Monday to resolve both issues together. The agent then stated that if I didnt make the payment with him immediately he would report that I made no promise to make the payment in the future.
I believed he was trying to scare me by threatening me with legal action/foreclosure if I did not pay immediately. I subsequently asked him if our conversation was recorded so that I would have proof that I did not say that. After this question the agent stated that he was changing his report.
Attempt 2 : Phone Call with Customer Service Supervisor, XXXX, Monday, XX/XX/18, XXXXXXXX XXXX CST, 25 minutes.
I was told that Dovenmuehle would not resolve my credit report issue unless I mailed them a letter. The representative stated the issue could not be addressed by phone, by email, through the website, or any transparent processes.
Dovenmuehle could give me no guidance on what the letter needed to prove, what the timeline was, who would oversee it, or any information that made me believe the letter would be considered. Instead, their lack of transparency led me to believe this was an attempt to ignore my concerns.
Attempt 3 : Phone Call with Customer Service Supervisor, XXXX, Tuesday, XX/XX/18, XXXX XXXX CST, 21 minutes.
I explained during this conversation that if the company would not make me a promise to address this situation with the credit bureaus that I would dispute the claim with all credit bureaus and file complaints to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The supervisor subsequently told me that my complaint would be forwarded to a senior manager and that I would get a response to the credit bureau situation within 48 hours. No one followed up.
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| 01/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I sent the letter to my service mortgage company below addressing my complaint about my credit reporting and misinformation of their loss mitigation department when I first reported my COVID related unemployment and requested a mortgage forebearance on XX/XX/XXXX and XX/XX/XXXX and was told for almost two months I needed to submit more information and rewrite my hardship letter. Fast Forward XX/XX/XXXX after I called almost daily and even ill with XXXX and unemployed had to go to XXXX XXXX and make copies and scan applications, bank statements and required 300 page tax forms. The only representative knowledgeable enough to tell me that I did not need to send in any paperwork because my request is XXXX protected, told me they will submit it correctly and that my forbearance will start XX/XX/XXXX and they dont have a way to back date even though I reported my request due assistance to begin with in XX/XX/XXXX was XXXX related. Please see my attach Loss Mitigation Application dictating that my unemployment is due to XXXX related and other illnesses which day completely ignored. All I wanted was for them to report my account current that I am in forbearance and if at all possible allow the forbearance to start XXXX since I reported it on XX/XX/XXXX and XX/XX/XXXX and every day in XXXX, but no one was able to help me. I am still unemployed and still suffering from XXXX side effects. Please read the letter below. This is the exact letter I sent to my mortgage servicer which they said they cant do anything and I still have to pay XXXX and XXXX. Even though I told him that I dont have a job and dont qualify for unemployment I am struggling to even put food on the table so please help and escalating this complaint.
See letter I sent on XX/XX/XXXX to my mortgage services below : To whom it may concern Please look at the very bottom email stamped in dated XX/XX/2022 requesting on the hardship letter a Covid forbearance related resulting in unemployment. I have been misinformed by the Loss Mitigation department the very first time I sent in my request and it shouldve been coded as Covid related forbearance and that the forbearance shouldve started in XXXX. Now I am moving into 90 days in arrears when it couldve been prevented if the right questions were asked and the right application were put in place for XXXX related unemployment ; these were also uploaded to my portal please resubmit the credit reporting to reflect forbearance starting in XXXX and remove the 30 to 60 days late. I would appreciate a phone call back, and I would formally acknowledge the complaint I fell this morning regarding miss information from the initial agent that took my call when I applied for help. Had it not been for the young man who took my call today I would still be waiting and will be in deep trouble. Even though my request is XXXX related.
I will be waiting for a call XXXX Thank you, XXXX XXXX
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| 01/31/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I have suffered a financial hardship due to the COVID-19 emergency ; ( the servicer can't require any additional documentation beyond your attestation. ) COVID-19 Recovery Modification I can't afford the monthly payment amount and needs a loan modification, the servicer must evaluate the borrower for a COVID-19 Recovery Modification. This kind of modification aims to reduce the principal and interest portion of the monthly mortgage payment by at least 25 %. The COVID-19 Recovery Modification is a 360-month modification, and includes a partial claim, also FHA INFO # XXXX XX/XX/2021 In this announcement : FHA Provides Additional COVID-19 Forbearance Extension and COVID-19 Home Equity Conversion Mortgage Extensions Proposed 40-Year Loan Modification Policy for COVID-19 Recovery Options Posts on Single Family Housing Drafting Table for Feedback See below for details.
FHA Provides Additional COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage Extensions Today, the Federal Housing Administration ( FHA ) published Mortgagee Letter ( ML ) XXXX XXXX, Extension for COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage ( HECM ) Extensions.
This ML provides : Up to six months of COVID-19 Forbearance for borrowers requesting their initial COVID-19 Forbearance on XX/XX/2021, through the end of the COVID-19 National Emergency, and an additional six months if the forbearance is exhausted or expires before the end of the COVID-19 National Emergency.
This new option is meant to assist those borrowers who may be newly affected financially by the COVID-19 pandemic and may need relief through the end of the National Emergency.
An additional six months of forbearance for borrowers who requested their initial COVID-19 Forbearance between XX/XX/2021, and XX/XX/2021.
This ML also provides the opportunity for additional periods of COVID-19 HECM Extension for HECMs when the initial request is made on XX/XX/2021, through the end of the COVID-19 National Emergency, and when the initial COVID-19 HECM Extension request was made between XX/XX/2021, and XX/XX/2021.
Due to the continuing impacts of the COVID-19 pandemic, particularly the Delta variant XXXX FHA recognizes the need to provide these extension opportunities for the COVID-19 Forbearance and HECM Extension to help those still impacted by the pandemic and who only recently requested assistance or who may need assistance through the end of the COVID-19 National Emergency.
The policies regarding COVID-19 Forbearance and COVID-19 HECM Extensions announced today are effective immediately. Mortgagees and other interested stakeholders are encouraged to thoroughly review XXXX XXXX.
More information can also be found in the Single Family Housing Policy Handbook XXXX, Section III.A.2.o.i Forbearance for Borrowers Affected by the COVID-19 National Emergency and in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
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| 04/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am having a new issue where XXXX keeps not answering this new problem that I have with them. This is completely brand new and there is a lot of miscommunication. The payment for XX/XX/XXXX was done and the payment is not being as reported for that month. This absolutely has nothing to do with XXXX and XXXX being reported on time or a late payment. It has to do with the fact that this payment needs to be updated as paid on time for the month of XXXX. I am not staying or complaining that the payment is late. My complaint is that XXXX is not reporting XXXX as paid to XXXX. The current report is no payment has been made which is incorrect.
I contacted on XX/XX/XXXX asking XXXX to fix the way they are reporting the XX/XX/XXXX payment ( see attachment ). It is currently reporting as no data, which is incorrect. XXXX XXXX participates in the Illinois Hardest hit program. The HHF Homeowner Emergency Loan Program ( HELP ) provides mortgage assistance to homeowners who have experienced at least a 15 % income reduction due to a qualifying hardship event.
As you can clearly see from the hardest hit document a payment of {$6500.00} was made on XX/XX/XXXX, which confirms that the payment for XXXX was made. On XX/XX/XXXX I sent XXXX an email asking you to correct the problem. I also sent them a follow up email on XXXX XXXX.
I also went to the corporate office 4 times and spoke with XXXX XXXX who referred me to XXXX XXXX the compliance officer. I called Mr. XXXX three times so I could have this problem resolved over the span of two weeks. To date, he has ignored my calls and not responded to. I find this very inappropriate because the corporate office on XXXX specifically directed me to this individual to resolve the problem I am complaining about today.
Today I got a letter from XXXX saying my claim was resolved. However, the resolution they made has nothing to do with what I have been asking them to do. It refers to late reporting for XXXX and XXXX in XXXX. I have informed XXXX in person, via email, and over the phone that they have not corrected this problem. I am reporting them also to the consumer finance because I am paying them a lot of money and when I ask them to resolve a problem they don't listen. Again XXXX is reporting no data, which is incorrect. It should be reported as paid for the month of XXXX.
There should be a green dot on the credit report for the month of XXXX. Currently the month is being reported as no payment made. When I contact XXXX there response is " we contacted the data furnisher and the listed account was verified as accurate. The results of the reinvestigation were forwarded to you on XX/XX/XXXX. '' Its important that XXXX fixes this because the interest rate on my insurance is a 4.999 % and the interest rate has significantly went down significantly and this error is affecting my ability to refinance and get a better rate.
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| 01/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time.
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made.
I did make another call to XXXX XXXX XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes.
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.
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| 11/13/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Date : XXXX RE : Ongoing Service and Erroneous Accounting / Escrow Issue, Dovenmuehle Mortgageon Read below completely and carefully.
To whom it may concern, SEE 6 ATTACHED FILES. GOVERN YOURSELF RESPONSIBLY. LEGAL ACTION WILL FOLLOW IF NOT CORRECTED IMMEDIATELY. There is no more patience on our end and no more room for further delay on your end. You must act ASAP.
Your customer service is terrible! I have tried three consecutive days to speak with a supervisor and get hung up on while trying to transfer. In addition to the terrible service, I would like to try and straighten my account out or I will be forced to move to another mortgage company.
If you look at the record, I have had a mortgage for the last seven years and have always paid my loan on time.
About a year and a half ago, I looked at one of my statements where it contained a forced placed policy. This policy was erroneously placed on my account because we had existing coverage and never had a lapse in coverage.
It took us many months and over five attempts to have the escrow department take off the forced place policy. ( see 6 file attachments ) Meanwhile, I continued to make my payment on time each month.
Unfortunately, because of the forced placed policies my account looked like we were short in excess of {$9000.00}. For many months we struggled to get the insurance escrow department to take off the force placed policy and refund us the money.
They did remove the forced place policy in XX/XX/XXXX, but instead of refunding the money back to us or using the money to apply to any outstanding payments they refunded the money back to escrow.
In XX/XX/XXXX our bill system missed one payment that we have since sent in.
We have paid every monthly payment that was due Amazingly, the last time I was able to speak with a customer service rep she said we were in the forbearance program and the payments were not being applied. She said, she would terminate the forbearance program.
1 ) I do not remember requesting to be in the forbearance program and would like documentation that I signed something requesting this?
2 ) The XX/XX/XXXX statement says that we have an overdue payment of {$9300.00} which we know is not correct. You are holding {$8000.00} in escrow that was returned because of the error of you force placing the policy. If you subtract the {$8000.00} from the {$9300.00} the actual shortage is {$1200.00}. This shortage number needs to be reflected on my statement.
I just received a Mortgage notice from a new servicer XXXX that lists {$3800.00} which is incorrect. My Mortgage should be {$2200.00} I will await your response within 10 days. If I do not hear back, I will be forced to pursue legally.
I am available to discuss any questions or concerns you may have.
Please govern yourself accordingly.
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| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2020 Dovenmuehle I started the process of recasting my mortgage with Dovenmuehle Mortgage Company XX/XX/2020. They sent a letter with instructions and I complied. XX/XX/2020 they sent me a package to sign and have notarized. The fee for the recast was {$300.00}. They also charged a fee for an escrow fund of {$300.00}, which I do not have. The special loans department that handles this does not take phone calls or respond to emails. I can not contact the special loans department to fix these issues. No one can help me. It appears they are refusing to return the error they made of {$300.00} in their favor. I have contacted Dovenmuehle many times. They have a bull pen that you contact meaning each time I contact them I get a new rep so I have to start over with the issue each time. I always ask for a manager and get transferred to a manager and again I have to repeat the issue and they can not resolve it. Two times when I was on hold with the manager while they were trying to get information and they lost my call they did not try to contact me, I had to contact them again each time and start over with a new rep. I was told they were not allowed to contact a customer if a call was lost. They say they are sending the money for the error to me but, I never get an email, phone call, letter or the money regarding this. I was also told when I sent the money to put on my mortgage it would go to the special loans department. I have not signed any paperwork at this point. I found they put the money on my mortgage without my consent. They have not corrected the figures and did not send disclosures of fees etc. At this point I can not get any pertinent information.
XX/XX/2020, They supposedly fixed the issue with the escrow fee. But now they claim I sent in a payment on XX/XX/XXXX and the bank returned the check. This did not happen. Here is the sequence of payments this year.
I sent in regular payments on time of {$1100.00} on time XXXX, XXXX, XXXX. I recast my loan in XX/XX/2020. I sent in 2 payments of ; {$57000.00} and {$91000.00} totaling {$140000.00}. {$140000.00} went to the loan, {$300.00} was for the recast fee and {$1100.00} was for a payment.
So I was a head on payments one month and I sent in payment for another month that covers XXXX and XXXX.
Then I sent in payments XXXX and XXXX. There are no bad checks or returned checks. All payments were sent in properly. Yet they still want another fee of {$300.00} that they can not explain. They are the worse company I have dealt with. They will not let me talk to the loan department. They have made a simple recast a nightmare.. If I do not the unaccounted fee of {$300.00} they will hit my credit and send to debt collectors or worse.
I can not change who services my loan.
All of the above is completely unacceptable
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| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am beyond frustrated with the complete lack of accountability and communication on the part of XXXX in the handling of my escrow account/property tax bills. I have been given no reason to believe that they are capable of appropriately managing my account and have no faith that they will follow through with their commitments in a timely and/or accurate manner due to my experience in attempting to work with them. Details below : XX/XX/2022 - XXXX received notice from the township that the winter property tax bill had not been payed on our property.
XX/XX/XXXX- I reached out to our mortgage servicer, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, via phone to enquire further. The representative requested that I send a copy of the notice/tax bill to their customer service email address and that it would take two days for them to receive the message ( for an email? ) after which a representative would be reaching out to me with an update.
XX/XX/XXXX- I sent a Notice of Error via email to their customer service email address ( XXXX ) including a copy of the notice of delinquency and the updated property tax bill with late fees. I specifically requested that they contact me with any questions and notify me immediately of any updates.
WEEK OF XX/XX/XXXX- I called customer service again to follow-up on the issue as I had not received any communication and did not see any indication of a payment being issued in the online account information. I was told that they had received the documentation and were working on a resolution and the payment would be issued to the township shortly.
XX/XX/XXXX- I received notice that the township had passed the tax bill over to the county for collection and additional fees had been assessed.
XX/XX/XXXX- I again called customer service and was assured that they were working on the issue and they asked that I submit a copy of the new notice/bill from the county. I immediately sent these documents via email to the specified customer service address and again requested that they keep me apprised of any updates.
XX/XX/XXXX - In absence of any communication I once again reached out to customer service via phone on XX/XX/XXXX and was told that a work order was pending and that the bill should be paid on XX/XX/XXXX.
XX/XX/XXXX - I finally received communication initiated by XXXX in the form of a letter that simply stating their appreciation for bringing a non-descript issue to their attention and their assurances that they were working on a resolution.
XX/XX/XXXX - I again called the customer service line to confirm that the payment had been issued and was told that there was now another work order for payment with a scheduled completion date of XX/XX/XXXX that did not include any specifics concerning the amount to be paid.
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| 03/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.
I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.
My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.
I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.
My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.
Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.
In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.
As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.
On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.
My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.
However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.
In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.
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| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently noticed that our credit had been negatively impacted by 160 points. I contacted On XXXX XXXX ( mortgagee ) and they have told me that this was processed by Dovenmuehle ( On XXXX XXXX loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by Dovenmuehle. At one point, a manager from Dovenmuehle told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On XXXX XXXX contact Dovenmuehle and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via XXXX on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by Dovenmuehle on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to COVID. Since Dovenmuehle has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, Dovenmuehle has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by Dovenmuehle on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during COVID-19, I do not believe that a negative credit impact of 160 points is warranted in this situation. I understand that a mortgage is considered late one day after the due date. Therefore, I'm fine if Dovenmuehle wants to charge me a late fee since technically my payment wasn't received by Dovenmuehle until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by Dovenmuehle. Thank you for your consideration. Regards, XXXX XXXX
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| 10/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Due to a COVID hardship, I requested a deferment on my mortgage. This began XXXX of XXXX. I was notified by XXXX XXXX XXXX Dovenmuele Mortgage XXXX XXXX of XXXX that my deferment had expired and I needed to begin making payments. Which I did at the end of XX/XX/XXXX. They stated that once I made three payments in a row, they would send me a partial claim packet that I would need to fill out, have notarized, and once they received my packet, they would reinstatement my loan. They stated that HUD would pay half of my arrears and the remainder would be added to the end of my loan.
I expected this packet in XXXX of XXXX but it has yet to come. Since then, Ive been in constant contact with XXXX XXXX XXXXDovenmuehle XXXX asking for the status of my reinstatement/ partial claim packet and I can not seem to get a straight answer. I keep getting different responses such as, I do see you are approved for a partial claim, you should be getting a packet anytime. And I dont see anything in my system. I will escalate your case to management and someone will get back to you. I am now calling everyday and no one is helping me. Ive been in touch with FHA for help and they mentioned they are going to investigate the matter but they were told that the packet has been sent to me, so FHA closed my complaint. Still no packet has arrived and its been a month and a half now since my contact with FHA.
I am getting certified letters from The Wolf Firm notifying me that I am now in foreclosure even though I have been making my payments since XXXX of XXXX. I can not even get a straight answer as to where my XXXX payments are being applied and where the money actually is. Some XXXX XXXX agents have told me that I am 26 months behind but its been 28 months currently since my deferment started but it has not been 26 months that I have not made a payment.
Recently, an agent finally provided me with an email for Loss Mitigation so Ive been emailing my requests to them to no avail. I have never received a response.
Im getting letters, occasionally from Right start ( duplicates ) on the same exact day or letters that are dated months ago and Im just now getting them.
I am getting harassed by tele-marketers wanting to capitalize on my foreclosure. They are even contacting my kids and family using scare tactics. I am not sleeping, I am stressed and sick.
I cant even focus on my work.
I need someone to help me please. I am doing everything I can to remedy this situation and I have been making payments. I will be homeless soon if this doesnt get situated. I am not running away or hiding. Ive been facing this and have been taking days off from work to be on the phone for days at a time and it shouldnt have to be this way. I would greatly appreciate your help.
Thank you,
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| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage performed an escrow analysis dated XX/XX/2021 with incorrect information. As a result my annual property taxes were increased from {$7700.00} to {$9600.00} with no documentation to support the increase in property taxes. In turn my monthly mortgage payment went up nearly $ XXXX/month A letter from Dovenmuehle was received on XX/XX/2021, 3 weeks after it was initially performed. There was no notification through their online servicing portal that any changes were being made to the loan, taxes, or payment.
Upon receiving the escrow analysis on XX/XX/2021 I immediately reached out to Dovenmuehle with the contact information provided on the letter received. I was instructed to send an email to " XXXX with my loan number in the subject line and attn tax department '' with any information regarding the errors.
An email was sent on XX/XX/2021 with an official city tax bill, 24 month chain of title, initial escrow account disclosure statement, and tax record information sheet from closing. All 4 documents have the correct tax information, tax parcel number, and legal description. After sending in the corresponding documentation I was told that the tax discrepancy would be resolved by XX/XX/2021.
On XX/XX/2021 my regular scheduled mortgage payment was made with the overcharged amount of {$2100.00}, when normally {$1900.00} is min payment.
I followed up on XX/XX/2021 via phone using the same number that was provided on the analysis statement. The information was still incorrect and at this point a separate case was opened up for the same issue with a further deadline date of XX/XX/2021. I was given no information on why my original request was not completed and why now a new request was opened in lieu of my original. i can only assume that Dovenmuehle missed their deadline and are now creating a new request to extend the already passed deadline to protect themselves On XX/XX/2021 I received an email from XXXX XXXX " XXXX '' with '' XXXX XXXX XXXX '' cc 'd on the email. indicating XXXX would be my main point of contact and he is the resolution specialist handing my tax issue.
XXXX XXXX is telling me that following up could be hindering the process of getting my tax information corrected. To me as a consumer this response comes off retaliatory all because I am trying to stop being overcharged for my annual taxes and monthly mortgage payment.
I have followed up multiple times and there has been no movement with my issue, it has been nearly 60 days since the incorrect escrow analysis has been performed. 30 days since all the documentation to correct was sent to Dovenmuehle Mortgage. As a result Dovenmuehle is systematically overcharging me on my mortgage nearly {$160.00} with no accountability or timetable to correct.
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| 02/10/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are engaging in fraud and a scam on me and the VA. I have been trying for close to one year to have them review my documentation for a loss mitigation option. The VA has options available, but every step of the way they obstruct, lie, misplace information and repeatedly request information that has already been sent. I have been submitting my paperwork via email so there is a digital trail to back up my claims ( attached ). I call in to see what documents are needed for review and they tell me and I send them. They gave me a list in mid XXXX, claiming they never received my signed tax returns ( i sent them in XXXX ) so I sent them again. They also wanted the 2023 VA award letter and a one year profit and loss and the XXXX bank statement. All were sent. I have called in three different times to check on the status of my file. Each time the agent has told me that they can see the documents in the system -- -but each time they tell me that the underwriter is still saying the file is incomplete and asking for the same paperwork again. I have sent the same paperwork multiple times to them in this situation, but nothing changes. When I ask to speak to a supervisor there is never one available. The agent verifies that the paperwork was received and they can see it, but nothing changes. I called in today to follow up on the paperwork that I sent late XXXX. I was told last week there were no notes when I called and that the file was dormant even though all documents were received. When I called today I was told there were notes from XX/XX/XXXX stating that I was still missing the documents that I sent on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. These same documents were again verified to be present by the agent I spoke with.
I believe that Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are intentionally putting up road blocks to obstruct veterans from access to programs they are required to provide. This is fraud and I am working with my Congressman and the VA to launch an investigation into this company. I have the resources to make my mortgage payment, I just need a path forward to deal with the missed payments during the pandemic. they are required to work with me and provide a path forward but this has gone on for close to a year. it is NOT a coincidence. Dovenmuehle is not qualified to service government loans and your office needs to investigate their business and servicing practices. I served my country proudly and when my career dried up due to Covid I started my own XXXX and now am back on my feet. It is horrifying that this company would treat me like this and I am now suffering health complications as I fall further and further behind because of their lies, fraud and incompence. PLEASE HELP
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| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Filed claim with our Insurance company for wind damage on roof, received Insurance draft.Tried getting insurance draft endorsed thru Dovenmuehle who is servicing our mortgage from XXXX XXXX XXXX XXXX. Unable to reach person assigned XX/XX/XXXX. Spoke to someone who said they were answering XXXX 's phone. Said endorse, send in, they would endorse and send back even though email said over {$10000.00} they would keep 10 %. I overnighted to Dovenmuehle. Attempted to contact XXXX twice XX/XX/XXXX phone just rang, no voice mail option. Tried again XX/XX/XXXX was able to leave voice message. Never received return call. Called XXXX XXXX XXXX directly. XXXX XXXX got XXXX to return my call XX/XX/XXXX XXXX stated they had a 5 day turn around and that they had to wait until our check cleared before they could send us a check for 90 %. This is incorrect as I overnighted them an insurance draft, not a check. Drafts do not clear like checks. The letter I overnighted with the draft explained that our roof was going to be replaced this week. We needed the money to pay the roofer. I included a prepaid return overnight envelope. Time was of the essence.
I emailed Dovenmuehle again XX/XX/XXXX told them if a check was not overnighted to me so that I received it by XX/XX/XXXX I would file this complaint. I also left voice message with XXXX XXXX Monday morning. She had XXXX call me XX/XX/XXXX she said she would print the check, but it would take overnight processing. Seems XXXX should have ordered on Friday and it could have been mailed Monday. I received a call from XXXX XX/XX/XXXX stating she overnighted the check. I received an email with the tracking number, but did not receive the check today nor does the tracking number pull up on the United States Postal site. They have had our Insurance draft since WednesdayXX/XX/XXXX XXXX XXXX. I have postal record to prove it. If they are going to keep our funds for a week and then keep an additional 10 % they owe us interest. They are holding thousands of dollars without paying interest, and consumers have a very hard time contacting them. They use stall tactics to hold the money longer. XX/XX/XXXX I was also told they ordered a home inspection to verify our roof has been replaced and someone would contact us within 48 hours to schedule an appointment. I was not contacted untilXX/XX/XXXXby XXXX XXXX and told someone would contact us in 48 hours to schedule an appointment. Again, not what Dovenmuehle told us. Our shingles were delivered XX/XX/XXXX, and our roof torn off, and completely replaced by XX/XX/XXXX. We have paid thousands of dollars in interest over the life of our mortgage. Why do they not have to pay us interest if they are going to hold our funds? This needs to change.
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| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good morning, I had to increase my Insurance coverage, so I had an additional premium that was due outside of my yearly premium. Originally when I received the bill, I noticed it had the wrong Mortgagee clause still ( my loan was sold from XXXX XXXX to Dovenmuehle. ) I faxed the bill to Dovenmuehle and called on XX/XX/XXXX. They stated with the bill being due on the XXXX, it wasn't enough time to pay out of my escrow account ( which I understood. ) I called my agent and explained the clause was wrong and I was going to pay out of pocket. They updated my policy and with this update, they faxed the bill to Dovenmuehle and changed the due date to XX/XX/XXXX. I called Dovenmuehle back to explain that I was going to let the bill be paid out of escrow, since it was enough time. They stated they'd do this.
I called back on XX/XX/XXXX to check the status. At this point, the bill has been sent to the company 2-3 times by myself and my agent. The person I spoke with said she received the bill, she even told me the premium amount so I knew she had the bill in front of her. I confirmed that I wanted it paid out of escrows and she stated it would be paid.
I spoke to my Insurance agent on XXXX to see if they received the payment, they state they haven't.
Fast forward to today, XX/XX/XXXX- the bill is due. I call Dovenmuehle to check to ensure payment went out. The agent states that the bill was received but no one on their end had opened up an order to issue the payment on the account. I ask why, and he states the agent I spoke with on XX/XX/XXXX " messed up ''. I ask what can be done, but he states very little with the payment being due today. They can overnight, but it would still be late. I ask how this can happen when I specifically asked them to pay it and he keeps saying sorry but that it was Dovenmuehle 's fault. He explains premiums outside of the yearly payment aren't always paid, but I state, again, that I spoke to several people to ensure this payment is processed. I stated to the agent I spoke with today that I authorization this payment through my escrow agent. Two agents advised me on separate occasions that the payment will be made out of my escrows. According to the agent, I did everything correct by stating this payment was to be made. Dovenmuehle is at fault for not paying my premium like me ( the customer ) requested -- several times.
I am now in the situation to pay my premium out of pocket today due to the neglect of Dovenmuehle Mortgage. Mistakes happen, but this needs to be addressed. It needs to be corrected by the company because they are clearly and admittedly, at fault. My escrow account is set up to handle these payments so I don't need to budget for Insurance and taxes out of pocket.
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| 04/08/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got PCS orders elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area.
We were in forbearance last year due to the XXXX pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises.
We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard.
We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. The default was finally cleared in early XXXX ( XXXX ) after they admitted it was a mistake on their end and that we should have never been in default and we were told our application for loan remodification was processing, it would take a couple weeks. We never had to fill out anything for this supposed application. On XXXX we were told the underwriters needed a month.
We called back on XXXX and were told there was another technical issue and that emails were sent out. We verified the email on file and confirmed nothing was ever sent our way, proving that the company just tells lies to avoid helping their consumers. We spent an hour on hold today and made the representative send the email while on the line, and magically it came in. It turned out to be an applicationfor loan remodification - something we were told was already started back in XXXX. Then we were told the underwriters would need another month after receiving this application. That will put us in XXXX, 5 months of trying to get out of forbearance and making on time payments. This is beyond unacceptable.
We are tired of the lies from this company. We have tried, tirelessly for 5 months, to modify our loan and be out of forbearance. We have been lied to several times. We have been ignored. We have had our calls dropped by incompetent reps who dont WANT to help. This is now our second formal complaint. We want the company to end our forbearance and to modify this loan asap. We should never have had to wait 5 months and been left as an after thought with this process. It is despicable.
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| 02/12/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is the second time I have applied for forbearance under the Cares act and the representative with whom I spent over half an hour in the phone with provided incorrect information or simply did not do their job. This is fraudulent.
I called on XX/XX/XXXX and asked to extend my forbearance. I was told it was being processed. Unfortunately, their website is not up to date and its impossible to check if the work that Dovenmuehle says theyre doing is actually getting done.
On XX/XX/XXXX I got a letter that my mortgage was past due. I called on XX/XX/XXXX and was advised the XX/XX/XXXX call I made resulted in nothing be done by Dovenmuehle. This representative advised that I shouldnt have applied for the extension until XX/XX/XXXX. I asked if that was something me as a consumer was expected to know or if I should have been advised by Dovenmuele. She apologized and said the representative should have reached out when he saw his error, but she could see that he did not. She stated she would submit the paperwork and I should call the following week to check up. I also asked her to reach me directly if there were any issues. She did not.
I called again on XX/XX/XXXX and the representative state they are unable to see the status of my request and I need to call back later.
She also advised Im not eligible for forbearance because I had HelpNM pay some of the loan ( this is false informationanother complainthese employees of Dovenmuehle routinely overstep their bounds, providing false information, meanwhile the tasks that they should be doing simply do not get done ).
The employee I spoke to on XX/XX/XXXX advised me I would have to pay everything back the day the loan exits forbearance and that if you get approved for payments through HelpNM that is a grant not a loan and you have to pay it back to the state. Both of these pieces of information are 100 % but providing customers with accurate information doesnt seem to be part of the job description at Dovenmuehle .
Today i got a letter that I now owe on XX/XX/XXXX an amount t over {$150.00} more than my loan was before forbearance. Their math is all wrong and Im saving this document should I take them to court but Im sure they will lie again.
I tried logging in to see updated status as it has now been almost two and a half months since my initial request was submitted but apparently 2.5 months isnt enough time For them to update their online system. I ask : if it takes several months to update ( in fact my Forbearance from XX/XX/XXXX is not updated so 10 months isnt enough ) Their service reps lie and dont do their job. These calls are recorded and if CPFB chooses to do nothing I will look into a class action suit against Dovenmuele.
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| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment.
They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late.
However, the payment was reported late.
Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.
I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was XXXX XXXX in XXXX and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with XXXX XXXX after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.
I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXXXXXX XXXX XXXX XXXX and a customer is unacceptable.
All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX.
I will contact XXXX XXXX, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication.
We will reverse the late payment and place it to the principal and then we wont.
Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is.
These are not good faith practices and the fact that they would sully my credit history is astounding.
I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.
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| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Have not received escrow refund nearly 2 months after loan was paid in full ( XX/XX/XXXX ). online account showed escrow refund sent XX/XX/XXXX. Refund was not received, i called XXXX XXXX XXXX XXXX/dovenmuehle on XX/XX/XXXX. At that time it was indicated a problem with my address, instead of showing the street/number it showed " yes '', probably because my account was paperless with all docs sent through email stated the company rep. They said to write a letter signed by myself and spouse to indicate to correct address to property/mailing address ( even though this is an error on their system ). My address has never changed, have lived here since XXXX. I emailed this letter to customer service and received confirmation that it was received and account was confirmed with proper address. They said I must wait 30 days to call back if check still not received. On XX/XX/XXXX after receiving advice from my mortgage broker, I called XXXX & XXXX XXXXdovenmuehle again. Spoke to XXXX this time, once again she said my address shows as XXXX, XXXX, CA XXXX. She put me on hold a couple minutes, said the address has been corrected and new refund is being sent which should be received within 7-10 business days. 10 business days later ( XX/XX/XXXX ) I called again as no refund has been received. Spoke with XXXX this time. I advised i would like the refund expedited, and a tracking number. She advised she will transfer me to Supervisor. After many minutes, she came back instead of transferring to Supervisor and indicated that the previous check was stopped and a new check will be mailed, and that there was a problem with the address. I indicated the address issue is ongoing. I requested to speak to Supervisor because at this point it just appears they are playing games. Spoke with XXXX. She confirmed address is still wrong in system, was corrected in wrong place by prior people and she has now corrected it again while i was on the phone with her and new check will be sent out. I asked this be expedited ( overnight or tracking number ). She said she put that in the check request. I asked how i get the tracking number and she indicated to call back in 4 business days for that. This company has a serious issue with their address record keeping and inability to send out refund checks that are due to people that were on paperless accounts. I still don't have confidence i will receive my refund which totals {$5400.00}. I am betting that i will have to call again and my address will probably show incorrect again. We'll see what happens, but i am not waiting any longer to file this complaint. I have threatened multiple times to the company that i will do this and they dont seem to care.
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| 01/08/2018 |
Yes |
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- Trouble during payment process
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Web |
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I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.
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| 08/12/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX.
My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property.
I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.
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| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX Dovenmuehle Mortgage has collected money through our escrow payments related to the Loan XXXX and saying that they paid the tax disbursements to the XXXX County tax office , it is also reflecting on XXXX sent by XXXX Dovenmuehle Mortgage for XXXX however the XXXX county tax collectors office is saying they never received any payments from XXXX XXXX Mortgage , and the county tax office is asking for the proof of the payments ( front and back of the check ) payments made to the address and also the property address and to the parcel it was made, XXXX Dovenmuehle Mortgage is not providing any proof and the company is avoiding to pay the money back to us.
We have written several emails, called customer support who are very impolite, and also faxed the letter received from the county for the non-receipt of the payments. The loan is transferred to the XXXX XXXX XXXX XXXX XXXX and they are also not providing any proof of payment or the property address to which it was made or to where the payments were sent, we need this to be resolved legally or through the normal process, this incident has occurred on XX/XX/XXXX of XXXX and it is almost six months and the mortgage company is not ready to resolve the issue, this is very unfair and the mortgage company is not bothered or ready to resolve the issue Please see the message received from XXXX Dovenmuehle Mortgage : We received your inquiry, dated XX/XX/XXXX, regarding your county tax disbursement.
Our records indicate that a county tax disbursement in the amount of {$3300.00} was made to XXXX County on XX/XX/XXXX, via check number XXXX. Please note that when we send out tax checks, they usually are in a mass bulk check, containing multiple borrowers payments. For this reason, we are unable to provide copies of these checks. Please follow up with your county regarding this payment.
Message from the XXXX County Tax collector office : XXXX XXXX XXXX XXXX County Trustee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX, TN XXXX XXXX XXXX : XXXX XXXX Property Taxes for XXXX XXXX XXXX XXXX XXXX, TN Parcel ID # XXXX Dear XXXX, I am enclosing a paid in full receipt for the XXXX taxes for XXXX Elk XXXX XXXX XXXX We have received a single payment from XXXX, check # XXXX, on XX/XX/XXXX. No duplicate payment from Dovenmuehle Mortgage has been received. I spoke with our Corelogic Tax Service representative and Corelogic did not receive a payment from any mortgage company this year, as they have in prior years for this parcel.
Please let me know if you need additional information or assistance. You may e-mail or call our office at ( XXXX ) XXXX.
Sin.c-e-rely, XXXX XXXX XXXX, Trustee c_, ~
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| 04/11/2021 |
Yes |
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Web |
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I was approved for a FHA streamline home refinance loan with XXXX XXXX XXXX at a much better rate of 2.5 %. My current FHA home loan is with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX received and responded to a letter requesting the payoff amount for my current home loan ( see attachment ).
On, XX/XX/XXXX I received a call from XXXX about the XXXX payment to which I informed customer service that I was approved for the FHA streamline and that the payoff for their loan ( i.e. closing date ) would occur by not later than XX/XX/XXXX. I was told that this would be noted to my account.
On, XX/XX/XXXX I received another call from XXXX customer service about the XXXX payment. I informed the agent that we would were scheduled for closing on new home loan on XX/XX/XXXX. We did in fact sign all documents to close on the loan on XX/XX/XXXX.
All closing documents were filed with the XXXX XXXX Clerks and a wire transfer for the full amount as given by XXXX for the loan payoff was sent on XX/XX/XXXX ( see attached document ).
On XX/XX/XXXX I received a call from XXXX stating that I owed for the XXXX and now XXXX mortgage payment. I told them that the loan was refinanced and paid off on XX/XX/XXXX. The agent stated that the pay-off amount was incorrect and short by {$2100.00} which needed to be addressed. I told her that I would call XXXX XXXX XXXX to find out if they are aware of this discrepancy. When I reached out to XXXX XXXX XXXX they were totally unaware of this and was not informed by XXXX that anything had changed from the payoff amount that they gave them on XX/XX/XXXX.
To date there have been many calls back and forth trying to get someone from XXXX payoff department to call back XXXX XXXX XXXX to work this out. Messages have been left and none have been returned.
I also just looked at my credit report and see that XXXX marked me as past due for 30 days!! This has had a negative impact on my credit score which now prompts me to solicit legal assistance to address this unwarranted damage to my credit score.
We filed a complaint in the past about this company ( XX/XX/XXXX ) and the highly improper difficulties in communicating with customers and other businesses to resolve issues around how they have handled servicing our home loan. Now we find ourselves once again caught up between XXXX 's mismanagement of our loan via poor communication which has subsequently caused damage to my credit score. Please assist with helping us to resolve this issue and get XXXX on point to take the necessary measures to resolve the loan pay out discrepancy with XXXX XXXX XXXX and retract the 30 day past due status they reported to the credit agencies.
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| 10/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2021 it came to my attention I paid my prior mortgage company, in error instead of paying the mortgage company Dovenmuehle Mortgage XXXX : XXXX XXXX XXXX , XXXX .
On XX/XX/2021 I spoke with company representatives XXXX and XXXX. I explained that on XX/XX/2021 I bill paid ( through the bank ) my mortgage payment, to them by mistake. I didnt know this had been done until I received my next months mortgage statement. I email a copy of the notice from the bank stating they had my money since XX/XX/2021. Both reps acknowledged receipt. XXXX XXXX said that on the XXXX a check for my payment was mailed back to me.
I called again on XX/XX/2021 and spoke with supervisor XXXX ( older but compassionate, this will make sense in a bit ) she stated the check wasnt mailed until the XXXX. Now they not only have my money but supervisors are lying about actions.
On XX/XX/2021 I spoke with another Supervisor XXXX ( younger and put on a much bigger show of concern and action, it was just a show no action was taken ) she put me on hold after I went through my situation for about the sixth timewhen she returned she stated I just needed to give my checking account number and routing number and they would ach my payment back to my checking account. Im like great lets do that ( this should have been done immediately or forwarded to the mortgage company they sold my loan to ) according to supervisor XXXX that is what should have happened.
On XX/XX/2021 I spoke with supervisor XXXX she informed me that nothing can be done until 15 days after check sent out ( that would be XX/XX/2021 ). I asked to speak with her supervisor she said ok and a complete XXXX named XXXX ( XXXX ) came on and validated supervisor XXXX information. When I asked what my other recourse may be he said there was nothing I could do but wait, I asked for his supervisor he state I have gone as far as I can go and he would not pass me on any further because nothing could be done until the XXXX.
First problem is accepting money you know you dont have a loan for any longer ( they knew that since the XXXX per all supervisors I spoke with ). Yes, this was my error in the beginning but this company has made it a nightmare. Second is sending money back through the mail. I informed them that there is mail theft almost daily where I live. I asked that they put a stop payment on the check and transfer it electronically ( safer and faster ). If they actually sent it out on the XXXX it is still not here, I worry thieves may have gotten it already. The mail is slow but not that slow! I am terrified if I dont get the check how I will make up that money to meet my financial obligations.
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| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I attempted to start the loss mitigation process with the help of a housing counselor the beginning of XXXX. I submitted my application on the XXXX with the supporting documents. I soon received a response letter with a list of missing items needed to deem my application as complete on XX/XX/XXXX. They needed me to sign my previous year 's tax returns and resend them, a copy of my W2 for XXXX, to continue sending my bank statements until my file was deemed as complete, and a detailed letter explaining any non-payroll deposits totaling over {$500.00} showing on my bank account, and to keep sending in my current pay stubs until my filed was deemed as complete. I also was given a point of contact with the number and extension to reach her if I had any questions, or concerns with the loss mitigation process.
After sending in the documentation, I soon received a follow up letter with additional items needed for my application to be deemed complete on XX/XX/XXXX. They needed me hand sign my hardship letter and re send it to them, and to send in the last 3 bank statements for the account showing on my most recent tax return. I had opened the account showing on my return only for tax refund purposes, and for that reason, I didn't have 3 months worth of statements at the time. I called multiple times trying to get a hold of my point of contact but the phone number that i was given didn't let me dial any type of extension. I called on my lunch breaks to try to get a hold of really anyone in the loss mitigation department just to be on hold for 30+ minutes to get sent to a voicemail stating that someone would be in contact within 48 hours. After leaving my information I still received no call backs. I submitted the bank statement I did have, and wrote with the document description that the account was only opened for refund purposes. The documentation for the application was marked as completed by someone, then quickly was marked incomplete again by my point of contact with an additional followup letter that was requesting the 3 months worth of statements again.
I spent phone call after phone call on hold, trying different numbers founded on the lenders website, and talked to a couple different people who tried to put me in touch with the right person. I was finally able to get a hold of someone in the right department after waiting 45 minutes on hold. I explained my situation and he looked up my account, and told my the best thing to do would be to write a letter explaining the situation and upload it to my portal.
I wrote the letter and submitted it on XX/XX/XXXX then someone had closed the request for assistance on the XX/XX/XXXX.
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| 03/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed on my home XX/XX/2020, and my loan was paid in full.
Today is XX/XX/2020, and have yet to receive my escrow refund of {$1800.00}.
I've contacted Dovenmuehle on seven different occasions to be told when I'd receive my check. My last three conversations in the last three weeks have been that they've issued the check and I should be receiving in the mail. Multiple times I've called them back to ask where my check is to find out that the previous person I spoke to on the phone never actually issued it like they said they would.
The amount of days they've held on to my funds is a clear violation of RESPA, and they need to be held accountable for dropping the ball on my family so many times.
At this point, I can't even call their office to speak with customer service. If this goes on any further, I'm forced to seek legal council.
I've also reached out to them over their websites messaging system. This is the message I sent on XX/XX/2020.
" Hello, I'm closing on the sell of my home today ( XX/XX/2020 ), so I'm requesting a refund of my escrow balance.
I've been told it takes 15 days to receive a refund, so I'll be expecting to receive the check by or before XX/XX/XXXX.
Thanks, XXXX XXXX '' -- -- -- -- -- -- -- -- This is the message I received on XX/XX/2020.
" Dear XXXX XXXX XXXX, This is in response to your inquiry regarding your remaining funds in your escrow account. We apologize for the delay in our response.
Our records indicate your loan was paid in full on XX/XX/2020. An escrow refund of {$1800.00} was issued on XX/XX/2020 and sent to your mailing address on file. Please allow up to 15 business days for it to arrive.
The appropriate release of lien documents were prepared for this loan within state-defined timeframes and sent to your county recorder 's office on XX/XX/2020.
Please contact your taxing authority and insurance carrier to let them know to send any tax bills and/or insurance bills to you as you are now responsible for making tax and hazard insurance payments.
We appreciated the opportunity to service your loan.
While we believe that this response fully addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at XXXX, or you may respond directly to this message.
Sincerely, Research Department '' -- -- -- -- -- -- -- - Again, they've resolved nothing. I've been very punctual with checking in on the status of my refund, but I still have not received anything. Dovenmuehle needs to be held accountable for mismanaging my escrow account, and withholding the money that I put into it.
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| 02/14/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.
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| 03/25/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I contacted Dovenmuele to determine why my original mortgage loan, acquired in XX/XX/XXXX, for {$170000.00}, had only decreased to about {$140000.00} ( as of that day ), so I requested a copy of my payment history, from the time the company took over my mortgage loan to present. I spoke to XXXX XXXX, and she stated that what I requested was called an amortization schedule and she would send it to me via mail.
On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX, who stated that she saw in her notes that I requested it, but was unsure why I hadn't. She stated that she would re-send it and it should arrive in a week.
On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX XXXX, who stated that I wanted was not called an amortization schedule, but what I wanted was a breakdown of my payment history. She stated that she saw that I requested the amortization twice, and was unsure of why I hadn't received it, but that she was going to make things right. I told her that I wanted a breakdown of the payment history and the amortization schedule, which she said she would send. For the payment history, she said it'll take 3 to days to process and then 3 to 5 days for it to arrive, and for the amortization schedule, she said I may not have received it because the document may have not been in the file, however, she will request it again and it may take 2 weeks to arrive.
On XX/XX/XXXX, I still hadn't received any documents, so I called back, spoke to XXXX, XXXX, and she stated that she can see that I made a request for the documents, and wasn't sure why I hadn't received, but, it may due to them not having my unit number. I explained to her that with all of the prior representatives, I confirmed my address, so I didn't believe her. I also inquired that if they were missing my unit number, why didn't they call me, to which she wasn't able to give me an answer. She stated that she could resend it, but I told her, at this point, I was filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and Consumer Finance Protection Bureau ( CFPB ). XXXX asked if I wanted to speak to a supervisor, to which I stated that I would. I spoke to XXXX, XXXX, and he stated that he saw that I requested a promissory note, on XX/XX/XXXX, it was sent on XX/XX/XXXX, however, he was unsure why I hadn't received it. I told him that I didn't request a promissory note, I requested my payment history. He stated that he could resend it, but I told him, that at this point, I was filing a complaint with the XXXX and CFPB.
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| 07/29/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Dovenmuehle Mortgage / XXXX XXXX XXXX XXXX XXXX XXXX ) will not complete the Covid Hardship Deferment process that they offered to me. When I called them in XX/XX/XXXX to explain that my tenant was several months behind in rent but could not evict her due to government Covid eviction restrictions, they offered to me a 3-month Covid Hardship forbearance at the end of which would become a deferment. When I called after the initial 3-month forbearance period ended in XX/XX/XXXX to find out how to complete this deferment process, they must not have understood my request because, what I learned later, they simply extended the forbearance period another 3-months. ( At this point I " skipped '' only 2 payments. ) After receiving past due letters I called them and found out that there was documentation needed in order to complete the deferment process and again they granted another 3-month forbearance period. I submitted the covid hardship form along with all of the requested documentation and resumed making the monthly payments. ( As my attached payment records show, I " skipped '' only 5 payments even though I was allowed to " skip '' 9 payments during this forbearance period. ) Even though I paid more than was expected from me during this time, I started receiving past due letters. After hours and hours of making many phone calls ( most of my time was spent on hold and being transferred ), emails, faxes, certified mail, etc, the only response I ever received, and continue to receive, is that I am missing documentation ( like paystubs ). I kept resubmitting the same requested documentation via fax, emails, etc. This went on for months until I received a summons at the end of XX/XX/XXXX to appear in court. The judge told both myself and the lender 's lawyer to contact Dovenmuehle/XXXX to find out what is going on with my account and to find out why my payments have not been applied properly. ( I also learned that they had not been applying my payments to my account but rather to a " suspense account, '' which of course artificially made my account " past due. '' ) This is still going on. I called again today, XX/XX/XXXX, and was told, once again, that they are missing the same documentation ( paystubs, page 6 of a form that " got cut off in the fax, '' etc. ) My next foreclosure court date is XX/XX/XXXX. I am attempting to do what the judge instructed and find out what is going on with my account so that this can be resolved before this date. I have attached my payment records, my correspondence log, and the list of documentation provided to Dovenmuehle/XXXX, their lawyers, and the court.
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| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I had a few ( 3 ) rough months in XXXX. XXXX. I was told by dovenmule that I could not make partial a payment of the lump sum I owed and I my ONLY options were to make a XXXX payment, foreclose or apply for their loss mitigation program. In order to qualify for loss mitigation, I was told not to make any additional payments till I was approved for the program. I was also told that, by entering into the loss mit program, the payments owed would be deferred to the end of my loan. Now 4 months behind, I received the paperwork stating that I was approved and starting XX/XX/XXXX my payments would now be XXXX per month ( up from XXXX ). They did not defer the debt owed like they said, but rather jacked my payment up. I tried calling multiple times and was always transferred to my loss mit reps voicemail. She never returned my calls. I was told that my only option was to now pay the dept ( which was now XXXX ) or just make the XXXX monthly payments for the year.
By XXXX I realized they were marking me as delinquent on my ( on-time ) monthly payments I was making.
I completed my loan modification program in XX/XX/XXXX and was told throughout the year, once it was completed, they would be able to remove the 12 months of delinquency on my credit report since I did pay in full ( current payment + repayment of debt amount ) and on time each month.
Today is XX/XX/XXXX. After sending many emails to XXXX XXXX email address, I never was responded to. Today I called again and was FINALLY told that they applied each loan mod payment ( current payment + repayment of debt amount ) in its entirety to past due months only till the end of my program ( XX/XX/XXXX ). Which means that regardless that I was making full payments on time for all of XXXX, I was reported as delinquent the entire year. I was told by loss mitigation today that they will not remove derogatory marks regardless of what they said in the past.
Then on top of that, they sold my loan to another company. When i called to make my XX/XX/XXXX payment they told me I could not as the loan was sold. i called the other company and was told that they transferred it delinquent and I needed to work that out with them.
My credit is severely impacted by this and I want this resolved however they will not work with me at all.
Attached are my payment statements from Dovenmule. As you can see there are 0 payments between XX/XX/XXXX-XX/XX/XXXX. You can also see that payments listed are only for that current month and do not include the additional XXXX dollars I was paying each month. Attached also is my bank statements proving the XXXX payments.
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| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Imagine struggling as a single father of XXXX, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my XXXX years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. XXXX/DovenMuechle has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached.
Escrow Balance : XXXX Statement XXXX Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached.
As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.
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| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good Morning, I contacted the City of XXXX on XX/XX/XXXXregarding the payment of my XX/XX/XXXX property taxes and they stated that have yet to receive them. I called Dovenmuehle Mortgage, Inc. to find out why my property taxes had n't been paid. I spoke to a XXXX XXXX and he explained that a check was sent out on XX/XX/XXXX to the City of XXXX, check # XXXX in the amount of {$2600.00}. I explained that they never received it and he said he would check into this matter. Not sure why I was told this as I elected the check be sent directly to me at the end of the year. I called Dovenmuehle back onXX/XX/XXXXand spoke to XXXX XXXX and she explained that a check was sent to me directly and I explained to her that I never received it ( she could n't provide a check number the amount or a date it was sent out ). She then explained that a work ordered was opened stopping the last check and a new one would be issued within three ( 3 ) days.
I once again called Dovenmuehle Mortgage, Inc. onXX/XX/XXXX( 7 days later ) regarding the status of the " new '' check being issued to me. I was told that a new check was not processed yet, however they had to stop payment on the other check, so it 's taken a little longer. I was frustrated, so I entered their chat room hoping trying a different avenue in getting answers. I chatted with XXXX and he explained the same thing, a new check would be issued to me in 3-5 business days. I felt hopeful.
I just contacted Dovenmuehle Mortgage, Inc. yet again today (XX/XX/XXXXXX/XX/XXXX ) and spoke to XXXX regarding this matter and yet again was told the check was " in process '' of getting created and sent out to me. I asked to speak to a supervisor and was connected to XXXX. XXXX explained that since they had to supposedly " two '' checks, this process is taking longer than usual. He added that since it was past XX/XX/XXXX, the check would now needing to be sent directly to the City of XXXX for processing. He said that the new check being sent to the City of XXXX would be processed by Friday XX/XX/XXXX.
I have been chasing my property tax check from Dovenmuehle Mortgage , Inc. for over one month now and it 's very frustrating to say the least, especially since I pay my mortgage/escrow on time every month. This company is very unprofessional and should be ashamed how they handle their customer 's business. I am never given a consistent answer to any of my questions and it seems very odd that no one knows check numbers of these ghost checks and dates they were supposedly sent out. Very shady! I hope someone can assist in this matter.
Regards, XXXX XXXX.
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| 10/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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I stopped automatic deductions from my checking account in XXXX because XXXX XXXX were constantly paying people I didn't owe and overdrafts my account.I went into the bank and paid a cash interest payment in XXXX XXXX .At the end of XXXX about the XXXX, I received a letter saying I was late with the payment. I went into the bank with my receipt to show I wasn't late. I thought the mater was taken care of, it wasn't. I received another letter in XXXX for payment for XXXX along with a letter saying my line of credit was suspended. I called costumer service and let them know it was paid they told me to email them a copy of the receipt, I did that. At the end of XXXX I received letters of my interest rate went from 1.99 percent to 6.percent and they wanted XXXX for XXXX payment and the account will be placed in collections and paperwork on mortgage foreclosure. It all came in the mailbox on the same day. I went in the bank and talked to the manager we called customer service and got the run around of our life. They told use to write a email we did then they sent a response that that was the wrong department so we sent it to a different department with a list of issues that had been plaguing my account to include missing money of over XXXX dollars or more. At this time we are not hearing any answers from anyone but the demands for payment and foreclosure threats are still coming. I am out of work now for an injury on the job and I don't have XXXX for XXXX payment. They are ignoring the bank manager and running over me like a freight train and they are moving so fast that I do t have a chance of saving my house although my payments are up to date .I was robbed of a lot of money from this account and the representatives lied and said there was an investigation going on and it wasn't. Please help me if you can. I have already paid over XXXX dollars in principle back to the Mortgage company and had goal of complete payback in 15 no more than 20 years, but so much bad things are happening with my XXXX XXXX XXXX accounts I get frustrated with the fact that I am getting no results when I see the bank representatives or call customer service and tell them I am not spending this money. .Not only that but the representatives and managers keep moving to different places/banks then I have to start the complaint all over again .The payment amount suddenly jumped higher on the late payment reminder notice by over XXXX dollars but when I showed the representative my receipt proof of payment she said the letter was in error. I really need your help please.I am the only one losing big Thank you.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on a refinanced home mortgage on XX/XX/XXXX. The old loan and the new loan were with the same mortgage company, XXXX, also known as Dovenmuehle Mortgage , Inc . The Initial Escrow Account Closing Disclosure Statement ( shown in the attachment ) showed that the new loan escrow would open with a balance of {$5100.00} and in XXXX there would be a payment from the escrow account of {$4300.00} for Property Taxes. The new loan account showed the escrow account balance of {$5100.00} when it was set up on XX/XX/XXXX ( the second screen shot in the attached ). This screenshot came from the XXXX website details for my loan. The XXXX Property Tax Payment was never made. I received a Real Estate Tax Bill from my county in early XX/XX/XXXX. I called XXXX and was told to email it and they would look into it. I sent an email with a copy of the notice to XXXX on XX/XX/XXXX. I never heard anything. I then received a Delinquent Real Estate Tax Bill from the county in late XXXX. I called XXXX again and was told to send that. It was sent on XX/XX/XXXX. I called several more times over the next few weeks to try to ensure XXXX was looking at the issue properly and never heard back, always that they were looking into it. My last round of calls started on Monday XX/XX/XXXX to check that it would be paid. The county statement said it needed to be paid by XX/XX/XXXX to avoid additional additional penalties or collection actions. Customer service continued to tell me they see the issue but it would be up to the XXXX Department to take care of it. They also said it would be paid by the end of the week ( XX/XX/XXXX ). As of today, XXXX, it has still not been paid. When I called XXXX on Monday ( XXXX ) they said they would expedite the request to the Escrow department '' but that was all they could do and it was still in process. They also did not commit to sending a check let alone when they would send it. They also only noted that they would " do what they could '' to ensure XXXX covers the late fees rather then saying they would cover the fee.
On one of my earlier calls the customer service agent tried to say I was responsible for paying the taxes since I refinanced and I had received the amount from the escrow account of the old loan. That is not what happened and I told them that, but I am concerned that the Escrow Department, which I am never allowed to talk to directly, does not see that.
I am hoping CFPB can do something about this although I am not familiar with regulations related to escrow payments made by the mortgage company. I appreciate anything you can do to help.
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| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, I remitted payment to my loan servicer, Dovenmuehle Mortgage , Inc. via XXXX XXXX XX/XX/XXXX. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that Dovenmuehle Mortgage , Inc. transferred the loan to XXXX XXXX. At the time of the transfer, I was not in default or delinquent in my mortgage loan status.
On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, thereby paying off the mortgage loan owed to Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XX/XX/XXXX.
Dovenmuehle Mortgage , Inc. failed to deposit the XXXX mortgage payment. Dovenmuehle Mortgage , Inc. further failed to forward the XXXX mortgage payment to XXXX XXXX. Irrespective of the XXXX mortgage payment, both Dovenmuehle Mortgage , Inc. and XXXX XXXX were paid-in-full as a result of the refinance on XX/XX/2020.
On XX/XX/2020, Dovenmuehle Mortgage, Inc. caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX.
Please note the following violations of law : 1. Dovenmuehle Mortgage , Inc. had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default.
2. Under Federal Law, neither Dovenmuehle Mortgage, Inc. nor XXXX XXXX were permitted to treat any payments as late during the 60-day period following the transfer from Dovenmuehle Mortgage , Inc. to XXXX XXXX on XX/XX/2020. See 12 CFR 1024.33 3. Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XXXX, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}.
Lastly, neither Dovenmuehle Mortgage, Inc. nor its successor in interest, XXXX XXXX have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so.
The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.
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| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am going to be extremely nice and cordial and I apologize for the previous threats or attitude but the situation is extremely frustrating. Long story short : XXXX approved us for 12 months of payments from XX/XX/XXXX to XX/XX/XXXX.
As of the date of this letter, there has only been XXXX payment posted from DovenmuehleXXXX which was for XX/XX/XXXX.
The most frustrating part of this entire thing, is Dovenmuehle are claiming the checks are going to a wrong address and that is why they're not being posted. This would be a fine claim but the correct address that XXXX are mailing the checks to is " XXXX XXXX XXXX, XXXX TX XXXX. '' - This is the EXACT address that you guys have claimed the address needs to be on previous correspondence. Today, I did a two-way phone call with XXXX from XXXX and XXXX from Dovenmuehle. Both very sweet and wanting to help me.
How can we resolve this? Also can I get a contact from someone that I can reach out to directly vs filing many CFPB claims?
Possible resolution : 1. Have XXXX change the address from the XXXX XXXX XXXX XXXX, TX to the XXXX XXXX XXXX, Illinois location. Please note, for them to do this - I need you to confirm this is now the correct address to send payments to on Michigan XXXX letterhead. They will re-issue the checks and send them to this address from now on. I have personally sent checks to this address for the hurricane insurance checks and found there to be no issues sending and receiving from this address.
Please just help me. Please do not say again that the address is incorrect because I can promise and assure you it is not incorrect. You may be giving ME and HAF the incorrect address, but XXXX are sending the checks to the address you are specifying so PLEASE do not use this answer again in your response to this claim. Please try and actively help me, I have been fighting this since XXXX I am tired and I want this to be resolved. If we need to change the address to XXXX XXXX XXXX XXXX then let 's do it. Clearly the XXXX XXXX XXXX XXXX is not working.
Furthermore, in the last correspondence you claimed that the unauthorized third party had received " multiple '' checks, meaning for various individuals not just my loan. This should be the clear indication that it is indeed DovenmuehlXXXX 's error. I understand this is a new program from the government so if you don't understand what to do or you don't know what to suggest then just say that. Can we try the XXXX XXXX XXXX location? I need you to confirm on a letterhead that the checks can be sent to that address.
Thanks, XXXX
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| 04/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, In XXXX of XXXX I switched from a renter 's insurance policy to homeowners. I reported the change and provided proof of the new policy and the policy number to Dovenmuehle Mortgage ( DMI ).
In the following month I received notice that I would have lender-placed hazard insurance placed on my property. I then saw my insurance payment on my escrow statement adjust upwards to the amount of my new premium.When I called DMI to ask about this, I was told to IGNORE the notice, as my new insurance had NOW been property recognized, so the lender-placed hazard insurance would be removed, and I would not make any payments towards it. I ignored the notices as instructed.
In XXXX / XX/XX/XXXX, I became aware that DMI was nonetheless charging me for supplemental hazard insurance at an annual cost of {$5800.00}, and adjusting my escrow payments accordingly. I called on XX/XX/XXXX, and once AGAIN sent in my new policy. I was AGAIN assured that my new homeowner 's policy was comprehensive, that the hazard insurance would be taken off, and that no payments reflective of the hazard insurance had been made or would be made.
A few days later I received a notice of cancellation for the hazard insurance as expected ( attached ). I hoped that would be the end of it.
However, on my most recent escrow statement, dated XX/XX/XXXX and received by me on XX/XX/XXXX, I see that NEW hazard insurance has been placed, this time at an annual cost of $ {$2400.00}. See most recent escrow statement, attached.
This means that, not only were the assurances of getting this redundant insurance issue fixed not kept, DMI placed NEW hazard insurance on my property AFTER the XX/XX/XXXX cancellation of the prior lender-placed insurance, without federally required notice to me.
The amount of the new lender-placed insurance appears to be drawn from an outdated personal homeowner 's insurance policy, indicating that this may be a clerical mix up. The fact remains that my escrow statement shows a charge for lender-placed insurance I was not informed of, and my auto-draft payments will now be including monies for this purpose.
I have once again attempted to resolve with DMI. They once again have AGREED that my own homeowner 's insurance policy is sufficient for their requirements and I DO NOT require any additional insurance. However, I am still waiting for them to have all lender-placed insurance charges removed from my escrow, have a new escrow statement calculated, and have this matter resolved as it should have been when I provided my new policy in XX/XX/XXXX.
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| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, my mortgage company ( or loan servicer, I am still confused about who is responsible ) offered to put my husband and I on the XXXX mortgage forbearance program. They did not require any application or explanation of hardship, and told me at the time that my payments would be deferred to the end of my loan.
In XXXX of XXXX, we were removed from this program, apparently because they were unable to contact us, although I do not recall ever receiving a call regarding the matter. I received a call in XXXX of XXXX from collections, letting me know I owed {$15000.00} in back payments. Since then, I have not been able to make regular payments on my account, which has negatively impacted my XXXX XXXX and put me at risk of foreclosure, despite being able to afford/resume my payments. I am now in a XXXX process with the XXXX XXXX department with no indication of when this issue will be resolved My complaints are as follows : XXXX. I was not provided adequate documentation or explanation of what would be required to have my payments deferred, nor was a told that there was no guarantee that I would qualify for deferment. When the company enrolled me in the forbearance program, I was assured my payments would be deferred and was not told anything about the complicated loss mitigation process I now find myself in. I am now forced to share personal financial documents ( bank statements, tax returns, pay stubs ) to justify a " hardship '' that no longer exists. The process has been humiliating and I'm now faced with the threat of losing my home, a situation I was NEVER told was a risk of this forbearance program.
XXXX. I have not been offered any method to resume my current payments while my loss mitigation application is in review. This has negatively impacted my credit through no fault of my own.
XXXX. I am unable to get through to anyone in the underwriting department to discuss my application. They sent me a loss mitigation packet and told me to just fill it out and send it back, without explaining all the documents I needed to submit ( or how to submit them ). I was never told about the online portal ( which I found on my own ). I was told I would receive a call from the underwriting department and have yet to hear from them XXXX weeks after my request. My emails to the XXXX XXXX department have gone unanswered.
XXXX. I was told that I have an assigned a " single point of contact '' but the number given is the general XXXX number with no option to enter an extension. I have been unable to contact this person.
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| 01/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Long story short : The mortgage servicer is receiving payments and this can be proven by HAF and they are not applying them. The award was in XXXX of 2022 and only one payment has been posted that was HAF. The rest of the payments were made by us struggling to do so. When confronted about it in a previous CFPB claim, the company stated : " Our Corporate Office received notification from an unauthorized third party that they were receiving checks in the mail from the HAF intended for our office. We have confirmed that the address being used by the HAF to send funds to us is incorrect. Our records show we have reached out to the state of Florida assistance programs to confirm the correct address to send payments to us, as well as to confirm your participation in the program in order to investigate your assistance payments, but as of the date of this letter, we have not received a response. Please note, the correct mailing address for payments from the HAF is : XXXX XXXX XXXX XXXX TX XXXX As of the date of this correspondence, your loan is current and next due for your XX/XX/2022 payment in the amount of {$2000.00}. '' This is absolutely incorrect and false information. There is no way this information can be factual because of the fact that the mortgage servicer has POSTED XXXXXXXX XXXX payment from HAF. The mortgage servicer also complains that HAF are " hard to reach '' and they " can not get ahold of them ''. Well this is because the mortgage servicer, Dovenmuehle is doing as little as possible to get anything accomplished. I picked up the phone and dialed the HAF call center number and immediately got connected. I had the HAF representative VERIFY not ASK me for the correct address. The address she provided was not only what Dovenmuehle is stating needs to be the correct address but is also what is on the XXXX statements that Dovenmuehle sends monthly.
Dovenmuehle, please understand that we are in our final days of fighting the battle with you. IF you do not do something promptly about this concern, we will be taking you to court and suing for more than the allotted HAF award money. We are prepared to win. Please also be aware, we have many people in a group that all have their loan serviced by you and have the same issues. We are prepared to take this class action and are actively talking with a real estate attorney that is more than happy to take this concern seriously in court. Please be prepared to actually solve this issue, I do not want to hear a single excuse in the reply to this complaint.
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| 05/15/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I am the sister and filing the complaint against the mortgage company for lack of corporation in filing for a loan modification for my sister. I have legal attorney and have provied at least XXXX applications for the loan modification. Every time I try to talk with the agent who is handling my sisters loan mod. I can not get to talk with them. I am referred and connected to another representative who just repeats the same information over and over again. I have submitted over XXXX inches of documents to the mortgage company, XXXX letters of hardship, income, tax records, bills, and profit & loss statements to the mortgage company. I feel for sure they are stalling and not providing information or help with this loan modification so that they XXXX foreclose on my sister 's house. We as her family can not address any of her other credit issues until we are able to address help with her mortgage. Her XXXX co-pays and doctors use up all of her money just to get medical help. We have tried to re-fi and paid a company Home Eguity {$500.00} which came to no end. They just used our money. The house did not appraise to help. I have also contacted NACA for help and they have supplied papers and phone calls to the mortgager with no help at the present. Together XXXX of us have been working with the mortgager for 3 months and supplied everything we were requested and still no loan modification. Neither the family nor my sister can afford an attorney. We have been trying to straighten out a very bad financial situation and will continue, we just need some corporation from the mortgager before we can address any other issue. My sister is on XXXX and can not speak well or deal well with financial matters at this time, she has just come from XXXX for most of her career. We are told by the mortgager every time we submit documents that they request, even if it is the same document they already have, we must wait 5 days before we know if they will take the information and do the modification or ask for more information. The same information has been submitted over and over again. By me and NACA and still now they say we must wait until XXXX XXXX, 2015. In the mean time they have turned my sister over to their collection department. No she may loose her home before we get a chance to settle any financial matters. She gets upset every time some XXXX calls and I am trying my very best to help prevent her home from foreclosure. So has NACA, but neither of us is having any luck in communicating with the mortgager.
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| 02/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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EMERGENCY TAKING MY PROPERTYXXXX XXXX SHERIFF! The title was based off a forgery, plain s day. She fled the country, after getting paid {$5000.00} from XXXX XXXX ALL the others fled too. It's my home, land that I PAID TOWARDS FOR 44 YEARS!!!!!!!!! ON A VERY LOW SECRETARY Salary BOUGHT THE LAND IN XXXX IN MY SINGLE NAMEE?!!! AS. SINGE PERSON WITH CHILD FROM A XXXX! TOLD DAD TO GO AWAY AND HE DID. NO CHILD SUPPORT NO STATE Support BACK THEN. I DIDNT ASK FOR IT.!! THE.N THE SAME GUY THAT RECENTLY STOLE MY HOME WITH FORGER FROM HIS WORK, STOLE THE STATES CATCHUP CHILD SUPORT FROM THE OTHER GUYS XXXX!! I BUILT TWO HOMES ON MY LAND, BY THEN I HAD A STRONG BUSINESS.. HE ARSONED MY FIRST VERY VERY SPECIAL ONE, ( HE MADE HUGE FRAUD DEAL WITH MY SINGLE NAME MORTGAGE BANK!! TO HARM ME! THE BaNK WAS ALSO MY 1099 EMPLOYER!!
They re RIGHT NOW FINISHING STEALING MY HOME. THE DEAL HE MADE WAS TO PRETEND I OWED THEM MONEY ( I PROVED 7 TIMES OVER I DIDNT ). BUT THT COMPANY NEEDED TO DO THAT TO ME TO STEAL XXXX!! SEE XXXX historic chart! See huge hump in volume! That's the tax fraud!!! SEE CASE XXXX XXXX they pretended it was a mistake, but it wasn't, BUT THEY dismissed it WITHOUT PREJUDICE!! SO TOOK IT OFF ON THEIR TAXES GIVING THEM {$6.00} BILLION IN TAX ASSET!!!! WORSE FOR ME IS THEY COULD COME BACK AND CHARGE ME WITH THE {$14.00} BILLION!! LOOK AT LONG Term CHART OF XXXX YOU WILL SEE THE VOLUME HUGE HumP. THATS ME! FROM my tiny good business Iin the country they stole. I LIVED & WORKED IN THE COUNTRY FOR 36 YEARS!!! THEY STOLE both my Hnew homes that I paid for! They stole THROUGH FORGERY, PAID OFF TITLE PEOPLE. XXXX XXXX AND THE XXXX XXXX BOTH CLOSED RIGHT AFTER THEIR FRAUDS!!!! So ALL 9 FLED RIGHT aWAY, at least one out of the country! BUT SOME CAME BACK!! HE TRIED XXXX ME A DOZEN TIMES! AFTER HE DID THIS!? ALSO IS XXXX CAR TRUCK CIRCLING, XXXX ME, trying to it me in a vulnerable position. Everyone is afraid of him, he is a monster. AND MY LIFE IS IN DANGER. ALSO TRIED TO PRETEND I DID FORGERY ( LIE ) TO COVER UP HIS FORGERY! HE PAID OFF COPS ETC. HE THE MORTGAGE COMPANY CLOSER FLED THE STATE TO INDIANA, SHE DID NOT COME BACK BUT I KNOW WHERE SHE IS IF YOU CAN Arrest HER TOO.. THE TITLE BASED ON PLAIN A S DAY FORGERY, PROFESSIONAL FORGER DONE AOT, XXXX XXXX, BUT SHE PRACTICED MY XXXX Signature ON. XXXX DEED! AND MY NEW LICENSE SIGNATURE WAS THE DAY BEFORE! SO CAN COMPARE AND SEE ( I CHANGE MY SIGNATURE PERIODICALLY NOW BUT ITS Clear AS DAY FORGERY MORE STARKLY NOW. I have tons of evidence. Help!
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| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a new home in XXXX of XXXX. We put down 10 % and were required to have mortgage insurance. Immediately after purchasing our home, we completed major renovations - over {$100000.00}. When our renovations were complete in XXXX of XXXX we requested our mortgage insurance be removed. We contacted our servicer, Dovenmuehle to start the process to remove our mortgage insurance. They informed us that we needed to pay for a Brokers Price Opinion and we sent in a check for {$100.00} and the BPO was completed on XX/XX/XXXX and determined our value at {$670000.00}, well over the value needed to remove our mortgage insurance. On XX/XX/XXXX we received our first notification that we needed to pay down the principal balance to remove mortgage insurance, regardless of the new appraised value. It also stated that if we wanted to order a BPO because of renovations we could start that process -???. Over the past 9 months I have had several calls and emails with XXXX, our Servicer and our mortgage company XXXX. XXXX will tell us to contact the servicer and the servicer will tell us to contact the mortgage company. Both telling us it's out of their hands. Now they are saying that it looks like the value is good to remove my mortgage insurance, however, since I ordered my own BPO independently they can not use it. I recently had to email a copy of the cancelled check that was sent directly to XXXX to show the BPO was NOT ordered independently, but as directed by XXXX as part of their process. I am very disappointed in the process and run around I have had throughout my quest to remove mortgage insurance. Both the servicer and mortgage company have pushed me off to the other side and then have given various reasons why they can not approve the removal.
Purchase Price : {$570000.00} Down Payment : {$59000.00} = 90 % LTV New Appraised Value : {$670000.00} Updated Principal Balance : {$490000.00} = 74 % LTV On a side note, I have 27 years of mortgage experience, so I understand the guidelines and requirements for removing mortgage insurance. I have been VERY patient and my patience has now run out. Throughout this entire process XXXX has continued to send me the SAME paperwork repeatedly telling me that I can petition to remove my mortgage insurance by ordering a BPO if I send in a check. If I were a normal consumer without the experience I have, this would have added to my confusion immensely!!
XXXX has told me I am able to remove my mortgage insurance and I am not sure what the delay is.
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| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I contacted Dovenmuelle Mortgage requesting to remove the PMI from my mortgage. As instructed by the bank, I Mailed them a check for {$450.00} to have the appraisal done and they chose XXXX XXXX XXXX. On XXXX XXXX, the appraisal was done and it was determined that the house was worth {$630000.00}. When I reviewed the appraisal, I immediately noticed that the appraiser failed to include a house located on my street ( about XXXX houses away ) that is identical to ours in architecture-same interior and exterior layout and square footage ( a XXXX XXXX ) which sold for {$760000.00} on XX/XX/XXXX. It is evident that the appraiser is inexperienced and unfamiliar with the real estate market in my neighborhood ( XXXX XXXX in XXXX XXXX, XXXX, NY m ) ; the appraisal company used by my mortgage company is located in XXXX.
I decided to contacted XXXX XXXX, the company that sold the property for {$760000.00} on my street and they provided a market comparable analysis on my property and the value came back at {$740000.00}. After numerous failed attempts to speak with a representative from Dovenmuelle Mortgages Research department, I decided to pay for an additional independent appraisal, even though this was not requested by the mortgage company. The appraiser from XXXX XXXX XXXX XXXX XXXX determine that the house was worth {$760000.00}. Furthermore, the appraiser reviewed the appraisal done by XXXX XXXX XXXX and provide a rebuttal letter detailing the mistakes made by this company. I submitted the new appraisal along with the rebuttal letter to my mortgage companys Research department in XX/XX/XXXX and I received a final response from the company a few weeks later stating that the value of my home was {$660000.00}. I called the mortgage company and I spoke with the customer service manager who apologized for all of the inconvenience, but she couldnt help as she was not from the research department. I do not understand when and how it was determined that the value of my house increased to {$660000.00} when a new appraisal was never done by my mortgage company. Was this determination based on the independent appraisal and rebuttal letter that I provided? All I want is for a new appraisal to be done by a company that is familiar with the XXXX XXXX/ XXXX XXXX XXXX , but i have not been able to speak with a representative from my mortgage companys research department who would be able to explain the reasons behind their decision and if my request for a new appraisal can be granted.
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| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX is my loan servicing company. I have had my home for just over 15 months and put down/paid off about 10 % of my principal mortgage amount.
In my area in XXXX Florida, the housing market is on fire. Homes around me with similar Sq ft. are selling for well over what I paid for my home.
This fact sparked asking my loan servicer if I could pay for a new home appraisal so that if the new loan to value surpasses the 20 %, I could get rid of my XXXX XXXX XXXX ( XXXX $ XXXX ).
I asked for a supervisor to ensure I was given correct information once I received a letter of my options. The Option that best serve me stated that is I had made substantial improvements to my home and paid for an appraisal of my home and it came back more than the shown amount on the letter, my PMI would be retired.
Since my call and point of view is the housing market itself has increased the value of my home substantially in the last 15 months, I wanted to check if this fact was sufficient enough for XXXX XXXX to allow me to pay for the appraisal Without listing Substantial improvements. To my delight, the supervisor representative from XXXX XXXX agreed and reassured me that if I sent a check for the appraisal performed by XXXX XXXX and resulted in the new home value over the amount listed in the letter, my PMI would be retired!
Now here is my complaint. Weeks later, I hear nothing from XXXX XXXX until I call and ask again to speak to a supervisor ( most normal agents they have are novices in mortgage and simply read scripts and a computer screen ), and ask what may be the holdup on my appraisal??
The supervisor stated that because my property HAS NOT made any substantial improvements, they would be sending my check back to me and not performing an Appraisal!!
I pleaded the only reason why I sent a check in the first place was because of one of their supervisors assuring me of the appraisal being done without needing to provide home improvements!
This conversation lead to other supervisors and all of them are reading a script. Denying my chance to an appraisal that would clear my loan to value well under 80 % and cancel my PMI.
I believe this is incredibly Unfair, unethical and unjust! I should be allowed to PAY for an Appraisal of My Home at anytime if I feel the results would PROVE my homes value can cancel my PMI!
I hope this email finds the correct path to a better mortgage experience holding loan servicers responsible to unfair, unethical and unjust practices.
Thank you!.
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| 06/09/2021 |
Yes |
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- Trouble during payment process
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Web |
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I have an FHA XXXX loan with Dovenmuehle which is being serviced through XXXX XXXX.
Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by XXXX XXXX, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case.
The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project.
Thus far, XXXX XXXX has told me that I will just have to try and complete my renovation with the remaining project funds, which is unacceptable as well as impossible. and the renovation has left the project at a stage that no other contractor wants to take on without charging a premium. Also, costs of materials have risen since my contract was bid which would make it hard to complete the project even without the theft of $ XXXX from the escrow account. My house is just sitting now in danger of vandalism ( you name it ) and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage faithfully for a house I cant live in which is emotionally and financially draining.
I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to Dovenmuehle telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank regarding this directive.
I should not be required to pay for the mishandled escrow funds by the bank in my mortgage to the tune of $ XXXX with interest over the life of my loan. This to me is just a ludicrous notion. The fact that they just tell me I will have to try and complete the house with the remaining funds is insulting and negligent on their part.
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| 03/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In response to XXXX XX/XX/XXXX response XXXX. The company finally provided a breakdown of how my payments were applied for XXXX & XXXX. I still have concerns about how my payments were applied but I will try to get a resolve from the company.
I have signed and notarized the Partial Claim documents as instructed in the XXXX response. Ive returned the original document, plus two additional copies to the address provided in the response. The post office confirmed receipt of delivery on XXXX - see attached document.
Just to confirm what youve explained in previous complaints, an extra two months of mortgage payments were added to the partial claim amount to allow for processing, and that I am to skip making payments for two months while the partial claim is being processed. Please confirm that youve received my documentation and when I should resume making monthly mortgage payments.
Ive tried to confirm the info by calling your office. I spoke to XXXX on XX/XX/XXXX at XXXX PST and she advised me that I had to speak to the special loan department. I was then put on hold and XXXX came back saying she needed to transfer me to Loss Mitigation. I was placed back on hold another 6 minutes of silence then an automated message played advising someone would be right back with me. After 10 minutes, XXXX answered. I asked XXXX if my Partial Claim documents had been received and processed. XXXX asked when I had mailed them out. I advised her that the United States post office confirmed the documents were delivered on XX/XX/XXXX. XXXX says she would check the system. I waited and after 5 minutes she advised me that she needed to place me on hold. XXXX then asked me which documents I sent back, after I explained which documents Id returned. XXXX then asked what address Id mailed the documents to. I advised her that Id mailed the documents back to the mail to address in XXXX, TX on the Partial Claim documents provided in the companys XX/XX/XXXX response. XXXX then stated that she didnt know if that was the right address? She then asked me if I was sure the documents Id returned were not a loss mitigation packet?? I asked to speak with a supervisor, XXXX said she would try to get one and placed me on hold. XXXX came back 5 minutes later asking if Id take a call back. I explained to her that in the 50 or so times Ive asked for a call back I have yet to receive even one call back.
This feels like Im going thru the exact same madness I went through as explained in my very first complaint.
|
| 09/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter from Dovenmuehle Mortgage XXXX XXXX on XX/XX/XXXX. The letter was mailed on XX/XX/XXXX and stated that an unclaimed property amount of {$480.00} is due to me and must have contacted them at XXXX or fax at XXXX within XXXX business days from due date of XX/XX/XXXX. The letter stated within XXXX business days of contact a new check will be issued. I faxed and signed a letter claiming my check on XX/XX/XXXX, once I opened letter and realized they had my money since XX/XX/XXXX. I received a letter back from them on XX/XX/XXXX stating they would resolve this issue promptly. On XX/XX/XXXX I called and spoke with XXXX for updates and she stated that the check was not processed but with me calling that would get the check in a stage to be sent out. No check received. Called back again on XX/XX/XXXX with another rep, unknown name, stating check is still being held and to follow-up if not received in 30 days by law. No check received. On XX/XX/XXXX spoke with another rep and asked for XXXX. Spoke with XXXX, XXXX, Supv and she promised she would send yet another message to claims/unclaimed dept, stating that lawfully they have up to 90 business days for check to be mailed out. I informed her that is not what the letter said and she stated she would send another message to claims/unclaimed money dept for rush. She stated within that time I would hear back from her within 2 business days, no later than Friday XX/XX/XXXX. She never called back. I called on XX/XX/XXXX and spoke with rep that gave me to XXXX, Supv. I asked for her ID and she did not give it to me. I inquired about how the unclaimed check services work and she stated they have a certain number of days by law to send out check once everything is verified. She did not say how many days. She informed me that she will send another letter because nothing is showing in system that check has been released, and call back in 48 hours. I wanted to file a complaint. She told me to email to XXXX I went there and it brought me to a link that you have to register online for. I felt like I have gotten nothing but the run-around. I turned in my information within a timely manner and they claim to still have the check but it has not been released, The company sent me a confirmation letter that I still have along with original letter. I am asking for this to be reported because I do not recall getting an original letter from them after 3 years of them holding money that is owed to me. So now I am reaching out for help.
|
| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX.
I am appealing to the CFPB to conduct an investigation into this.
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ).
However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side.
On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ).
As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information.
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands.
I am requesting for a third time 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.
Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.
|
| 04/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.
|
| 03/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Ive had several processing issues with making payments to my mortgage service lender Dovenmuehle Mortgage Company. Starting since month 1, in XX/XX/XXXX. They dont accept debit cards. So I could only pay via ACH. Several times I called in to check on the loan and they then expressed it didnt post. 2 months into my new loan they told me I can only make payment via XXXX. This causes inconvenience and extra fees. In XX/XX/XXXX, I called to set up an arrangement because I had an issue/change with my company pay. I called XX/XX/XXXX to request 10 days extra. The rep told me she couldnt help me. She said she would send me a hardship request. I asked if that would help keep my credit payment on time. She said no. I paid XX/XX/XXXX and XX/XX/XXXX the full payment. Then the lender reported a late payment anyway on XX/XX/XXXX. I then made another payment on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I requested the company to review and remove the late payment on credit and they then decided to send the hardship request on XX/XX/XXXX but it was dated XXXX XXXX was way after the date the lady said she would send the packet. Clearly I no longer need the hardships request if Ive made 3 payments. They sent me several letters dated for XX/XX/XXXX but the Envelope is dated for XX/XX/XXXX and XXXX. This mortgage companies makes it extremely hard to make payments and then when customers request what their options are for arrangements they lie and say they are none and they ask all these questions about your current financial situation only to not help. They also dont send out the documentation they claim is needed to help you. Sending something 4 weeks later is unfair. They also add erroneous fees to your statement like home inspection and states they routinely can add these fees without notification of why. When I inquired on XX/XX/XXXX about this fee I was told they had someone come to my house and make sure I live therebut I live in a gated community so they cant gain access unless they call me. No one ever called me to communicate this. This company is very sneaky and has unfair practices that are only in their favor. They purposely will work against you even if you communicate with them. I wish I would of known how horrible this lender servicer was prior to applying for my mortgage. This lender servicing companies has XXXX stars on XXXX. Says a lot about their practices. They reviews all state the same thing.unfair tactics when it comes to payments and credit reporting.
|
| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Good Afternoon, My husband and I recently refinanced our mortgage that was being serviced by Dovenmuehle and were due an escrow refund of over {$800.00}. At the time we were refinancing, we received notification from Dovenmuehle that they were transferring our mortgage to a new servicer as of XX/XX/XXXX. The final payment to Dovenmuehle posted on XX/XX/XXXX and our account shows that it has been paid in full since that date.
On XX/XX/XXXX, I called Dovenmuehle to confirm the payoff was received and to confirm when we would receive our escrow refund. They advised a check would be issued within 17 days of the mortgage payoff. On XX/XX/XXXX, I saw that the refund had not been issued and I sent a message through the secure message center in my account. After a few days, I had not received a reply.
I called Dovenmuehle on XX/XX/XXXX and spoke with another representative who informed me they were not clear on where the money was or who would be refunding the escrow balance to us, Dovenmuehle or the company they transferred the mortgage to. The information on my mortgage account online showed the escrow funds were still with Dovenmuehle. They submitted a task to have my account reviewed and advised me to check back with them in a couple weeks.
I attempted another email on XX/XX/XXXX which was also ignored so I called again on XX/XX/XXXX. I spoke with XXXX different associates because my initial call was disconnected. When I spoke with the second representative she assured me yet another task for my refund had been started by the first representative. I believe I was given another XXXX week time frame and I set a reminder to follow up again.
As of XX/XX/XXXX, the escrow refund was still not generated and I called yet again and spoke with XXXX. This time I was on the phone for XXXX minutes and she let me know that per her supervisor, XXXX XXXX, the task that was submitted never actually requested a refund of the escrow account ( I'm unclear what the task could have possibly requested since that is the only thing left to close out my account with Dovenmuehle ) and after some back and forth she was able to give me the estimated refund date of XX/XX/XXXX.
This account have been refunded and closed out in XX/XX/XXXX and instead I have been consistently given the run-around for months. An estimated date of XX/XX/XXXX is completely unacceptable per the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. )
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dovenmuehle Mortgage Inc. aka XXXX XXXX XXXX kept claiming that they never received my Loss Mitigation Package Application for Short Sale of property located XXXX XXXX MD XXXX. I have located proof of the faxed confirmation that they did received the paperwork, as it was sent to them multiple times by both realtors that assisted me. XXXX XXXX with XXXX XXXX XXXX, who was with a different realtor company at the time has proof of the paper work sent, and so does XXXX XXXX with XXXX XXXX XXXX XXXX who also submitted the completed Loss Mitigation Package multiple times on my behalf right before I went into the XXXXl for major XXXX and right after. I located the one of the fax confirmation, which proves that Dovenmuehle Mortgage Inc sat on the completed application package each time, and made false statements to you in prior reports. Dovenmuehle has cost me to rack up over {$1800.00} in condo fees due to starting premature foreclosure on the property in XXXX XXXX Maryland in XX/XX/2018, weeks after I was released from the hospital after having XXXX major XXXX. The move time that passes, the more debt has accrued on the property, only hurting me further. All of this was intentionally down by Dovenmuehle Mortgage Inc., and I am not their only victim. Dovenmuehle has a track record of false statements and deception. I have attached my fax confirmation of the very first completed Loss Mitigation paperwork sent over to Dovenmuehle, the two realtors I worked with has proof of the other multiple times the completed Loss Mitigation package was sent. Dovenmuehle kept asking for the same paperwork over and over again, and it was sent many times. Dovenmuehle unethical and untruthful practices has hurt many people, and they need to be held accountable.
Please also see the others who have complaints concerning Dovenmuehle Mortgage Inc.
https : XXXX XXXX This company needs to be investigated and shut down and order to pay restitution to those they have hurt intentionally. There are other social media sources that such as XXXX and other with reports of Dovenmuehle Mortgage Inc. unethical practices. Dovenmuehle is running a scam and are untrustworthy.
State of Maryland XXXX Of The Commissioner and Financial Regulation is investigating Dovenmuehle Mortgage Inc. for all their wrong doing also. You may reached them at XXXX Multiple complaints regarding Dovenmuehle Mortgage Inc. has been reported for years to no avail. Something needs to be done. Thank you.
|
| 10/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX, XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender.
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.
|
| 05/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Mortgage PAID IN FULL on XXXX XXXX, 2016. Husband has called for return of original DEED OF TRUST, return of original PROMISSORY NOTE marked " paid-in-full '', and a RELEASE OF LIEN so we can file the appropriate documents with the county to show that there is no lien on our property. Basically, the mortgage company is lying to us already!! Customer Service says all this was sent by Certified Mail on XXXX XXXX, 2016. Postmaster says Certified mail is received in less than 5 business days. Mortgage company can not give us a tracking number for the Postmaster to trace this Certified mail. This is the LIE!!! I do n't want this situation to drag out over a long period of time and become an unsolvable " ISSUE '', requiring legal assistance ; even though my nephew is a lawyer. I can provide names and dates of phone calls to the mortgage company. I can provide copies if documents sent to the mortgage company, i.e., copy of the wire transfer where the credit union sent the payoff money to the mortgage company & the check where the mortgage company returned the escrow money to us because of the loan being paid off. I suspect the mortgage company has absolutely no idea where the Deed of Trust or the Promissory Note are physically located!! Probably, these documents have been LOST for years!! I expect the mortgage company to continue LYING by telling us that " we did this '' or " we sent that '' kind of XXXX. This is why I am asking for help from you. I am XXXX XXXX years old and want this situation completely settled and the proper paperwork filed at the county before I die! I have read the " complaints '' website on this mortgage company. It seems that this mortgage company will go as far as possible, evenly illegally, to hurt us. There is one complaint similar to ours where the homeowner has yet to receive documents after SEVEN years! There are many complaints alluding to payments being made on time, only to receive foreclosure notices. I expect to receive late-payment notices starting this month ( XXXX, 2016 ). There are complaints where this mortgage company receives insurance checks for repairs, ( i.e., windstorms or floods, etc. ) but does not release funds to pay contractors, leaving the homeowner responsible for all repair bills while trying to get the insurance payments " released ''. I feel as though I better start protecting myself from this under-handed mortgage company! This is why I am asking for your assistance right away.
|
| 07/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dealing with Dovenmuehle has been totally frustrating and I look forward to not having to deal with them in the near future. Their customer support is awful, to the point that they have given me wrong information on a couple of occasions, which is unacceptable! I have called them on several occasions, only to be put on extraordinary hold times or being abruptly disconnected.
As you know, I was hospitalized in XXXX and XXXX with a XXXX XXXX which, fortunately, has now gone away. However, there was a glitch in XXXX, where XXXX posted my monthly payment late and they have no explanation. See below As you can see, my XXXX payment was not made until XX/XX/19 for reasons unbeknownst to me and my payment was marked late. Since the Internet at the hospital was very spotty, I was unaware of this and Dovenmuehle only communicates via snail mail. They did not re-submit the payment until well into XXXX, they never called me, and I am at a loss to explain why, causing me to be 30 days late unnecessarily. Needless to say, I am at a loss to explain why this happened and Dovenmuehle says that it is XXXX fault. Note that I never had any late payments before last XXXX ( see below ) and they could have been more accommodating, to say the least.
Then in XXXX, I again faced another calamity, this time by one of their own customer support representatives. They proceeded to tell me that I had made a duplicate payment in early XXXX and would re-post one of the payments for XX/XX/XXXX, saying that I did not have to make an XXXX payment at all.
I heeded their instructions. When I say a late charge for the XXXX payment in XXXX and not seeing the XX/XX/XXXX payment posted, I called Dovenmuehle again, only to be told that the XXXX agent made a mistake, that it would be corrected and that I would get a confirmation e-mail, which I never got. I did get the XXXX late fee credited, but I am at a loss to explain why I still have a negative on my credit report, even though I was told that it would be removed shortly. Needless to say, that never happened.
When I called a couple of weeks ago about this, I was again told that I had a duplicate payment in XXXX by this new agent, so right now I am at a loss to understand if I do or dont have a duplicate payment for XXXX, so I will leave it up to you to resolve this, as I am at my wits end here. I am tired of dealing with long hold times and inept agents, so I am counting on you to look into this for me.
|
| 09/09/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Back in XXXX of XXXX my loan servicer was XXXX at the time. I was going through some financial issues related to Hurricane Harvey and was nearing the threat of foreclosure. To stop this from happening I applied for loss mitigation in XXXX of XXXX. By the time the possible foreclosure date got around I had not been approved for loss mitigation yet. This resulted in having to come up with {$23000.00} to send into XXXX XXXX hired law firm, XXXX, via cashiers check to keep the house from foreclosing on XX/XX/XXXX. Conveniently on XX/XX/XXXX XXXX approved me for loss mitigation and I went ahead with signing the loss mitigation paperwork. I notified the law firm, XXXX, to not cash the cashiers check that was sent to them as they no longer needed those funds to come current. I went back and forth with XXXX for about a month and finally they notified me that XXXX requested that they send the check to them directly. XXXX ended up cashing this check on XX/XX/XXXX in which I confirmed with XXXX XXXX XXXX that is was officially XXXX who did cash the check. With this being done, there was no reason to keep the lien on my home from HUD. Nor was this additional {$23000.00} reflected on anything. My loan was then transferred to Dovenmuehle on XX/XX/XXXX.
Come present day, I am in the process of trying to sell my home and the only item keeping this from happening is the XXXX that was wrongly put on the house by XXXX or XXXX knowingly cashed a check that should have not been cashed. After dealing with XXXX for over a month they notified me on XX/XX/XXXX that I have to get this lien removed by Dovenmuehle. Why this was not said to me We have even reached out to XXXX and they informed us that " Dovenmuehle recorded the mortgage in HUD 's name but they haven't filed a partial claim with HUD yet. '' I reached out to Douvenmuehle whom is my current lender to seek immediate help and was given the same routine as XXXX gave me. Basically fax all information to their research department and I would hear back in 48 hours. Mind you, the overwhelming amount of evidence and documentation that has been sent to both lenders should make this a very easy process. I called today, XX/XX/XXXX, because I had not heard anything back and was told that I had to wait 72 hours before getting a response. I am at a point to where I am threatening legal action and the representative said they would escalate to a manager in hopes that I hear back soon.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle is overcharging me for insurance.
The problem began when they were late in paying for my homeowners insurance policy because they were late the insurance I had secured canceled my policy now Dovenmuehle expects me to pay for the months that didnt have insurance because they were late in making the payment.
I started getting notices back in XX/XX/2020 stating they didnt have a policy for my home on file. I let them know that I had obtained Bankers after XXXX XXXX canceled my original policy. Bankers notified Dovenmuehle in XXXX that they had a policy for my-home at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX.
Dovenmuehle didnt pay for the policy until XX/XX/2020. Bankers canceled the police as of XX/XX/2020 do to non payment and wouldnt reinstate the policy because it was late.
Dovenmuehle made two payments to Bankers one for {$2200.00} and {$22000.00} for a policy that was {$2200.00} a year.
On XX/XX/2020 I received a phone call from XXXX XXXX who said he works in the escalation department or Dovenmuehle and that they had finished their escrow analysis into the shortage and I would be getting a letter in the mail detailing the outcome but he did tell me that I would not have to pay for insurance for the laps of time XX/XX/2020 to XX/XX/2020 because of the mistake with the payment.
Now Dovenmuehle has sent me a letter stating they are charging me over {$600.00} for the laps from XX/XX/2020 till XX/XX/2020 and telling me I have to pay this amount even though IT WAS THEIR MISTAKE THE INSURANCE WAS NOT PAID ON TIME.
DOVENMUEHLE IS TELLING ME THAT I HAVE TO PAY FOR TWO MONTHS OF INSURANCE THEY DEEMED I HAD NO INSURANCE EVN THOUGH THEY DID NOT PAY IT ON TIME WHEN IN FACT THERE WAS ONLY ONE MONTH WITHOUT INSURANCE DO TO THEIR MISTAKE OF NOT PAYING FOR THE INSURANCE ON TIME.
Allied trust did not cancel my insurance until XX/XX/2020 as the attached document will show.
REVIEW Dovenmuehle did not pay Banker insurance on time so Banker canceled insurance policy.
Dovenmuehle sent me a new letter telling me I had to pay for two months do to their non payment to Bankers.
Dovenmuehle is OVERCHARGING two months for insurance do to their NON PAYMENT of the Bankers policy on time.
XXXX XXXX from Dovenmuehle said they were waiving the two months that had no insurance policy do to DOVENMUEHLE LATE PAYMENT to Bankers.
Attached you will find the documents supporting my claim against DOVENMUEHLE
|
| 05/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed an insurance claim and received a check for the repairs for over {$25000.00}. the check was issued to myself and my wife and my mortgage company Dovenmeuhle and my adjuster. My wife and I endorsed the {$25000.00} check and sent to Dovenmuehle. they returned the check and said all parties had to endorse. So I had my adjuster endorse and we sent to them. Dovenmuehle received the check and placed in an escrow and has not released any money at all. They sent us a letter we needed to file a certain documents including a proposal for repairs. We filed one and they did not accept cause the total amount of repairs was less than the amount of the loss. So we filed a second on for {$38000.00} and have waited for them to release part of the funds and they have not issued any money. Dovenmuehle have sent like XXXX letters telling me about the insurance loss and they I need to bring this matter to a close. How can I close this issue if Dovenmuehle is holding the money!! They send me from the loss draft department to the loss mitgagtion department and neither department has resolved our issue. I know our account is past due but we are unable to make the full payment. we had a business and has to close it down due to government intervention. so we lost all the revenue we had.
My wife and I had filed loss mitigation request to adjust our payment. Well the loss mitigation forms were filed last year. we sent them tax returns, bank statements and all items required. They tell me that the committee has to resolve the issue but they cant tell me when the committee meets and when the date the item will be resolved.
We have XXXX isssues - the loss on my home and the loss mitigation request. They have comingled both issue and have not issued any money to me. I have waited 5 months and nothing has been done. I have offered for them to take part of the proceeds and pay the past due amount but they refuse to do that. So basically they are telling me I cant get my money until the loan is paid off. My attorney sent Dovenmuehle a letter that we wanted to file a law suit to have the money sent to a court and the court resolve the distribution of money. However I do n't have money to file the law suit. Dovenmuelhe has not responded to any of my requests. They have not sent me any money at all. They are holding my money in escrow and cant pay the past due amount. That money is mine and I can do what I want with it.
|
| 02/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehles bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted
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| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Currently disputing information with all XXXX credit agencies, dispute is with lender and information they are reporting to the credit agencies.
XXXX XXXX XXXX XXXX XXXX, HI XXXXLast XXXX SS # XXXX ( XXXX ) XXXXXXXXDOB : XXXX/XXXX/XXXXI would like to formally dispute the following on my credit report : XXXX XXXX Ending : XXXXOpened : XXXX/XXXX/XXXXType : Mortgage LoanLoan # XXXXProperty Address : XXXX XXXX XXXX, XXXX, NV XXXXMailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXXItems in dispute:1. Balance {$180000.00} : This is not correct. The loan balance has been paid in full effective XXXX/XXXX/XXXX. Please refer to the documents " Payoff Statement '' and " Wire Verification '' which show the amount the lender required to settle the balance on the account in the amount of {$190000.00} and the amount paid with by a wire transfer in the amount of {$190000.00} from XXXX XXXX XXXX. Please contact XXXX XXXX with XXXX XXXX XXXX for additional information regarding the transfer or payoff statement. ( XXXX ) XXXX or ( XXXX ) XXXX.
2. Past Due Amount {$13000.00} : As mentioned above, the loan balance has been paid in full.
3. Delinquent Payments : This information is not correct. Per an email sent to me on XXXX/XXXX/XXXX by XXXX XXXX, a Loss Mitigation Processor with Dovenmuehle Mortgage, a hold was supposed to be placed on all credit reporting activity until a decision was made regarding my request for a short sale and loan modification. I never received written or verbal notification indicating whether or not a decision was made regarding the request for a short sale. Delinquent payments were not supposed to be reported to the credit bureaus until a decision was made to accept or decline the short sale offer, after which I would then be given an opportunity to pay any delinquent payments before reporting to the credit bureaus. Since full payment of the outstanding loan balance was received prior to the lender making a decision whether or not to accept the short sale, no delinquent payments should have been reported to the credit bureaus. Please refer to the enclosed emails.
4. Foreclosure initiated/started : This is not correct. A formal notice of default was never filed with the XXXX XXXX XXXX Office in the State of Nevada which is required to initiate any foreclosure proceedings within the State of Nevada. Please refer to the document titled " XXXX XXXX XXXX XXXX XXXX. ''
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| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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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.
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| 03/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I submitted documentation providing a new flood insurance on my policy and asking for a new escrow analysis.
Was told one would be automated and sent to me.
Two days later I called back asking for an update and was told by a different customer service rep that escrow analysis were done once a year. Then transferred to a supervisor and told I should just email a hardship request to have the escrow amount spread out over a period of time, that way my payment would go down.
I emailed the given email with the request then checked back a couple of days later to ensure delivery and was told by a csr that I have to handwrite the letter and the request for hardship hasn't even been forwarded to anyone. I explained to this csr that all I wanted was to have the escrow reanalyzed. I then asked what it would take to close the escrow account completely and she told me that due to the nature of the loan, it was impossible. She assured me that the request for reanalyzing my escrow was open and it was being expedited and told me to call back on the XXXX of XXXX.
Called to check status on the XXXX and was told by csr that the escrow analysis request was open but not completed, and she wanted to transfer me to the insurance dept to get more info.
Spoke with csr named XXXX who informed me that there was NO open request for analysis but she could open one and it would take 4-10 business days to complete and then I could wait on a letter from the escrow department regarding my new payment. Asked to speak with supervisor. Supervisor reiterated the same thing, that no analysis was open already and I'd have to wait. She then forwarded me to her supervisor named XXXX XXXX. Who let me know that all of the previous CSRs never opened an analysis and that " 4-6 more days isn't that long to wait '' even though I've been waiting since the XXXX.
I inquired again about closing the escrow acct in it's entirety and was told federal laws would not allow that with my flood insurance and it would take 5 or so business days to find out if my homeowners insurance would be able to be out of an escrow account and I'd have to be transferred to another department to inquire about taxes.
This company has been disrespectful and deceptive and has lied about my money numerous times. I request this mortgage company and their practices be audited to save consumers valuable time and money.
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| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.
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| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a notice from our appraisal district stating that our XXXX Property Taxes were not payed. On this notice it stated that added interest had started accruing in XXXX on top of the original amount that was not payed. This was the first letter I had received from the appraisal district notifying me that the property taxes had not been payed In XXXX of XXXX. This is a new home that we bought in XX/XX/XXXX. In closing we set up an Escrow account with XXXX Mortgage and put down a payment of {$1500.00} towards escrow. When the account was set up we started paying towards the escrow account monthly starting in XXXX when the first payment was due for the house. I have been dealing with XXXX customer service for a month now trying to get this issue resolved. I sent them the notice I received in the mail as well as the XXXX tax statement that we received in the mail stating what our XXXX property taxes amount owed and it states at the bottom of the statement, please do not pay original has been sent to mortgage company and it has the mortgage companys name and mailing address. For 3 weeks now customer service stated that they were at fault and they will be sending a check to the appraisal district with the added fees, and that I am not responsible for the added fees. I called customer service again on Friday XX/XX/XXXX, because I saw that a Tax Penalty was added to my account online for {$730.00} that was taken out of my escrow account. The customer service person stated that she will be putting in a work order to have that removed because they are responsible for the added fees and to call back next week to make sure it was resolved. I called XX/XX/XXXX to check on the status and I was told that now I am responsible for the added fees and I will be receiving a notice in the mail stating the reason why. I was also told that the original payment for the XXXX property tax amount was my responsibility and not theirs and that is why I am at fault. As of my statement on XX/XX/XXXX my escrow account balance is now - {$1800.00}. I also see on my online account that on XX/XX/XXXX a check was sent to me at an address that does not exist for {$3800.00}. I tried resolving this issue as well because now I dont know where that money is and can not get a straight answer. I still do not know if the mortgage company has sent a check to the appraisal district.
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| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Good day, My wife, XXXX XXXX, just spoke with a representative named XXXX, and asked to speak to the supervisors of XXXX XXXX, our single point of contact - XXXX and XXXX ; she also requested ANY supervisor to speak with in regards to multiple questions we have had since the first of this year and have never received return calls with answers. She was informed by XXXX that the supervisors she reached out to advised HER to handle the situation with the phone call, therefore completely dismissing our need for assistance from a higher level employee of your company. This is beyond poor practice to dismiss a customers request for additional assistance!
Dovenmuehle Mortgage , Inc., claims to have made multiple return calls- unfortunately, the company did NOT pay attention to emails, nor multiple conversations with a multitude of representatives of this company, since the first of XXXX, when it was stated by my wife, XXXX XXXX, that you must call back on the XXXX phone number or the XXXX phone numbers that were provided to this company, and that the company has on file, AND that you must leave a message as my wife is not often right beside either phone, due to the nature of her business. Dovenmuehle Mortgage , Inc., COMPLETELY ignored this directive, that was expressed to the company multiple times, therefore, the company has been calling a number that is a valid number, but does NOT receive voice mails.
We have questions that need answers ; we need help ; we are trying to enter into a loss mitigation package with Dovenmuehle, so that we can stay in our home, and the company has not done anything to help us! The companys representatives were notified of what specific number to call back, yet nobody at the company utilized that information to assist us. Today, the representative, XXXX, actually went in the system to change the primary contact phone number- NOT ONCE in the last 9 months has ANYONE at your company bothered to do so! We did our part ; we gave Dovenmuehle the appropriate contact information, yet your company chose not to use it. This company did NOT do their part in assisting a customer who genuinely needs help and answers.
Representative XXXX filed an official complaint within Dovenmuehle, on our behalf, and advised that someone would be reaching out to advise on that complaint. They have been given the appropriate numbers to return the call.
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 07/08/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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On Wednesday, XXXX XXXX we informed Dovenmuele Mortgage that we wished to pay off our mortgage, and was told by the representative we were talking to that we had to have a closing statement ordered before we could pay our loan off, which she told us she would order to be completed by Friday XXXX XXXX. When we called on XXXX XXXX though no closing statement had been prepared, and they could find no record of one having been ordered leaving us to attempt to our mortgage off online. But it would only allow us pay {$6600.00} toward the principal, and another {$760.00}, which we put in the other category, since it would not allow us to apply anymore toward the principal. As we had still not received a closing statement on Tuesday, XXXX XXXX, we called Dovenmuehle again at XXXX, and talked to a supervisor, who told us she would request that an expedited closing document to be prepared and faxed to us, that was supposed to only take from 2 to 4 hours, and that she would request that the additional {$760.00} that we paid on XXXX XXXX, which should have been applied toward the principal, but was n't, be applied toward our principal balance. On Wednesday afternoon, XXXX XXXX, a day after we were supposed to have received a closing statement, we finally received a closing statement from Dovenmuehle, although the payoff amount was incorrect, as they had still not applied the extra {$760.00} we paid toward our principal, as they were still holding it in a suspense account, and charging us interest on that amount. While talking to a supervisor later in the day on Wednesday XXXX XXXX she suggested that we wait until they apply the extra {$760.00} toward our principal, which she told us could take up to 5 days, and then request another closing statement to keep from confusing their accounting dept. Although we have called and talked to a supervisor every single day since XXXX XXXX, and even filed a complaint with the XXXX, they have still not applied the extra {$760.00} we paid on our loan toward our principal, and have still not provided us with an accurate closing statement. We simply wish for them to credit the {$760.00} we paid them toward our principal, provide us with an accurate closing statement so that we can pay our loan off, and take off any interest that they have charged us on the {$760.00} they have been holding in their suspense account.
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| 06/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our property taxes are escrowed with our mortgage company : Dovenmuehle. Our XXXX property taxes were due XX/XX/XXXX but Dovenmuehle failed to pay these taxes. I received a letter from XXXX XXXX XXXX XXXX XXXX informing us that our property taxes were delinquent on XX/XX/XXXX. I immediately contacted Dovenmuehle and was finally able to find out that they had sent the tax payment and a portion of the late fees via regular mail. I received a 2nd letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that there was still {$50.00} due in late fees and that they have placed a lien on our property! I immediately went to and paid the remaining {$50.00} out of our own pocket to ensure that our house was not foreclosed due to Dovenmuehle 's lack of action.
I have spoken on the phone to Dovenmuehle at least 3 times : XXXX and supervisor Candle on XX/XX/XXXX, supervisor XXXX on XX/XX/XXXX ( who was supposed to follow-up with me but never did ), and supervisor XXXX on XX/XX/XXXX. Each time I was advised to email XXXX. I emailed this email address on XX/XX/XXXX and XX/XX/XXXX. I received a response on XX/XX/XXXX that " Our records indicate that we disbursed to the XXXX County on XX/XX/XXXX in the amount of {$3600.00} from your escrow account. We are next scheduled to disburse the anticipated amount of {$3100.00} in XX/XX/XXXX. '' This amount does not include the {$50.00} that was still outstanding so I contacted Dovenmuehle via phone and spoke to supervisor XXXX on XX/XX/XXXX. He again advised that I send proof of payment to XXXX.
He confirmed receipt of the documentation on XX/XX/XXXX and assured me that it would be addressed and he would confirm with me XX/XX/XXXX. I never heard from him again. After resending the information on XX/XX/XXXX, I finally received an email response on XX/XX/XXXX that " Our records indicate that this matter was researched thoroughly, and it was determined that your taxes are paid current. We are next due to disburse a {$3600.00} tax payment on your behalf to the XXXX County Tax Commissioner in XX/XX/XXXX. '' I responded again on XX/XX/XXXX with documentation stating that they still owed us {$50.00} but don't expect a response. Hours on the phone over at least 3 calls and 5 emails later, we are still out {$50.00} with a lien on our record for 7 years. The customer service at Dovenmuehle is atrocious!
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| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle customer service is unable to resolve problems that arise for their consumers.
Over the last year, I have had to call multiple times for issues with tax forms, escrow accounts, and taxes. The agent who answers is usually unable to help. When you ask for, " manager, '' they will transfer you to another, " customer service specialist, '' which means another agent usually just sitting next to the first person I spoke to. Not actually someone with answers or with authority to make changes or review acocunts. My tax form was inaccurate. I spent upwards of 20 hours on the phone with them and it was never resolved.
My tax bill for XXXX was not paid from the escrow. I have called many times and I was told it was paid [ see the transaction record below that does not show XXXX taxes paid ). When I ask them to look for it in the transactions, I have been hung up on. I also was told, " we are sending the payment, '' and then hung up on. During these interactions, I am calm and kind but I still hung up on ( even after 4 transfers and hours on the phone ). On XX/XX/2020 it was recommended to me to email with tax bill which I did [ XXXX ]. I have emailed 5 times without response including messages to these secure messages online without resolution. I also found an email online for XXXX which I sent.
It has been over a month without a response.
You can not communicate directly with the escrow or tax departments. Supposedly they can not reach them except for faxes. Regarding my tax form, I was told my case was expedited and that someone from the legal department would call me in 24-48 hours. I did not get any communication.
Their chat function is rarely available.
The only thing I can do is call, wait on hold, explain the problem either to be transferred to another, " customer service agent, '' who will later transfer me again to another " customer service agent, '' or hang up on me.
I don't know their legal obligations to their customer but their customer service practices are by far the worst I've experienced at any company. Ever. They outright lie. And they don't care, because who am I to them? I am a voice on the phone who is easily dealt with by hanging up when they don't have the answers. It is clear that they do not value helping their customers quickly and don't assist them to painlessly resolve problems that arise.
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| 08/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XX/XX/XXXX to eliminate any financial penalties (late fees, credit worthiness) after suffering from an unfortunate and unforeseen life event leaving me with a $XXXX bill. I was assigned to XX/XX/XXXXTay who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehle’s bank couldn’t process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasn’t correct. I called XX/XX/XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially (reporting and fees) and she stated it would not. If she had responded to questions differently (accurately) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist (XX/XX/XXXX Tay) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with (&was told this would be the agreement I needed to honor for 12 months) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately
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| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle loan servicer I have paid on time, never missing a payment when I did a refi of other loan I paid may payment plus XXXX. & XXXX over for principal Then new loan required both loans to be paid XXXX payments to finish due to XXXX credit union putting my loan in forbearance without my permission or request Paid XX/XX/XXXX {$600.00}.
Paid XX/XX/XXXX {$580.00} Paid XX/XX/XXXX {$680.00} XX/XX/XXXX paid {$700.00} for payment +principal Paid off the loan in full 5 times XX/XX/XXXX paid {$22000.00} principal balance of loan.
Dovenmuehle said payoff amount after that payment was {$4800.00}. Paid that XX/XX/XXXX ( sent back to me ) Continued to make payment + principal.
XX/XX/XXXX paid {$2600.00}. New payoff total. ( Was sent back due to not sent through certified funds ) XX/XX/XXXX paid paid {$1500.00} XX/XX/XXXX paid {$1500.00} XX/XX/XXXX {$790.00} plus {$2700.00} {$100.00} the said payoff amount. Sent to exact mailing address specified for payoff in a certified check as requested.
Paid {$690.00} XXXX XXXX XXXX XXXX Called every month after sept for 4 months being put on hold for hours and every task filed by them to send to research the check was filed wrong task to locate the check. ( Never found ) Paid to cancel check then sent XX/XX/XXXX I was charged interest on a loan paid in full.
XXXX servicer paid the property tax {$590.00} The escrow account should have covered however if it did not the payment on XX/XX/XXXX of {$690.00}. More than covered it.
I was sent a new payoff of {$820.00} covering all fees, interest, etc I pad XX/XX/XXXX in the wire transfer as specified. I was sent back to my account 3 days later. After spending {$35.00} cancel check fee, {$35.00} wire transfer.
I paid the 2nd installment property tax XX/XX/XXXX I paid new insurance company for full year {$700.00}.
Which they also sent to them 3 days later.
They received check back for {$700.00} I have been harassed daily by phone and mail with interests charges, escrow interest charges, and late fees on a loan that has been paid in full since XX/XX/XXXX. I have been sent threatening letters stating I will loose my home. My tenants were also given notice of sale of the home. I am being charged for survey of the home as well.
The loan number I have been paying on is not the same number the county clerks office has.
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| 01/06/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I received a 18 month Covid forbearance because I experienced hardship during the pandemic, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called my mortgage company on XX/XX/XXXX to discuss payment options since the forbearance was ending and the representative advised I could apply for a VA Disaster Modification which did not require an application or documentation to be provided. I advised the agent I wanted to proceed with this option. I called the mortgage company in XXXX, XXXX, and XX/XX/XXXX and also called in XX/XX/XXXX. I told that my VA Disaster Modification was denied and that my loan was being transferred to a new servicer who would assist me with modifying the loan. Something didn't feel right about the call so I called back in a few days and a representative told me that I was provided incorrect information and that my mortgage was not being transferred to a new servicer but that the Disaster modification was indeed denied and the only option I had was to apply for a full modification. I explained to the representative that I have been told month over month that met all requirements for the VA Disaster modification and that I just needed to wait for the review and I would receive the modification documents in the mail that would explain my trial and repayment period. I said it was very frustrating to wait 3 months and now have to start over and have to complete a full modification application and provide bank statements, tax returns, and paystubs. I said I do not want to apply for a full modification and am just trying to resume payments but I understand there is a 18 month forbearance balance that needs to be added to the end of the loan or some other action. The representative then advised that I may be eligible for the VA partial claim that would create a separate Note for the 18 month forbearance balance but the representative did not know how to complete it. I asked to speak with my assigned loan workout specialist or to a supervisor and the representative told me that she can not transfer me and can only send them an email and ask them to return my call.
I just need help to speak with the correct department/person to confirm what steps I need to take to resume making my mortgage payment. I do not want to apply for a loan modification and should not have to do that.
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| 05/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My refinance was completed XX/XX/XXXX. My Lender is XXXX XXXX XXXX XXXX California ( c the mortgage company handling my mortgage is Dovenmuehle Mortgage XXXX Inc.. My first payment I made was XX/XX/XXXX. I have been experiencing several issues with the Credit Union ... and Dovenmuehle, as I try to make principle payments. I called CUSC on XX/XX/XXXX, to set up auto pay. After experiencing months of issues with auto pay, I had to manually pay my mortgage and principle. I was locked out of my mortgage online payment in XXXX and XXXX, because it showed I paid my mortgage, and I had not paid. On XX/XX/XXXX, I contacted CSUC when I couldn't make my payment, and a Dovenmuehle representative helped me. The Rep. also, told me she put a note on my payment with the amount for the principle.
XX/XX/XXXX I called again XXXX to get help to make my payment. Again, I was transferred to Dovenmuehle and had to deal with a reprentative for 1 hour and she was not helpful. She refused to pass me on to a manager. Eventually, she passed me to a mortgage representative who said he completed the transaction. The representative also said, he was sending me a receipt for the transaction. Which I never received. XX/XX/XXXX, I recieved 4 confusing notifications from XXXX. One said, I owed my regular mortgage for XXXX, another said, I owed {$2700.00}, and another said I owed my XXXX mortgage payment? I was very confused!! I looked at my account and found my XXXX mortgage was still in my checking account. I contacted XXXX asked to speak with a manager and I was passed onto a customer service supervisor, who transferred me back to Dovenmuehle. This time I spoke with XXXX who is the manager and he reassured me that he would complete the transaction including add my additional principle. I trusted XXXX because he is the manager and he waived my late fee. XX/XX/XXXX I received a dedelinquent notice from XXXX. I was very upset, and contacted XXXX, who ressured me he completed my mortgage payment, but forgot to complete the principle.
I believe I have been so patient ... and I honestly I no long trust this mortgage company. I paid {$3000.00} in fees during my closing cost. I would like to get help with getting a portion back, so I can find another mortgage lender. Please provide me with feedback.
Thank you, XXXX XXXX XXXX
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| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To whom it may concern, My mortgage loan is with with Dovenmuele Mortgage - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by Dovenmuehle. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed Dovenmuele six times regarding this error.
The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my Dovenmuele mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. Dovenmuele has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} XXXX this was the amount transferred to the new mortgage company ). Additionally, Dovenmuele has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020.
I have contacted Dovenmuele regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and Dovenmuele still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, Dovenmuele has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with Dovenmuele has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.Dovenmuele is breaking the law under The Cares Act and refusing me an accommodation that is being provided to so many other patrons.
I am requesting that Dovenmuele send a correction report in the areas mentioned above to the 3 credit bureaus XXXX, XXXX and XXXX as soon as possible so that my credit report may once again be in good standing.
Thank you for your support in this matter.
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| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have a Credit Union that is our Mortg. Co. so we thought. They have a service company Called Dovenmuehle in XXXX IL. that we have called. Since XXXX we have been trying to work with these two company on XXXXabout we received foreclose notice that our home will be foreclosed on XXXX, We were 1 month late XX/XX/2020 after speaking to many people at the XXXX XXXX XXXX and Dovenmuehle without any luck and not getting help with our mortg. has a forebearance would not work for us because my Husband is out of work for the year. He is a XXXX and all schools are closed up. We called got people like XXXX XXXX, XXXX XXXX XXXX never returning our calls, finally we spoke to a so called VP but he list 's himself has a c.s. rep. and he said you have forebearance in we never signed anything with the companies listed above. After much thinking how this service motg. company works and seeing the hundreds of complains about them and having the order to foreclose XXXX we choose NOT to go with the forebearance. We took all of our savings and then some and paid our XX/XX/2020 payment of XXXX we had to mail it in cause the XXXX web site would not take the payment. They finally received it today ( XXXX ) We only have to make XXXX and my son is helping us with that. Because of the lack of work, Covid-19 Crisis and having to pay our XXXX property taxes XXXX we are in a horrible money crunch. If this company would have attached the 3 months on the back of the loan we would be able to get food for our family. Has it stands this companies have given us Money Hardship in these Crisis times when everyone can not leave their homes, no work no money and stuff goods are expensive. We want this company to honor our payment without late fees and send us a letter stating our credit is ok. Also we want them to send that the foreclosed notice was in error that is what XXXX XXXX informed us on the phone I can not and will not trust these companies anymore and it is sad they would not work with us. We live in XXXX Ca. our XXXX. XXXX stated no foreclose action yet we got one. I want this taken care of asap, and a letter stating we are current with the payment since that call we made and we made several we have not heard from either the XXXX Co XXXX XXXX or Dovenmuehle Company. Discussed with all of these issues. thank you
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| 06/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I do not pay property taxes in Illinois because I am a XXXX veteran from injuries sustained fighting in XXXX. I bought my property XX/XX/XXXX, since then I have been escrowing taxes as if I owe the full property tax ( approximate {$4200.00} ). In XX/XX/XXXX I received the correct tax bill ( {$750.00} total for XXXX, only because I did not live at the property the full year ) and requested my lender refund me the overpayment ( I've completed this task 3 times in the past with different lenders, never had an issue ). My current lenders own Escrow analysis conducted in XXXX shows that they will collect XXXX in taxes ). In 5 attempts the lender refuses to give me back the excess in escrow and keep repeating that they have not receive documentation on my behalf which is not truthful since I have email receipts with attachments ( the excess was not paid to the county, but remains in escrow ). Additionally, I then requested a new escrow analysis but they do not want to execute it. I have made attempts to rectify this but they keep ignoring my main requests. My monthly mortgage payment would be lowered considerably each month if they would just help me. Additionally, I received another email from my lender saying that next year I have a tax liability of {$350.00}, which makes no sense since next years tax bill has not been created. Every time I reach out they give me wrong answers and avoid my request. My Lender is XXXX XXXX ( Dovenmuehle Mortgage Inc ).
*** taxes in Illinois are paid in arrears *** additionally Donvenmuehle bought hazard insurance on my behalf in XX/XX/XXXX in the amount of {$1800.00} to cover the property in question, in the past week I showed them the property was insured with my own insurance company and proved coverage for XXXX and XXXX. I would not have been allowed to buy the property if I did not provide proof of hazard insurance for the whole year. The lender stated on XX/XX/XXXX " Our records indicate that on XX/XX/XXXX, a hazard insurance refund deposit was made in the amount of {$1400.00}. '' They bough insurance when they didnt have to. I am telling you this because If you reach out to the lender this amount is yet to show on my escrow balance and therefore If I ask for the tax reimbursement they will say that my escrow has no overage amount for taxes.
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| 11/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I submitted a CFPB complaint in XX/XX/XXXX against my mortgage loan servicer, Dovenmuehle, a subsidiary of XXXX XXXX XXXX, who sold Dovenmuehle my loan soon after purchasing my home in XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle had misreported my taxes owed and had inflated my monthly payments incorrectly. I spent months attempting to get them to resolve the issue ( see attached original complaint ).
On the evening of XX/XX/XXXX, I received a response from Dovenmuehle stating that they had corrected my tax lines, but they were still awaiting a corrected escrow analysis to be ran, so they could not tell me what my monthly amount owed is.
Despite all of this, I have continued to pay my original mortgage payment through XXXX XXXX with the same staff processing the payment on time each month ( see attached proof of this communication for XX/XX/XXXX ). I had asked for confirmation that Dovenmuehle would hold off on any credit reporting/late fees given that they still can't tell me what my monthly amount owed is. I have documentation with this same XXXX XXXX staff for each month since the issue began documenting that I had paid on time.
Dovenmuehle has reported to the credit bureaus that I am behind on my monthly payments, despite not being able to tell me what I owe, and despite me continuing to pay on time. This week, I received a notification that my XXXX score dropped XXXX points due to this incorrect reporting.
Furthermore, in their response to my complaint, they are still incorrectly reporting my taxes. On XX/XX/XXXX, I attained the attached tax analysis documenting my the actual taxes owed on the property for the last several years. Since I attained the property, according to DC Office of Tax, what I have owed is the following : XXXX half of XXXX - XXXX ( paid at closing ) XXXX half of XXXX - XXXX XXXX half of XXXX - XXXX Dovenmuehle is stating that I owe for the second half of XXXX and the first half of XXXX the amount of {$1800.00}. I am not clear on when these figures are coming from. I sent the corrected tax analysis to them on XX/XX/XXXX, and still have received no response.
To summarize, Dovenmuehle did not resolve any of the issues in my original complaint, as I still do not have the tax lines corrected, nor a corrected escrow analysis/monthly payment.
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| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XXXX of 2022, I applied to assume my mortgage entirely from my husband as we are planning a separation. I contacted the bank, XXXX and Dovenmeuhle the servicer of the mortgage.
They said the process would cost {$900.00} and I had to submit this with my application, but as long as I qualified and provided the documentation I could continue with the process.
In early XXXX, my assumption was approved by Dovenmeuhle. They sent me the paperwork/package towards the end of XXXX. I think I finally received it on XX/XX/XXXX. It was extensive and I had to get things done I hadn't expected, but that was okay. I reviewed that to see what else was required to continue with the process.
By XXXX XXXX, I had everything ready, but this was XXXX and I would have to wait until after the holiday to finish up and send the final package back to XXXXDovenmeuhle to close.
Upon returning from a holiday break, XXXX XXXX, I was going through the mail that had stacked up and noticed a letter from XXXX that my mortgage had been sold to a new bank - XXXX. In the meantime, all of my paperwork is ready to send back to finish up the assumption.
I contact both banks, and basically, according to the banks there is nothing that can be done. XXXX sold my mortgage in the middle of the assumption process, XXXX won't continue the process based on my paperwork and existing application ( and credit check, approval, updated deed, etc. ). They said I have to start over and their terms are different than XXXXDovenmeuhle.
On top of that, I sent {$900.00} to XXXX for a process they essentially ruined by selling my mortgage. They did not mention the refund of my payment and said that after I sent an email they would decide whether or not it would be refunded. I haven't heard from them yet.
My complaint is first about selling my mortgage in the middle of business that I was conducting with them and knowing we were in the middle of something and not allowing it to finish or providing any sort of deadline or warning.
My second complaint is about refunding my entire {$900.00} payment. They should have offered that from the outset of knowledge of the sale. I should not have to ask for my payment back. At this point, I still don't know what that outcome and potential argument will be.
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from Dovenmuehle Mortgage , Inc., XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the XXXX program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the XXXX XXXX XXXX XXXX website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later.
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
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| 03/30/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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My hours at work were cut about a month ago, and after doing research and speaking to some people at HUD, I submitted with Dovenmuehle to get a mortgage forbearance under the CARES Act extension. Despite the Act including no language about needing to prove hardship, Dovenmuehle requires proof of hardship. So on XX/XX/XXXX, I submitted copies of paystubs so I could move to their next step, in requesting forbearance. When it appeared my documents were not being processed ( appeared stalled in queue ), I sent an email, same day of XX/XX/XXXX, asking both if they could provide an update on my specific file, and give me guidance as to what their hardship documentation requirement is, as it is absent from the Cares Act. A reply came on XX/XX/XXXX, stating that they are unable to assist over the phone and that I must call ( even though the ball is in their court, as I have submitted documentation properly ). So I called then ( XX/XX/XXXX ) and waited for OVER an hour, while being repeatedly assured someone would be on the line " shortly '' by their automated recording, holding for over an hour did not result in my ability to access a human who could assist me. I then emailed letting them know I can not wait for hours, plural, on the phone for assistance -- and made a request to find out how I can be assisted here. I let them know that if they put me off I will move forward with filing a complaint as it sure seems like Dovenmuehle takes steps to prevent people from accessing the Cares Act. I got a response this morning, XX/XX/XXXX, explaining the hold times are due to the pandemic, and offering no other support, directing me again to call the same number I had just explained requires hours, plural, on hold with no support. It is with the belief that Dovenmuehle has : 1. Added additional impediments to obtaining relief through the Cares Act, despite this not being their right to do so ; 2. Dovenmuehle then does not process their own required paperwork. ( So they add another step for the consumer, and then leave the consumer stuck at this step ). It is my belief that both of the above actions are both at odds with the nature of the Cares Act, and in an attempt to prevent people from accessing it. This makes me angry and I would like some answers and support.
|
| 12/01/2023 |
Yes |
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- Incorrect information on your report
- Account information incorrect
|
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Web |
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To Whom This May Concern : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.
|
| 12/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to.
I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of.
Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day.
I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle.
On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ).
OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person.
Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Taken out of forbearance without notification, reported delinquent to credit bureau and also transferred loan to new servicer.
Hello : The issue is Dovenmuehle mortgage although granted a forbearance, reported my loan as delinquent to XXXX and therefore I got a big hit on my credit score which until then was very good. Please see attached credit report - ( _XXXX Personal ReportXXXX ).
The forbearance was issued from XXXX to XX/XX/2020 but they went ahead and reported me delinquent for 60 days. ( Attached is their letter for forbearance - Letter from Dovenmuehle granting forbearance - XXXX ).
On XXXX, I sent them a certified letter asking for extension of the forbearance for which I did not receive any response back. Attached is the letter.
On XXXX and on XXXX they sent me 2 debt collection letters ( also attached ) but on XXXX ( in between the two letter mentioned previously ), they sent me another letter saying that I opted out of forbearance. I never did email, call or send a letter asking to discontinue forbearance and neither did they attempt to get in touch with me via any communication method. After receiving their letter dated XXXX, I called their Loss Mitigation department on XXXX, spoke to XXXX who said she rectified the forbearance expiration to until end of XXXX.
On XXXX, I received a letter from Dovenmuehle that my mortgage has been transferred to XXXX. Since then I contacted the Dovenmuehle mortgage customer service over the phone a few times but the agents were not able to help me saying that they did not have access to my forbearance information. One agent told me that the previous request with XXXX was still pending for over a month and no action was taken although XXXX told me that she granted me forbearance.
On XXXX XXXX I contacted them again and asked for a supervisor and they would not connect me and they took down my name and number and said someone would call and no call as yet and it is XXXX of XXXX. I also wrote them an email on XXXX to have them call me back or resolve my issue and have not heard back. I believe this is bordering on fraud that they took my mortgage out of forbearance to sell the loan. Need your assistance and help on this as I have exhausted all avenues with Dovenmeuhle.
|
| 03/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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My parents and I refinanced a property. We were not aware or told at the time of the mortgage signing that we would need to get Windstrom insurance. Eventually, after three letters that my father threw away, we were force-placed a policy in XX/XX/XXXX that lasted from XX/XX/XXXX to XX/XX/XXXX. This all was our fault. The problem begins here : we got our own policy put on in XXXX. While we were trying to get the mortgage company to update the policy, the insurance company cancelled a little over a month later for failing their inspection. We fixed everything and got another policy by XXXX. We got that second policy put on the mortgage and got a refund. The problem was getting the refund for the month of XXXX and XXXX. I had to call every week from XXXX through XXXX to get someone to help me. It was a nightmare because either they would promise to follow up and never would, or they would say I didn't have a refund to get. Finally after months, I got one person to listen. He followed up ( after constant emailing on my part ) and I got my money back.
I have two other problems. One came in XXXX after we finally got them to put our insurance on the mortgage ( it took two months for them to put the policy on the mortgage ). Our payments had gone from ~ {$820.00} to ~ {$3000.00} with their force-placed plan. In XXXX they tried to auto bill me for the {$3000.00} ( their automated payments do not allow for manual adjustments, so it is on them to change the amount billed ). I told them I only had the money for the correct ~ {$820.00} payment in the account and not the $ XXXX. They told I should pay the charged amount and try to get a refund after. Absolutely not!!! They charged me a non-sufficient funds fee, which I got back after calling ( again, multiple times ). Lastly, I just got a letter in the mail saying they dont have me down as having insurance on my mortgage. I am exhausted. Of course I have insurance on it, I just bought the policy in XXXX. These people are relentless and I am so upset to be stuck with them.
I am now trying to get hardship assistance for the coming months and I can not get through to their phone line or online application. They have drained my savings and now I fear not being able to make payments.
|
| 06/26/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I didn't receive notice of right to dispute. Federal law governing the collection of debts require a debt collector to include this in their initial communication ; ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be ASSUMED to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Dovenmeuhle has violated the FDCPA and I have included the initial communication that proves it failed to comply. Without knowing I had the right to dispute any alleged debts, I relied on information provided by the Consumer Financial Protection Bureau for guidance.
Based on the federal laws of the FDCPA, this notice would not have been included if the consumer has paid the debt. I do not intend to pay a corporation that is not able to provide me verification ( XXXX XXXX XXXX ) of the alleged debt, by mail.
DOVENMUEHLE MORTGAGE INC. ( DMI ) is a debt collector defined under 15 USC 1692a ( 6 ) ( F ) ( iii ). Under the FDCPA Creditor and Debt Collector are mutually exclusive. DMI stated, " language reading debt collection was included as, at the time your loan was transferred to our office, it was still reflecting due for its XX/XX/2022 payment. This is the standard verbiage used by our office on correspondence which may be sent to borrowers on non-current loans. '' 15 USC 1692a ( 6 ) ( F ) ( iii ) explains in further detail who DMI is in this consumer credit transaction that it purchased in a commercial deal between XXXX XXXX XXXX XXXX XXXX and XXXX.
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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On XX/XX/XXXX, I received notification that Dovenmuehle Mortgage, as the servicer for my mortgage with XXXX, had performed an escrow analysis on my home. Contained within the analysis were some factual discrepancies. My home is in two counties. One of those counties ( County 1 ) has a property tax of {$4500.00} and the other ( XXXX ) only covers a small strip of land in my backyard is {$290.00}. The XX/XX/XXXX escrow analysis showed County 2 tax as {$2400.00}. This error created a projected shortage and, consequently a {$600.00} increase in my escrow payments per month beginning with the XX/XX/XXXX payment.
Note : This same company was my servicer last year for my mortgage held by another lender. They failed to pay taxes in County 2 AND they shorted County 1. I received a notice of lien from County 1 before I could persuade Dovenmuehle to pay the back taxes. I ended up paying the County 2 taxes myself.
In any case, when I saw this escrow analysis, I immediately contacted the servicer on XX/XX/XXXX. I provided all the required documentation from the County to amid the escrow analysis including : the current year bill and the XXXX Notice of Taxes. I was assured the escrow would be completed promptly and that the new analysis would be completed within 14 business days. I have called every week since that 14 days expired and have been told it would be completed by the end of the week. My file has been " escalated '' five or 6 times ( their language ) to no avail. This week, as I prepared to pay my mortgage payment, I was, once again, told it would be next week and then 45 days later before anything would change.
I have read a bit on the laws associated with escrow complaints to loan servicers and found that they have failed to comply with any of the laws protecting my relationship with them. For example, they have never acknowledged that I filed the appropriate complaint as is required by law for them to do, in writing, within 7 business days of my complaint. Secondly, they have failed to resolve this complaint within 30 business days as is also required by law - as I understand it.
Please assist me with ensuring the company uphold the standards set for them and protects my interest in this property.
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| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX XXXXrviced my conventional mortgage which was paid and closed on XXXX. Upon closing, there was a remaining escrow balance of {$1000.00}.
On XXXX a check was supposedly sent to me to clear the balance. This would have satisfied the 12 CFR 1024.34 regarding timely escrow payments. I never received this check.
On XXXX, after reviewing personal documents, it was discovered that the escrow check had not been received/deposited into my account. A call was made to XXXX XXXX and a 60 day work order was submitted to investigate and re-send the check.
On XXXX, no check had been received and no information had been shared, so a follow-up call was made to XXXX XXXX No new information seemed to be available, so an internal expedited request was submitted.
On XXXX, no check had been received and no information had been shared to me. At some point along the way, the work order had been re-submitted and check had been re-ordered.
On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX It was shared that the check had been re-ordered on XXXX and that a check might have been sent on XXXX, but no confirmation could be made available.
On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX. During this call, it was indicated that the check had been sent on XXXX and that it should arrive within XXXX business days ( no later than XXXX ).
On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX During this call, a new expedited request was submitted, but no resolution was reached. I spoke with multiple supervisors and managers. One of which revealed that no actual request had been submitted on XXXX, and there was no evidence of a check ever being cut on XXXX.
I have yet to receive the escrow check or any tangible information regarding the payment. All along the way, no email, digital communication, direct point of contact, work order ID number, or any other convenient mechanism to track the issue has been made available. When asked how to submit a formal complaint, XXXX XXXX XXXXnvited me to send them snail mail.
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| 08/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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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.
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| 10/12/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In the month of XX/XX/2019 my mortgage servicer contacted me by mail with a statement pro-warning that my HOI policy has expired and that I will need to find coverage soon or else they will provide coverage to me. I immediately called to figure out what exactly is going on. My HOI has never expired its always been paid via escrow acct from this mortgage servicer Dovenmuele. I also confirmed with my HOI through XXXX and they confirmed policy is still active. I submitted proper paper, work ( dec. Page ). as I was instructed to do so by Mtg servicer. from that step everything were suppose to have gotten resolved. Well within 30 days I get the same letter warning me again of expired HOI. I call again explaining, I sent another declaration page over. I even got XXXX XXXX involved since that's the lender who originated my loan and still owns it. I was told by a rep at XXXX XXXX that she would escalate this issue to upper management that was back in XX/XX/2019. Never received a call back to update me or nothing. Effective XXXX XXXX, Dovenmuele drafted my escrow acct a sum of {$3700.00} as an HOI disbursement, in which they should not have. Now I'm angry and mortified!!!! Due to the simple fact this matter should have all been resolved. I sent proper documents, Just to confirm with CFPB Dovenmuele has already drafted my acct for my HOI premium for this year on XXXX XXXX the same as they always do every year in that month, I have never encountered a issue with my HOI. NOW my escrow acct is extremely short of funds to cover my property tax bill that's due on XXXX XXXX. I am asking that the CFPB now gets involved in this matter before this turns into a big legal case with my attorney. I am hoping to get this matter resolved by two weeks or less as my property tax bill is nearing. I feel taken advantage of, I am hurt and angered of such carelessness, the level of incompliance and lack of structure and customer service. I can not tolerate this mortgage company servicing my acct any longer as I am afraid something illegitimate may take place again as this is only of a few complaints and issues I've experienced with this servicer. I also attached proof of paid HOI for XX/XX/2019 and my Mortgage acct activity.
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| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Lender : Dovenmuehle Mortgage ( MI ) Payment Amt : ~ {$1000.00} Loan Term : 15-yr Issue 1 : Lender reported 3 Cares Act, 90-day forbearance payments as delinquent to credit bureaus. Since corrected, but has caused lingering credit score issues as I've had to acquire new insurance and look into loan/mortgage refinancing options.
Issue 2 : Unrealistic hold times when calling in. Sometimes as " short '' as 25 minutes, but have had 45+ min wait times. Have also been hung up on several times resulting in waiting 25+ minutes more than once. They also put you back on hold for extended periods if you ask why something will take weeks/months to resolve.
Issue 3 : Phone payment NOT POSTED after being made 2 weeks ago from time of this complaint submission.
Issue 4 : Online payment ability locked out while waiting for 6 weeks for a LOAN MODIFICATION, with no end in sight. Forced payment by phone for additional fee that has NOT POSTED ( see issue 3 ). I am aware there was a way to pay by mail, but if that wouldn't have posted either, I would have had to cancel the check by this point.
Issue 5 : Can not get a current 10-day payoff statement because of unposted payment. Can not finalize any mortgage refinance without this information being correct or risk the settlement being overpaid to Dovenmuehle ( which can not happen for obvious reasons ).
In summary, I am being held hostage by Dovenmuehle because I requested a loan modification in lieu of the deferral of the 3 months of payments like they keep trying to push on me via phone, email, letters. They will not give me a timeline on when the modification will be done ( just saying 'We 're very busy because there was a lot of requests ' ).
Update : I'm going to just accept a deferral so I can move on with my life, refinance, and forever sever my relationship with Dovenmuehle. IMO, there's been no reason for any of these actions by Dovenmuehle outside of trying to force people into an undesired outcome. They have made this period of economic uncertainty much worse and significantly more stressful than it needed to be.
NEW ISSUE : After agreeing to deferral, they are telling me it may take WEEKS to resolve and get the paperwork/account updated online.
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| 01/06/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department.
However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans.
However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX.
Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.
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| 08/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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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?
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| 02/24/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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We are in the process of refinancing and can not get the correct payoff from Dovenmuehle after several unsuccessful attempts to communicate with them. The issues stems from their failure to correctly manage our escrow which they misspent and demonstrates us in a negative balance which has increased our pay off amount.
My husband ( a XXXX veteran ) and I have recently worked with a new lender and secured a much lower interest rate for a refinancing opportunity. However, the new institution we are working with can not receive the correct pay-off amount from Dovenmuehle Bank which has caused us to request ( and pay for ) a rate lock extension. I have tried over the last 2 weeks with at least 10 separate attempts to communicate with Dovenmuehle to receive a correct pay off amount simply to be placed on hold for hours with no results, disconnected, or outright provided incorrect information. We fear, based on current communication impasses with Dovenmuehle, we have the potential to lose the refinance interest rate we are locked into. This would result in us losing thousands of dollars due to Dovenmuehle 's negligence.
In XXXX I was checking with our local county to verify our property taxes, I ( not Dovenmuhle ) discovered they had used our escrow to pay another homes property taxes. This discovery began a long two month process with the same failure to receive information, speak to someone with authority to impact the situation or attain any results to rectify the issues with our local county tax department.
The issue from the tax fiasco is the contributing factor to our current unresolved issue. We currently have an escrow balance of {$1800.00}. This amount is correct and is shown on our recent escrow analysis. However, the payoff statements we receive are showing our escrow is still in the negative because they have not correctly rectified their mistake with our money. The negative escrow balance of {$4100.00} they are showing has increased our payoff amount. We simply want to have them correct their records and provide our new lender and us with a corrected pay off amount in time to secure the refinance interest rate so we can leave the nightmare they have created.
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| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In mid XXXX of 2020 I contacted the " special loans '' dept. of my Mortgage servicing company ( Dovenmuehle ) and I spoke to " XXXX '' regarding a one time " recast '' request in order to lower my monthly mortgage payments.
On XXXX I received mail from Dovenmuehle dated XX/XX/2020stating that if I were to wire them {$130000.00} plus a {$300.00} fee my monthly mortgage payments going forward would be reduced from {$2300.00} to {$1500.00}. On XXXX I requested my credit union ( XXXX ) to wire Dovenmuehle {$130000.00}. Unfortunately, XXXX made a clerical error and wired {$150000.00} instead.
When I received my XXXX mortgage statement I noticed that my monthly mortgage payment still remained at {$2300.00} and the {$150000.00} payment went to reduce my principal.
I contacted my credit union and they acknowledged their error and suggested that I contact Dovenmuehle and claw back the difference. I contacted " XXXX '' again ( not an easy feat ) and she stated they would fix my issue within days. When I did not hear back from " XXXX '' I contacted my credit union and a senior officer " a problem solver '' conducted a 3 way phone call ( poor guy was on hold for over half an hour ) between me XXXX and him. In order to make this transaction more expedient I agreed to give Dovenmuehle the entire XXXX and not to claw back any monies wired to them in return would have a lower monthly payment of {$1400.00} communicated to me via a letter dated XX/XX/2020.
When I went on their website to make my XXXX payment I was not able to do so as it required that I pay the original {$2300.00} I made several calls to Dovenmuele and the reps. had no knowledge of my situation and would not transfer me to " XXXX '' or anyone else in the " special loans '' dept.
On XXXX XXXX I received several documents from Dovenmuele which I had to get notarized and send back to them via self addressed XXXX envelope. I got the documents notarized the same day and attached my XXXX payment of {$1400.00} in a clear sealed envelope attached to the notarized documents.
I have since gotten several debt collection calls from Dovenmuehle even though I have called several times and spoken to two seperate " supervisors ''.
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| 02/02/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Last Year In XX/XX/2022 I found out that my mortgage went up by {$600.00}. I was getting ready to make my payment but XXXX does not accept partial payments. My monthly payment went up to {$2500.00}. I got no prior notice that my payment was even going up prior to my call to make XXXX payment. So I asked them for a solution. XXXX said I could file an application for loss mitigation. I received the application in the mail two weeks after my call with them. I immediately filled out the application and submitted the requested documentation through the portal. I checked the portal weekly. I also received information in the mail saying that there were missing documents. I would submit the documents again. In XXXX I received a letter saying that XXXX did not receive the documents that they were requesting and if I needed assistance still I needed to submit a new application which I did. This time I submitted all documents via email. I would even contact them once a week to make sure the documents were received. I was told they were and to continue sending in pay statements that my wife and I continued to do. In XXXX I received notice that my house could be foreclosed on because of failure to pay. I contacted XXXX again and asked what was going on. They said that my packet was not complete and my case has been turned over to a law office. I asked for a resolution. They said I had to submit certain documents and continue to send in pay stubs. My wife and I have been doing this since XXXX of 2022 with no resolution. My last call with them was Tuesday XXXX XXXX where I submitted documents and verified that they were received. They tell me it takes 7 days to review. I am not being offered any solution. I even asked if I could just pay what is owed. XXXX told me I could not because I am going through the loss mitigation process and they will not accept any payments. I received a notice from XXXX XXXX XXXX saying that if I don't file a notice with the court my house will be sold. I have not been provided a resolution by XXXX. I am constantly being told that it takes seven days. I just feel like I am not getting this resolved because XXXX wants to take my house. Please help.
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| 12/18/2020 |
Yes |
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- Trouble during payment process
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Web |
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I am filing this complaint against DMI who currently subservices my FHA mortgage on behalf of XXXX XXXX XXXX XXXX XXXX.
I applied for Covid related forbearance in XXXX of 2020 and was granted a three month forbearance plan. When my initial forbearance expired, I made my XXXX and XXXX payments. I then applied for a second forbearance period as I was still experiencing financial difficulties directly related to Covid. I never received confirmation that this request was granted but I assumed it was when I did not receive calls or mail from XXXX when I did not make the next few payments. Finally in XXXX, I received a letter from XXXX saying my forbearance period would soon be coming to an end. The letter did not say the exact date it would end because I was still struggling with Covid related financial difficulties, I applied for an extension to my forbearance ( that I never truly knew I had until receiving the letter saying it was coming to an end ). Once again, I never received anything from XXXX approving or denying this extension so I assumed like the previous that it was granted. Now today I receive notification from XXXX XXXX that XXXX has reported my mortgage account as +30 days to the credit bureaus.
My complaint is that, other than my initial approval and the two letters I received saying my forbearance was coming to an end ( one in XXXX and one in XXXX XXXX, I had no way of knowing the true status of my account. XXXX 's website does not tell me if I am in forbearance. The Loan Solutions website I was directed to in order to make my request does not tell me the status of my request. XXXX has only once, in relation to my first request, sent me anything acknowledging my request and confirming if it was approved or denied. Now they have reported me late??? I have asked XXXX directly and through a previous complaint to communicate with me via postal mail and have received nothing meaningful. As one of the country 's largest mortgage servicers I would have expected them to be better prepared to handle a situation such as what the country is experiencing but unfortunately, the customer service experience I have received has been horrific and now damaging.
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| 02/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am a XXXX XXXX working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue.
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.
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| 08/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I applied for and received a CALIF. Housing Finance Agency COVID mortgage forbearance, ( XX/XX/XXXX-XX/XX/XXXX 8 payments ). On XX/XX/XXXX, ( before I got the COVID forbearance ), their Dovenmuehle Mortgage servicer supervisor XXXX XXXX, ( contact info below ), had emailed me stating the forborne payments would be placed at the end of my loan and the loan recast at the same rate.
On XX/XX/XXXX, I then sent them a letter by U.S. regular mail, certified mail, and email, ( to Dovenmuehle mortgage servicer ), asking to be removed from the COVID forbearance such that the last forborne payment would be XX/XX/XXXX. ( I paid XX/XX/XXXX and have paid XX/XX/XXXX ). Nothing happened. No response. An employee ( XXXX XXXX ), told me in an unrelated update letter dated XX/XX/XXXX, that my COVID forbearance is still in place.
I sent emails to their counsel, ( available on request ), and today XX/XX/XXXX an employee, ( self identified as XXXX # XXXX ), telephoned me and said the exit from forbearance and my approval of terms would have to be in telephonic communications only but only they, not I, would be allowed to audio record. I protested and she stated I was refusing to move ahead. I said I was not and said I was merely requesting the documents be in writing to protect myself. She said she would ask her " underwriting team '' but could not " promise '' they would move ahead in writing. I said I would check with CFPB about this telephonic policy and asked her to have supervisor XXXX, ( who they posture as a real person ), call me back.
A little while later she called back and said XXXX was " on vacation ''.
My complaint is they wont respond to my request to culminate COVID forbearance, set up repayment like they agreed to, and do it in writing like all reasonable American businesses.
Also they generated in last few days an automated email which appeared to, ( amidst their ignoring of my letter ), bait me into a secret, ( behind firewall of website portal ), " workout '' process, which I feel warrants investigation.
XXXX XXXX XXXX XXXX Supervisor Loss mitigation Dovenmuehle Mortgage , Inc .
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX O : XXXX, ext. XXXX F : XXXX
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| 12/11/2020 |
No |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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Dovenmuehle Mortgage Inc. sent me a letter dated XX/XX/XXXX that they would be sending my unclaimed mortgage refund from XXXX to Oregon State Lands unclaimed property within 10 business days unless I contacted them.
The letter provided information of a mortgage refund from XX/XX/XXXX in the amount of {$640.00}, check number XXXX, Loan Number XXXX with XXXX XXXX XXXX , XXXX .
I began calling Dovenmuehle to have my refund sent to me on XX/XX/XXXX and have been calling ever since. First they advised the check would be mailed within 30 days. I called them in XXXX, I called them in XXXX and I called them in XXXX. Each time I call, I get a different story and a different time frame of when to expect my check. I am moving and I have been traveling 30 miles each day to check my mailbox to no avail. I have advised each of the following scenarios : 1 ) The first check was returned by the post office ( this has never happened before ) 2 ) The first check was not returned, it was never processed.
3 ) A replacement check would be mailed within 30 days.
4 ) The second promised replacement check was never processed.
5 ) A check would be mailed the following day.
6 ) Over a week later, after not receiving the last promised check, calling to be told the check would take 4 weeks to process in order to ensure any of the earlier processed replacement checks that were never mailed or processed were not cashed.
I have been calling this business for over 3 months and can't get them to pay me money that they have held since XXXX that belongs to me. I believe this is an attempt to continue to keep my money instead of operating in good faith. Their story is literally, the check is in mail but never arrives. When I attempted to get them to process a change of address for me, that would delay the process another 30 days so I told them to forget it. This company is not negotiating in good faith or attempting to refund my money that they have had since XXXX. I have issues with their IVR system in that I get cut off and any attempt to talk with a supervisor results in either getting cut off or in waiting in limbo. I have spent hours chasing this money to no avail. Please help.
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| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This home was purchased in XX/XX/XXXX. The mortgage company is claiming that they have paid the tax authority taxes dated XXXX totaling {$11000.00}. Additionally, the mortgage company states that they have paid taxes for XXXX for this property in the amount of {$1400.00}. I am requesting proof of payment for the taxes paid for XXXX as copies of checks or copies of the transaction where money was sent to the tax authority.
The XXXX taxes were paid by me before XXXX/XXXX/XXXX as shown on the property 's tax history payments XXXX ) Furthermore, the mortgage company has paid taxes for XXXX in excess of what was already paid or even worst made a terrible mistake and paid the taxes twice.I have reached out to the tax authority and they have conformed there there is no records of a payment made by the mortgage company for taxes on this property for any year.
The mortgage company paid these taxes without letting me know and now they have included taxes into the escrow account and they are making me pay for taxes that have been paid and were not owed.
I have contacted Dovenmuehle since XX/XX/XXXX of XXXX over 30 times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake I am requesting the Mortgage company to please provide copies of the checks sent to the tax authority as well as payment receipts of the taxes they claim they have paid for the XXXX period.
The closing company legal team and myself have reached out to the taxing authority and the taxing authority confirmed that they have not received payment form the mortgage company because there were no outstanding taxes as claimed by the Mortgage company.
The Mortgage needs to send me information of the payment made to the tax authority like cancelled checks or payment receipts. The closing company lawyer spoke to XXXX XXXX at the Tax Authority of New Orleans and Mr. XXXX confirmed that the taxing authority does have any records of the Mortgage company sending such payments, nevertheless, I am being charged with taxes that the mortgage can not show proof of payment like cancelled checks or payment receipt.
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| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
I requested an on line mortgage payoff statement from Dovenmuehle Mortgage Co on XX/XX/XXXX. The statement indicated a total payoff amount of {$340000.00} if paid before XX/XX/2020. Due to quarantine restrictions and on line banking daily payment limits, I sent 4 successive on line payments to Dovenmuehle totaling {$340000.00}, which they received and posted to my mortgage account by XX/XX/2020.
As of XX/XX/2020 my outstanding principle balance was {$3600.00} per Dovenmuehle 's on line activity statement. I reviewed my loan activity and called Dovemuehle on XX/XX/2020 to request that the portion of each of those 4 previous supplemental payments not allocated to principal curtailment be allocated to principle. I was told that this was a manual bookkeeping step and that I should check back on XX/XX/2020.
I called Dovenmuehle on XX/XX/2020 and spent roughly 5 hours on hold and speaking to various customer service reps, supervisors, and loan recovery staff. I also requested a current Payoff statement which now showed an additional {$770.00} to payoff the loan. I also noticed that the sum of my late XXXX payments of {$340000.00} were added back to my mortgage balance and according to discussions with Dovenmuehle put into a suspense account. The XX/XX/2020 payoff balance was by Dovenmuehles admission, 17 days interest on the {$340000.00} balance which remained in their system as my payments of {$340000.00} were reversed out of my account and booked instead to that suspense account. Dovenmuehle couldn't explain why all my payments including those previously booked as principal curtailments weren't subsequently rebooked as principal curtailments. They remained in suspense as of XX/XX/2020.
No one I spoke to ( Supervisor XXXX, customer service XXXX XXXX, et al ) had the authority or interest to restate the accounting or modity the final payoff statement. It is my contention that the additional interest of {$770.00} to pay off my mortgage by XX/XX/2020 is unwarranted and based solely on Dovenmuehle 's decision to rebook my mortgage payments into a suspense account to either penalize a mortgage payoff or to take advantage of the current COVID 19 restrictions.
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| 07/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I setup the escrow account when I bought home in XXXX. After one year later, my first mortgage company sold my mortgage package to a new company named DOVENMUEHLE mortgage from XX/XX/XXXX. From XXXX to XXXX, they paid all tax just on time ( three separated bills ). But at the end of XXXX, they refused to pay my mud tax even my mud tax department send them the bills three times. So my mud tax department directly bill to my home. I called the Dovenmuehle mortgage first time, they said they will take care of everything and let me no worry about it. But after two weeks later, when I called them back, they said they refused to pay it because they only pay the county tax. I told them my tax was separated into two bills by the county and you have to pay separately.
Then I called them the third time, another lady promised me to pay the bill soon and they want me to send them the scan of the delinquent bill, I sent them bill several times. But after two weeks when I called them back, they said they can not pay the mud tax because they only pay the county tax.
So I setup an conference call between my mud department and my mortgage company to explain the bill to my mortgage company. My mortgage company again to promised to pay the mud tax in a month. But when I checked it at the end of that month. They sent the check to the wrong address. Actually, they have all correct information on delinquent bill.
Today I called them again to ask why my mud bill still due for the payment. They said they removed my case, I asked them why? They first even didn't know that happened, but after I was yelling to them, they finally explained to me, the check was refused. So I told them please check the correct address on the delinquent bill. Hopefully, this time they will pay it.
I asked all my friends and some other mortgage companies. They all said the separated bill is so normal in the escrow account. I totally don't understand why this company don't have this even common sense.
I called my mortgage company from XX/XX/XXXX to the end of XX/XX/XXXX more than XXXX times and I was so disappointed with this mortgage company. But so far, they still didn't pay the bill.
|
| 07/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage servicing company, Dovenmuehle, took over my loan after it was transferred. We have an escrow account that they are supposed to pay our homeowners insurance and taxes out of each year. We received a call from our insurance company that our policy was cancelled due to non-payment. We called Dovenmuehle and they informed us that they had only received the declarations page from the insurance on the XXXX of XX/XX/2019 and need at least 30 days to send a payment. They then promised they would overnight a payment to the insurance company to pay the outstanding bill. We called the insurance 3 business days later and they had not received a payment. At this time we paid the insurance annual premium out of our pocket. We immediately called Dovenmuehle and they informed us that they had intended to sell our mortgage last XXXX, but never did, so there was a payment hold placed on our escrow account so they cancelled the overnight payment and didnt call us. They then requested we email them the receipt of the payment we made on the insurance and they would refund us the money and that they would have the payment hold removed from our account. Three business days later we got a letter in the mail saying that they would be purchasing homeowners insurance for us because our policy lapsed and they didnt have proof of our insurance. We immediately called Dovenmuehle again and they informed us that the stop payment ticket had been closed and they didnt know why so the payment for our taxes next month might not go out either. They also informed us at first that they didnt have any proof of the insurance both our insurance company and we had provided. After asking them to look into it further, they determined they did have both the receipt of payment and the full declarations needed and would process our refund check as soon as the payment hold was removed, they could not provide a timeline for when this would occur. They also could not confirm they wouldnt charge us for the insurance they had purchased on our behalf. To date we have still not received a call as they indicated we would and we have not received a reimbursement check for the insurance.
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| 07/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My monthly payments to Dovenmuehle ( loan XXXX ) is {$2200.00} and was due on XX/XX/2019. If I fail to pay by XX/XX/XXXX, I am subject to a {$91.00} late fee and possibly issues with my credability. I made an online payment from by checking account at XXXX XXXX XXXX bank for the {$2200.00} on XX/XX/2019. Since this is an electronic payment, Dovenmuehle should ( and usually does ) receive the payment by the next business day, which was XX/XX/XXXX. The full amount of {$2200.00} was deducted from my checking account XXXX at XXXX XXXX XXXX bank on XX/XX/2019 with an entry " BP-Dovenmuehle Mortg Conf # - XXXX '' See XXXX XXXX XXXX Statement attached ). However, on XX/XX/2019 and to my surprise and dismay, I got a call from XXXX at Dovenmuehle 's Collections Department saying I failed to make the XX/XX/XXXX payment and that I now owe them the {$91.00} for the late fee. I told XXXX that I paid Dovenmuehle on XX/XX/XXXX. She later confirmed this. I asked her to investigate why I was being called when I in fact made the payment. XXXX was unable to help.
Then, on XX/XX/XXXX, Dovenmuehle finally issed a statement ( see attached ) to reflect my XX/XX/XXXX payment ( this is usually done only a couple of days after I pay ) saying I made the XX/XX/XXXX payment on XX/XX/XXXX. No where does it say in the statement or elsewhere that my payment was timely.
I need a written statement from Dovenmuehle that my XX/XX/XXXX payment was timely and not subject to a late fee and was received well before the XX/XX/XXXX payment. I also want investigated whether this behavior on the part of Dovenmuehle is in any way retaliatory or connected with my recent application for loan modification to XXXX XXXX at Dovenmuehle due to me being unemployed and being the subject of another complaint I am making to Dovenmuehle. In other words, this instant unusual behavior seems to occur just after I applied for and then appealed and was denied a loan modification due to my long term unemployment, and my subsequent complaint to XXXX and XXXX. I would like to know if they are bullying me as a result and if I shluld expect more of this kind of behavior from Dovenmuehle in the future.
|
| 08/21/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Dovenmuehle ( https : //www.dovenmuehle.com ) is my mortgage company since XXXX sold the mortgage to them in XXXX XXXX
Since then, payments submitted electronically to Dovenmuehle are extremely difficult to be done.
1 ) Dovenmuehle website is very confusing and any customer is not given a chance to change the bank account number/routing number any time when the customer finds an error.
2 ) I have been submitting my mortgage payment for such reason with a Certified mail with a personal check from XXXXXXXX XXXX. I was loosing {$9.00} almost each time to mail my checks plus the money for printing checks.
3 ) Since this is inconvenient, I decide to submit electronic payment to Dovenmuehle on XXXX XXXX XXXX.Re : Confirmation Details XXXX XXXX XXXX XXXX XXXX
4 ) I had up to XX/XX/XXXX to submit a payment so I will not be late.
5 ) On XX/XX/XXXX I called Dovenmuehle and ask why I can not correct my routing number saved at my account.
6 ) Their Customer service agent told me that I can not do that, but rather I need to double submit another payment of {$2600.00} over the phone immediatly in order to not default my mortgage.
7 ) I refused and stated that if my payment will not be debited, I will filed CFPB complaint, as it is the fault of Dovenmuehle, not my fault.
8 ) As of today, XXXX my mortgage payment is still not debited from XXXX XXXX Dovenmuehle is keeping my wrong routing number, even I succeeded to change it online.
9 ) I believe that Dovenmuehle is willfully doing so, so I will default my mortgage.
10 ) For the Past 10 years I have not been late even ONCE on any of my mortgages!!!
11 ) I am concern about the fact that Dovenmuehle do not notify me nor is debited my bank account for my current month of XXXX mortgage. This is wrong!
12 ) I sent the following email to Dovenmuehle : Why still my mortgage is not debited. I need this completed tomorrow. Confirmation Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 13 ) I received the following " Confirmation Success! We received your message Your message has been submitted and has been referred to the appropriate area for review. Confirmation Number XXXX ''
|
| 10/02/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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We opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX. The funding was available on XXXX. Our banker said we were supposed to receive an introductory rate for a year. But it seems that didn't happen.
My complaint is about Dovenmuehle that took over the processing of the HELOC and the statements. We made one interest payment to XXXX XXXX with a due date of XX/XX/2020 for {$280.00}. And also made a principal payment of {$3100.00}. When the monthly billing statement came from XXXX, I called because I felt they were charging too much interest, that is due XX/XX/XXXX. ( {$1000.00} XXXX Our payments were drafted on XX/XX/2020, due to the holiday. I did not pick the drafting date, so interest was charged for 3 days extra, through no fault of ours.
I called Dovenmuehle on XX/XX/2020 and spoke with XXXX. She said she saw the problem and opened a ticket. She also asked that I send an email stating I did not want drafting on XX/XX/2020 until the interest situation was resolved. I received an email from XXXX XXXX which stated the formula for calculating interest. She did not address my concerns. I tried calling her, but her phone # did not answer, even though it presented as a business phone # with an extension. So I called Dovenhuehle again and spoke with XXXX ( sp? XXXX. She said she couldn't put me through to XXXX. So I went over everything again with her. She said there wasn't a problem. I again called and tried to reach XXXX and I got XXXX. He wouldn't put me through to XXXX either. He said he was a supervisor. I was not happy with his explanation either and he said most likely the interest amount in question {$1000.00} would be drafted on XX/XX/XXXX. XXXX said she saw the problem and XXXX and XXXX and XXXX XXXX did not. I don't know who to believe as their responses to me all differed. I feel we will be paying more interest, than necessary and I can't get resolution. What should be our next steps? It was so much easier just working with XXXX XXXX XXXX. Not impressed with Dovenmuehle at all and wish they weren't involved with our account. We may end up changing banks if we can't get good personal service. Please let me know.
|
| 07/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I tried to pay my mortgage online and was hit with these new terms and conditions regarding my online payments moving forward. I did not want to agree to these terms so I proceeding to skip this page and proceed with my payment. When I click " continue to next page '' it did not proceed to next page. I was blocked from making my mortgage payment unless I click the " agreed to terms '' box. I submitted 3 secure message emails to " Dovenmuehle Mortgage Inc '' who is servicing my mortgage, to please explain in detail including names, addresses, phone numbers, email address etc, who is " THE LENDER ''. I Indicated in my email, NO PHONE CALLS, please respond via email to my request. This company won't respond to my request by secure email. Please read terms below : PLEASE RETAIN THIS PAGE FOR YOUR RECORDS AUTHORIZATION AGREEMENT FOR A ONE-TIME DRAFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I ( we ) hereby authorize XXXX XXXX XXXX XXXX XXXX and its successors, assigns, authorized agents including Dovenmuehle Mortgage , Inc. or any entity servicing my loan on their behalf ( hereinafter called THE LENDER ) as I indicate on the next screen to initiate a mortgage payment debit to my ( our ) indicated Checking or Savings Account, and debit the depository named for the indicated account.
I ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE LENDER the total payment due, plus any late charge ( s ) or other fees due under my mortgage.
I ( we ) authorize THE LENDER to electronically credit my ( our ) account if necessary, to correct erroneous debits.
I ( we ) agree that ACH transactions I ( we ) authorize comply with federal law.
I understand if my payment is returned by my bank, I may be charged a fee.
This authorization is to remain in full force and effect until THE LENDER has received written notification from me ( us ) of its termination in such time and such manner as to afford THE LENDER a reasonable opportunity to act upon it. THE LENDER may terminate this agreement at any time, with written notice sent to me.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Servicemember |
|
This XXXX Veteran, me, was not late with any mortgage payments prior to entering XXXX XXXX XXXX Forbearance program and prior to my loan being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insist on reporting negative information even though I have provided proof. Too XXXX XXXX XXXX XXXX persist on reporting the Department XXXXf Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX XXXX XXXX will not follow the laws and rules.
It is obvious to me that XXXX XXXX XXXX XXXX does not care to follow the forbearance rules and blatantly does not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX XXXX has proven that it plans to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX XXXX is not fair to Veterans and it is not a Veteran-friendly mortgage servicer.
My date of last activity for mortgage payments was paid to XXXX XXXX XXXX on XXXX XX/XX/2020. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract.
Moreover, XXXX and XXXX XXXX XXXX forbearance policies informs that there will not be any negative reporting. XXXX XXXX XXXX XXXX is also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX XXXX unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus.
From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN XXXX PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/2020.
Please remove XXXX XXXX XXXX : {$19000.00}.
Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Recently refinanced mortgage with XXXX XXXX XXXX XXXX ( XXXX ). The mortgage was previously held by Dovenmuehle. The mortgage/refinancing was completed XX/XX/XXXX. XXXX, XXXX XXXX XXXX was the law firm involved.
Due to timing ( XXXX period ), taxes are due so the new mortgage holder ( XXXX ) required I wire money to cover the escrow. In turn, all parties ( XXXX, Dovenuehle, Law firm ) all advised me that once the loan paid off with old holder ( Dovenmuehle ), I would receive a refund of the escrow account I had with Dovenmuehle within 15 business days.
Dovenmuehle confirmed loan paid off XX/XX/XXXX in amount of {$320000.00} and escrow of {$10000.00} would be refunded to me via check in 15 days. I still have not received the escrow refund and I have spoken with Dovenmuehle several times.
On XX/XX/XXXX, I spoke with XXXX of Dovenmuehle ( they don't give last names or any other identifier like agent number, etc. ). He said I would have the escrow refund by XX/XX/XXXX. On XX/XX/XXXX, I called to report that no check arrived and spoke with XXXX. She told me check hadn't been sent but could/would not explain. She put in a request to process the check. On XX/XX/XXXX, I spoke with XXXX. Same story, check not sent and she would put in another request. I then spoke with XXXX and her Supv XXXX. Same story. The reps all tell me the only thing they can do is put in a request and for me to check back in 5 days. This has happened repeatedly. I asked to speak with the dept or individual who worked my loan and I'm told they can't give names or other dept contact info. I asked the rep to send me an email confirming she made the latest check request and am told they can't send outbound emails. I asked for a call back and was told they can't make outbound calls. Bottom line is Dovenmuehle is supposed to have already sent me the escrow refund check for {$10000.00} and I don't have it and every time I check I have to start all over - rep claims they update system to request check which has 5 day turn around time to issue check and I have to call back only to find out nothing has happened in terms of refunding the escrow.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
Im a XXXX veteran who informed Dovenmuehle XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to Dovenmuehle. Ive been trying to get this problem corrected since XX/XX/XXXX. Dovenmuehle XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to Dovenmuehle XXXX XXXX XXXX Research Department and Customer Service with no fair treatment and still unfair credit reporting from Dovenmuehle XXXX XXXX XXXX. I have exhausted all my efforts trying to resolve this problem.
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, DovenmuehleXXXX XXXXXXXX XXXX XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXXXXXX XXXX to Dovenmuehle during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to Dovenmuehle XXXXXXXX XXXX XXXX.
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to DovenmuehleXXXX XXXX XXXX research department twice as requested. Dovenmuehle XXXX XXXX XXXX asked me to have XXXX XXXXXXXX XXXX e-mail Dovenmuehles Research department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXX XXXX directly e-mailed Dovenmuehle XXXXXXXX XXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. Dovenmuehle continues to report to the credit bureaus that Im 90 days past due, not more than 4 months past due, and delinquent since XX/XX/XXXX. Moreover, Dovenmuehle will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.
|
| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2020 my wife and I entered into forbearance protection with Dovenmuehle Mortgage Inc. Due to Covid 19.
We were told to call at the end of XXXX or beginning of XX/XX/2020 to see what options were going to be available to help us through this pandemic.
We called back on XX/XX/2020 to check in and was offered a loan modification as an option. We selected the loan modification option and were told it can take up to 30 days to process. we were also told to start resuming our normal payments if we did not hear back from them ( Dovenmuehle Mortgage Inc ) by XX/XX/2020.
We paid the regular payment for XXXX on time. We called in for an update on the loan modification around XX/XX/XXXX. At this time there still wasn't any information available as far as an update on the loan modification.
We proceeded to make our XXXX payment on time.
XXXX XXXX we were contacted by Dovenmuehle to ask if we wanted to extend the forbearance for 3 more months. We then asked about the status of the loan modification again and were told they do not have an answer.
Friday XX/XX/XXXX, I was notified through my credit monitoring app that Dovenmuehle had reported the account 90 days late even though I was protected.
My wife 's credit was also damaged by this as well..
I immediately called Dovenmuehle and spoke to XXXX and was told it was an internal error and that it shouldn't have happened and that it will be rectified. Also spoke to XXXX a senior representative and was told the same.
XXXX said I would be emailed a letter explaining that the issue was on Dovenmuehle 's end.
I still have not received the email and Since Friday XX/XX/2020 all three of my credit reports have been updated to 90 days late and my scores have dropped XXXX XXXX points. This is very damaging to my creditworthiness and was told it could take up to 45 days to rectify their mistakes.
My wife 's scores dropped significantly as well.
We were told to email their research department to let them know what had happened.
We are not very confident with Dovenmuehle at this point.
They can not be allowed to treat consumers this way.
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I repurchased my home in XX/XX/2010 through XXXX XXXX XXXX. The purchase itself was for {$190000.00} and an additional {$65000.00} to make needed repairs to the property. Bringing the total borrowed to {$260000.00}. After the work began on the property it was determined that the {$65000.00} was not enough to complete the repairs needed. The amount needed for the repairs was closer to {$80000.00}. The {$190000.00} purchase price was derived from XXXX specifying to the servicer what amount of repairs needed to be made and the purchase price was discounted by that amount. Initially XXXX said that they had to pick their own contractors. So I obliged. The work was never completed and they used poor quality materials. I completed some of work through my own funds. The rate XXXX charged me at the time was 5.50 %. Recently, I tried to refinance my loan through XXXX XXXX XXXX at a 3.25 % interest rate. I was approved for the loan. I ordered a payoff from XXXX the servicer for the XXXX loan. After the closing when XXXX XXXX requested the releases is when XXXX said that I owe them {$120000.00} in addition to the payoff figure. I knew that I would have to pay back XXXX some funds. But, I did not know how much. It is not even stated in the documents in the registry that there is money to be paid back. Which is why when XXXX said that I owe an additional {$120000.00} everyone was taken by surprise. I have no issues with paying some money. But, I object to the {$120000.00} figure because it is not fair. The repairs that made with my own funds are not taken into account of the payoff figure. I tried to subordinate the loan and XXXX declined. I understand and I appreciate what XXXX did by allowing me to repurchase my home. However, after paying on time for so long and finally being able to refinance it seems punitive that I am not able to refinance my loan or even come to an agreement that will allow me to pay them over time instead of in a lump sum. I feel like XXXX appears as if they are willing to help. In the meantime I think they are trying to take advantage of the disadvantaged people like myself.
|
| 03/17/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX, I requested and was approved for a mortgage forbearance under the CARES ACT with my mortgage company, XXXX XXXX XXXX. It was my understanding that my account with XXXX XXXX XXXX while in the forbearance would remain in good standing and not affect my credit score/report. The forbearance period I was approved for was XX/XX/XXXX through XX/XX/XXXX and requested and approved for the balance of the amount owed during the forbearance period be deferred to the back of my loan. I resumed my regular, consistent monthly mortgage payments in XX/XX/XXXX.
In XX/XX/XXXX, I inquired about re-financing with a local mortgage broker and was told that my XXXX XXXX XXXX account was appearing on my credit report as delinquent and showed an inconsistent payment history, mainly during the approved forbearance period and subsequently thereafter. It is apparent that XXXX XXXX XXXX have been incorrectly applying my monthly payments and had failed to recognize the period of forbearance. Upon learning this I contacted XXXX XXXX XXXX on XX/XX/XXXX and opened a credit dispute. I have been in contact with XXXX XXXX XXXX on many occasions since then and have been continually told that my credit dispute is being " worked on ''. On XX/XX/XXXX I opened a credit dispute with XXXX. The results of XXXX 's 'investigation ' deemed a correct reporting, which is totally false. I am currently awaiting the results of open credit disputes with XXXX and XXXX.
In summary, it is my understanding that under the CARES ACT any amounts owed during a mortgage forbearance period should NOT negatively affect my credit score/report. XXXX XXXX XXXX has acknowledged this to be true yet I am still waiting for my credit report to be rectified and reflect an account in good standing, with regular on-time monthly payments. Because of this I was unable to pursue other beneficial financial opportunities and feel this is extremely unfair and careless on XXXX XXXX XXXX XXXX part.
I am humbly requesting some assistance with my situation. I also believe there are many others experiencing this same problem ( s ).
|
| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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On XXXX XXXX I received via mail that my loan from Dovenmuehle was being transferred to XXXXXXXX XXXX on XX/XX/XXXX. My next payment is due on XX/XX/XXXX and I was to send my New payment to : Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX. At the end of the letter there is a bogus date of XX/XX/XXXX, so somehow it took 14 calendar days to reach me in the mail. I was instructed to send my payment due on XX/XX/XXXX to my new processor and there is no instruction on who I should make the payment out to. The address doesn't even have a company name associated with the address. I logged into my Dovenmuehle online account and there is no notice in there letting me know my loan has been transferred. Also the new loan provider XXXXXXXX XXXX has sent me zero information about where to send my payments. I made a payment to my old service provider Dovenmuehle on XX/XX/XXXX so I can avoid any late fees with the new provider. Even if I were to send a check in the mail the day I got this notice I doubt it would make it to the new loan servicer by the due date of XXXX XXXXXXXX, XXXX. I'm sure there is a grace period with loan transfers, but this is ridiculous that I have to jump through a bunch of hoops to figure out where I make my new payments. Tried signing up on the XXXXXXXX XXXX for online services and it says my account isn't eligible. So I get a notice that my loan has been transferred, but I was not provided who I make a new payment out to and all I'm given is to send it to Cash Processing ... ... XXXX? At first I would think scam but my current loan servicer shows my automatic payments are shut off so I going to assume the transfer is in progress. Only thing I can figure is my current loan ( XXXX ) servicer does this every year right before Taxes are due to the county you're in so they can hold onto your escrow funds for as long as they can to earn interest on those funds before sending them to the new loan servicer. My loan was sold to Dovenmuehle in XXXX XXXX and they sold it again in XX/XX/XXXX ... .why do I have to go through all this effort just to pay my mortgage????
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| 05/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Contacted the company on XX/XX/XXXX of this year to request a current payoff amount for this mortgage loan. Was told by the customer service agent at that time that they would not provide the payoff amount over the phone, but would prepare a package that would go out with the information, and possibly would be in the mail that afternoon. No other special instructions that would be associated with this action were discussed at that time and as I persisted for a number on the exact amount that this process was necessary as they were concerned with the interest amount as the fee changed daily.
On XX/XX/XXXX having not received this payment package, I made out a check for the principal amount based on myXX/XX/XXXX payment statement. I mailed this check to the statement payment center that morning ( XX/XX/XXXX ).
On XX/XX/XXXX I received the payment package and with the payoff amount and payment directions. With fees and their calculated interest I would owe them an additional XXXX, but they also indicated payment to a different payment center and the need for a certified check or bank wire.
On XX/XX/XXXX I contacted their call center and was told by the initial customer service representative, and then XXXX a supervisor I asked to be referred too that they would most likely return the original check and that I would need to contact them for a new payment package, essentially pushing the process out an additional four of five weeks at least and putting additional money in their pocket. I told them they needed to apply the original check to the principal balance, as the check has been trustworthy the last several months to accept for the monthly mortgage payment, there should be no problem with it for a final payoff. Was told they have a process that must be followed.
I have no problem paying the additional {$100.00}, per their final number calculation that my XX/XX/XXXX check did not include. But disagree with incurring additional interest fees on the total mortgage amount while we work with in their created process and what seems to be a stall tactic to their benefit.
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| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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We are filing a complaint due to inaccurate late payments showing on our credit report from our mortgage company, XXXX XXXX ( XXXX XXXX XXXX ). Details for this complaint are as follows : In XXXX of XXXX we contacted our Mortgage company XXXX XXXX ( XXXX XXXX XXXX ) to inform them of some financial difficulties we were having and that we were unable to make our XXXX Mortgage and wanted to know if there were any options to defer our payment. They informed us that they did not offer any type of deferment options and that we would need to call back after the XXXX of the month for any options they had for a late payment. We then called them the XXXX week of XXXX and were told the best option would be a loan modification which would defer 3 payments on the loan if the terms of the modification were approved and completed as agreed. The representative informed us that these payments would not be listed as late as long as the terms were met, we completed the application process on XX/XX/XXXX and they were received via secured download on XX/XX/XXXX. The completed package acknowledgement was sent to us on XX/XX/XXXX and our trial modification plan was sent on XX/XX/XXXX detailing the terms of the flex modification which had {$1600.00} due on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the 3 trial payments for the modification to be approved. XXXX XXXX received the XXXX payment for XXXX on XX/XX/XXXX, the second payment for XXXX on XX/XX/XXXX ( this payment was sent on XX/XX/XXXX but not recorded on their end until the XXXX ) and the final payment for XXXX was received on XX/XX/XXXX. The three payments listed prior kept us well within the terms of the modification and our first actual payment for the new modified loan ( starting in XXXX ) was received on XX/XX/XXXX.
Aim Loan has reported us late 7 times since this began, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This is not at all true, we are requesting you to investigate and correct our credit report with the correct information. We do have detailed documentation to support our complaint and will provide upon your request.
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| 02/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXX after 26 years of employment my husband lost his job. we were struggling to pay mortgage and applied and were denied a loan modification in XXXX of XXXX. After receiving an attorney letter in XXXX of XXXX regarding the full amount of our mortgage plus interest being due, we called and were told to avoid foreclosure we should request a mediator. We were assigned one with the Superior Court of New Jersey after approximately 3 months. This process was ongoing for approximately ( 7 ) months with various conference calls between the mediator, XXXX ( different rep. each time ) and myself. I have over 53 emails between myself and the Attorney 's office assigned by XXXX asking for the same information over and over. As per the mediator, we were supposerd to have it resolved in 1 or 2 conference calls, however, he would postpone it for another 1-2 months at the banks request for me to send the same information because of " nonsense '' reasons given by the Bank 's representatives. The loss mitigation package contained numerous pages and questions and documentations. Finally in XXXX of XXXX after three " trial mortgage payments '' our loan modification was approved. We received the " loan modification ''. The terms and conditions are not only impossible to recoop from they are not financially helpful nor are they in any terms helpful. The rate stayed the same. Our mortgage balance of XXXX was changed to XXXX. Accrued interestt and Escrow totalling 36,000 + was added to the 18,000 plus " other recoverable advances '' in the amount of XXXX totalling {$53000.00} was added to a Deferred Principal Balance due at Maturity in the year of XXXX. We mortgaged this home in XXXX. So to recap, our principal balance was lowered to XXXX, however, all interest, etc. including the amount they took off our balance is due when we sell. In lieu of all the waiting, frustrations with duplicate submissions, all for a reduction of {$150.00} from what we previously were paying. Nothing was done to financially help us get back on track. Our home was valued at XXXX. THIS CANT BE LEGAL.
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| 12/12/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full.
I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check.
My account says the escrow refund was processed XX/XX/2016.
I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called.
* I have been told the check was sent out and I would have to wait 30 days until they would resend.
* I have been told the check was sent out and I would have to wait 60 days until they would resend.
* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days.
* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed.
There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.
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| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehl Mortgage has been entirely negligent on my escrow account.
I got a notice in XXXX from my COUNTY that my taxes hadn't been paid. I emailed and faxed Dovenmuehl copies of the notices in XXXX, XXXX and again in XXXX of XXXX because it still wasn't resolved. Dovenmuehle never responeded to my emails or faxes other than auto-replies to my email ( " we've received your email '' ) and I have fax confirmations. I assume it's been fixed by now ... .but, who knows.
Then, I got a notice this month ( XXXX, XXXX ) that Dovenmuehl also failed to pay my CITY taxes. The notice from my city included a threatening letter of placing a lien on my property. I called Dovenmuehl today ( XX/XX/XXXX ) to check the status. While on the phone, the rep from Dovenmuehl acknowledged that they, too, had received notice from my CITY that the taxes were unpaid. She further said that she didn't know why ( a ) they didn't pay them in the first place or ( b ) why they hadn't taken action upon getting the UNPAID notice. It's unbelievable. Then, she said it would be 10-days to process the payment which I told her was unacceptable. She claims that she's expidited it for a 3-day turnaround.
I have no faith whatsoever in this company. I had to call them in XXXX, XXXX, XXXX, XXXX and XXXX to follow up with them on their errors on my taxes.
During these months, they also held one of my payments in suspense claiming that they had my escrow amount wrong. I was NEVER notified of a needed payment adjustment. And, they did not make a partial payment with the check I sent. I only caught the payment being not processsed when I went to reconcile my account at month end. I had to sent a new payment. I never received an invoice or notice from the company that my payment had changed OR that my payment wasn't able to be processed.
It is SO STRESSFUL to worry about my house payment and taxes being made each month. My credit score is excellent ( XXXX ). I am NEVER late on payments. But, I can't control what this incompetent mortgage company does.
TERRIBLE TERRIBLE TERRIBLE experience.
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| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XX/XX/XXXX, I began construction on a new home and the loan for construction with XXXX XXXX XXXX XXXX XXXX XXXX was secured by both my original home, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri and my new home under construction, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri.
After construction was complete in XX/XX/XXXX, I sold my original home ( XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX transferred the servicing of my mortgage to XXXX. ( Also, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX, XXXX paid real estate taxes from my escrow account for both of the properties that secured the original construction loan. They paid {$1000.00} for my current address that secures my mortgage ( XXXX XXXX XXXX XXXX ) and they paid {$1500.00} for the real estate taxes on the property I no longer own ( XXXX XXXX XXXX XXXX XXXX. I contacted XXXX through their secure messaging service when I noticed the error on XX/XX/XXXX and again on XX/XX/XXXX. They replied saying that they would research the problem. After a week and noticing no change in my escrow account, I called XXXX 's customer service line. The representative said that it was an error and that she would forward my complaint to their escrow department to research and the problem would be resolved in XXXX business days.
I received a message on XX/XX/XXXX from customer service saying that the problem would be researched and would be resolved within XXXX business days.
On XX/XX/XXXX, I sent another message to XXXX through their secure messaging system.
On XX/XX/XXXX, I emailed the loan servicing department at XXXX XXXX XXXX XXXX XXXX XXXX to see if they could help to resolve the issue with XXXX. My issue was forwarded to XXXX 's client services.
On XX/XX/XXXX, the extraneous property was removed from the escrow section on my online XXXX account, but the money that was spent on the wrong real estate taxes ( {$1500.00} XXXX has not been returned to my escrow account.
I worry that XXXX has no interest in resolving the problem, since I have little recourse.
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| 06/02/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX my hours were reduced due to COVID-19. I was granted a 6 month forbearance on my FHA mortgage serviced by Dovenmuehle. I resumed payments in XXXX of XXXX. I reached out to the Loss Mitigation to select how to modify my loan and went with putting the payments at the back of the loan. When asking if there was anything to sign, I was told by the representative that he was taking care of things over the phone. I wish I knew then what I know now.
I then received a loan modification packet, not knowing what they were I called Loss Mitigation again. They said not to worry about it and I could toss it. I then received two more loan modification packets. I started to get nervous, I signed all 3 packets and had them notarized and sent them back, this all happened in XX/XX/XXXX. I was able to reach Loss Mitigation again to confirm receipt of the documents, they confirmed. Please note it would take multiple calls and emails in order to reach anyone to speak with.
As mentioned, I resumed payments in XXXX in XXXX and never thought twice about it again. That was until I went to refinance my mortgage. I was asked for a loan modification document to show when the forbearance started, ended and what terms were agreed upon. The lender also needed an updated loan statement. I realized I had not seen one in a very long time, I make online payments through my bank. I reached out to Dovenmuehle 's Loss Mitigation department. This time is was even more difficult to reach someone, after much frustration I get a call back. They have no idea of what I'm talking about. I started getting mail stating I was in default, how is that even possible with a loan modification?! At the end of all of this back and forth, it has become obvious that Dovenmuehle never completed the loan modification and are showing me behind in my payments, which I am not. I'm angry that they hold my ability to refinance my home, I don't know what else I can do. They will not call me back, I haven't heard from them now for 3 weeks even thought I try every day.
Please advise what I can do.
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| 04/30/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On XXXX XXXX, 2015, a request for a loan modification was submitted by a HUD approved counseling agency to Dovenmuehle Mortgage on behalf of XXXX XXXX XXXX. The file was submitted with all required documents per servicer 's check list. On XXXX XXXX, housing counselor contacted Dovenmuehle to review file and was told they did n't have it. Resubmitted file. On XXXX XXXX, 2015, borrower received missing items letter. Housing counselor collected all required documents and submitted to Dovenmuehle on XXXX XXXX, 2015. Called Dovenmuehle on XXXX XXXX, 2015 and was told file was in review. Called Dovenmuehle on XXXX XXXX, 2015 to speak with SPOC, XXXX XXXX. She acknowledged receipt of documents but requested additional items ; namely, 1 ) a bank statement for an account that did n't belong to the borrower, XXXX months of bank statements and a profit & loss statement but borrowers had provided a letter saying they were no longer delivering newspapers ( self-employment ). Had clients write another letter and submitted to Dovenmuehle. Called Dovenmuehle and spoke with a XXXX on XXXX XXXX, 2015 and was told they needed more documents. In addition to the list, he suggested borrowers continuously submit pay stubs and bank statements until there is a resolution. Housing counselor, XXXX XXXX, contacted the investor, New Hampshire Housing Finance Authority on XXXX XXXX, 2015 to discuss the servicing of the loss mitigation file and requesting NHHFA to get involved. At this same time, borrowers received notification Servicer had determined the house was vacant and were planning to secure it and keep the keys. Borrowers are temporarily out of the home due to a fire caused by XXXX XXXX while installing a XXXX. XXXX assisted with this matter and the home will not be secured. On XXXX XXXX, 2015, housing counselor received an email from Dovenmuehle asking for more documents. Sent request to borrower and decided it was time to file a complaint. While NHHFA does not have to comply with CFPB regulations being a housing authority, we believe Dovenmuehle does have to comply.
|
| 02/16/2022 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/XXXX, we contacted XXXX, Dovenmuehle Mortgage , Inc. because we realized that we were not going to be able to make the monthly mortgage payment of {$2300.00} because my co-borrower has lost his job. At which time they had me complete a Loss Mitigation Assistance Application and that once we were in the Loss Mitigation process they would not be reporting us a delinquent. The application was completed and on XX/XX/XXXX they put us into an FHA Special Forbearance which started, on XX/XX/XXXX, in which they stated the payment would be Zero. However, even though we were told that we did not have to make any payment we continued to scrape together the full monthly payment of {$2300.00} each month at the cost of our other obligations not being met. Then on XX/XX/XXXX, we received a document named FHA HAMP Modification and Partial Claim, which states " The first modified payment, principal, interest, taxes and/or insurance in the amount of {$1600.00} will be due XX/XX/XXXX. Since that date, there have been no late or missed payments. I have continued to call and email them, receiving multiple promises to get our credit reports corrected as they are showing that we are 90 days for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX as 90 days late. When I call the people I speak to look at the payments received and can see that nothing has been missed since XXXX and XXXX of XXXX. On XX/XX/XXXX we called them again and were told again that the research department would look at it and get back to me. We have not heard back from them and it has been over a week. So we called again today and were left on hold for almost an hour, we asked to speak to a supervisor and the call was transferred to the Escalation Supervisor Team and we were hung up on and did not receive a call back after. We have done everything that they have asked us to do and they continue to not get this matter handed and it has been almost a year that they have been reporting us as 90 days delinquent. This is unfair and wrong. Please help me get this matter resolved.
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| 12/31/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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I purchased my home on XXXX XXXX, 2015. My first payment was scheduled for XXXX/XXXX/15 to be made to Primary XXXX Mortgage in the amount of {$890.00}. The first payment was deducted from my bank account on XXXX/XXXX/15 in the amount of {$900.00}. The second payment was made to the same servicer via a cashier 's check on XXXX/XXXX/15 in the amount of {$890.00}.
I was notified in XXXX that my account was going to be service transferred to XXXX XXXX XXXX XXXX XXXX mortgage ) and the payment for XXXX/XXXX/15 was to be made to them. The account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX as current, due for XXXX/XXXX/15. The XXXX payment was processed on XXXX/XXXX/15. The XXXX payment was also sent to XXXX and processed on XXXX/XXXX/15. I received a letter from XXXX XXXX XXXX at the end of XXXX advising that my XXXX payment had not been received. I called and spoke to an agent who advised that I must sent in proof of payment. The proof of payment was faxed on XXXX/XXXX/15. On XXXX/XXXX/15, I received a call from the servicer advising that they completed research and determined that all payments were posted accurately and the account was still delinquent. I spoke to a supervisor who advised that at the time of service transfer, the account was 30 days delinquent and due for XXXX/XXXX/15.
I sent in an additional proof of payment for all XXXX payments, including a screenshot of my transaction history on XXXX/XXXX/15. I have called every other day since then and have yet to receive a response. My last conversation was on Monday, XXXX/XXXX/15, in which the agent advised that they are trying to get a hold of CHFA to see what happened. As they answered the phone as XXXX loan servicing, I was under the impression that they were doing the research. It has been almost 30 days and I have yet to receive a response.
Additionally, on top of the dispute, I am currently accruing late charges and negative reporting to my credit.
I would like to have this issue resolved as soon as possible as it has been over 35 days since the first dispute was sent in.
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| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I had a COVID forbearance agreement with XXXX XXXX XXXX XXXX Dovenmuehle Mortgage Inc. ) which ended XX/XX/2021. At the start of 2021 I contacted the mortgage company to end the forbearance and do a loan modification. They didn't send me the loan modification paperwork until XXXX. During that time I resumed my normal payments and called them multiple times to get the paperwork. After receiving the modification terms, I promptly accepted them and made the required three trial payments. After those three months the mortgage company should have promptly sent me the final approval paperwork to convert my loan into a 40 year loan at a lower rate. It's been over five months since then and they still haven't sent me the final paperwork despite me calling them multiple times per month. It's been around 11 months since this process was started while others I've talked to get it completed within 4-5 months.
Their call center keeps saying they'll notify the underwriter, contact a supervisor, or that they've already mailed the paperwork but it has never shown up in my mailbox nor have I ever had any mail stolen. I've confirmed my mailing address with them multiple times. The USPS sends me scans of the mail I'm about to receive and those have never had the final paperwork. I've received other mortgage related documents from the company during this time but still haven't gotten the paperwork they've ( falsely? ) claimed to have mailed me. They have refused to provide tracking numbers, refused to deliver the documents electronically ( even though the initial paperwork was provided both electronically and successfully through the mail ), and refused me from coming into the office to sign the final paperwork.
Further, three months ago they started charging me late fees despite not being late on my payments. When asked, they confirmed I've paid on time yet said the late fees will continue anyway! They also told me to pay a lesser amount than what's showed on my statement, but that would only encourage even more fees so I've continued to pay the full amount.
|
| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2020, I received notice from my homeowner 's insurance agent that my homeowner 's policy had not yet been paid and would lapse if not paid in full ahead of the expiration date, XX/XX/XXXX. She also informed me that, were the policy to lapse, I would be unable to obtain the same rate or coverage under a new policy.
I called my mortgage servicer, Dovenmuehle, that same day to inquire about the issue. A customer service representative said that Dovenmuehle had sent a check to the insurance company already. She said that Dovenmuehle would not send another check until it tracked down the first check to see whether it had been cashed. She said that process, checking on the check, would take five business days. I informed her that the policy would lapse before then and asked her to contact the insurance company to work out the issue. She refused, saying that Dovenmuehle satisfied its only obligation by sending the check and would not do anything more until the results of the inquiry on that check.
Because waiting on Dovenmuehle would have meant the expiration of my insurance policy, I paid the premium myself on XX/XX/XXXX.
On XX/XX/XXXX, I learned from my insurance agent that Dovenmuehle had sent a bulk check, that is, a check containing premium payments for more than one policy, and that the insurance company did not accept bulk payments. I contacted Dovenmuehle to inquire about obtaining a refund from my escrow account and ensuring that such issues do not take place again. The customer service agent and supervisor informed me that the results of the inquiry on the first check arrived XX/XX/XXXX ( two days after the policy would have expired ). They said that Dovenmuehle should not have done anything different in the situation, that it satisfied its obligation by sending the first check and that it could not have acted further until the results of the check inquiry came back. I reiterated that the policy would have expired had I not intervened. They had no answer for how the company would ensure that this does not happen again.
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I used XXXXXXXX XXXX XXXXXXXX to refinance my home. The process began in XXXX of 2020 and the final payment to Dovenmuehle mortgage was made on XX/XX/2020. On or around the time of payoff to Dovenmuehle, Dovenmuehle attempted to sell my loan to XXXX. XXXX realized I had just payed it off so the loan transfer was never completed. XXXX XXXX XXXX and the Title company used informed me I would be receiving a check for just under {$11000.00} ( representing the escrow money from the sale ). XXXX came and went, and beginning of XXXX I called Dovenmuehle " Where is my escrow money '' - they told me " XXXX has it ''. I call XXXX " We never went through with purchasing your loan, why would we have your escrow money? '' I call Dovenmuehle - ( bear in mind now a total of 22 times ), getting different answers, dodge and minimize, let me transfer you to a supervisor - the transfer you to a supervisor routine sent my call into a call completion survey asking how the service was about 8 of these 22 calls ). I was told around XX/XX/XXXX " Oh look, we've found your escrow money '' - you'll get in a few business days. Nothing. I called a week later " where is my money ''. They say " we see it in the account, hmmmm, let me transfer you to a supervisor '' ( only to get cut off once again ). The next time I finally get through I'm told " we cut the check on the XXXX of XXXX but it hasn't been mailed '' - I ask " Can you send it overnight, I'm unable to pay bills and need that money '' - they said yes. It is now XX/XX/XXXX. Yesterday I made 3 calls, the first two got dropped in transfer to a supervisor, the final call asked the front line called " please please ask a supervisor to call me, you are unable to effectively transfer me and I need this money ''. She took down my name, number and old loan number. NO CALL. I call today, they tell me " it looks like the check was mailed yesterday, I can't tell if it was overnight or snail mail maam, I'm sorry you will just need to be patient ''. Dovenmuehle has such a scarcity of customer service it's astonishing.
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| 03/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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The mortgage processing department at Dovenmuehle Mortgage , Inc. has regularly sent my insurance payment to the wrong address and refused to update to the correct address. This first occurred in XXXX and again in XXXX requiring the company to send another check to the correct address making my escrow account appear to be at a negative balance. In XXXX this was handled internally to their company, which was ok. From the XX/XX/XXXX incident it wasn't quite as easy since my new account had a negative ~ {$4000.00} balance.
Dovenmuehle Mortgage , Inc has lied to me on several occasions stating the insurance company cashed both checks ( they did not, which they later admitted in another phone call ), stated the refund would come directly to me ( it will not and the check was never made ), they lied multiple times about the check being sent to the new processor but can not provide any proof that happened and the new processor has not received the check.
The company has also failed to give me a contact that can help, instead the only option is to call their call center ( and I can not talk to anyone in the accounting department ) and explain the situation all over again multiple times a month where I am consistently lied to and my issue is not resolved. Multiple time i have been promised they will send a letter showing " proof '' the check was sent but they have been unable to actually fulfil that promise. Dovenmuehle Mortgage, Inc owes me almost {$4000.00} which I know might not be much for them but that is a large impact to me.
Finally, I know I have been frustrated while talking to these customer support personnel but they have been especially rude and unhelpful. The supervisors are in particular the worst offenders, answering the phone already annoyed. I can not get these supervisors to call me back, they will not give out email addresses and finally I have started emailing the CEO asking for help but he will also not respond. This has been a terrible experience and no one within that company is interested in fixing their mistake.
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| 07/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I refinanced my mortgage XX/XX/XXXX. On XX/XX/XXXX, a scheduled autopayment was drafted from my account to Dovenmuehle, the mortgage company for the old mortgage that had just been paid off, in the amount of {$1300.00}. I immediately called Dovenmuehle to get the money refunded and was told it would take 7 to 10 business days to process. The check never arrived. I called back after 10 days and was told it would take 7 to 10 business day to mail after the processing time. After that time passed, I called back and was told they need to reissue the check but could not do it until a month had passed. I called back after the month deadline and was told they would reissue the check but I needed to wait 7 to 10 business days for processing. I called several times during processing to make sure it was still being processed and was told it was. I waited for the check, which never arrived. I called back and was told there was some mistake on their end as to why the check did not process. I went through this cycle again. And again. This cycle continues until today. I have dates of calls, names of who I talked to, and what was told to me. I just want the money back that is due me, but Dovenmuehle will not send it back and continues to make excuses as to why they can not get a simple refund check to me for this overpayment. They acknowledge there was an overpayment but will not send me the money. In the process of my calls I explain that I have received the escrow refund, I am looking for the overpayment refund. I tell them the amount and the date it was drafted out of my account. All of that is verified on my calls to them. But I continue to get excuses that the people did not understand what it was that I wanted refunded. It has been four months that Dovenmuehle has held my money, money that is not theirs. My recent communication with them was over two weeks ago where they took my phone number and email and were going to contact me within 3 to 5 days. That time period has come and gone, and I have not heard from them. And no check has arrived.
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| 08/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX, I began the process of refinancing my equity loan with XXXX. The loan was transferred from XXXX to XXXX XXXX in XX/XX/XXXX. This loan has never been late and each payment was made in full on time. I planned to complete renovations on my home in XXXX before I encountered an unexpected delay that caused the renovations to continue into XXXX. During the month of XXXX, I closed on the refinance on XX/XX/XXXX and expected the disbursements to occur within 3-5 days of closing. In fact, I received the disbursements on XX/XX/XXXX.
On XX/XX/XXXX the loan with XXXX XXXX was transferred to XXXX Bank. At this point, I was not notified from neither XXXX XXXX or XXXX Bank that the payment was late. I was only notified that the loan has been transferred. On XX/XX/XXXX I was notified that Dovenmuehle Mortgage ( DMI ) reported my account 30 days delinquent. On XX/XX/XXXX I reached out to my loan advisor at XXXX for clarity and was partnered with the Care Team of XXXX to correct this reporting.
I reached out to DMI myself and was denied twice even after submitting the requested documents. I submitted the email showing that my loan advisor advised me not to send a XXXX payment since the loan was scheduled for payoff ; my credit report showing the delinquent reporting ; and the email verification to show the date the loan closed. The first response from DMI stated the account was reported in good standing. The second response denied my request for changes. The care team of the financial institution that I am refinancing with reached out to DMI directly. They explained the timeline and how I was not at fault ; but, DMI responded and declined the request to make any changes.
I have sent another email asking for a goodwill adjustment. I have never been late on any accounts. I have always maintained an A+ relationship with all banks and financial institutions. The missed XXXX payment was a mistake. This loan was being refinanced and transferred at the same time. I hope that with the help of CFPB that the reporting can be corrected.
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| 04/04/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.
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| 03/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.
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| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2021 I closed on a new home with XXXX XXXX XXXX XXXX XXXX as my lender. The mortgage was subsequently sold to Dovenmuehle Mortgage. The closing disclosure dated XX/XX/2021 clearly states that I elected to waive escrow for my homeowner 's insurance and property taxes, and that only my flood insurance would be escrowed. XXXX XXXX XXXX XXXX XXXX told me that federal law required them to escrow my flood insurance premium, although I am not sure that this is true as in subsequent conversations their employees have made contradictory statements. In any case, the annual flood insurance premium is only {$490.00}. On page 4 of my closing disclosure it is clearly stated that a {$41.00} monthly escrow payment is all that will be charged to cover this.
For the first few months the monthly charge was correct and all my payments have been made on time. But today I received a notice that my upcoming automatic payment on XX/XX/XXXX will include {$270.00} in escrow charges. I also received a separate piece of mail from them indicating that my escrow account was at insufficient balance to cover my homeowners ' insurance. I already paid my insurance company the full first year homeowner 's premium upfront at closing, and again the closing document clearly states that only flood insurance shall be escrowed as future homeowners and property tax payments will be made by me directly. To me this is a blatant breach of our agreement and an attempt to overcharge me.
I also find it interesting that when I contacted XXXX and asked how they possibly could have mistakenly tagged my {$41.00} monthly payments as homeowners ' escrow rather than flood since flood insurance is required to be escrowed by federal law, the representative indicated that this is not true since my home was not in a flood zone at the time of closing. This directly contradicts what the mortgage officer who closed my loan told me. While I am alright with escrowing flood insurance, I would have preferred not to and only did so because XXXX told me it was a legal requirement.
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| 11/30/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Unfortunately, I lost my home to wildfire on XX/XX/XXXX. A couple weeks later I received an insurance check for my dwelling coverage which I signed and forwarded to my lender Dovenmuehle at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX with instructions to pay off my mortgage and refund the amount above my outstanding loan balance which was approximately {$33000.00}. On XX/XX/XXXX my escrow account showed the check was applied towards my outstanding loan balance resulting in a XXXX loan balance and a $ XXXX escrow balance. I was told the escrow balance would then be promptly refunded to me. However, in spite of paying off my loan in full Dovenmuehle subtracted an XXXX mortgage payment of $ XXXX. About 5-6 weeks ago Dovenhuehle said they mailed the $ XXXX check but it never arrived. However, I did receive a refund of the XXXX mortgage payment. I called back in early XXXX asking the status of the $ XXXX check and they were concerned it never arrived as they stated it was sent more than a couple of weeks earlier. They advised I wait until XX/XX/XXXX and if it didn't arrive by then to call back to have them cancel and reissue the large check. I called on XX/XX/XXXX and requested a cancelation and re-issuance of the check because it never arrived. Then on XX/XX/XXXX I received a check which was meant to be the amount above my pay off, the $ XXXX check, but it was another refund of one mortgage payment. To date, I've received two checks, one for the amount they mistakenly debited from my account and a second payment which was supposed to be for approximately {$33000.00} but instead they sent a payment for a mortgage payment around {$2200.00}. They have really messed up twice in two months and after calling today they said they messed up again and it may take up to a month to issue a new check. I'm upset that they have messed up twice and will not escalate this to have it resolved. After losing a house from wildfire the last thing you expect is a mortgage company to incompetently hold onto your funds while you're left in the lurch.
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| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Thanks to XXXX XXXX 's furlough program and a lengthy and costly divorce, I was forced to file bankruptcy in XXXX. I was informed by XXXX XXXX, that because I filed for bankruptcy, they can not, by law, send me a monthly mortgage statement. I receive a Form XXXX at the end of the tax year. Prior to the XXXX tax year, the Form XXXX did not show the loan balance. I had to call XXXX XXXX loan servicing department and have them mail me a statement. The matter concerning the homeowner 's insurance gets a little complicated. In essence, the roof developed a leak, I had it fixed but the roofing company that performed the repairs went out of business and I did n't have anything to prove that the repairs were completed, so the insurance company ( XXXX ), cancelled the homeowner 's policy. Ironically, I was referred to the roofer by XXXX when I filed the claim. Wherein after being notified by XXXX of the cancellation, XXXX XXXX, took out a policy with another insurer but I have to pay the premiums which is almost double what I was paying.
So I 'm in a Catch 22 situation : In order to obtain coverage on my own, I have to provide proof of insurance. Without proof of insurance, I have to maintain the insurance coverage the XXXX XXXX obtained. And unless I can get the roof replaced, I ca n't obtain insurance ( at least not at a reasonable cost, if at all ). I even applied for HARP to get out from under XXXX XXXX or at least reduce the mortgage payment enough to allow me to have the roof replaced, but the XXXX XXXX made that effort unnecessarily difficult. So now, I avoid having to deal with them entirely. The current issue is that I attempted to obtain a loan to have the roof replaced ; however, the XXXX XXXX has not been reporting my mortgage payments to any of the credit reporting agencies. As a result, not only is there no reporting of my mortgage payments since XXXX but I ca n't get a loan because no insurance company will write a policy until XXXX XXXX, XXXX -- three years after I originally filed a claim to have the roof fixed.
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| 10/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I purchased property in XXXX NC in XX/XX/XXXX. Our lender was XXXX XXXX, but our loan was sold shortly after closing to Dovenmuehle. At the closing, we paid the insurance for the year on the property, thus we have had insurance since the loan inception. In XXXX, we changed over our property to our business name, LLC. We notified Dovenmuehle of the change and they required us to pay {$120.00} for the name change. Since XXXX, they have not changed our name on the loan. In addition, they have issued forced insurance coverage on us in the amount of {$4.00}, XXXX, increasing our monthly payment by $ XXXX/month. My husband has literally called them now over 25 times. The customer service representatives tell us they have all our information on file and can see that we have reached out to them numerous times, but they can not help us- they do not have the authority to rectify the situation. On XX/XX/XXXX, my husband spoke to XXXX, customer service agent, and she told him it would take at least 2 months to adjust our payment. Why? This has been going on since XXXX and we provided them again with proof of our insurance ( with our XXXX name change ) in XX/XX/XXXX. On XXXX XXXX, XXXX, I spoke with Dovenmuehle again, the customer service rep. was nice and at least responsive, but said it takes 2 months to rectify this situation because of RESPA. The problem is Dovemuehle only acknowledged this needed to be corrected XXXX XXXX, XXXX when we provided them with our proof of insurance in XXXX it's been much longer than 2 months. This should have been corrected before now and before we are FORCED to pay XXXX additional mortgage. We are paying for their mistakes. The customer service rep., XXXX admitted this to me today. Apologies are nice, but they do not negate the fact of their negligence to resolve this issue and requiring me to pay the extra mortgage fees. They said the earliest it could be corrected would be XX/XX/XXXX. This is a travesty and quite possibly the worst customer service I have ever experienced.
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| 01/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since XX/XX/XXXX I been contacting our mortgage company, Dovenmuehle Mortgage Inc. to address the need to make our tax payments and correct our impound account.
The property in question is in the county of XXXX XXXX, purchased XX/XX/XXXX. The mortgage company began an escrow account ( in which we requested, but they will not let us close now ), at approx {$10000.00} annually ( two installments of {$4900.00} each ).
The county issued a secure property tax bill ( {$770.00} x2 = XXXX ) and two supplemental property tax bills ( {$4300.00} x 2 and {$170.00} x 2 = XXXX ) instead of combining them in to one bill with two installments. The mortgage company paid the supplemental property tax bills as I requested, however are still showing that {$4900.00} is due in XXXX, hence stating we have a shortage in our impound account.
They have requested documentation from the county reflecting otherwise to make the changes to the impound account as they increased our payment by {$390.00} at month. I have provided this documentation several times, however they are now stating they will continue to collect the higher amount until they reanalyze the impound account in XX/XX/XXXX. Per the supervisor, ( I can't get anyone higher to up to call me ), they will only pay what the county reflects is owed in XX/XX/XXXX, and they have the documentation reflecting it is only {$770.00}, however they WILL NOT make the changes to the payment amount. Hence, we will be required to continue to pay them the {$390.00} a month unnecessarily until they want to change it and then reimburse the funds back to us. Why do they have the right to collect money they agree they don't need? This puts us in financial strain and if we don't make the payment we may loose our property.
Secondly, if they make the payment to the county of {$4900.00} instead of the amount due, we will show a shortage and then again risk loosing our property.
I have sent attachments to them on 12 occasions since XXXX XXXX now and we have gotten no where.
PLEASE HELP US.
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| 08/04/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I received an email an email on XX/XX/XXXX telling me that my forbearance, which was under the CARES act, was ending soon ( XXXX ) and I needed to request the extension as soon as possible if I needed it. I was told I could request this through XXXX I attempted this, and they said they can not process that request. I also emailed you directly and never received a reply. I was asking for the additional 6 months as specified in the CARES act and also as mentioned in the letter you have sent me during my last CFPB complaint.
I sent a letter with tracking to you on which was received by you on XX/XX/XXXX also requesting this extension.
I then called on XX/XX/XXXX to confirm you had received the letter. I was told by the representative you have, and the request will finish processing XX/XX/XXXX. I called on XX/XX/XXXX, and was told you did not receive my request and the forbearance was ending XX/XX/XXXX. I was also told you refuse to extend an additional 6 months in accordance with the CARES act, and would only look into extending it 3 months at a time.
I have also previously called to inquire what you will need from me as far as income requirements and other questions when I do eventually restructure the loan to bring it current, and no one is able to give answers to the questions. I do not understand how you expect me to eventually bring this loan current if you can not tell me what will be required of me at the time.
In short, I want you to extend the forbearance the additional 6 months in accordance with the CARES act and also give me the contact information for someone who is knowledgeable in the restructure process for the mortgage at the end of the forbearance so I can ensure I am prepared for it. I was told the options at the end of the forbearance are restructuring or a partial claim to bring the mortgage current.
This is my second complaint with CFPB largely due to your unresponsiveness and inability to follow up or answer questions at all and/or in a timely manner ( generally 4+ weeks ).
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| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We entered into a loan modification with Dovenmuehle in XX/XX/XXXX. We were repeatedly assured that we would not be considered behind on our payments, that our credit report would not be affected, and that we would be given options at the end of the agreement for how to repay the remaining amount. One of the options given was the ability to add the remaining debt amount to the overall loan amount at the end of the modification term. Without any notice to us, Dovenmuehle was placing our loan payments into a suspense account, considered us delinquent on payments, and transferred our mortgage to a debt collector in XX/XX/XXXX, all without notice to us, as is federal law, that we were considered delinquent, and with no option to repay. The debt collector came after us for a balloon payment and threatened to foreclose immediately. Dovenmuehle reported on our credit that we were 60 days late. We had to beg and borrow money from family members during a time of extreme financial distress in order to keep our house, while also having our credit impacted by the delinquent report.
We argued our case with Dovenmuehle for most of XX/XX/XXXX to no avail. We filed a Consumer complaint about Dovenmuehle 's unlawful and unkind practices in late XX/XX/XXXX, to which Dovenmuehle finally responded, via a mailed letter in XX/XX/XXXX ( attached ), that they made the credit report in error and would correct the issue. After a few more months of waiting for it to be removed from our credit report, we spoke with Dovenmuehle again and were told that they rescinded the correction in XX/XX/XXXX, AGAIN with no notice to us. We also contacted Transunion to try to get some traction on this issue, and they were completely unhelpful, stating that Dovenmuehle does not want to remove the erroneous reporting, so there is nothing they can do.
We have gone around and around on this issue for a year and a half, and it is way past time for something to be done. We should not have to suffer for Dovenmuehle 's unlawful behavior.
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| 12/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Older American |
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We were notified that our loan of {$340000.00} was sold to XXXX XXXX and the servicing was being transferred from Dovenmuehle Mortgage to XXXX XXXX XXXX at the end of XXXX. At the time, we had already arranged an electronic transfer of {$1500.00} from my husband 's XXXX XXXX account to Dovenmuehle for the XXXX mortgage payment of {$1400.00} plus {$89.00} addition to be added to the principal. I called Dovenmuehle in late XXXX to cancel the transfer and I attempted to cancel the transfer myself on their websites. Both were unsuccessful. I was told by the customer service rep at Dovenmuehle that our transfer would either not go through or if it did, it would be transferred over to XXXX XXXX. Our transfer did go through on XX/XX/2020 to Dovenmuehle. Since that time, our loan for the full amount of {$340000.00} was transferred to XXXX XXXX, however, our XX/XX/2020 payment of {$1500.00} was not transferred or refunded to us and is not reflected in the balance that was transferred to XXXX XXXX. I called both XXXX XXXX which has no record of a transfer from Dovenmuehle, and Dovenmuehle was told various excuses on my several calls to Dovenmuehle including this last time on XX/XX/2020 with my attorney on the phone speaking to a supervisor at Dovenmuehle named XXXX. We were told Dovenmuehle needed to find a tracking number for the transfer to XXXX XXXX. We wer told the Dovenmuehle had the money on a suspence account. We were told they never received the money until I provided them with a copy of the bank statement showing the transfer at which point they said they never received the statement. We expected to hear something back by yesterday XX/XX/2020. No response. No tracking number for our money. No explanation for where our money is. We had to make an additional payment to XXXX XXXX to keep from having a late fee applied to our mortgage payment and we are still missing our money. We either need to get a full refund or have the money transferred and applied to our loan at XXXX XXXX immediately.
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| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our experience, like many other Dovenmuehle consumers who are widely complaining about the company on internet review sites, started with Dovenmuehle purchasing our mortgage.
We did not choose to do business with this company, but were forced into a business relationship with them. They immediately got our monthly payment amount wrong in the first month of purchasing the mortgage XX/XX/XXXX. It required a dozen phone calls to get the corrected payment amount recorded on our statements. Due to their error of sending the wrong initial payment amount, our first couple of payments were not being applied to the mortgage, but sitting in an escrow hold. When we identified the problem of the billing amount being wrong, they corrected the problem but still charged us a late fee for our payment made in the incorrect amount, even though it was made on time. This late fee was ultimately removed after several phone calls.
Fast forward over a year later to XX/XX/XXXX, we made our monthly payment via our bank 's bill pay, but accidentally switched 2 digits while typing in the payment amount. This typocreated a short payment amount which we immediately corrected once we were notified. We apologized for the honest typographical error and made the necessary payment to correct the payment shortfall. The resulting {$92.00} fee was not removed because we were told that " Dovenmuehle has a ONE-TIME courtesy late fee waiver policy over the LIFETIME of the loan. '' We appealed that the payment was NOT late or delinquent, but sent in the incorrect amount due to an obvious typo resulting from switching 2 digits while typing the amount into an electronic bill pay system with our bank. Their answer was too bad, the fee is valid.
I have never worked with a company with such complete disregard for their customers. There exists a huge list of complaints online with situations very similar to ours. This is evidence that they continue to treat consumers poorly and continue to get away with it. THIS MUST STOP!!!
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| 03/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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My husband and I owned a single family home. He died last XX/XX/XXXX. This house was on XXXX XXXX XXXX in XXXX NC was put on the market, sold and closed on XX/XX/XXXX. " Dovenmuehle '' was the lender, account # XXXX. The mortgage was due at the beginning of the month so the time between XX/XX/XXXX and XX/XX/XXXXshould have been prorated and the remainder paid to me. I never received a check so I started calling to find out why I hadn't.
I called and spoke at length to " XXXX # XXXX who said that a check had been sent to XXXX XXXX instead of my home at XXXX XXXX XXXX, XXXX NC. ( why would they send a check to the address of the home I sold? ). XXXX said she'd put in a request to reissue the check and send it to me at XXXX XXXX XXXX
The check never came.
I called on XX/XX/XXXX and spoke with " XXXX '' who said I needed to send them a death certificate before they could issue the refund. I sent it in. No check.
I called on XX/XX/XXXX and was told I would have to fill out a form formally to change my address. I completed it and sent it back to them.
I called on XX/XX/XXXXand spoke with " XXXX. '' She said they would have to check with the credit bureau to remove my deceased husband from the account before they could issue me a check ( why this didn't apply in XXXX when they sent a check to the old address, I don't know ) I called on XX/XX/XXXX and spoke with " XXXX ''. I asked to speak to a supervisor. I was transferred to " XXXX '' ( XXXX ) who told me that the information wouldn't go out to the credit bureau until the end of XXXX.
Still no check. So I called back on XX/XX/XXXXand spoke with " XXXX '' ( XXXX ). She said she saw all the records about my calls and that " it should have been taken care of. '' Apologies, apologies. She said she had put in a request for a check to be cut and sent to me. Told be I should receive it in 7-10 working days.
You guessed it.
Still no check.
Mortgage company : Dovenmuehle XXXX XXXX XXXX, XXXX XXXX, Ok XXXX. ( XXXX ) XXXX
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| 03/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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To whom it may concern, My mortgage company is Dovenmuehle. I have been trying to work with the loss mitigation department since last XXXX or XXXX so that my payments could be adjusted to avoid foreclosure. I was first on the forbearance program since XX/XX/2020 because my husband lost his job due to Covid. Around last XXXX or XXXX I got a foreclosure letter to my surprise because I thought I was still on the forbearance program. I was explained the forbearance was over and that I needed to work with loss mitigation so that they could put me in a program or adjust my payments. I was also given some type of consumer assistance phone number for assistance. I called that number and either they don't pick up or when they do they say they're going to email me a package and they don't. I always check both my inbox and junk mail every day.
Not once was it explained to me that while I was working with loss mitigation that I needed to resume payment. I was under the impression that loss mitigation would put me in some type of program and from there I would make payments. Had I known they wanted some type of payment we would have tried to work something out. I have also requested assistance on their loansolutioncenter website. I have been trying to reach loss mitigation the past few weeks. I stay on hold for an hour until I finally leave a message. The voicemail says I will get a call back in 24-48 hours. I never ever got a call back. Today, I call and am very surprised, shocked, scared, and angry that my home is now in foreclosure when I have been trying to work with loss mitigation and no one is getting back to me!!!! I CAN NOT lose my home! PLEASE!!! I'M BEGGING! This is my children 's home. Please please please work with us. We will do anything!
You guys can email, call, come over, anything. Please respond to me and work with me. I can not lose this house. We have nowhere else to go. We love our home. Our small children love our home. Please tell me what else you need.
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| 11/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Fees charged
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|
Web |
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I spoke with XXXX XXXX XXXXDovenmuehle Mortgage, INC back XXXX XX/XX/2023 when I realized that I failed to provide them with my new checking account information for my XXXX payment. That is my fault and I realize that I made that mistake. I spoke with a representative, I can not recall her name, but I provided her with my XXXX XXXX XXXX Checking account information ending in XXXX. She assured me that it was ok and that she would have it reprocessed for XX/XX/2023. I kept an eye out for the transaction in my checking account and did not see it. I received a notification from my old financial institution that my account was in the negative by {$9.00} due to a transaction from Dovenmuehle and I had been charged a fee for {$32.00}.
This was in addition to their attempt on XX/XX/2023 due to my failure to provide the updated checking account information.
When I called XXXX XXXX XXXXDovenmuehle Mortgage, INC today , the customer service associate I spoke with would not listen to me when I was trying to explain that they had tried twice to withdraw the funds from the old checking account. I gave up and asked for a supervisor. I was transferred to XXXX. XXXX was rude and spoke over me. She could not explain why I was told my correct checking account would be billed for the XXXX payment on XX/XX/2023 when I provided the new checking account information on XX/XX/2023. I felt that I could not trust XXXX as she seemed to not believe that they had attempted to withdraw the XXXX payment again or that I was told that. She wouldn't even take a payment from me. I asked to be made whole for their error and have something in writing so that I could get the {$32.00} fee from my bank for their 2nd attempt to be refunded to me. I had her spell out the email address as she refused to do anything via phone and it had to be in writing. The email ended up being returned as not delivered. I found a way to access XXXX XXXX XXXX directly and sent a message to them and have never heard back.
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| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Miss appropriated payments : We have a mortgage on our house in Utah that we got through XXXX XXXX credit union. It is being processed by Dovenmuehle out of Illinois.
We have been trying to pay down our loan by paying an interest only payment about every other month. Numerous times the payment is not posted to principal even though we have done what both institutions ask us to do by writing on check and marking payment boxes online that state clearly that the extra payment is for principal only. ( Our monthly payment is always a timely auto deduct / draft and has never been late. ) Our last payment of {$8000.00} was once again applied wrong. A portion went to principal, interest and escrow. Our home balance at that time after posting it their way was {$80000.00}. After correcting their mistake and posting the {$8000.00} toward principal only, our new balance was {$79000.00}. A difference of {$620.00} ( deduct the reversal of escrow account ) we still were behind {$310.00} their way.
We have been told that our account has been marked special and we would never see the problem again. That was XXXX problems ago..
It 's amazing to me that our account : " XXXX '' have been marked special when they ( Dovenmuehle ) process over a million home loans a year. It begs the question : How many Americans are being fleeced by this action ( non-action ).
Can we sue them for this or even instigate a class action suit? There should be some regulation to insure principal payments are just that and protect people like us, who nearing retirement age, need to pay off their homes as effectively as we can.
Please let us know what can be done. We have documentation and tape recordings of conversations with both institutions.
P.s. ..XXXX, now 5 months later and again they have miss appropriated our funds. XXXX payments XXXX {$10000.00} and the other {$7000.00}. They both got divided up with interest and they did n't accept the auto draft for the two months payments. Help!!!
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| 07/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
A recent case with CFPB was marked closed but the lender Dovenmuehle Mortgage , Inc. did not fully execute all of what they stated they would do ( money owed to me was not sent via check, no tracking, no image of the check has been given to me ). Case Number XXXX. Based on your CFPB data Dovenmuehle has a history of misplacing or not sending out checks owed to consumers. I have not received the check owed to me even though the company stated in electronic correspondence that it was sent on XX/XX/2021 to my address. Additionally I have stopped receiving any form of correspondence from Dovenmuehle since XX/XX/XXXX via mail, which I had been previously been receiving, i.e. status report letters of communication between myself and the company. I have a mail service which scans all of my incoming mail and no mail has been received from Donvenmuehle since XX/XX/XXXX ( since I actually escalated my case through CFPB ). Because of the lenders history of not sending checks and the fact that the lender never complied with my inquiries before CFPB assisted me I am requesting that CFPB get me the check that is owed to me. Either tracking information or an image of the check, but more importantly that I actually physically get the check. It is a substantial amount of money {$3700.00}. I am concerned that the lender will state that it was mailed and that I must wait 90-180 days for another check to be issued. I am a XXXX XXXX veteran which is why I am owed this money ( previous case explains the reasoning as to my why I do not pay property taxes in ILLINOIS ). Please if you could help me acquire the check owed to me. LOAN NUMBER XXXX, GUARANTEED RATE ( DOVENMUEHLE MORTGAGE INC ) ADDRESS OF PROPERTY XXXX XXXX XXXX, XXXX, IL, XXXX. Attached to this request is a letter from lender of day check was sent and a picture of my mail service that scans every piece of mail which is why i can prove nothing has been received by me nor has arrived at the post office.
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| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Hi, I set up bill pay and my payment date was moved early due to the memorial day holiday. At that time I did not have enough funds in my account to pay my mortgage. My bank notified me of that and noted I needed to move funds into the account by XXXX. I moved funds by XXXX and reached out to the bank to confirm the payment was processed. They said no it was returned with NSF and I had overlooked that it was XXXX EST not PST.
That is all fine. So know that it was returned with NSF. I set up another payment to process on the XX/XX/XXXXSo the XX/XX/XXXX comes around and Dovenmuehle retried and pulled the first payment I set up that was originally returned with NSF as well as processed the second payment. I did reach out to the company via chat because their phone tree is horrific and they said they could not accept my request via chat and I would need to request it via mail or email. So I requested the refund via email the same day the 2 payments were processed. I did follow up the next day to check on an ETA on the refund. They did not respond. So 3 days later I called and asked about an ETA and it would essentially take 8 days from when I requested the payment reversal to get the payment back. Since it is past when my bills are coming due it is no longer useful so I requested to cancel it on the phone and they said I needed to send an email for it to be accepted meanwhile my emails get no response.
I am frustrated because I was depending on that money to pay other bills and now I am receiving multiple fees and interest due to them retrying a payment returned with NSF without any notification to me. If I would have known, ie they sent an email when they received NSF stating that they were going to retry my payment I could have avoided this whole situation.
At this point waiting until the XXXX will not be of any help as the due date for my other bills will have already passed and I am expecting another source of funds to come in then.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX File Id # XXXX Will someone at XXXX PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to XXXX, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against XXXX and DovenMuehle Mortgage/XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ).
XXXX and DovenMuehle MortgageXXXX are inaccurately reporting that I have a balance of {$17000.00} for a Student Loan. First of all, I have never taken out a student loan with DovenMuehle MortgageXXXX XXXX Secondly, DovenMuehle MortgageXXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with DovenMuehle MortgageXXXX ; however, the mortgage was originally sold to Lower and, most recently, to Provident Funding. Because the mortgage was sold, the tradeline for DovenMuehle MortgageXXXX should show a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. XXXX refuses to report the balance of the DovenMuehle Mortgage/XXXX correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the DovenMuehle Mortgage/XXXX tradeline. This means XXXX has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my XXXX credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against XXXX and DovenMuehle MortgageXXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.
|
| 06/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
CFPB Complaint Against Dovenmuehle Mortgage I was caught in an unfortunate situation and in order to save my home, I found myself having to declare bankruptcy. This was due to a significant reduction in income. I filed for bankruptcy on XXXX XXXX, XXXX and received a discharge on XXXX XXXX, XXXX. Although I have continued to make payments on time, I have not received any statements from my mortgage company ( Dovenmuehle ) since I filed. So, I do not know how my payments are being applied, what goes to principal, what to interest, what to escrow for taxes and insurance. I did receive a letter from them in XXXX stating the my mortgage was going up to cover an escrow shortfall. Dovenmuehle has even stopped reporting my payments to the credit bureaus. I have called Dovenmuehle several times requesting that my statements and credit bureau reporting be resumed and online access be restored, but have been rudely denied these services each time. They claim that since I did not reaffirm the mortgage in the bankruptcy I have no legal right to have access to this information, yet they continue to expect on-time payments. I contacted my attorney on XXXX XXXX, XXXX regarding the situation and her response was : " They did not send me a reaffirmation agreement. The Bankruptcy Code does not require debtors to reaffirm debts in connection with real property ; therefore, lenders with liens on real property typically do not send reaffirmation agreements. They are not being truthful when they say that they can not send you a statement. They choose not to send you a statement. '' These are Texas laws maybe not Illinois laws. But I am governed by the laws of the state in which I reside. They want me to reopen my case so I can reaffirm the mortgage. Not necessary in my or my attorney 's opinion.
I have never been treated so rudely by any company as I have with Dovenmuehle. I am not the second-class citizen they would try to have me believe.
|
| 01/17/2017 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
|
In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.
|
| 11/21/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 This complaint was submitted on XX/XX/2023. This followed the 2nd call that I had with the mortgagee and my HUD Housing Counselor on XX/XX/2023. The complaint was that XXXX XXXX DBA Dovenmuehle Mortgage was not acting in good faith while claiming to work with me on loss mitigation and forbearance on the mortgage and for withholding information needed for payoff.
You closed the claim as you state the company responded to you?
Maybe they told you that they sent me an offer and a payoff quote. The only thing that I received was a payoff quote. The payoff was given with less than 14 days to payoff which was including both XXXX XXXX and the XXXX XXXX holiday.
On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage with a letter inside dated XX/XX/2023. The envelope was postmarked XX/XX/2023. The offer inside for a loan modification without financial evaluation was apparently approved six days before the postmark was printed on the envelope. The offer expired three days prior to my receiving the mailing.
I've attached a copy of the envelope with postmark and a copy of the first page of the letter. My question is simply this, why not mention this during the second call with the DOVENMUEHLE & the HUD housing counselor? Surely for an approved offer to have been made on XX/XX/XXXX, it had to be in progress on XX/XX/XXXX.
A loss mitigation forbearance plan is desired, however, one that it would be possible to respond to, accept, and execute would be a necessary for this to be an offer that is more than just " lip service ''.
I did include another letter/postmark scan just to show how common it is with this company to print a letter but hang onto it for an extended period of time before adding a postmark to the envelope. This letter is dated XX/XX/2023 with a postmark date of XX/XX/2023. This letter sat around waiting for over 2 weeks.
|
| 10/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX Veteran that received a {$410000.00} VA mortgage loan from Dovenmuehle in XX/XX/XXXX. Actually I have make my payments and ought {$380000.00} On XX/XX/XXXX the XXXX XXXX County gave me a 100 % Real Property Tax exemption for my property and on an annual basis I submitted the exemptions document to the mortgage company.
This year I submitted the document on XX/XX/XXXX ( There is a letter dated XX/XX/XXXX from the company stating that they received it on that date ( XXXX XXXX ) and here is included ).
On XX/XX/XXXX they sent me a letter stating that they ran an escrow analysis on XX/XX/XXXX, raised my monthly payment and stating they paid the Real Property Taxes to the XXXX XXXX County. I spoke with a supervisor that mentioned they received the documents and paid the taxes by mistake. That Dovenmuehle going to request a reimbursement to the XXXX XXXX County.
Today I received another email threaten me that they will hold the payment they received on XX/XX/XXXX until I submit a payment that included the Real Property Taxes they paid in error. They threaten me to charge me late fees and possible damage my credit at the credit bureau.
The mortgage company received the exemption documents on time before they did the escrow analysis. They received the document ( Tax exemption ) by XX/XX/XXXX and the Escrow analysis on XX/XX/XXXX. Back on XX/XX/XXXX I Have a similar issue and they collected my payment and maintained them well belong the PWC Real Property Tax notice.
This is an scam to get my money and them claim the XXXX and have the money for a long time like they did on XXXX ( CFPB Claim XXXX ).
I need that the mortgage company fix the escrow and stop charging me ( Disable Veteran with XXXX XXXX ) for an error that one of their employee did.
I want they fix my monthly payment to the correct amount immediately and stop harassing me.
Please find here attach all necessary documents.
|
| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Recently, my bank, XXXX XXXX, switched loan servicing company and the name of the new loan servicing company is Dovenmuehle Mortgage Inc.
XX/XX/XXXX at XXXX Eastern Time, I called XXXX ( Dovenmuehle Mortgage Inc 's Customer Service number ) to asked why I cant register my newly assigned account number so I can view my mortgage online or make a principle payment.
They asked me to register through the site again at XXXX XXXX XXXX which is a portal for Dovenmuehle mortgages. I kept encountering an error stating " The Information you Entered does not match our Records! '' and the Customer Service Rep told me that I wont be able to create an account until first quarter of XXXX. That is absurd. I then asked to be transferred to a supervisor. Apparently she was of no help and kept telling me false information. Luckily I have a friend who also has a loan by the same banks and he was able to create an account fine today. I called her out on the false information. She said there is nothing she can do about it and I have to wait till first quarter of XXXX to make an account. She also claims that there was no " register account '' link on XXXX XXXX website which is also false. I will attach screenshots. She then puts me on hold for no reason and makes me wait to come back with " Is there anything else you need? '' -- I asked for her full name and she only gave me her first name and refused to give me her last name. She gave me a telephone code " XXXX '' to reference her. I managed to find her online and her name is XXXX XXXX, Team leader Customer Service at Dovenmuehle Mortgage.
So my main complaint is why on earth is it possible for my friend to create an account today BUT for me, I have to wait 6 months. I would like to be able to access my mortgage information online and be able to make principle payments if needed. I'm not able to login at all to their website to access my mortgage at this current point in time.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
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.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Good evening, I am writing to dispute some information that has appeared on my consumer credit report.
About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by XXXX points. It appears that Dovenmuehle Mortgage has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}.
My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan.
Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current.
Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted Dovenmuehle via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency.
Unfortunately, my family has suffered loss of income and salary, have contracted XXXX ( XXXX included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives.
My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX
Thank you so much for your time and support in the matter. I appreciate your help.
XXXX XXXX XXXX
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were in forbearance with our mortgage company due to reduction of income and XXXX. During forbearance, we accumulated an unpaid balance on our mortgage. We were protected from being reported to the credit bureau because we were protected under the Cares Act. When we came out of forbearance, we were entered into a loan modification program with Dovenmuehle Mortgage. During the modification program we had to make a designated payment for each of 3 months. We made those payments in full and on time. The 3rd and final payment was made in XX/XX/XXXX. After the trial payments we were told we would be mailed documents for us to sign that would modify our loan. The modification would move the past due amount on our mortgage to the end of our loan and bring the loan current with a {$0.00} past due amount. It took Dovenmuehle Mortgage OVER 90 DAYS to send us the documents. They advised us to continue making the same trial payment each month while we await the documents, which we did. We finally received the documents on XX/XX/XXXX. While all of this was going on, we discovered that Dovenmuehle Mortage has been reporting us as delinquent to the credit bureau every month since XX/XX/XXXX even though we have followed everything they have asked and WE WERE MAKING PAYMENTS ON TIME every month like they asked. I have contacted the loss mitigation department more times than I can count and tried to get this fixed. They have told me to email the research department ( apparently, they don't have phones in that department ). I have sent emails to the research department several times and sent them proof that we made payments, but they do nothing. They have also been assessing late fees on our account every month. Reporting us the credit bureau and charging us late fees should not be happening because we were in a loan modification program and were waiting on Dovenmuehle Mortgage to send us the documents we needed to sign.
|
| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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
|
| 10/23/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I recently refinanced my VA loan to take advantage of the lower interest rates. The loan refinance process was straightforward and completed in a timely manner. I was extremely pleased. Once the servicer took over is when everything went backwards. It started with our mailing address change ( from street to PO Box so letters would not be returned to the sender. I fax a changed request, and it wasn't completed. a month later, our school property tax bill came in, and we were granted the homestead allowance, reducing our school tax burden. I called and they recommended I submit a change of address form through email, and the new tax bill via another email to the tax/escrow dept.
A month later, the taxes were coming due and I call when I hadn't been communicated that the bill was paid. I also noticed my mailing addressed wasn't changed. Customer service said they submitted a ticket for both, and we would see the payment go through and my address would be adjusted. Two days later, my taxes were paid, but it was for more than double the amount of my bill. I called and they said it was for all my property tax bills ( township , county, and school ). My township and county taxes are not due until XX/XX/XXXX of every year, and even if you add ALL my taxes together it was still {$2000.00} less than the total that was paid for the school taxes. I emailed them all my XXXX tax bills, and spelled out when they are due for the Paid in Full discount ( XX/XX/XXXX for school, XX/XX/XXXX for township ). I was concerned my monthly bill would be increased. Today, I was informed that my escrow was increased to cover the incorrect tax bill, and a call to customer service again indicated that the tax/escrow office " does not take phone calls ''. I have no other recourse at this point and would like to let others know this is how this company operates. I regret financing away from my original mortgage company.
|
| 05/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 02/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party.
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can.
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay.
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds.
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly.
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.
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| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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In XX/XX/XXXX XXXX changed mortgage servicing companies from XXXX to Dovenmuehle Mortgage. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, Dovenmuehle Mortgage the payment processing company for my XXXX XXXX, has not reported this XXXX loan to the three major credit reporting agencies of XXXX, XXXX, and XXXX.
Information regarding my XXXX XXXX as it currently reports to the 3 major bureaus is Closed/Transferred Acct # XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is XXXX XXXX account XXXX, which is the account the old number was transferred TO.
I have been receiving statements from XXXX account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX, XXXX, or XXXX.
I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to XXXX beginning XX/XX/XXXX when I discovered the errors. XXXX instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there.
XXXX 's new mortgage loan processor, Devenmuehle Mortgage, is IN FACT NOT reporting to XXXX, XXXX, or XXXX the loan activity and balances on XXXX XXXX loan XXXX for myself.
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| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I used to be in forbearance with my mortgage company XXXX XXXXDovenmuehle since the pandemic started in XXXX XXXX. In XX/XX/XXXX, I chose to refinance with a different lender and requested my forbearance end and so I can begin process to refinance. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX repeatedly ignored requests for records from myself and from lender I was working with. The new lender needed to verify information I provided was correct, dates were correct of forbearance starting and ending, etc. XXXX XXXX at some point in XX/XX/XXXX provided false information to my lender who did their best to use for the refinance but the underwriter ended up rejecting it in XX/XX/XXXX and requested documentation again from XXXX XXXX, which they ignored and didn't provide. My understanding, a lender or mortgage company MUST legally provide documents requested by the customer. They repeatedly ignored or send false information. In XXXX. XXXX I had to give up my refinance process due to this and due to the rise in interest rates. Since XXXX XXXX I have been dealing with XXXX XXXX to get back on track with my account and have made consistent payments and they have provided several options, including deferral of outstanding balance to place it at end of the loan. In XXXX I made $ XXXX payment to help start this process and now I'm being told this is not an option. This is the most frustrating company I have dealt with that lies and lies on each phone call. Which takes me XXXX to be on hold. They are trying to wear me down and have even added late charges to my account. Each time I talk to a Rep, they don't know status of my request and put me on hold for long time for a Supervisor. Still nothing is resolved. Please look into these deceptive practices. I have witnesses of the lender I was trying to refinance that can provide statements if needed. At this point, what can someone do?
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| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, XXXX I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, DMI aka Dovenmuehle Mortgage , Inc. to request their participation in the program. In XXXX, XXXX I was notified by DMI that they would agree to participate. I was approved for assistance in XXXX, XXXX and a payment was made to DMI in XXXX, 2022. At the time I applied for assistance and notified DMI, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, DMI began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXXXXXX XXXX The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted DMI and are claiming that DMI is refusing to correct my credit report. Please contact DMI and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
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| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I refinance my home in XX/XX/XXXXwent to closing in XX/XX/XXXX. At the time of loan origination, an escrow account establishedsix months of taxes and insurance payment where collected. The loan closed in XX/XX/XXXX. The loan was sold to XXXX XXXX and Dovenmuehle mortgage to services the loan. The escrow account was never setup, once the loan transferred to the servicer Dovenmuehle mortgage. There are funds currently in my escrow account ; however, the escrow account was not setup and payments where not sent. For the last seven months, to no prevail, I have tried to get Dovenmuehle mortgage to setup the escrow account and pay the taxes and insurance. As of XX/XX/XXXX, the escrow account has not been setup or fees paid.
The last seven months ' journey, I have called each month since XX/XX/XXXX, The latest request made XX/XX/XXXX, for the escrow account to be setup and taxes paid were expedited to the insurance department. However, that did not happen. I have spoken with two different supervisors, XXXX and XXXX ; neither one has been any help. When asked to talk with someone higher than a Supervisor, XXXX transferred me to Ms. XXXX, only to find out she a supervisor herself. I asked to speak with someone in upper Management, Ms. XXXX refused. She advised I could not talk with anyone higher than a supervisor, and I have to wait for an email regarding my request. Since my seven month journey, I paid the insurance and taxes, to avoid my home owner insurance from being Canceled and any more non-payment penalties towards the taxes. Dovenmuehle mortgage doesn't have any way of filing a formal complaint, other than an email address. The amount of my tax bill in XX/XX/XXXX is XXXX ; as of today, including late penalties, the tax payment is XXXX to avoid any more late penalties, I paid the taxes myself today, XX/XX/XXXX. The home owner insurance payment made several months ago.
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX.
As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate.
Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate.
I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.
After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.
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| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I sold my house, and the loan ( with Dovenmuehle Mortgage XXXX Inc ) was fully paid off on XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle Mortgage sent my escrow refund check of {$2000.00} to the address of the property I had just sold, so I did not receive it in the mail. I called Dovenmuehle Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I spoke to the representative on XX/XX/XXXX, they told me the check would need to be reissued, and this process would take up to 30 days. On XX/XX/XXXX, I called to follow up, and they said nothing had been done, but they would start the process now of reissuing the check. On XX/XX/XXXX, I was told there had been a hold up with the check, but it would be rushed to be mailed out. On XX/XX/XXXX, I was told that no check had been sent but that one would be reissued. On XX/XX/XXXX, I was told that the check was in the process of being mailed out, but being that it takes 30 days, it would be another couple of weeks. I called on XX/XX/XXXX and was told again that it was still in the 30-day process and would be in my possession soon. On XX/XX/XXXX, I called to follow up, and I was told that none of this was true, and a check was actually reissued on XX/XX/XXXX. I never received anything in the mail, and each supervisor I spoke to before XX/XX/XXXX had said a new check was not reissued on XX/XX/XXXX. On XX/XX/XXXX, the supervisor said the check would be reissued again, but I have been told this several times at this point. There have been many discrepancies between what I've been told by each supervisor.
It has been months, and no progress has been made. I have called numerous times, spoken to numerous supervisors, and I still have not received my escrow refund check. Dovenmuehle Mortgage , Inc has well passed any deadline to reissue my escrow refund in a timely manner.
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| 03/19/2020 |
Yes |
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Web |
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Dear Sir, My name is XXXX XXXX XXXX and I am XXXX of XXXX XXXX XXXX XXXX XXXX XXXX,, a company which XXXX XXXX XXXX in the XXXX VA area.
Recently, due to an error in surveying, we have had to have a lot line adjustment on one of our sold units. This revision in the mortgage involved no change in the size of the lot or house since it involved only moving the perimeter by 2 feet.
XXXX XXXX/Dovenmuehle Mortgage Inc., the company holding the mortgage on the unit required us to pay {$1400.00} for the revision as well as {$470.00} for an appraisal even though the house in question was only a few months old. We dutifully paid these fees on XX/XX/2020 and as of this date we still have not received the revision documentation.
This delay in providing the revision is currently holding up the closing on a new, adjacent unit, causing the prospective owner signification delays. Last Monday ( XX/XX/XXXX ) we learned XXXX XXXX had signed off on the revision and consequently we anticipated getting the final documentation quickly thereafter. Unfortunately, after all this time, XXXX XXXXl/Dovenmuehle Mortgage, Inc., informed us the revision would take an additional two - three weeks.
We feel XXXX XXXXl/Dovenmuehle Mortgage, Inc. has not operated in good faith and unfairly delayed a simple mortgage revision. We would appreciate anything you can do to look into this issue with XXXX XXXX/Dovenmuehle Mortgage, Inc. so the prospective buyer of the adjacent unit can receive clear title. Delays of this length by lending institutions like XXXX XXXXl/Dovenmuehle Mortgage, Inc. cause enormous grief and inconvenience that should not be tolerated. Contact XXXX XXXX/Dovenmuehle Mortgage, Inc. is listed below : XXXX XXXX Special Loans Administrator XXXX XXXX Thank you for your kind assistance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX XXXX
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| 09/27/2021 |
Yes |
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- Trouble during payment process
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Web |
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I had a returned check payment. Due to this my mortgage company made me mail in a certified bank check for 6 months. On month 6 I sent my certified check in as i have the 5 months prior. On XX/XX/2021 I realized that my payment sent via check was not reflecting on my account. I immediately contacted my mortgage company to report this. The woman on the phone and her supervisor both stated to me over the phone that they could see my check processed. I was also informed that it takes " 1-3 business days to reflect in my account. '' I voiced my concerns about multiple reports in my credit file due to their mistakes such as late payment and unfair trade. I was assured that this would not happen.
On XX/XX/XXXX i went online and paid my XXXX payment via their website without issue.
The following days i noted that Dovemmuel, my mortgage company, attempted to take a 2nd payment for the month on XXXX causing insufficient fund fees x2 from my bank for a payment that was not authorized.
I again called Dovenmuel mortgage to discuss this. I was told i could not speak to anyone and had to fax my information including my bank statement via fax which i did even though i felt it was unsafe to send my personal info over fax.
Beginning of XXXX i received notification from my bank that the check i sent for my mortgage payment was returned to the institution because they could " not find an account associated '' with the payment.
I again called the mortgage company and they continue to be unhelpful and take zero responsibility for this.
My credit score has dropped 64 points due to their false reporting. I have occurred over {$500.00} in late fees, property inspection fees in which my property was never inspected, overdraft fees from my bank along with stress and anxiety. I did my due diligence and Dovenmule continues to be unresponsive and is destroying me as a consumer.
|
| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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REGARDING ORIGINAL COMPLAINT XXXX ( XX/XX/20 ). DISPUTE WAS CLOSED BUT NOT RESOLVED. FOLLOW-UP COMPLAINT XXXX ( XX/XX/20 ), NOW CLOSED BECAUSE DOVENMUEHLE ADMITTED WRONG-DOING IN WRITING - BUT STILL HAS NOT REFUNDED MY {$7900.00}.
When we received the letter from Dovenmuehle in XXXX ( attached ) FINALLY admitting to an error, clearly stating that our loan that they transferred to XXXX XXXX XX/XX/XXXX " inadvertently '' included the erroneous second lien of {$7900.00}. They were to advise XXXX XXXX that our payoff balance was to be REDUCED by {$7900.00}. But before we received the referenced letter above, and after 8 months of fighting and getting nowhere, we had the erroroneus lien rolled into our refinance loan just to get out of our high interest mortgage while the rates were low. We refinanced on XX/XX/XXXX, a day after Dovenmuelhe wrote the letter, but that we didn't not receive until a week later. It was too late to get matters settled - and now we'll be paying interest on the nearly {$8000.00} extra on our new mortgage.
BOTTOM LINE - Dovenmuehle received our monies last XXXX to completely satisfy our mortgage and bring us current ( I had called to get the exact amount needed ). The funds were applied incorrectly, then removed, then applied, then removed - and in the end, were never applied to our loan ( per an independent audit ). Instead an erroneous second lien in the amount of {$7900.00} was created.
RESOLUTION - Dovenmuehle MUST refund the {$7900.00} to us! That doesn't even include the 8 months of higher interest paid with them delaying our refinance because of their error! And the additional YEAR of interest had that money been put back into my IRA from where it came!
We've tried REPEATEDLY for more than a YEAR to settle this matter with Dovenmuehle, and still it remains- they STILL have my {$7900.00} that was never applied to my loan.
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| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I refinance my home mortgage loan with Dovenmuehle Mortgage , Inc . I paid all closing costs ( including a full amount of homeowners insurance policy premium ). The closing documents stated that my monthly mortgage payment was going to be {$2200.00} ( including Principal, Interest, and Escrow ).
I have been paying the monthly payments on time and in full every month. In XX/XX/XXXX, it was time for my homeowners insurance policy renewal, which Dovenmuehle Mortgage , Inc was in charge of paying since they already hold my full amount paid in advance at closing ( and they have been collecting monthly contribution to escrow to account for the XXXX HOI renewal ).
I received a letter in the mail from my insurance provider stating that they have not received the payment for renewal and that my policy would be lapsed if they don't receive the payment on by the courtesy extension date. After numerous calls to Dovenmuehle Mortgage, Inc ( worst ) customer service lines, they advise me to pay for the policy renewal out of pocket to avoid lapsing my insurance and that they would reimburse me. I paid it out of pocket, and after a few more months, and many more calls, and explanation of the situation to various customer service agents, and getting my mortgage broker involved, they send me a reimbursement check.
After that, they adjust my monthly mortgage total payment amount by {$100.00} to adjust for what they claim to be a shortage in my escrow account of a total = {$1200.00} for not having enough funds to cover for my insurance policy renewal. I email, call, ask for supervisors, and explain many times. I got my mortgage broker and his brokerage involved and had them email Dovenmuehle Mortgage, Inc and explain there's not supposed to be any shortage since I paid OUT OF POCKET, AND AT CLOSING, AND HAVE BEEN MAKING ON-TIME PAYMENTS! NOTHING!!
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| 11/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily.
IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE.
My printer is broken, so I have to send backup paperwork thru a email address as an attachment.
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| 04/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Received a threatening and confusing letter about forced placed hazard insurance.
Closed on my loanXX/XX/2020 with Owning. Loan was sold sometime after closing XX/XX/2020.
Subject property is an attached PUD with an Condo Master Insurance policy, no in-walls coverage. A one year HO-6 in wall insurance was purchased through my long term insurance agent with XXXX and paid at closing, one year.
Closing Disclosure has line item deduction for the HO-6 policy paid one year out.
Received letter dated XX/XX/XXXX in mail XX/XX/XXXX from Dovenmuuehle stating Hazard Insurance for my property expired and this is the " SECOND AND FINAL NOTICE '' before Dovenmuehle will charge me for Forced placed Hazard Insurance.
Issues 1 ) HO-6 policy paid one year in advance and Dovemuehle is not reviewing record or disegarding their own record or failing to contact the originator they purchased the loan from to obtain a missing record 2 ) Concerned the loan was sold on the secondary market and the purchaser threatens the borrower with inaccurate information to facilitate obtaining missing paperwork of the loan purchase ( the HO-6/Master Insurance Policy ) 3 ) Dovenmuehl would have this information in their records or access from the originator they purchased this loan from but is possibly sending form letters to extract monies from borrowers/homeowner by levying forced placed insurance, when in fact these borrowers have current policies in force.
4 ) Business practice of Dovenmuehle to shift the burden and costs of filing/obtaining required documents in the purchase of loans on the primary market and evade their due diligence of obtaining necessary documents from the originator, in this instance Insurance onto the borrower with misleading statements and threatening to cost the homeowner substantial sums of monies via " forced place insurance ''.
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| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I open a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, CO. The house I bought was appraised for {$580000.00} on XX/XX/22 and I purchased this home on XX/XX/22 for {$400000.00}. My parents owned the home before me and gave me {$170000.00} equity in the house. This resulted in 69 % equity. The mortgage was then sold to Dovenmuehle who uses a 3rd party company for their customer service, XXXX XXXX, and they will not let me talk to anyone at Dovenmuehle. I'm trying to get them to drop my MIP or mortgage insurance premium. I am well below 80 % of the loan value on my principal I owe and I came to the table with over 20 % equity. I have even hired an attorney and they haven't responded to the letter he sent. The mortgage company knows I won't refinance because the interest rates have gone up so much and now they can control my payment when I shouldn't have to pay mortgage insurance. The reason for mortgage insurance is to protect the mortgage company in case of default and there is no risk to them when I'm at the equity position I'm in. I have even paid Devnmuehle to do another appraisal and they haven't done anything. That money is sitting in escrow. I am desperate for someone to answer me and help me remove mortgage insurance. I pay my payments on time and I fell like I'm being taken advantage of since the mortgage amount and the appraisal are where they are. I have talked to them probably 10+ times and get no where but to email someone and I have received one response saying something like I would receive a letter. I never talk to the same person and I'm not even talking to Dovenmuehle. Is there a way to talk to someone at that company to help me? Anything you can do would be very much appreciated and I can supply all emails and the attorney letter. Thank you, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
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| 11/02/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..
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| 07/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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An escrow refund check was issued to me on XXXX and sent to an old address. I did not receive that check in a timely manner. Once I received the refund check, it was void because it had been more than 90 days since it was issued. I called Dovenmuehle mortgage on XX/XX/2021 to let them know that I needed the check reissued. They took down the information, including the correct mailing address and told me that a request for the check to be reissued was submitted and that it would take 30 days to receive. On XX/XX/2021 I called back letting them know I hadn't received the reissued check. They said the check was still in process and it could take 30-60 days total and to keep waiting. I called back on XX/XX/2021 to inquire about the check and was told that it still hadn't been reissued and that the manager would escalate the issue, email the escrow department directly and get back to me within 5 days. This did not happen. I called again on XX/XX/2021 and continue to receive conflicting or incomplete information regarding the funds owed to me. The latest I'm being told by them is that the funds have been sent to the state as unclaimed property. I've contacted the state controllers office and confirmed with them that is not the case and they do no have any unclaimed funds in my name. Dovenmuehle mortgage company is unable to provide me proof of delivery to the state as required by law and continues to give me the runaround. I've invested a lot of time and energy in an attempt to be paid the money owed to me and they are now either unwilling or unable to provide that service of locating and returning that money to me and keep referring me to the state. The state again has confirmed that the legal process would be for the company to hold the property for 3 years in an attempt to contact me for delivery before sending it to the state.
|
| 11/03/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX Dovenmuehle Mortgage Inc Issues.
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them.
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way.
I received an escrow account projection which showed a shortage of {$1400.00} and change.
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX.
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations.
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX.
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department.
I am writing to let you know I can only afford up to {$1500.00} and no more.
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative.
Thanks for your consideration.
XXXX XXXX
|
| 03/02/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've been on hold with XXXX Bank for over an hour now. I've contacted the company to attempt to confirm if my Partial Claim documents have been received and processed. I was transferred twice before speaking to XXXX in Loss Mitigation. After 20 minutes of being on hold and answering questions as presented in my first complaint submitted today, XXXX advised me that the address I read to her was the correct address to return the paperwork. XXXX further explained that she could not provide me with a number to call the XXXX office to confirm if my Partial Claim documents had been received.
Further, she explained that she did not know how the process works in XXXX because she works at the XXXX office and everyone there is working from home. I asked XXXX if she could verify the information with someone else. I was then placed on hold for another XXXX minutes. XXXX returned to the call stating that her team lead, XXXX advised her that the XXXX, TX office did not have a phone number for her or me to call to verify the documents had been received. XXXX stated she would call me back with an update but didn't know how even to begin and that I should XXXX to look for the telephone number for the XXXX office? XXXX advised me that no updates show the documents were received and that she could not do anything and did not know where to find the information because her team had never contacted the XXXX, Texas office. I explained to XXXX that I just needed to confirm the documents were received. XXXX asked for my consent to call me back within seven days and that she would research my situation and get back to me within XXXX days. My consent was given - but in all the times XXXX has committed to call me back - I have yet to receive one call back. I will submit another complaint if not callback is received by the 8th business day.
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount.
Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested.
They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure.
It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount.
The following is my communication with the mortgage company.
1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ).
2. Mailed ( XX/XX/XXXX ).
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ).
4. Faxed to XXXX ( XXXX ).
5. Emailed to XXXX ( XX/XX/XXXX ).
I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email.
See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it.
According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance.
regards
|
| 12/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my mortgage in XXXX to Dovenmuehle Mortgage and still have not received my escrow refund.
XX/XX/XXXX - I paid off my mortgage and the payment cleared.
XX/XX/XXXX - I called Dovenmuehle to check in and was told that my escrow refund would be issued soon. They said to call back in a week.
XX/XX/XXXX - online records show a check was issued.
XX/XX/XXXX - I called because I still hadn't received my check, and was told to call back if I didn't receive the check by XX/XX/XXXX.
XX/XX/XXXX - I called because I still hadn't received my check. They told me that the check was mailed, but to the wrong address. For some reason when they mailed the check they did not include the unit number, even though it's on our loan documents. I spoke with XXXX, and she said that I would need to submit a change of address form and then she could mail me a new check. I asked to have the money sent via ACH or a check overnighted, and she said I'd have to wait until XX/XX/XXXX for that to happen. I requested to speak to a supervisor, and she said they would call me back later that day. They never called me.
XX/XX/XXXX - I called to request an ACH for my escrow funds, and was told that a supervisor was unavailable. The customer service rep said she was going to send my bank information to a supervisor so that they could process an ACH.
XX/XX/XXXX - I called again and talked to XXXX. She told me that I'd need to submit a voided check to get an ACH. She said that the CSR I spoke to was wrong, and that they don't have any of my bank account information saved. I asked if I could speak to someone who could process the ACH immediately, and she said that I could not. She said a supervisor would call me back within 24 hours.
XX/XX/XXXX - I emailed all of the information above to XXXX to try to get my escrow refund.
|
| 02/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle continues to harass me every week with requests to show homeowners insurance from XX/XX/XXXX-XX/XX/XXXX. I have been showing this information to them repeatedly since XXXX. I bought this home in XXXX, unfortunately it was sold to Dovenmuehle which is the most incompetent servicing company I have ever dealt with in 22 years of owning homes. When I purchased this home the underwriter failed to inform me of needing Hazard Ins. It went to closing and was approved with the homeowners coverage that is standard. Dovenmuehle bought it late XXXX and failed to inform me of there requirements until late XXXX so No I did not have Windstorm until XXXX because of not being informed properly of these requirements. I did follow there requirements and bought windstorm on XX/XX/XXXX that Dovenmuehle shows started XX/XX/XXXX. They harassed me about the back dated insurance charges for weeks. Finally they fined me XXXX and change for the months that I didnt have windstorm. Thought that would be the end of it. Nope still getting harassed with new letters asking for proof of coverage.. These incompetent servicers then screwed up my escrow analysis stating I have two insurance policies that are both XXXX and increased my monthly mtg payments to XXXX more a mth. Spoke w/supervisor and hopefully its cleared up. But doubt it with there history! Then they claimed I had lapsed on homeowners once for a few days. Charged me XXXX and change for that. Showed them the ins. Declaration page and they said it would be corrected. Still not! One thing after the next and they are just ready to slam the fines on you for there incompetence. It seems like they are in business to harass, bully, and try to get your home foreclosed. This should be illegal! If any attorneys want to take on this company I would love to join a lawsuit!
|
| 09/11/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I had to file bankruptcy in XX/XX/XXXX I reaffirmed with my mortgage company the servicer is Dovenmuehle. Ive been requesting a modification and rate since XX/XX/XXXX. Ive supplied them with all the paperwork my W-2s my pay stubs letters everything they ask for in XXXX with no response and again in XXXX with no response. Ive paid my payment since I bought the house in XXXX on time every month. They initially called me on the phone and asked if I want to do a forebearance I told him no I wanted to modify my rate they still put my mortgage in forbearance I continued making my payment and have paid it again since XXXX on time every month. They sent me paperwork today for another forbearance which I never requested and told me they were putting my mortgage in forbearance. Ive tried to reach out to them by phone and you wait on the phone for 25 minutes to an hour no one ever answers the phone. They just keep sending me modification packets to complete but never have responded from XX/XX/XXXX or XX/XX/XXXX. I did talk to them on the phone in XX/XX/XXXX and they told me they had all the documentation they needed for my modification request I never heard from them I called again and theyre trying to claim they didnt have the correct documentation. Their website showed four months they had all the necessary Documents. Isnt there some type of law if theyre going to decline my modification that they have to respond to me within so many days and let me know theyre declining my request. The rates are at an all time low and they just seem to be playing stall games about my modification request. My taxes and insurance have went up my payments increased by about {$200.00} since I bought my home and since XXXX Ive been in the hospital twice which Ive expressed to them how important the rate modification is to me.
|
| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( now XXXX XXXX ). They sold my mortgage to Dovenmuehle Mortgage Inc. in XX/XX/XXXX. My first payment to the new mortgage company was made in XX/XX/XXXX, and that payment, as well as all subsequent payments, included {$370.00} for an escrow account to pay property taxes and hazard insurance. My most recent escrow analysis, dated XX/XX/XXXX, includes a line item for property taxes in the amount of {$1600.00} to have been paid in XX/XX/XXXX. That never happened, and I was not aware until I had my income taxes prepared in XX/XX/XXXX. Upon learning of Dovenmuehle 's negligence, I began contacting the company 's customer service department. As a customer service rep could not assist me, I was transferred to a supervisor who stated that the company initiated a work order in XX/XX/XXXX to investigate why my taxes were not paid. The work order expired without any action being taken. It was not until I began contacting the company in XX/XX/XXXX that a new work order was requested. Again that work order expired. We are now on the third work order, and still there is no resolution. In the interim, the treasurer for my county has threatened to sale my home on XX/XX/XXXX if the taxes and penalty and are not paid in full. I have requested that Dovenmuehle cancel my escrow account and refund me all of the money in the account so that I can take responsibility for paying my taxes and insurance. Time is ticking, and I still can not get a straight answer from the company. The mortgage company has assigned a specialist to assist me in this matter, but I can not establish contact with the individual. The specialist sent me an email from a generic account, and when I call the phone number provided, it goes to voicemail. Now the voicemail box is full.
|
| 03/15/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated.
I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames.
Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated.
I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer.
I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation.
I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.
|
| 02/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I sold my home in XX/XX/XXXX XXXX and paid off my mortgage with Dovenmuehle Mortgage Inc also known as XXXX XXXX in whole. At closing I had to pay the taxes and other fees creating a balance owed to me in my escrow account for {$3600.00}. I contacted Dovenmuehle as directed by the title company and filed a change of address form to inform Dovenmuehle of my new mailing address. The Dovenmuehle representative told me they were mailing a check for the balance owed to me. This was around XX/XX/XXXX. Weeks went by and the check did not arrive. I called Dovenmuehle back to check on the status and the representative told me they couldn't do anything until after XX/XX/XXXX. I called back on XX/XX/XXXX and they apologized and said they were canceling the first check and mailing another. Still no check was received. I called back on XX/XX/XXXX and asked to speak to a supervisor. I was told a supervisor was not available and they would issue yet another check and would have a manager call me back. They also said if I didn't receive the check in a couple of weeks to call them back again. The check still didn't come and no supervisor ever called me. I called back on XX/XX/XXXX and demanded a supervisor. A manager named XXXX got on the phone and said there were no notes made of a complaint prior to the XX/XX/XXXX call and no other checks had been sent prior to the XX/XX/XXXX call. She had a attitude and said she would have to file an inquiry with a separate department and someone would be calling me within 72 business hours. 72 business hours was reached yesterday XX/XX/XXXX. No one has called me and still no check has come. We need this money to go towards our new home. We are tired of being lied to and just want our money. They are literally holding our funds and not returning them to us. Please help.
|
| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sold my house on XX/XX/2020 and the mortgage was paid in full, and the servicer Dovenmuehle Mortgage Inc, had {$1100.00} in escrow at the time. I looked on the website and it would be approximately 30 days after payoff to inquire about escrow refunds, which I did wait the 30 days but nothing was received. I verified they had my new mailing address at that time.
I called back approximately XX/XX/2020 and inquired about the escrow account refund and was told it had not been processed and the representative said they were initiating the escrow refund process.
Still no refund of my funds received and I called again sometime in the middle of XXXX, unfortunately I'm not able to locate or recall exact date. I spoke to a representative that ensured me the check would be processed for my refund.
I have monitored the website transaction history on my closed account, and on XX/XX/XXXX I saw there was an " Advance Reversal '' for {$1100.00}.
I have not received anything in the mail and called again on XX/XX/2020. I asked the representative to look into the matter, he told me that he couldn't see anything different than I see on the website. But if I wanted to get information I would have to email another department for the matter. I explained that I had called several times and would like to escalate the matter to a supervisor.
Before he transferred me to his manager and he said if I did that it would be another 15 minute wait, but if it went to voice mail I would receive a return call in 24 hours, which I agreed to. When he transferred me to his supervisor it went straight to voicemail. So I left a message and repeated my phone number twice. I waited the 24 hours but no return call.
I feel that I am owed the funds and interest accrued during the time after the payoff and return of my funds.
|
| 01/07/2021 |
No |
|
|
|
Web |
Servicemember |
|
We are requesting your assistance in obtaining our refund from Dovenmuehle Mortgage Inc. ( MI ) of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX.
Complaint : Dovenmuehle MI failed to comply with our request for refund of excess funds due back to us after closure of our mortgage loan with them.
Background : In XX/XX/XXXX, we refinanced our VA guaranteed mortgage loan with Dovenmuehle MI ( loan # _____ ) to another mortgage company.
On XXXX XX/XX/XXXX, we received a letter ( ID ____ ) from Dovenmuehle MI dated XXXX XX/XX/XXXX ( as attached ) stating that a refund check number ____ in the amount of $ XXXX dated XXXX XX/XX/XXXX is unclaimed. To claim this property per direction in the letter, we signed the bottom part of the letter, scanned, and immediately emailed to stated emailed address on XXXX XX/XX/XXXX.
We emailed Dovenmuehle MI but without any response and called at least six ( 6 ) different times since we received their letter, but gave us run around to include someone to call us back, and lately, that they will cut a check which we should receive within 10 business days. Well that was over a month ago but did not receive any check or communication from Dovenmuehle MI. Dovenmuehle MI themselves have violated their own written promise in their letter, A new check will be issued and mailed within 10 business days of receipt of this properly signed document.
Unpaid refunds after several years past the closure of any mortgage loan account is way overdue, unacceptable, and it should not be tolerated. We seriously question this practice of Dovenmuehle MI to remain in this Veterans Administration controlled mortgage program catered for veterans including myself. I hoped that fellow veterans and others will not experience the same heartbreaking issue with Dovenmuehle MI.
|
| 07/17/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
1. A refund check in the amount of XXXX was sent from the city of XXXX, VA for my benefit to Dovenmuehle Mortgage Company to be disbursed to me approximately XX/XX/2020.
2. As of XX/XX/2020 there is no check. Ive made over 75 phone calls regarding the status of my check. I spoke with numerous customer service representatives ; Ive discussed the matter further inherently speaking with at least three of the same supervisors twice. There were so many stories as to why I have not received my check : I was told it was sent out XX/XX/2020. The customer service rep said it will take 30 days before they could cut another check. Around XX/XX/2020 I called to check the status, customer service rep said they had to research it ( Not sure what they were doing for 30 days? ) I called several more times, they came up with these stories : It was sent out. Its processing. I dont know. I will call you back. I will expedite it. No one in that department has responded. We were out because of COVID-19. They are looking into it This mortgage company only recently began to use COVID_19 as an excuse..
3. This money was desperately needed to assist me with clearing up my debt for my security clearance and to obtain a hiring position. I told XXXX XXXX XXXX XXXX I would have my outstanding debts paid down. Due to this companys lackadaisical attitude, incompetence, reckless and total disregard for me as XXXX veteran and that I care for a wheel-chair bound sibling ; I loss a position that I was being looked at for promotion ; Im now being looked at for demotion due to my financial responsibilities that were not completed due to my funds being withheld. Had this mortgage company return my refund check in a timely matter, I would have a promotion instead of being on the brink of being unemployed.
|
| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my home loan in XXXX. Dovenmuehle Mortgage Inc. at that time was assigned to service the loan by my bank, including escrow account dispersion.
I am XXXX XXXX and rely on property tax payments as an income tax deduction every year.
I've discovered recently that Dovenmuehle Mortgage failed to make full payment of my property tax for XX/XX/XXXX. They instead made two installments. One half was made XX/XX/XXXX and the other XX/XX/XXXX. Furthermore, for XXXX, they completely failed to pay property tax by the deadline set by XXXXhe county where I reside. I had to contact Dovenmuehle to make the property tax payment from my escrow account for XXXX which included late fees and penalties. The funds were in my account. I make payments to my escrow account each month and it has always been in good standing.
So for two years since the onset of my new mortgage account, Dovenmuehle has mishandled the escrow funds. For the most recent of XXXX property tax, I contacted Dovenmuehle and was told that they paid the bill according to the county tax bill two pay option and refused to pay it any differently. I asked for escalation to discuss with a supervisor who told me the same. After repeatedly stating that their payment method was unacceptable to me, the supervisor finally offered to allow me to handle my own escrow account for property taxes. This was never before offered as an option and took a lot of time and effort on my part to get that option offered to me. Of course I accepted that option and am now awaiting paperwork to transfer the escrow account from Dovenmuehle to me.
I discussed this situation with my accountant who was appalled that a mortgage service agent would conduct business in this manner. He referred to their method as " holding my money hostage ''.
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I received a letter informing me I have been approved for an Payment Deferral effective XX/XX/XXXX. This Deferral would do the following : 1 ) Adjust the due date for my next payment and bring my mortgage current.
2 ) Defer repayment to the end of my loan/sale/refi 3 ) Waive any late charges It is now XX/XX/XXXX and my loan is still showing as delinquent and every payment I make is held in suspense and not applied to my principle, interest, or escrow account. I have spoken to 14 different people at XXXX XXXX Loss Mitigation department and none of them are able to tell me when this process will be finished even though the letter says it should go into effect XX/XX/XXXX. I have requested to speak with supervisors on at least XXXX different occasions and am consistently told they will call me back within XXXX hours. After 7 requests I have yet to speak with a XXXX
Customer service reps have been misleading about the entire process stating that the process couldn't be started until they received verbal confirmation from me, even though there is no instruction to do so anywhere on the documents I have received. Further, the documents I have state that the deferral has been approved and effective XX/XX/XXXX. When calling, customer service Reps have gone as far as to ignore my request for XXXX give me fake phone # extensions, or tell me they will call me back personally at a certain time and date with no follow-through.
Every time I ask for a timeline the number of days changes depending on the person I ask, and is the same range no matter how long I have been waiting. 30-60, 30-90, 60-90, 90-120 days. At this point it has been over 135 days since this process was supposed to be IN EFFECT and I am still in the dark about when this process will conclude.
|
| 10/18/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and XXXX XXXX XXXX XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with XXXX XXXX of XXXX settled for XXXX with XXXX down and 60 payments of XXXX.
We have made every payment on time and continue to do so as recorded on every statement of ours through XXXX XXXX and showing in all XXXX XXXX records.
XXXX XXXX has transferred servicing of loans to a company named Dovenmuehle Mortgage Inc. ( DMI ) representing XXXX XXXX.
Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from XXXX/DMI, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by XXXX XXXX ), for the full amount.
There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any XXXX XXXX phone line, extension or email.
Our payments of XXXX are being made directly now through cash payments at the XXXX XXXX XXXX in XXXX WI and are showing as accepted by XXXX/DMI.
With every phone call the XXXX/DMI representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA.
We are requesting by XXXX/DMI, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
|
| 07/17/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.
|
| 11/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.
|
| 08/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. XXXX XXXX Dovenmuehle Mortgage lost my payment and didnt process it.
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due.
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it.
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed.
This is something that was not communicated to me when I set up the auto payments.
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me.
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the XXXX XXXX website and it kept on transferring me from one portal to another, and wouldnt let me in.
I also filed a small claims court against XXXX XXXX Dovenmuehle Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.
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| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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In XXXX, I prepaid my XXXX taxes and reached out to Dovenmuehle Mortgage, Inc. ( for XXXX XXXX XXXX ) in XXXX XXXX, IL to make an adjustment to the escrow taxes for the XXXX calendar year. The first call was on XX/XX/XXXX and I was advised to provide receipt of payment for the taxes that were prepaid. This was completed and I called back on XX/XX/XXXX because there had been no contact from the mortgage servicer. I was advised there was a problem with process and that a repayment of current escrowed funds would occur. I called back on XX/XX/XXXX because there were no actions taken. During this call the individual advised they were unable to verify payment with the county despite having the receipt. Dovenmuehle was reaching out to the wrong county and I corrected this for the second time. I called back on XX/XX/XXXX and the representative advised that payment would be made in XX/XX/XXXX. After receiving half payment for the prepaid taxes in early XXXX, I called and was advised the second have of the payment would be provided the following month when the escrow account exceeded the outstanding amount owed. No payment in XXXX. I called back on XX/XX/XXXX and was advised that no payment would be made until rebalancing in XX/XX/XXXX. I advised this was unacceptable as Dovenmuehle had confirmation of tax payment to the county and sufficient funds in escrow to pay the second half installment. The supervisor XXXX agreed and advised the payment would be made by XX/XX/XXXX. No payment has been made and the escrow account funds in my account still exceed the amount owed and promised. Dovenmuehle 's representatives and supervisors have consistently provided inaccurate information for over six months and failed to meet promised payments.
|
| 09/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
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Web |
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State has submitted wire funds transfer to the bank on XXXX and approved on XX/XX/XXXX with bank transaction XXXX and then for XXXX payment on XX/XX/XXXX and received on XX/XX/XXXX with bank transaction XXXX and process to applying payment to my XXXX XXXX XXXX account has been extremely slow, in which, it has made my account delinquent, and the mortgage company has reported the late payment to the credit bureau as a past due payment, which is not my fault and has now affected my credit. I have not seen any resolution from XXXX XXXX and I keep being informed that it will be escalated because they do not have any information on these payments, but when I checked with the state, I was informed that it was submitted to Dovenmuehle mortgage in Texas. Both payments for XXXX and XXXX are still not applied to my account and not being deposited to my account on time. I have been stressed and frustrated with not funds being posted in my account when these issues have never occurred in the past. I am concerned that when XXXX payment is sent that I will have the same issue. I have been getting runarounds from XXXX XXXX when I speak to the Loss mitigation department that they do not know where the payment is and stating that it was received, but they are not applying the funds to my account. My account online has been blocked from making any additional payments because I depend on the amount that state has been depositing of {$1600.00} to be applied so I can pay the additional amount and be current with my mortgage. I have never been late on my mortgage payment, and this is affecting me mentally. I have not received any callback as I requested each representative to do with an update and response of what is happening with these funds.
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| 12/07/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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On or about XX/XX/2020 I received a letter from Dovenmuehle Mortgage , Inc. informing me that Dovenmuehle Mortgage company would no longer be servicing my mortgage as of XX/XX/2020 and that another servicing company would be taking over the servicing of my mortgage. All payments prior to that date would be honored, but any payments sent after that date should be sent to new servicing company. I made my XXXX payment to Dovenmuehle. On or about XX/XX/2020 I received a letter of introduction from XXXX XXXX, a DBA for XXXX XXXX XXXX XXXX as the new servicer ; directing me to their website with a new loan number for my net payment due XX/XX/2020. Just prior to that date, I attempted to establish a online account to make my monthly mortgage payments. I was unable to do that to reasons beyond my understanding. I contacted XXXX XXXX 's customer support and they said that the account was not yet established for online access and directed me to mail a payment to XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX ; which I did through my bank 's online bill pay system on XX/XX/2020. Payment of {$1700.00} cleared my bank XX/XX/2020. On XX/XX/2020 I received a letter from Dovenmuehle retracting the service transfer and instructing me to make a payment to them for my XXXX payment. I subsequently called today, XX/XX/2020 and they suggest I contact XXXX XXXX to try and get my money back. XXXX XXXX 's customer service states that we have no record of your account, nor payment. I believe this is a direct violation of both parties fiduciary responsibilities and they should both be fined for such incompetence! Not to mention, bend over backwards to find and return my funds and ensure that my credit score does not suffer as a result of their errors!
|
| 09/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
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?
|
| 08/30/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
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.
|
| 01/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal, interest, and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX, through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$710.00} that was accepted by Dovenmuehle but never posted to my account. So for three months I made payments that were more than my required periodic payment amount but Dovenmuehle intentionally did not post them to my account in accordance with CFPB policy.
Also, in the XXXX 2014 rules posted by the CFPB, it states : " You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account, they would find that I am not, nor have I ever been 120 days delinquent. As a matter of fact, at the time I made my XXXX XXXX payment of {$710.00} that placed me roughly {$200.00} behind in payments plus some late fees. Not even a full periodic payment as stated in my contract.
I have continued to reach out to XXXX and their representatives, advising them of their violations of CFPB rules but they insist on moving forward with foreclosure without properly posting my payments to my account and despite me not being 120 days delinquent.
|
| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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|
Web |
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We bought our home on XX/XX/XXXX. We had intentions of repainting the home as well as some other needed updates before we could move in. On XX/XX/XXXX XXXX XXXX caused severe damages to our home preventing us from moving in on the date we had intended to which was XX/XX/XXXX. The dates leading up to this, we were renting a condo for the past XXXX plus months. We paid our rent for the XXXX of XXXX so we could move out and also help the landlord find a replacement. That being said, after XXXX we didnt expect to have to keep paying rent as we were to be moved into our new home. We had an agreement with the condo that we continue to live in and rent from on a month to month basis till our new home has been deemed-livable. So our situation was having mortgage with XXXX fees plus paying to rent till our home is completed. With this situation we are also stuck with multiple bills to pay as well. we are finding it nearly impossible to pay for all this. That being said we filed for loss mitigation and paid our rent so my children had a roof over their heads and able to still go to their school. We moved into our home finally mid XXXX of XXXX where once we moved in we have paid our mortgage for the last XXXX months, while this is being resolved. Since XXXX it has been difficult to get the process resolved and our biggest concern is how much this has effected our credit scores. My wife and I have had a decrease in credit of over 300 points. Mostly from dovenmule saying we are missing the payments. On top of that we have had person come to our home and take pictures of place and questioned me as well. We have been through so much with the hurricane now being harassed and made to fell like we have done something wrong.
|
| 10/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
|
| 12/28/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XXXX I had loss of income do to XXXX, i than had a XXXX XXXX that I could no longer afford, and I couldnt stay current on my current mortgage payments. my mortgage gave me a XXXX XXXX forbearance, however never disclosed all money would be due at time forbearance ended. I assumed it would go to the end of my loan. I have been attempting to get a loan modification since before XXXX of XXXX. Countless times Ive have been told told documents havent been received via fax or email uploaded pdf file. Even after speaking with numerous agents to locate things that were already sent the processor keeps asking for the same documents, or because so much time has passed now I have to resign and date documents. I call to check status and still notes of processor still asking for duplicate information. I have filed another XXXX XXXXXXXX trying to save my home the mortgage company has objected stating that it doesnt take a long period to complete a loss mitigation application with their company. However, I have documentation showing that Ive submitting these documents and yet my file is still incomplete. It seems as this department is in the business of helping owners lose the property instead of stay in them. How come the loss mitigation department is the same name as my lender, so I assume this isnt a third party company handling my application. However the lawyers for Dovenmuehle Mortgage seem not to know where I am in this process and cant see why my application has been completed to see what options are available to me. I am doing everything in my power to get them what they, need and yet I have no one to check with to make sure they are doing what is needed to be done so my family and I can stay in our home.
|
| 10/28/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to the pandemic earlier this year, I opted to apply for a forbearance and my mortgage company Dovenmuehle mortgage allowed me to skip 3 payments between XXXX and XXXX. On XX/XX/2020 I applied for a deferment so that the balance due can be applied to the end of the loan term ; initially I was told this would take between 45 to 60 days. Since at least mid XX/XX/2020 I have been calling to find out the status of the loan and I'm always told " you should have a response within a week or so ''. I have been calling consistently ( more than 10 times in the last 3 months ). I have even requested for managers to give me a call and they have failed to do so. Now, it's been nearly 4 months and I have yet to hear from them. I have not been provided an update neither by mail or phone. I have been trying to refinance my mortgage since rates have gone significantly down with another lender and I am not able to do this because of this company 's gross negligence. While I am in this process another lender will not finance me. This company is causing me to continue to pay more interest in my current mortgage because of their refusal to do their job and work on my deferment. It shouldn't take nearly 4 months for a mortgage company to handle such a request. It is NOT my problem that they're running behind ; they've had more than enough time to hire other individuals or pay overtime to assist with the extra workload. I want to file a personal Complaint and I may need to file a lawsuit given that this is abuse of power. They're holding my mortgage and me XXXX to this company! I'm sure I am not the only individual that has been wronged by this company and this should be looked into as a class action lawsuit!
|
| 05/27/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Dovenmuehle Mortgage is essentially stealing my home away from me and the {$12000.00} the insurance company paid them to fix my home. My home suffered significant damage when two hail storms destroyed a large portion of my roof in XXXX. The insurance company paid Dovenmuehle, but they never paid my contractor. I had to pay the contractor out of my own pocket, but did not have the enough money to pay him to finish the work. I was forced to stop making my mortgage payments in XXXX of last year and use the payments to pay the contractor for the damage, while I fought with Dovenmuehle to release the funds the insurance company paid them. Dovenmuehle advised that they will hold onto the money until the damage is repaired, but this is unfair. The contractor is refusing to continue working without pay and my home is sustaining significant water damage and mold issues. Since the time that I fell behind on my mortgage, Dovenmuehle has failed to provide me with any sort of retention option on my home. They have wrongly set a foreclosure sale date on my home for XX/XX/XXXX and they have failed to give me the opportunity to save my home. They have not allowed me to work through any sort of home retention options and are refusing to give me insurance money that I am rightfully entitled to receiving. I have filled out FIVE COMPLETE mortgage assistance packages and have never had a full review for mortgage retention options. I am requesting that someone within your agency reach out to Dovenmuehle Mortgage and get the sale of my home stopped and my mortgage payments back on track. I am a veteran and want to spend the rest of my life in my home, but will be kicked into the streets if I do not get help.
|
| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
This mortgage was paid off on XXXX because we sold the property. The remaining escrow balance in the amount of {$1400.00} was supposed to be refunded to me. Dovenmuehle told me that it would take 15 days to cut a refund check and it would be mailed to the property address on file, XXXX XXXX XXXX, XXXX NH XXXX. I told them this was unacceptable because we obviously did not live there anymore and their process for changing addresses is a massive hassle. They told me it didn't matter and that the check would be mailed to the old address and if " you have mail forwarding then, it should be rerouted to your new address ''.
Several weeks went by and I never got the check, as anticipated. I called and spoke with a supervisor who demanded I go through the process of changing my address by filling out a form and sending it back to them signed by both my wife and I ( despite the fact these people service my current mortgage ).
I called them on XXXX to have a check reissued and have the request expedited. I had to go through hoops to try and speak with a supervisor about it, who continuously told me it would take fifteen days to cut a new check. I told them this was unacceptable as I was waiting on this money to pay bills. I also asked them why they couldn't electronically transfer the money and they told me that's something that can't be done.
It's now XXXX. I tried to contact customer service again through the online chat and I was told that my check wasn't re-issued and that they would need " more time to research the matter as it came from a different department ''.
I am thoroughly disgusted that Dovenmuehle is giving me this much trouble in refunding me my money. I need this now.
|
| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 I made a mortgage payment of {$750.00} to Dovenmuehle Mortgage, Loan number XXXX By mistake I type XXXX when I opened my XXXX XXXX checking Account and added this loan number to my bill pay. About 3 weeks later a got a notice from Dovenmuehle that my mortgage payment was over due. I pulled up my XXXX XXXX XXXX account # XXXX and it show it was paid on XX/XX/2020 and it was deducted from my Checking account. Since then I have talked to XXXX XXXX and Dovenmuehle More than 20 times and we even have done 3 way conference call. 5 months later neither bank knows where my {$750.00} went to and they both blame each other and neither we do any thing about getting my money back to me. I had to pay another payment to stay up to date on my payments. I have excellent credit and it almost got put in default because of this. I made a one digit mistake on the loan number and for that I am out {$750.00}. I no that they have to have safeguards that protect this type of thing from happening. I have spent nearly 40 hours of my time on this over a 5 month period and have gotten nowhere. I can not believe that two major banks could let this happen and do nothing about it.I am sick to my stomach over this and I am ready to do every thing I can to under the law to get my money back I make $ XXXX a year and I can not afford this. How does {$750.00} just disappear like its floating around in the air. or some one seen the mistake and stole my money. I have proof of payment and deduction and any thing else you may need. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SC, XXXX XXXX Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan Acct. # XXXX XXXX XXXX XXXX Checking Acct # XXXX
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Starting in XXXX I began receiving notices that my property taxes were unpaid ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Tx XXXX ). At first I disregarded thinking the mortgage company had paid the taxes but eventually I got worried and call the County Office. They said the taxes were unpaid. I contacted Dovenmuehle Mortgage regarding this issue ( XX/XX/20 ) and sent them the last tax bill I had received. They did nothing. I have since sent them 5 messages through their website, three emails and called them three times. Each time they said the problem is solved but then I get another bill. Now I got a delinquent Tax Warning from Lawyers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I just called Dovenmuelhe AGAIN and I talked to a supervisor ( XXXX, who refused to give me her last name but says her employee number is XXXX ) but she refused to send me anything in writing ( not even an email ) acknowledging that they are taking care of the problem. She also refused to give me an extension number or any other phone number of who to call. She says I have to continue calling the call center ( I have spent at least 10 hours on the phone with them this month ). All she said I can do is wait, which is the same thing I was told last week, and the week before and each time I called. I have emailed the company 3 times and also sent them messages through their website ( 5 times ) but I have not received ANY kind of reply. She has no explanation on why ANY of me " secured '' messages were unanswered. In the meantime my credit history is getting ruined and I have a lot of stress from them not paying my taxes. The money is on my account on escrow, so this is NOT a matter of not having the money.
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have made multiple attempts since XX/XX/XXXX to cancel XXXX on my mortgage with this company to no avail. They asked me to order an appraisal on my home, which I did, but the XXXX sent by Dovenmuehle Mortgage severely lowballed my home to make it difficult to cancel the {$220.00} XXXX fees I pay extra each month on top of my principal, interest and taxes. I am struggling and barely making ends meet just to pay my mortgage because of this extra fee. I fear my home may go into foreclosure. This company is making it extra difficult to cancel XXXX. They keep moving the goalpost each time I satisfy one of their requirements. My home is worth more than what their XXXX suggested. I have had my home appraised by other financial institutions for a higher value ( significantly higher ). The exact same homes, a couple of doors away from my home have recently sold for way higher than their XXXX suggested. Please help me, I can't fight this company. I fear losing my home. This company mistreats its customer just for their benefit. I have provided everything proof of home value they asked for, and I have met and exceeded every requirement to cancel XXXX, but yet they still will not give my application fair consideration. This company has a track record of doing this to its customers. They have horrible reviews and similar bad complaints online. Please help me, I don't want to lose my home.
Below I have attached the appraisal that Dovenmuehle Mortgage did on XX/XX/XXXX, alongside copies of very close and similar comparables which they failed to consider in their appraisal. I have also attached a copy of a recent appraisal of my home by another financial institution.
Thank you
|
| 01/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced by loan earlier this year and the loan was subsequently sold to Dovenmuehle Mortgage in XX/XX/XXXX. This loan is approximately for 33 % of the value of the home. I have owned this home over 13 years and had never escrowed any insurance or taxes. With the refinance i was informed i would need to escrow Flood Insurance due to this be a coastal home. They escrow {$75.00} per month to pay my flood insurance which will be due in XX/XX/XXXX for approximately {$900.00} ( please note i had already paid the XXXX XXXX payment myself ). I would like to point out i had made approximately 7 phone calls between XXXX and XXXX verifying that i had a valid policy on the house and the escrow was only for my flood insurance, In XX/XX/XXXX, I paid myself the {$6800.00} property taxes for my home. Several weeks later i received notice that Dovenmuehle paid my property taxes post my action of payment. I spent over 2 hours on the phone in XX/XX/XXXX with a Supervisor attempting to get clarification. Yes they confirmed the escrow was only for the flood and this payment should not have been made. A refund would be requested. I received notice on by credit report that an additional loan of {$6800.00} was placed against me by Dovenmuehle. I contacted the company again by email requesting an update on the refund they were requesting and advise them this has now caused action against my credit report. I received a response indicating that they would not be issuing a refund and an escrow analysis would be conducted. In addition, they stated my loan would be transferred in XXXX. I need resolution of my escrow, credit and have this finalized before transfer to a new company.
|
| 11/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
The servicing of my mortgage was transferred from XXXXXXXX XXXX to Dovenmuehle Mortgage , Inc. ( DMI ), effective as of XX/XX/2023. In updating my payments, which I send automatically by check through my bank, I realized recent payments have been misapplied. I make my regular mortgage payment at the beginning of every month and I make an extra principal payment in the middle of the month. I have been doing this for years without issue. However, XXXX has incorrectly applied/failed to apply at least XXXX principal payments and has not been willing to help resolve the issue. I called Amalgamated about this during the first week of XXXX. The representative told me to discuss with DMI. I called DMI who told me that, because my mortgage had been transferred, DMI did not have historical information and to ask Amalgamated to send the last 12 months of transaction history to me and to DMI. I did so and received that information. I called DMI again on XX/XX/2023 at XXXX XXXX EST. The representative told me to send the transaction history to XXXX ( DMI 's " research department '' ) and to explain the issue so that they could resolve it. I did so on XX/XX/2023 at XXXX XXXX EST. I got no response. I have repeatedly followed up and have not received even an acknowledgement that my email was received. In the meantime, my principal payments have been misapplied as regular mortgage payments and my current mortgage payments are being applied an entire month early. This needs to be resolved before the end of the year. My principal amount is larger than it should be! It is unacceptable that I am being charged extra interest through no fault of my own and without recourse!
|
| 08/30/2022 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
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I entered into a loan modification because I was not able to go back to my pre-COVID job The job I have now pays 50 % less than the one I had for almost 30 years. In fact, I am in a totally different field since I am unable to do the work I did previously I was not in foreclosure when I requested the modification I received notification that my payments would be on a 4 month trial and if I complete the trial, I would be on a modification which was worse than I had previously but I was told by the company to take the modification or refinance. I could not refinance so I took the modification, I paid the first two payments by rapid pay through their phone system. They then reported me to the bureau for being late. After that fiasco, I overnighted the payments which were worse, they received it by the deadline but refused to credit it timely. They were received by the due date but never credited on time so they reported me again and my wife. This company Dovenmuehle does this to me all the time with a previous loan, I'm so sad XXXX ( I never had this happen with XXXX ) sold to XXXX XXXX who uses this servicer. I tried to resolve the matter by sending the servicer a notice of error See attachments They fixed the error once but then again trashed my credit Im still waiting on accounting for the lump sum payment they received in XX/XX/2021. I think this is retaliation for a previous reporting to this agency for their tactics This is all a violation of the FRCA. The account was supposed to be frozen during this period and now I checked my credit to see that they are saying I owe them over {$7000.00} after paying the four reduced payments. How is this allowed?
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| 06/09/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have been with Dovenmuehle mortgage since XX/XX/XXXX and have been disgusted with the dirty tactics this company uses and how they do business. For the past XXXX years I have been experiencing difficulties keeping up with my mortgage payments and have recently went through a loan modification that did NOT help me. The interest rate and payment went up and I 'm now being threatened with foreclosure. I am XXXX payment behind and I have made a payment but Dovenmuehle is literally holding the check because they want all XXXX payments at the same time. Last summer I had a XXXX and hit my house causing over {$12000.00} worth of damage. Once the insurance company cut the check for the damage and Dovenmuehle received it they held the funds telling me they would n't disperse the funds because I was scheduled to go into foreclosure. This forced me to cover contractor and material expenses OUT OF POCKET. The insurance money for the damage had nothing to do with my mortgage delinquency! The contractor finished the repairs in XX/XX/XXXX and it took Dovenmeuhle through XXXX to make the last dispersement. This mortgage company has no problem lying or being dishonest as long as they are getting what they want. I was led to believe the loan modification would help me with making my mortgage more affordable because I had a loss of income, instead the loan is even more expensive than before the modification. I expressed to them that the modification hurt me more than helped and their reply is they are sorry BUT they want the XXXX payments ASAP. I do not have the funds to make all XXXX payment XXXX and they are still holding the payment I mailed out XXXX weeks ago.
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The company is Dovenmuhele that I'm complaing about. So I was out of work due to a back injury and placed on short term XXXX which was a huge decrease in pay. I as well had a severe case of covid that caused loss of income. I immediately contacted my house for a program through loss mitigation in XX/XX/XXXX. We constantly sent in stuff and begged for assistance this entire time. They finally offered us a modification in XX/XX/XXXX. So we stayed an active case in loss mitigation this whole time. In XXXX, XXXX and XXXX of XXXX we began the trial period for the modification with all payments needing to be on time. We then completed that and had no payment in XX/XX/XXXX, as the new loan was starting XX/XX/XXXX with the new payment amount. During this time several customer reps and supervisors stated they couldn't report late and they did. They promised to remove them once we completed the trial period and turned in our notarized paperwork. We did this and none of the lates were removed. Also, they then reported XXXX, XXXX, XXXX and XXXX late. If we would have paid late they would have kicked us off of it. We have proof they were paid on time. We have several emails and letters sent to the company and they never do anything about it and say no it's right. But several other lenders stated during loss mitigation they can't report late as we reached out to other companies to see what they said about this and loss mitigation told us that as well. They have destroyed my credit while I was in an active loss mitigation case. This shouldn't affect me as it took them so long to get stuff on their end together to work up something for us. It was ridiculous!
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| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My mortgage loan is currently backed by XXXX XXXX, owned by XXXX XXXX and serviced by Dovenmuehle for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the CARES act.
To summarize my experience, I have called in to both the Customer Service and Loss Mitigation departments scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the Deferral in XXXX, but it did not process until this month, XX/XX/XXXX.
I was relieved that the Deferral had finally processed, but then saw that XXXXDovenmuehle had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan.
What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX/Dovenmuehle are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.
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| 12/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.
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| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We paid off our mortgage with Dovenmuehle Mortgage on XX/XX/XXXX. We received a pay off confirmation letter dated XX/XX/XXXX. The amount of our escrow is {$11000.00}. As of XX/XX/XXXX they have yet to return the money to us. Below is a summary of some of our over 25 phone conversations with Dovenmuehle Mortgage : On XX/XX/XXXX we were told by representative XXXX that Dovenmuehle was able to direct deposit our escrow refund since we had not yet received their check in the mail. We e-mailed a voided check to the e-mail she provided and was told that in XXXX days we should receive the deposit. We never received the deposit.
On XX/XX/XXXX we called them to see where the deposit was and were told by representative XXXX that direct deposit was not an option. XXXX was going to have another check issued and we should absolutely have it on or before XX/XX/XXXX. We never received the check.
On XX/XX/XXXX we spoke with supervisor XXXX XXXX initials LRO ) that the check was mailed on XX/XX/XXXX. She was putting a tracer on that check to see where it was and was reissuing another check on XX/XX/XXXX. She said she would request this check to be sent to us via overnight mail. We never received the check.
On XX/XX/XXXX we spoke with representative XXXX XXXX initials XXXX XXXX who said that once the loan is paid off a check for the escrow refund is automatically cut in XXXX weeks. I then requested to speak to a supervisor. She directed me to XXXX XXXX initials XXXX XXXX who told us that she would have to research where the check was and that would take 24 hours. She guaranteed us that she would call us back on XX/XX/XXXX. We never heard from her.
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| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I've been requesting to cancel the escrow account with current mortgage company, XXXX XXXX XXXX ( serviced by Dovenmuehle ) since last XXXX. I called numerous times and emailed a couple time but theyre not either cancelling the escrow account nor resolving the problem. Instead, theyre charging the late fee although I made a payment on XX/XX/XXXX and making negative impact on my credit.
The reason why I want to cancel the escrow account is that they made my property taxes due in XXXX delinquent until XXXX. Theyre not capable of following up the taxes in timely manner. I would not like to deal with them any more in regards to my taxes.
I received the escrow analysis from them and see the escrow account shortage amount of {$1900.00}. I made a payment on XX/XX/XXXX to make up the shortage amount on the top of principal and interest, which is {$5600.00}.
- property tax paid in XXXX : {$8600.00} - escrow amount I paid since XXXX till XXXX : {$6600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - escrow shortage : {$1900.00} payment for XXXX : {$3700.00} ( principal and interest ) + {$1900.00} ( shortgage ) = {$5600.00} {$1000.00} Until today, theyre not trying to resolve the matter but trying to charge me {$12000.00} escrow reserve amount and raised the monthly payment by {$3000.00}.
Instead Theyre not trying to resolve the issue, theyre trying to hold more money from me and put my credit jeopardized.
Theyre not qualified and responsible lender / mortgage servicing company. Please address this matter with them and they have them take an action to correct this right away.
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX XXXX CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Dovenmuehle mortgage has not refunded an overpayment we made in XX/XX/XXXX.
The confusion began when Dovenmuehle put us into a COVID forbearance without our consent. After numerous attempts to get our extra {$2000.00} XX/XX/XXXX payment back, I am still without that overpayment. We refinanced away from Dovenmuehle in XX/XX/XXXX and this {$2000.00} was never accounted for in our closing and remains outstanding.
I have proof of payments made to Dovenmuehle from my bank ( s ) AND the Dovenmuehle website : XX/XX/XXXX {$2000.00} XXXX mortgage pmt from XXXX XXXX XXXX XX/XX/XXXX {$2000.00} extra payment made by mistake from XXXX XXXX XXXX XX/XX/XXXX Stop payment on XX/XX/XXXX executes for XXXX XXXX XXXX XX/XX/XXXX no check was ever received by us so that line doesnt count for anything XX/XX/XXXX Another {$2000.00} XXXX payment made to Dovenmuehle from my XXXX XXXX account to avoid threats of bad credit reporting from Dovenmuehle So we made 3 payments of {$2000.00} in XXXX and Dovenmuehle claimed we were late with our XXXX payment and threaten to tarnish my credit. There is no evidence showing where Dovenmuehle has returned any of these funds only the stop payment prevented the XX/XX/XXXX payment from going through. The XX/XX/XXXX check is a phantom - Dovenmuehle has failed to produce any evidence of this check being created, sent, or cashed.
Ive had to spend a total of 5 hours on the phone with Dovenmuehle agents and supervisors and have gathered this proof just to document Dovenmuehle 's error.
We are paid our mortgage diligently and any late fees need to be refunded as well. Any negative credit reporting must also be removed.
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| 11/08/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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On XX/XX/XXXX, I signed a Loan Modification Agreement and Partial Claim Deed of Trust with Dovenmuehle Mortgage. ( see attached documents ) Dovenmuehle never processed the loan modification in their system. I have been calling loss mitigation for over two years and they would say they are behind in processing. I have been making payments since XX/XX/XXXX. During covid I did miss some payment due to unemployment but, payments have been made. Dovenmuehle Mortgage said I did not make any payments XX/XX/XXXX to XXXX XXXX also XX/XX/XXXX to XX/XX/XXXX, so therefore they are not going to process the Loan Modification Agreement and Partial Claim Deed of Trust. ( Attached are statements from Dovenmuehle Morgage showing transaction where payment was paid during those time period ). Dovenmuehle never XXXX the loan out to start in compliance with the Loan Modification Agreement. ( Attached are statements dating from XX/XX/XXXX to XX/XX/XXXX ) showing the pass due amount continue to get larger and larger. They now say that I owe {$57000.00}. All payments made were going to unapplied. I had over {$51000.00} in unapplied funds as of XX/XX/XXXX. Dovenmuehle applied {$910000.00} to fees. This is unfair and deceptive trade practices. How can they not book the loan modification per the agreement that has been signed and recorded at the county clerk office? I do not owe Dovenmuehle mortgage {$57000.00}. Dovenmuehle is trying to cover their self 's because they never processed the Loan modification agreement in their loan system in XX/XX/XXXX and now, they want us to pay for their mistake. They are probably doing the same thing to other customers.
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| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My original loan was with XXXX XXXXXXXX XXXX and was given to Dovenmuehle back in XX/XX/XXXX without notice. During the conversion. I was approved for a deferment from XXXX which they did not communicate to Dovenmuehle. Also I have been paying my own property taxes for over 10 years they did not inform Dovenmuehle this either. I received a letter from loss mitigation at Dovenmuehle about owing the money that was originally deferred through XXXX and I sent them paperwork confirming the deferment back in XXXX. I was told they will research it and follow up with me and I never received a call or letter. Also, I requested to have my property taxes removed back in the beginning of XXXX because I've always paid them. I even sent in proof of this for the last ten years. I was told I would get a letter with a determination of that, which I am still waiting on. I received a grant in XXXX of XXXX which they took and decided to apply it to the deferment without investing the issue, and now they will not remove the property taxes or even respond. They also stated in XXXX that my next payment will not be due until XX/XX/XXXX but I call and they state i owe a payment for XXXX of {$800.00} which i never received a letter for showing proof of that. Also, they are charging me {$500.00} dollars a month in my mortgage for property taxes, and my taxes only add up to about $ XXXX yearly. I've called multiple times and there has been no solution, just excuses and long wait times. I feel like this company is a rip off and if you check the reviews anywhere on this company, they are all negative and someone needs to look into this company.
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| 12/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We recently changed banks so I am in the process of updating any accounts that we have set up to auto-pay to use our new account as the payment method. I am having some serious issues with our mortgage service provider, Dovenmuehle. I went onto the website to change out payment account. They do n't even offer an option to change, only to enroll or cancel. So I cancelled our current auto-pay and tried to re-enroll. This was 2 weeks ago. It gave me a message stating " Currently, there is a pending transaction in process.
Changes may take place the following business day after XXXX CST. '' I checked back the following day and got the same message. I tried for 2-3 more days, getting the same message each and every day. So I called Dovenmuehle and asked them what was going on. They said they had to put in a help desk ticket, which is insane because all I want to do is change the account that I used to pay my mortgage. I ca n't imagine that every single time that Dovenmuehle has a customer wanting to change payment accounts that they have to put in a service ticket.
Regardless, they told me I would hear back in 24-48 hours. It 's been over 3 days with no response from them, and still the same message on their website. So I just called back and wasted another XXXX minutes on the phone to be given the same run-around that they were working on it.
I do n't think it is fair to have someone servicing mortgages that is not even competent enough to have a functioning website to accept payments. How can I make a payment to them when I ( 1 ) can not add a payment account and ( 2 ) can not get anyone there to do it for me?
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| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process.
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.
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| 01/30/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Due to XXXX, our household had loss of income in XXXX. In an attempt to keep our head above the water, we went the XXXX forebearance route on our mortgage. Our mortgage company is reliance/dovenmuele and our loan was current when we entered the forebearrance. Close to the year mark of being in forebearrance, in XX/XX/XXXX, I contacted the loan servicer to end our forebearrance and do the partial claim with the missed payments by adding them to the end of the loan or a second interest free loan. I received paperwork for a loan modification and refinance in XXXX that had an extra {$12000.00} added to the refinance. I contacted the servicer again due to the paperwork not being the partial claim or the correct total. The mortgage servicer has not once contacted me or returned my phone calls. I received another set of paper work 3 months later in XXXX and another set in XXXX, all while trying to communicate with them that the amounts in the documents arent correct nor are they the partial claim we discussed and was available to me. I have left messages and made Inquiries as to ending the forebearrance. I could not resume payments bc the mortgage company would not accept them while my forebearrance was still active. On my mortgage account documents, there are notices for XXXX, XXXX, and XXXX that I never received or was contacted about requiring me to pay all missed payments by the first of the month. The accrued amount has increased monthly and now they are reporting my loan as being delinquent for all the payments. Still, no one can tell me whats going on and requests for contact for information are ignored.
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| 11/23/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.
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| 08/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, My mortgage servicer is Dovenmuehle. When a Covid19 started I did reach out to them for more information regarding forbearance. As I did not get an answer I continued with monthly payments. 3 weeks ago i did receive a letter asking to sign for forbearance. There was no information about how it will follow after that ( if i will have to make a ballon payment, or one time lump sum after the period and so on ). I called the representative for explanation, but I only got an answer : " sign the documents and at the end of the period our representative will reach out to you and you will see what options do you have ''. I have never seen such activity, that a customer needs to opt in into program, not knowing what is the outcome. ( they can XXXX a customer down with this ). Other companies do provide plans and documentation of repayment before even going to forbearance plan. I did decline to sign any documents and go with that plan. Now the problem is that i can not make my monthly payments online. As I log in and try to make a monthly payment I get this message : " Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX with any questions ''. Did try to call this number and no luck contacting the representative. In addition I have problem with this company Escrow collection, too. I have multiple times asked to stop it as I want to do it myself. All the time there is a huge delay. Last time I got an answer that Im eligible, but still cant do it ( i am with them for more than 24 months, escrow is up to date and I did put 20 % down on this mortgage ).
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| 02/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Emergency XXXX of us in danger.
# Current lender is not related in those problem.But owning home through people are taken benefits through us.
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail.
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.
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| 08/19/2021 |
Yes |
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- Trouble during payment process
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Web |
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Payment Errors : Your company did not properly credit 2 separate payments that I made on XX/XX/2021 in the amounts of {$1100.00} and {$2900.00}. These payments should have been credited to : o The {$1100.00} should have been credited to a shortage that was needed to ensure payments would not be increased.
o The {$2900.00} should have been credited to XX/XX/2021 mortgage payment Instead you improperly combined these two separate checks which were labeled for their intended purpose to : XX/XX/2021 mortgage payment of {$3100.00} on XX/XX/2021 A payment of {$45.00} for XX/XX/2021 {$820.00} Principal Curtailment or extra principal payment Your company did not properly credit the payment I made on XX/XX/2021 in the amount of {$3000.00}.
o Instead, you incorrectly for a month inaccurately showed that the XX/XX/2021 payment I sent was applied on XX/XX/2021, why was this applied so late.
o Then on XX/XX/XXXX you applied an erroneous Principal Curtailment or Principal payment of {$4100.00} that we never even made.
On XX/XX/2021 we received a letter from our bank letting us know that the XX/XX/XXXX Check was never even cashed.
Your company did not properly credit the payment I made on XX/XX/2021 of {$3000.00} o Instead you applied it to the XX/XX/2021 payment Your company rejected the full payment I made on XX/XX/2021 in the amount of {$3000.00}.
o Your company sent back my cashiers check saying that it wasnt signed.
To my knowledge and as with the other checks you do not need to sign.
Fee Errors : Your company incorrectly imposed several late fees on us due to all these errors, this needs to be fixed
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| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Hello, We bought and closed our house on XX/XX/XXXXXXXX through a conventional mortgage via Mortgage company : Dovenmuehle Mortgage , Inc . Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX.
Our monthly payments also included PMI ( mortgage insurance ). Over the last few months, we have made additional payments towards the principal to bring down our outstanding balance to 75.06 % of loan to value ( LTV ). In addition, the monthly payments have been on time with no delinquencies. In the month of XX/XX/XXXX, I called and requested cancellation of PMI.
The XXXX tax form 1098 issued to me clearly states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property ''.
I received a letter dated XX/XX/XXXX stating that I meet the requirements, however I must order a new appraisal which would cost me about {$750.00}. I called the company on XX/XX/XXXX, they said these are based on rules by HUD ( Housing and Urban Development ) and transferred me to them. HUD however states they only deal with FHA loans and not conventional loans. Dovenmuehle continues to give me the run around making me pay {$75.00} per month for PMI.
It has been less than 6 months since the initial appraisal, it does not make any sense on why should we waste money on another appraisal. Also, the company refuses to tell me at what LTV will they automatically cancel the PMI without requiring another appraisal.
This is clearly a case of exploitation of the consumer. Please help!
Thank you!
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| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hi, We asked for a forbearance plan with Dovenmuele mortgage. We were given a letter to sign ( agreement ) with conditions. I had called to clarify as it seems they are discouraging forbearance in the conditions.I have other loans and the process was fairly simple and the interest was added on to the end of the loan. In the CASE OF DOVENMUELE in the agreement there are three options after the3 month forbearance : " after the plan expires the mortgagor ( s ) will need to either : 1 ) Bring the loan current 2 ) work with the lender to obtain another workout plan, or 3 ) pay the loan in full '' It is not stated as an option to the mortgagor but a requirement. Obviously we need forbearance so I think one is not bring the loan current or paying it off entirely at the end of the 3 month period. That leaves the option of working with a lender on a plan. What if their idea of plan doesn't work at all and my option per the agreement is to only prepay or come up wit the 3 payments? I called and asked to clarify the payment after the three months but they can not discuss that until after the 3 months. Why would any mortgager go into tht potential signed agreement blind. Are mortgage companies required to give forbearance. If so this is a way to discourage it. The terms of the forbearance have to be clear before anyone signs anything. Hence we are very uncomfortable that we could be putting ourselves in an even tighter position, depending on the blank agreement the mortgage company has provided itself. And we just plain are in a tight position having to make the payments at this time. Help?
Thanks, XXXX XXXX
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| 03/28/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I was discharged in a bankruptcy inXX/XX/XXXX. SXXXX XXXX is saying I owe mortgage payments from XXXX, XXXX, XXXX XX/XX/XXXXwhen those payments were paid. They reversed the 4 mortgage payments and applied them to XXXX XXXX Fees. I have been requesting information sinceXX/XX/XXXX and have gotten absolutely no concrete answers on the process of their payment postings, nor what the charges or fees they are claiming. I have constantly been transferred from the " Bankruptcy Dept '' to the " Consumer Loan Dept '' to the " Colle ctions Dept '' to the " Loss Mitigation Dept '' over and over again since XX/XX/XXXXattempting to resolve this issue. When I finally get an e-mail from their " Research Dept '', they are now claiming even more money by taking 4 of my mortgage payments for " fees and costs '' associated with my bankruptcy but with no documents showing where my money was applied to. It is now going on 7 months of no resolution with this bank. I keep getting several different answers/responses with no documentation to prove what they are saying. They have reversed {$2100.00} of what I paid in mortgage payments with NO Notification that they applied those monies elsewhere. Therefore, they are claiming I was late on payments and have charged late fees, caused my credit rating to fall even lower after a bankruptcy discharge.
I feel this " bank '' is dishonest, continually passing me to one department to another without giving proof on what they have done with my mortgage payments and therefore accusing me of being behind on payments. As of XX/XX/XXXX, I still have not been able to resolve this issue.
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| 12/22/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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ORIGINAL COMPLAINT XXXX ( XX/XX/20 ) CLOSED BUT THIS IS NOT RESOLVED!
I understand this complaint has been closed but the issue has NOT been resolved! It is no different than when we started in XXXX. We received a letter from XXXX on XX/XX/20 ( dated XX/XX/20 ) that stated specifically the issues and that all was resolved. ( That's when they closed the complaint ) We immediately requested a payoff statement to verify ( dated XX/XX/20 ), and did not receive it until XX/XX/20 and it is STILL INCORRECT.
PLEASE SEE ATTACHED DOCUMENTS I've attached a mortgage statement from XX/XX/20 showing a principle balance of {$340000.00} - tell me how, AFTER a total of 6 payments ( 4 lumped together on XXXX of {$10000.00} ) and two others ( XXXX & XXXX ) in excess of {$2500.00} each - how can our principle balance now be HIGHER?? Payoff statement dated XX/XX/20 says we owe a combined principle balance of {$350000.00}!!!
The transaction history shows 3 different times we were credited for the {$7600.00} ( total of the 3 monthly payments ) - but that it was also DEDUCTED 3 times!! So we did NOT get credit for that {$7600.00} paid and the " second mortgage '' is STILL SHOWING A BALANCE of {$7900.00} - when it should never have been created in the first place!
Also, our escrow has not been corrected! What happened to 3 payments worth of OUR MONEY TO PAY OUR TAXES AND INSURANCE?? This was paid in the XXXX lump payment - 3 months of escrow are missing totaling {$1700.00}!
We had a mortgage audit done not long after our original CFPB complaint.
I have attached that for your reference.
PLEASE help us. Please.
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| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage has been over-collecting on my escrow account for nearly a year. My taxes went down significantly ( $ XXXX ) due to my home being designated Historic. I called Dovenmuehle in XXXX of XXXX to see when my mortgage payment would be decreased and when I would receive a refund for my over-payment. They told me the analysis would be completed at the end of XXXX. I called in XXXX when I didn't see a difference on my mortgage statement. I was put on hold for hours and no one understood what I wanted. I called again a week later and the same ting happened. I was hung up on and had to go through the system several times until I finally gave up. I called in XXXX and asked for an escrow analysis. They said ok, and a week later I created an online account so I could check to see if there was a new analysis. There was. It still showed the previous tax amount. I called a week ago ( XX/XX/XXXX ) and was told that I needed to show them proof of the new tax amount. They told me it would take four days to re-run once I submitted the tax bill ( which they already had ). I called my county and had them send me the tax bill. I emailed it to the address provided by Dovenmuehle. I called today ( XX/XX/XXXX ) and was told an analysis would not be run because the difference was less than {$10.00}. At this point I asked to speak to her manager. She is now expediting my claim. It took five months and I was never followed up with, or treated fairly. They have been holding too much of my money in escrow and it shouldn't be my job to correct them beyond when they received the first tax bill in XX/XX/XXXX.
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| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I wrote and called and contacted Dovenmuehle on XX/XX/XXXX and to date, have received no response. At that time, the agent on the phone state they had not received my payment and that I would be assessed a late fee and credit report if I did not make a payment that day, even though my payment had processed on XX/XX/XXXX. She said I should make the payment and then it could be straightened out later. It is six weeks later, and Dovenmuehle still has not " straightened it out '' and my additional payments are not anywhere to be found applied to the principal nor that a payment should not be due until a later date. They have not responded to two emails, and when I call, I am told to write an email! So, I have had -0- response and am paid ahead by {$1000.00}. Dovenmeuehle does show all of the payments but does not show that they have been actually applied to MY MORTGAGE. Furthermore, they have he address of my property INCORRECT and they have not responded, nor corrected the address to reflect : XXXX XXXX XXXX- instead, it shows as XXXX XXXX. I have asked them to correct this three times, again- no response and no changes.
Payments were made on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX as a direct result of your agent stating no payments had been received and I was past due for the full amount.
XXXX XXXX This is a total of {$2700.00}. I am paid ahead XXXX Where are these payments?? Your amounts do not match nor has it been applied to my principal, nor does it state that XXXX amount is due. this is ridiculous that have had -0- response in six weeks.
FIX MY BALANCE AND STATEMENT
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| 04/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuelhle Mortgage bought my Mortgage from XXXX XXXX. XXXX XXXX. or XXXX, that bought my mortgage from another company ( XXXX XXXX XXXX ). All this happened in less than two months. Dovenmuehle is now sending me certified letters and daily mail saying that I am in default of my loan. ALL the payments were made on time for my loan. I paid XXXX XXXX on XXXX XXXX, XXXX for XXXX as they still owned my loan to the best of my knowledge. On XXXX XXXX I paid my mortgage for XXXX to this other company ( I have bank proof as the payment was made online : XXXX XXXX XXXX XXXX ). Some time in XXXX I found out the loan was sold once again. The original mail was sent to a very old address and I only got this notice very late as the post office forwarded the mail. Once I figure out the new company I paid them ( XX/XX/XXXX ) through an online account I created. Since then I have made every payment before the XXXX of the month. Yet, after like 15 phone calls where I am assured all is good, I continue to receive very threatening letters. I faxed the information about previous payments and who they were made to them on or around XX/XX/XXXX. I keep calling and calling but nothing gets solved. They still think I own money that the other company ( XXXX XXXX or XXXX. XXXX. XXXX XXXX ) should have paid them as I paid them and on time and proof of those payments was faxed to them. I really need help. I worry so much about bills that were already paid and I did NOT choose this company. I pay all my bills on time and now my credit is ruined because of the lack of organization of this company. I hope you can help me.
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| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I tried to set up monthly auto pay for my mortgage through their website. There website was very confusing and I set up what I thought was 4 payments to pay XXXX, XXXX, XXXX and XX/XX/2020. My bank contacted me in XX/XX/2020 and said 4 Payments were trying to come out of my bank account on XX/XX/2020. I didn't have enough money in my account to cover 4 payments at once. I contacted Dovenmuehle mortgage and explained that I must have made a mistake when I set up the 4 payments. I spent over 1 hour on the phone with them and they told me the only solution was for them to return all 4 payments to my bank account. They instructed me to make 2 payments in XX/XX/2020. I was leary about having no payment for XX/XX/2020 ( because they returned it to me XXXX but they assured me that I didn't need to make a payment until XX/XX/2020.
In XX/XX/2020 I received a credit report alert stating that I had missed my XX/XX/2020 mortgage payment. I immediately called Dovenmuehle Mortgage and explained that they had reported a missed payment and what had happened in XX/XX/2020 and the lady told me she would take care of it but that it may take awhile due to staff shortages due to XXXX XXXX.
I have called them several times and I get disconnected after spending a lot of time on the phone. I have emailed them and they have not resolved this issue. Today I was on the phone with XXXX with Dovenmuehle mortgage and she was arguing with me before she even knew what my issue was. After being on the phone with her for a long time I once again was disconnected. I called back and was placed on hold for so long I hung up.
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| 12/18/2020 |
No |
- Mortgage
- Conventional home mortgage
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Web |
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- I closed on my mortgage with Dovenmuhle Mortgage and paid in full on XX/XX/XXXX.
- I had a significant remaining balance in my escrow account.
- I waited until mid-XXXX for the refund check and it never arrived. I called Dovenmuhle in mid-XXXX, and they said they weren't sure why the check wasn't sent but promised to send. Waiting customary 2 weeks processing and 7-10 business days for delivery.
- I waited until XX/XX/XXXX and called back. The check was never sent. They said I couldn't update my new address over the phone and had to email over a signed document asking for an updated mailing address. They asked that I wait 2 more days and call back to have the check re-sent. I asked for it to be overnighted and they agreed.
- Called on XX/XX/XXXX and they initially said they never received the email. I resent from two different email addresses and eventually said they found it ( not sure if original or 2nd attempt ). I asked for it to be overnighted and the rep said she needed manager approval, who was in a meeting and said he'd call me back. Manager called back and left a message saying the check would be processed within 2 weeks and then mailed.
- I called back and was told there was no way to overnight it. Asked for the manager and was put on hold for 20 minutes.
- I called back and had to go through entire thing again, asking for a manager. Was put on hold for 10 minutes and went to the automated survey and I was disconnected.
- I am waaaayyyy past the 20 day window for refund of escrow funds, and this entire process is unacceptable to illegally hold on to my money like this.
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| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Prior to XX/XX/XXXX, I had requested a forbearance extension and was told by my former mortgage company - Dovenmuehle, to have granted the forbearance extension. However, they went and ended my forbearance during the midst of pandemic against my will and forced me to pay back without my acknowledgement and agreement. I had called them multiple times and asked them to correct it in their system which they told me at the time that everything was being taken care of- they never did.
Eventually, they placed my mortgage account under delinquency and filed a credit report against me with the credit bureau for the two ( 2 ) missed payments of : XX/XX/XXXX and XX/XX/XXXX. They, then, transferred my mortgage to my current lender, XXXX XXXX Company, early XX/XX/XXXX without correcting their mistake.
XXXX helped me complete the loan modification and made my account current in XX/XX/XXXX. I have been making monthly mortgage payments to XXXX since XX/XX/XXXX up to the present without any missed or late payments.
However, Dovenmuehle ( my former mortgage company and no longer with me ) continues to flag and report me with the credit bureau regarding those missing payments back in XXXX. They recently reported me in XX/XX/XXXX. As the direct result of their false credit report and unwillingness to fix their mistake, I am unable to refinance my property which is causing me thousands of dollars on mortgage reduction.
I am not able to move forwards with refinancing because of Dovenmuehle. Please help me resolve this as I do not know where to turn to for help.
Thank you very much for your help!
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| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Ms. XXXX, Your statement isn't quite true or accurate. IF my loan was, according to you " intended to be boarded '' by the XXXX XXXX, IL office all along, why did you in route documents and payments to XXXX, XXXX, CA?? You do realize NONE of the payments I make go to XXXX XXXX, IL, but to XXXX TX!!?? I don't know about you, or your organization, but in my business, I don't route payments to XXXX, or XXXX, when the payment and all documentation is in XXXX! I want / have the payments sent directly, straight to XXXX ... that's called efficiency!
Your response fails to mention or acknowledge the MITIGATION documents sent to me by YOU ... XXXX XXXX, IL by XXXX XXXX!! ( Where the loan and documents are " boarded ''!! ) Those documents were dated XX/XX/XXXX.!
Please explain to me ( AND to Mr. XXXX ) WHY I am receiving from you, loan and personal information in an UNSEALED envelope, ( included in your communication to me ) Mr. XXXX XXXX XXXX of XXXX, GA XXXX Loan # XXXX!! ( I only included the last 4 numbers of the loan ) ... I may be mistaken, ( but I don't think I am ) ... it is against the law to disclose someone else 's personal and loan information ( unless they give you permission )!!
I just wonder, who's received my personal information! Once again, because of your lack of professionalism I am having to refinance at great cost to me, another loan from your organization! Doing business with you is extremely costly, Dovenmuehle/XXXX XXXX XXXX! This now makes 2 loans, 4 sets of documents, inspections, filings of documentation, and titles documentation that you should reimburse me for!
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| 09/18/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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How are there 3 PMI payments deducted for 1 month by previous mortgage company and transferred to a new servicer less than 8 days later? Dovenmuehle nor XXXX will not explain, and they will not explain how my Escrow account only has {$6000.00}.
On XXXX XXXX there was a third-party payment to Dovenmuehle Mortgage Inc. on my behalf. There is an ERROR with the way money has been disbursed towards my account.
XXXX XXXX XXXX XXXX ( DOVENMUEHLE ) XXXX XXXX id # XXXX is very rude and disrespectful and still give the wrong information about not locating my third party payment. On XXXX XXXX there was a new direct deposit third-party payment again on my behalf and XXXX XXXX XXXXXXXX and Dovenmuehle Mortgage Inc. accepted the payment but did not apply and did not transfer the funds to the new mortgage loan servicer. I have been given the runaround for weeks about this payment. I have called numerous times, I have sent several emails as well. I keep being told that the back end office are not able to locate the payment. THIS IS FALSE INFORMATION. The money cleared per third-party payor, which is how I was able to provide : PAYMENT REFERENCE NUMBER, BANK PAYEE NUMBER, BANK TRACE NUMBER and all other receipts from XXXX as proof of PAID for XXXX XXXX.
I called again today @ XXXXXXXX XXXX and XXXX/DOVENMUEHLE MORTGAGE INC has still been lying saying they only received XXXX payment when I clearly provided the XXXX payment information.
DOVENMUEHLE AND XXXX KEEPS LYING SAYING THEY CAN NOT LOCATE PAYMENT TO TRANSFER TO FREEDOM MORTGAGE, also they will not provide me with a tracking number either.
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| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, this complaint is directed to Dovenmuehle Mortgage XXXX Inc., which serviced my mortgage. Below is a brief timeline of the issues Ive encounter with Dovenmuehle and trying to recoup my escrow refund after paying off my loan. It took them 30 days to refund me ( well outside of the 20 business days prescribed by 1024.34 ).
XX/XX/2020 My loan was paid in full.
XX/XX/2020 An automatic monthly payment came out of my checking account ( {$3000.00} ). I can understand how this accidentally happened, not a big deal.
XX/XX/2020 I called asking about my loan being paid in full and when I was going to have my {$3000.00} returned, it never should have been withdrawn. Representative saw the error and said I would have a check in 10 business days.
XX/XX/2020 I called asking about my {$3000.00} and escrow owed to me ( {$1400.00} ). Had very long conversation. Supervisor told me that a check for {$3000.00} was in the mail and that the escrow amount had been escalated to the Acceleration Team. I was supposed to receive an email from them in 5 days and they were going to send the check via XXXX 2 day. I never heard back from anyone at Dovenmuehle.
XX/XX/2020 Once again, I called explaining the situation and was elevated to a supervisor. Supervisor told me that my issue had been elevated to the Acceleration Team and that I was supposed to get an email from XXXX today. I received the email and replied back to XXXX explaining that Dovenmuehle was outside the 20 day escrow refund law ( 1024.34 ) and that I wanted my refund immediately. XXXX confirmed they were cutting the check today.
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| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have my mortgage loan account with Dovenmuehle Mortgage Inc and I have been promptly paying all my installments in time, thru autopay. My home hazard insurance policy was expiring on XXXX XX/XX/XXXX. I intimated to Mortgage company about my intention to change the insurance provider on XXXX XX/XX/XXXX and they acknowledged receipt of the same. I chose my new home insurance provider XXXX and advised mortgage company to make payment $ XXXX/- to them on XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I had followed up with them on XXXX XXXX, XXXX XXXX and on XXXX XX/XX/XXXX for payment. Instead, they chose to pay hazard insurance premium of $ XXXX/- arbitrarily on their own to XXXX XXXX XXXX XXXX who insures properties only in NJ and PA states , where as my property is in TX state . When I lodged complaint with Dovenmuehle Mortgage, they are evasive, unreasonable and non-cooperative. When I insisted, they made another payment to XXXX. When I asked for refund of $ XXXX/- to my escrow account, they asked me to contact XXXX, where as XXXX was not chosen by me and I really didn't know who XXXX is. Upon my contact, XXXX team was also confused and advised me that they have not received any check/ payment from Dovenmuehle mortgage company regarding insuring my home property based in XXXX Texas . Further they advised me that they cover only NJ and PA properties and not TX properties. When I pointed all these errors to Dovenmuehle Mortgage Insurance team, they started harassing me that my home is under insured, whereas it is not. Mortgage outstanding is $ XXXX, while home is insured for $ XXXX.
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| 02/07/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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My husband lost his job in XXXX, since then were having problems paying the mortgage, on XXXX we stopped making payments due to the hardship. I contacted my loan company and they told me that i had to apply for forbearance hardship, i did apparently I didnt fill out the application the right way and i did 3 times after they told me to and it was always something wrong. Finally the accepted my application i send all the documents required i have been sending them my paystubs every XXXX weeks, and they just keep asking for the same document all the time. I called today XXXX because they send me an email that they rejected my application due to a missing information, they said that i never send them the HOA papers which i did it 3 times and they told that what they received it was from XXXX, which I dont know from where they got that information because we bought the in XX/XX/XXXX, and the house was build in XXXX. Then they told me that my paystubs that i send after the application dont match with the first one, that the amount its different, which i told them of course dont match because i am working overtime trying to paid some of the money that i owe you. Thats where i got upset because for me dont make any sense that a company dont see that the amount dont match because its overtime. And their answer when they realize their mistake was for me to write a letter. This situation is being like this since XXXX and they dont have an answer for me yet, except that i will loose my house. They refused to transfer me to a supervisor, treated me like garbage, the worst customer service.
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| 06/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, we closed on our new mortgage with XXXX XXXX XXXX and part of that closing, we were reassured that we could recast our loan. Shortly after closing our loan was sold to Dovenmuehle Mortgage. At the end of XX/XX/XXXX, we called the Dovenmuehle Mortgage and requested a call back regarding recasting the loan. In mid XXXX, we received a letter dated XX/XX/XXXX stating that they had received our inquiry and will respond within the time limit required by law. On XX/XX/XXXX, we called Dovenmuehle Mortgage and was advised that we had to send an email to XXXX. We sent our first email requesting a response to be recasting our loan, which we received no response. On XX/XX/XXXX, we sent a second email again requesting a call to discuss recasting our loan, which no response was received. In early XXXX, we received a letter dated XX/XX/XXXX, requesting an additional 15 days to respond to my inquiry and a promise we will respond no later than XX/XX/XXXX. On XX/XX/XXXX, we spoke to XXXX, Customer Service Supervisor for Dovenmuehle Mortgage, who advised that we had to send a request to XXXX, which we did on that day. On or around XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that our Private Mortgage Insurance has been terminated. To date, we are still awaiting a response to recast our loan and have had to pay the Dovenmuehle Mortgage interest for the full amount costing us approximately {$900.00} in monthly interest when it should have been approximately {$330.00} per month and declining, as we would like to apply {$150000.00} towards the {$280000.00} balance.
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| 10/13/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In an attempt to obtain a partial lien release from Dovenmuehle Mortgage Inc, we endured more than six months of delays due to irresponsible and unprofessional behavior, grievous errors, shift of blame, negligence, and refusal to communicate, convoluting and complicating what should have been an ordinary, simple, clear cut request to release a lien.
When our mortgage was originated in XXXX it included two separate tracts of land, only one of which was used in the LTV calculation nor was it included in the original appraisal at time of purchase. This was discovered when we tried to reconvey the second tract of land to my mother-in-law in XXXX of XXXX. So, it seemed that the request to release this tract of land would be simple since the land was not part of the LTV calculation.
However, instead of a simple release, we were subjected to continual and repeated shifting personnel, none of whom would take responsibility to look at the details of our request or take time to understand the history of the loan. Only under threat of complaint to the CFPB ( after 6 months of dodging, delaying and degrading ) and our pointing out errors in communication and paper work was the release drafted. A final insult was that the drafted release was riddled with error - including the wrong tract # and address!
For this dismal performance, we paid {$1500.00} and an appraisal fee upwards of {$600.00}. In addition to these fees charged by Dovenmuehle Mortgage, my mother-in-law incurred increased construction costs due to the delay of release of her land and inability to obtain financing.
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I paid off my mortgage to Dovenmuehle on XX/XX/2020. I have {$210.00} on my escrow account that must be sent back to me. As of today, XX/XX/2020, Dovenmuehle hasn't sent me my money back. It has been 40 days since the payoff date Dovenmuehle is not helping its customers. There is no customer service. When I call the customer service line, there is an average of 45 min wait time until I speak with someone. Sometimes, they hang up on me. When I explain the situation, they will open a case with their research department and send a mail to notify me. However, they won't send the money back.
I came across similar posts from other account holders. It is obvious that Dovenmuehle is keeping escrow balances that are due to customers as long as possible. Sometimes, I probably never pay.
PS : Attached document shows a response to my earlier complaint I had with Dovenmuehle. In this document, you can see the following Dovenmuehle statement in the last paragraph : " There is an escrow balance of {$210.00}. Our procedure for disbursing escrow funds from a borrower 's account after payment in full is to wait fifteen days from the payoff date to ensure the payoff funds have cleared. Your payoff date was XX/XX/2020. As such, we will disburse your remaining escrow funds directly to you in the form of a check through USPS mail. This check will be sent to the mailing address on file at the time of payoff. '' There is no excuse that this check hasn't been sent yet. Please investigate other Dovenmuehle accounts. You will see that they keep escrow money much longer than necessary.
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| 04/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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For the second time in two years, my mortgage servicer, Dovenmuehle , Inc, has manipulated my account to manufacturer an escrow shortage. I believe Dovenmuehle does this as a pretext to jack up my monthly mortgage payment upon executing their next escrow analysis, due to occur in the month of XXXX each year.
According to an email I received from an Escalation XXXX, XXXX XXXX on XX/XX/XXXX, she claimed that Dovenmuehle does a check of the balance due, BEFORE issuing payment. This statement, however, is false. Although I provided proof that there was an overpayment of my taxes via granted access to a shared folder on my XXXX XXXX account, XXXX XXXX claimed to not be able to open it. Which again I believe to be false.
Additionally, the overpayment in the amount of {$1800.00}, was claimed to have been disbursed on XX/XX/2023. However, as of today ( XXXX ) 15 days later, no such payment in that amount has been received and applied to my property taxes by the XXXX XXXX XXXX XXXX and XXXX Collector.
According to my property tax payment portal, there is a current balance due in the amount of {$1100.00}. If not paid in full by XX/XX/2023, two days from now, my taxes will be considered late and levied with a penalty.
By now, Dovenmuehle 's payment should have been received, and applied, and a surplus credit of {$650.00} should be revealed on my account balance. However, as it stands now, the overpayment has not been received from Dovenmuehle. Thus, I am unable to discuss the matter with the XXXX Collector to discern how and when I will receive a refund of the surplus.
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| 03/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, our city was declared a disaster area and my job was shut down for an undetermined amount of time but, for at least 2 weeks. I contacted Dovenmuehle and asked if they had any programs that would assist us during this time. They asked me to write out a hardship letter and scan and email it back to them. I attempted following up 2 times within a week an a half and the 3rd contact with a representative, I was told that they would have a decision for me the next day, but they didnt know how I would get that response. Two days later, I had not heard anything by phone or email so I attempted to call loss mitigation again. They have a recording stating they are not taking calls and the call is disconnected at the end of the message. They leave no option to leave a message. I attempted to email them and get no response and no automated email even telling me whether the email was received or not. Today XX/XX/XXXX, I checked my mail and receive a letter stating no decision, but telling me that because I asked for assistance options, they may have an appraisal done AT MY EXPENSE. I have always made my payments on time and I am current and up to date on my loan. I have no way to contact this company and I feel I am being taken advantage during a national pandemic. I want to know the decision on the forbearance and if they are not assisting me in anyway, then I want to know that they will not be ordering an appraisal that I would have to pay for. Charging me money during a time I am forced to be out of work and trying to make ends meet is predatory and disgusting.
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| 11/02/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.
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| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To whom it may concern, When the COVID-19 pandemic happened, I had applied for forbearance with my current lender, Dovenmuehle, and was told I would be receiving paperwork in the mail to sign. I received the paperwork, but I decided not to go through with it and never sent them the signed paperwork. I found out in XXXX that the forbearance was still applied to my loan ( when I never signed the paperwork ). This affected the credit of my parents ( who are co-signers ) and I. My parents are trying to refinance their home, but their loan can not be processed further until an opt out letter from Dovenmuehle is received.
I contacted Dovenmuehle on XX/XX/2020 to send me the opt out letter of proof that I am no longer on forbearance, current with my payments, and do not owe any back payments. They sent a response on XX/XX/2020 stating they will respond in timely manner as " required by law ''. I've made more than ten calls between XXXX through XXXX, but the only response I received is that the letter has been sent out ''. I had also sent another follow up email on XX/XX/2020. Finally, around XX/XX/2020, they admitted that they made a mistake and the correct opt out letter was not sent and will be sending it out soon. Ive made two follow up calls on XX/XX/2020 and XX/XX/2020 requesting the opt out letter ( again ) to be mailed and emailed this time. The letter still has not been received and today is XX/XX/2020. It has been over two months of waiting.
I attached my communication with them and proof of my current mortgage payments.
Thank you for your help, XXXX XXXX
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| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.
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| 11/10/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Due to COVID19 issues I was furloughed from my current job I contacted Dovenmuehle Mortgage, our current loan holder at the time, an was approved and received forbearance position on XX/XX/2020 and continued to be extended through XX/XX/2020, as shown by their letter dated XX/XX/12020. They assured me they would correctly report our position to the 3 credit bureaus and would not receive any late payments. When we recently checked our credit both XXXX and XXXX are showing 120 day lates. This has totally disrupted our lives and has dropped our credit score over 100 points. I have gone on record with over 30 phone calls ( all recorded and documented ) over the last 60 days into Dovenmuehle and, even though they confirm they made the mistake, they refuse to email me a simple 1 page letter I have been been requesting so I can clear my credit. This letter must contain specific items to which I will refer to further in the " Desired Outcome '' section. They also confirmed on recorded conversations I am not the only borrower they made these mistakes with during this time. I hope others who read this complaint that have had these same issues will join me in this complaint so that everyone will know the pain and suffering me and my family have experienced. Dovenmuehle is an irresponsible, inconsiderate company I have ever worked with!! They are a disgrace to the industry and I truly hope this complaint helps to discredit their name for everyone to witness!! Do not walk but run from this company so you never have to me treated as horribly and me and my family!
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| 03/02/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am a XXXX XXXX XXXXXXXX veteran with a XXXX injury. Sometimes I forget things. I have a mortgage with Dovenmuehle dba XXXX XXXX. I set up my online account and have been making payments. I set up autopay to make sure I didn't miss a payment. To date, I am current on all payments due.
Unfortunately, I forgot that I had set up autopay, and in an effort to ensure my payment was made, I made a one-time payment online. ( I have done this twice. ) There was no warning that popped up to let me know that it may incur a duplicate payment. It just let me make it.
Fast forward to XX/XX/2023 : I went to my online account to see that my autopay was still engaged, but they had disabled my ability to make online payments. I thought this was the fix to my issue. It wasn't. It was punitive. Not only have they disabled my ability to pay online, they removed the autopay ( even though it still says that it's active ). I called them to verify my payments, and that's when I found out. I reminded them that my autopay was not the problem ; they didn't care. I told them that this is undue hardship on a XXXX veteran, and I told them that their actions are punitive as a direct result of my XXXX. They said, " Sorry. '' But did nothing to change it. So, in an effort to work with them, I offered for them to use my husband 's account, since the issue had been with me. They flatly refused. They want us to go spend money with XXXX XXXX or buy a Money Order to pay the mortgage, rather than work with my husband or acknowledge that their system is not XXXX XXXX friendly.
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| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage was the servicer of my mortgage until some time in XXXX. They sold my mortgage without notice to me. I went to modify my mortgage payment amount and realized that I could not. I emailed them in XXXX to ask about why I was receiving paper statements and that I needed to adjust my payment amount due to updated escrow ( I pay extra ). They took over a week to respond to my email, and that after I had already called them. I spoke with a lady that tried to walk me through the process and when it didn't work, she had to put me on hold for 1/2 hr to find out that my loan had been sold. I received no information from Dovenmuehle until after my next payment was already due. Since I hadn't received any info from the new place either ; as they would not receive my info until after the payment due date, I was unable to handle my mortgage payment until 1st hearing from the new company. The last payment date to Dovenmuehle was XX/XX/2021. No notices are available online about this sale either. When they finally responded via email, again, there was no info about the fact that my loan had been sold and just a walk through of the process online ; which was disabled because they were no longer servicing my loan. When speaking to the lady on the phone, she told my that my bank account info would transfer over and the payment would process before the due date ; which was not true. None of it transferred over. Good thing I was on top of this process. Had I hoped for it all to efficient and correct, I could've been late on my payment.
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| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I refinanced my home with XXXX approx 18 months ago. XXXX transferred my mortgage to Dovenmuehle who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted Dovenmuehl and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at Dovenmuehle and XXXX XXXX over 15 times since XXXX.
Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated.
Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment.
I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points.
I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither.
I tried 7 on your side first and they suggested I contact you.
Thank you.
XXXX XXXX ( XXXX ) The Loan may be under The XXXX XXXX XXXX
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| 09/26/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I closed on my home on XXXX/XXXX/2016. My mortgage was paid in full with dovenmuehle mortgage under loan XXXX. The mortgagee did not post the payment until XXXX/XXXX/2016. I then submitted a change of address in writing with Dovenmuehle on XXXX/XXXX/2016. After not receiving my refund I called back on XXXX and I was told the address change was never received. However they gave me the exact same email XXXXXXXXXXXX to send it back to. Therefore, I filled out another change of address and sent it back. I was told I had to wait 30 days for them to reissue another check which I found unreasonable but I did wait until XXXX. On XXXX I was told it would be another XXXX7 days to research if the check had been cashed. So I called back on XXXX to see what progress had been made. I was told the 5-7 days was not up and that once they verified the check had not been cashed they submitted a request to " cut the check '' which takes XXXX7 days and from there the check then goes out another XXXX7 days later. I verified this by asking the rep, " so it will be another 14 business days? '' She said that was accurate and that 's when I said this was unacceptable. I pushed through XXXX different supervisors. Someone did not put me on hold properly and I witnessed the rep 's discussing how difficult I was being. Then a supervisor got on the phone and said they would try to direct deposit the refund in 72 hours. We will see if that happens but I have my doubts. I am going on 60 days since I closed my loan and this mortgagee still has my {$2900.00}!
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| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been struggling with the servicing department at Dovenmuhle regarding setting up an auto-draft of bi-weekly payments. I finally got it setup, and because their form is contradictory, they setup my bi-weekly payment to include an extra principal amount of {$200.00}. When completing the form my intention was to make a draft of {$100.00} with each bi-weekly payment.
I contacted their servicing department. The only way to change it is by sending an email to a strange email address. The customer service representative was very rude ( as have been all of their representatives ). She sent me an email and said I should respond to it. She would not include my loan number in the email, but said I had to include it in the subject heading in order for my request to be processed properly. I asked her why it was okay for me to respond to a non-secure email with my non-public information, but it was not okay for her to send it to me. She did not offer to setup a secure portal to communicate securely. I asked to speak with her supervisor. I was placed on hold, then after about a half an hour on hold, the phone line disconnected. When I tried to call back, the message said that they are now closed.
The representative could not guarantee that they will draft the correct amount when the first draft is scheduled. This is not in the consumer 's best interest. This servicing company continually provides worst in class service, has systems which are not up-to date, and do not have systems in place to protect my non-public information.
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| 12/29/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We sold our home on XX/XX/XXXX. Dovenmuehle confirmed a substantial escrow check that would be coming to us. We did not immediately 'change our address with Dovenmuehle ', which means that our check would be sent to the sold home, then forwarded to our new residence - long story, short, we've never received the original escrow check. On XX/XX/XXXX, I contacted Dovenmuehle, and proceeded with the change-of-address process, sending a signed copy by mail, AND submitting by scan/email back to their XXXX email address, as requested ( copy of change-of-address form and email, attached ). At the same time, Dovenmuehle was to send out a new escrow check. Two weeks later, I contacted Dovenmuehle to get an update on our change-of-address and disbursement of new check the representative apparently contacted their escrow department and confirmed that the change-of-address had been processed, and the new escrow check would be mailed-out sometime between XX/XX/XXXX and XX/XX/XXXX. I contacted Dovenmuehle on XX/XX/XXXX, and the representative placed me on hold to apparently contact the escrow department again, but upon her return, could/would not confirm whether or not the escrow check was actually, physically, mailed out in fact, she kept telling me that it would most likely be mailed-out the first or second week of XXXX, XXXX. When I asked to speak with a live supervisor or manager, she forwarded me to a voicemail. FYI, that as of XX/XX/XXXX ( 92 days after closing ), we have yet to receive the original, or replacement, escrow check.
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| 11/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been working with the Dovenmuehle Loss draft department because of my house damage claim and have been misled, confused, and left in the dark by their service representatives. The details of my loan require my mortgage holder to endorse the insurance checks that cover the repairs for my house claim. From the beginning of my interaction with their Loss Draft department no one from Dovenmuehle provided me with a checklist or documentation outlining any procedures for releasing funds to pay for the repairs I did not even know they would hold back funds without documentation until I called and asked about the status of the checks.
I have had to call over 10 times to get status updates regarding the processing of the claim. Almost every time I have called I received different requirements and information about what they need to release funds at times I have had to pay out of my own savings for repairs because the Dovenmuehle Loss Draft department was unable to release funds due to " missing '' documentation that was never disclosed. I have spoken with multiple individuals including a manager and received different messaging around what is required each time to release held funds and have received minimal correspondence from the department as a whole. I received a procedural document from them once that did not match up with what I was being told on the phone and my most recent conversation with a supervisor/manager revealed yet another procedure or hidden step to overcome for the release of the remaining funds.
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| 09/14/2020 |
Yes |
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- Trouble during payment process
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Web |
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I was approved for forbearance on my mortgage account related to COVID 19 financial difficulties. My payments were reinstated as of XX/XX/2020. I made the XXXX payment on XX/XX/2020 however my servicer has not credited that payment to my account. I have messaged DMI servicing twice now through its secure message center asking for my payment to be credited but I have not received a response. When I review my account, my payment still shows due for XX/XX/2020. I realize I need to reinstate my loan however I have not received any formal communication from DMI as to my reinstatement options. Obviously I do not have the ability to pay the 3 months of deferred payments in one lump sum otherwise I wouldn't have applied for forbearance but I also do not know what my options are. I do not want to talk to DMI by phone. I would like any communication to be mailed so I have a record of what my options are.
In addition to this matter, DMI is preventing me from using its online payment system for making payments to my account and will not accept personal checks via mail or at a bank branch office. The only options I have for making payments is XXXX XXXX which causes me to incur substantial additional costs ( {$89.00} ) or certified check which again is an additional cost and a significant inconvenience as I am forced to go to bank branch and deal with an in-person interaction in the face of COVID 19. Neither of these options are ideal so I ask DMI to please reinstate my ability to make online payments to my mortgage account.
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| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We were approved for a mortgage forbearance plan for XXXX XXXX payments, due to Covid. We started making payments again on XX/XX/XXXX and have made every payment since. Starting in mid-XXXX we were in contact with Dovenmuehle regarding the re-payment plan, and we chose the option to add those 3 payments to the end of our loan. They said they would send us paperwork. We did not receive it so we called back in XXXX and they said they had no record of the above conversation, and again they said they would send the paperwork. This happened 2 more times - we never received the paperwork to add the payments to the end of our loan and they began putting negative marks on our credit. They then on XXXX suddenly sold our mortgage to another company without mention of any forbearance to them - XXXX XXXX was in the dark and they just thought we had not been making payments. What Dovenmuehle did was, they took the 3 payments for XXXX and applied them to XXXX so it just looked like we were constantly 3 months behind. The new mortgage company was finally able to resolve it by putting us on forbearance again for 1 day to push these payments to the end of the loan. Dovenmuehle needs to fix any and all negative marks against our credit. The attached letter from them dated XXXX, was not received by us until after they sold our mortgage in XXXX. This was illegal according to the CARES Act of 2020. This company needs to be fined and we need to be compensated for the financial stress their negative credit marks have put upon us.
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| 03/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.
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| 02/01/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX of last year I ask for a covid relief with XXXX XXXX. They granted it for three months, then when that was over they just rolled me into another 3 months without my permission. I used a total of 5 months. In XXXX of XXXX I started making regular and on time payments. I requested a loan modification in XXXX of XXXX and they agreed, but stalled and stalled. I had a hard time making payments as well as they would seldom pick up the phone, often it took me days to pay as I was not allowed to do direct payment any more. I am XXXX XXXX XXXXXXXX as a veteran so I have as of XXXX of XXXX gotten a 100 % exemption on my taxes. They have not sent me a refund yet either. They have adjusted my payments now but not letting me know details, where did my XXXX go from last years taxes? Now today I called them and they rose my payments from XXXX monthly to XXXX monthly with no explanation. My va rep is very frustrated that after 4 attempts to contact them they are still not returning any messages. Please help I have no mortgage help at all. They say I owe XXXX but I do not I only used 5 months of deferral, they said they would put the XXXX at the back of the loan but it does look this way. Nobody will help me, nobody will tell me how they came up with these numbers, nobody. I ask now 7 times for a list of all my payments and what my mortgage is made up of and they will not respond. I have no mortgage company they are a ruthlessness ship. I am begging you to help me : If feel they are stealing my tax money ....
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| 11/11/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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This is kind of a long story, but will try to make it short. In XX/XX/XXXX hired XXXX XXXX. Paid XXXX for 3 months, within 2 months had all paper work in for them to connect to servicer, but in XXXX there had been no progress, had to cancel. Tried to get money returned to me. but to no avail. I was so naive that hired another company called XXXX XXXX in XXXX XXXX sent documents and yet again out XXXX dollars because they did nothing to stop foreclosure. House was sold back to to servicer in XXXX. I had talked, emailed, called everyone I possibly could, then the virus shut everything down. I refused to give up, a few months later. Got a call and was given a forbearance for 6 months, thinking that they were finally going to work with me. Yet again was fooled it was just for them to by time to sell it yet again. knowing that i had year to get back. I do believe i was scammed and also think Dovenmuehle was duel tracking me with no intention to helping, because they checked my credit in XX/XX/XXXX that I just recently seen on my credit report. I also tried to get a lawyer on this, but was told the bank would just keep throwing money into the lawsuit and be able to win. Now today Iam faced with surrendering my home to someone that bought for cheap when it doubled in value and i have worked so hard for the last 7 years to get, destroyed my Credit have nowhere to go because I was given a letter 10-day demand possession. Thanks, I do have documents to back me up. You can reach me at XXXX XXXX
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| 02/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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A few months ago I requested my PMI be removed and paid roughly {$400.00} for a property valuation to be completed. The result came back that my property was only worth {$370000.00} which seemed odd because XXXX shows my home value at roughly {$400000.00} and homes on my street are selling for well over {$500000.00}. My request was denied because the property value was too low and I was still a few thousand dollars away from achieving the required percentage. I called my mortgage company to ask if I needed to pay the difference in a lump sum or if I could just make my normal payments to make up the difference in a few month 's time. They assured me that I could make the necessary principal reduction through monthly payments and my property valuation would NOT expire in the meantime. Keep in mind that I had the funds available at that time but chose not to pay the lump sum at the advice of my mortgage company.
With my most recent payment I hit the required threshold and called my mortgage company again to request PMI removal. They again denied my request and are claiming that the valuation I paid for expired after 90 days. This directly contradicts what they told me before. I should not have to pay another {$400.00} to correct their mistake. They also told me it would take up to 30 days to research whether an error occurred, during which time I would be responsible for another {$75.00} in PMI. So in essence they are charging me for the time it will take them to discover their error.
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| 01/05/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Applied for XXXX XXXX XXXX XXXX XXXXXX/XX/2022 after falling XXXX XXXX behind after our XXXX forbearance ended. Was informed by the servicer, Dovenmuehle Mortgage Inc ( XXXX ), that some documents were missing ( documents that the application clearly stated were not required for the hardship reasons we selected ) or incomplete ( which were actually clearly marked and answered ). We promptly faxed those and were told everything was complete and would be reviewed within the XXXX XXXX legally required. It has been almost XXXX XXXX and we are still being told the application is under review. We have called numerous times and asked to speak with the single point of contact required to be available to us. We have never been able to speak with this person. All of the communication regarding this situation has been initiated by us. DMI has never called, emailed, or mailed us any communications regarding this.
We were also informed by XXXX of the various representatives that weve spoken to since we can not reach the single point of contact, that we could not continue to make payments while under review. This contradicts the information provided in the loss mitigation application and has resulted in our past due balance continuing to grow.
They have failed to review the application within XXXX XXXX, have lost documents, and failed to provide us with a single point of contact that we can actually reach. These acts clearly go against the XXXX servicing requirements as well as violates XXXX
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| 04/23/2021 |
Yes |
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- Trouble during payment process
|
|
Web |
Servicemember |
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I purchased my home in XXXX of 2019. For about a year the servicing on the loan was good. I find that I am a victim of preditory lending practices and fraud. I am paying high interest dispite having a relatively low interest rate of 3.75. My account is not being serviced properly ; in that, escrow funds are unaccounted for. Payments are being noted that werent paid, duplicate or false, i.e. home owners insurance, taxes paid before tax year due. My loan was underwritten so badly and fradulently or theft has occurred that it has caused a negative escrow. As you will see in my excel spread sheets more than enough escrow was available if the account were managed properly. I have no faith in them to manage/service my loan account honestly or correctly. I supposedly have a fixed rate yet my principle increases every month.I have received numerous intimidating and threatening calls that state my credit will be effected. I have made payments every month and yet they have increased my monthly payments to almost {$520.00} - which was never in my mind as within my budget. When a person buys a home they purchase it with a budget in mind- to make up for their deficient underwriting of the loan. My initial escrow deposit is all but missing. There is no truth in lending here. To date I am still making payments and do not know where they are being applied. Whats most insulting they attempted to refinance the loan where Id owe more but the underwriting was in the same manner, of course I declined.
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| 12/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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The mortgage is in my ex-husband 's name only because he purchased the house two months before we got married. Now since we are divorced the judge awarded me the house XX/XX/XXXX. I have tried everything to get the mortgage company Dovenmuehle Mortgage ( loan servicer ) to turn the mortgage into my name but they keep telling me my ex husband need to fill out the loan modification. I also mentioned the acceptance of loan modification based on me being the successor in interest but, I was told they will not accept it.
The reason I fell behind with the note, my ex husband was ordered to pay six mortgage payments last year to bring the mortgage current but he never followed the judge orders during our divorce.
Currently, the mortgage is in default held by the holder XX/XX/XXXX. I was told by Dovenmuehle Mortgage I have 37 days fromXX/XX/XXXX to pay the default in the amount of {$7900.00} to satisfy the account or foreclosure procedures will take place. Since then I talked with the mortgage company and they informed me that another mortgage note was added in the amount of {$490.00} ( this is the normal payment ) but for the repayment plan the amount of the note was {$850.00} which became too much of a struggle to handle when my child support payments fell behind.
I need Dovenmuehle Mortgage to immediately turn the mortgage over to me ( as being the successor in interest ) with the normal payment put back in place and whatever amount is in default add it to the back end of the loan.
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| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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We are in Loss mitigation with our lender, XXXX XXXX XXXX. XXXX sent our file to Dovenmuehle mortgage to handle the loss mitigation.
Dovenmuehle hired a real estate broker far from our suburban XXXX market to do an appraisal, or BPO... Broker 's Personal Opinion. It was a drive-by photograph and some equally far away sales comps that valued our 24 year-old house at {$960000.00}. They refused to do an interior inspection which we requested 3 times. They or some related agency blocked the same appraisal broker from doing the interior inspection after we specifically hired him, stating ( incredibly ) that he could not be objective.
We then hired a XXXX veteran broker from our own town to do a full inspection, inside and out. His BPO was between {$740000.00} and {$780000.00}. Four recent sales comps that were mysteriously missing in the Dovenmuehle BPO, showed up on our local Brokers BPO, the average of which is {$730000.00}.
Next, we sent 34 color photos of deficiencies identified by our Broker 's BPO. There has been no response from Dovenmuehle.
There have been 448 recent customer complaints about Dovenmuehle Mortgage. We don't want to be their next victim, we just want a loan modification based on the true value of our home.
It is clear to us that we are being mistreated and taken advantage by Dovenmuehle as the mortgage balance is very close to {$960000.00}.
DOCUMENTS : We can provide all written communication and photos on this matter at your request
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| 12/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Purchased my home in XXXX, NC, XXXX and had the homeowners insurance coverage adequate for underwriting and it closed. My mortgage was sold to Dovenmuehle in or around XX/XX/XXXX. On XX/XX/XXXX. I receive a letter stating that we dont have adequate hazard insurance coverage and to immediately get this to them or will face lender forced insurance. We immediately did our due diligence and purchased a policy with XXXX that is {$2300.00} and includes Hazard ins. compared to previous homeowners of around {$800.00} a year, and submitted the required insurance declaration on XX/XX/XXXX, and XX/XX/XXXX. insurance was effective XX/XX/XXXX. We were sent three letters since then denying that it shows proper hazard coverage, had to call on XX/XX/XXXX and they miraculously noted it was faxed and verified we were covered. Today on XX/XX/XXXX receive a protected email from customer service @ Dovenmuehle stating they are going to charge me their personal hazard insurance from the closing date of XX/XX/XXXX until this new policy became effective. I have never missed a payment or lapsed on insurance. We were covered by the lender standards originally XXXX above the purchase price, it approved from the underwriter and clear to close, dovenmuehle was not the original lender, and I wasnt informed of required hazard insurance until they mailed me the letter in XX/XX/XXXX. I'm wanting to know what can we do to prevent this backdated forced lender insurance, and possible kickbacks.
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| 11/23/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX.
2. I was told by the company to make 3 payments of the monthly amount and it would be completed.
3. I followed up in XX/XX/XXXX, and was informed the remodification never started.
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call.
5. With the help of XXXX XXXX XXXX who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters.
6. I applied for HAF assistance and uploaded proof of mortgage arrears.
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back.
I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX
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| 02/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Company Name : Dovenmuehle Mortgage , Inc .
Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX Dear Sir, Greetings.
The above Mortgage Company purchased our loan listed above from XXXX XXXX XXXX in / about XX/XX/XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note.
On/ about XX/XX/XXXX, Dovenmuehle Mortgage Inc XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid if full, paid in advance!!!
On/ about XX/XX/XXXX we sent TWO checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks. Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process.
On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX & XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note, which indicates clearly XXXX Late Fees will be assessed at any time, late payment or otherwise.
They Failed and Continued to Fail in providing the Mortgage Note, they also failed and continued to fail in Correcting the Mortgage Statement accordingly.
We received three statements so far, reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement.
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| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The loan servicer failed to make the escrow disbursements for property taxes due to the town that we live in. The taxes are now XXXX months delinquent. On XX/XX/XXXX, I received a letter from the town that our taxes were delinquent and I called the lender, XXXX XXXX XXXX, who referred me to our loan servicer, Dovenmuehle. On XX/XX/XXXX, I sent Dovenmuehle a copy of our delinquent tax notification to XXXX and received email confirmation that it was received. As of XX/XX/XXXX, the tax bill has still not been paid, remains delinquent, and is continuing to incur late fees.
I have repeatedly called both XXXX XXXX XXXX and Dovenmuehle requesting the payments be made and have received conflicting and confusing information with arbitrary future dates and time windows that certain departments give themselves to resolve the matter. So far, I have spend more than XXXX cumulative hours trying to resolve this issue. After my most recent call with Dovenmuehle, I was told that their tax department was very busy and does not take phone calls, but that a case was open and they would look into my issue by XX/XX/XXXX. This is unacceptable, as my taxes need to be paid. Further, the representatives at Dovenmuehle could not provide any explanation as to why my initial request on XX/XX/XXXX to pay the property tax was not fulfilled. It is unacceptable for my taxes to be late, period. But for the resolution to take this long is utterly inadequate and inappropriate.
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| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hello, I am closing a mortgage account with Dovenmuehle Mortgage Inc. My new lender ( HFCU ) requested a pay-off statement on XX/XX/2020 from Dovenmuehle but they didn't get a response. I requested a pay-off statement and obtained it on XX/XX/2020. I did my closing for the refinancing XX/XX/2020, so that the due balance to Dovenmuehle will be paid off and I will work with another provider ( HFCU ).
Today, the same day I did my refinancing closing, XX/XX/2020, I received a letter from Dovenmuehle mortgage stating that the right to collect payments from me is being transferred to another servicer ( XXXX XXXX ) and that Dovenmuehle won't accept any payments from me after XX/XX/2020. So I have only 4 days to adapt to this change.
Soon, my new lender will send a pay-off check to Dovenmuehle Mortgage company, but if it is later than XXXX XXXX XXXX Dovenmuehle will not accept the payments, and I will be late for payments unless I continue paying to the new servicer. Dovenmuehle customer service suggests to me continue paying the new servicer and get a refund later.
This is a scam. When I called the new servicer ( XXXX XXXX ), the automated message starts with " If you are a transferring customer from another provider, enter ... '' This is a set up done by Dovenmuehle Mortgage company to confuse customers and get them to pay double. I am pretty sure XXXX XXXX is a paravane company still controlled by Dovenmuehle. This is insane. This is a scam.
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| 11/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I contacted my mortgage company Dovenmuehle Mortgage , Inc in the XXXX of the pandemic to see what options they had due to my employment status and I was advised to be put on a 3 month forbearance program due to lack of work during the pandemic so I agreed. I returned back to work soon after so immediately after the 3 months passed I contacted them stating I wanted to make the payment in FULL because that was one of the options they offered and I wanted to be current and up to date on XX/XX/20 and they said no problem. I paid {$12000.00} which posted on XX/XX/20 and on XX/XX/20 my payment posted as normal of {$2500.00} and on XX/XX/20 my payment posted as normal of {$2500.00}. My statement is not reflecting off the payments I made and I'm being told my payments are all suspended which I don't understand where the money is. All I've been requesting since I made that large payment in XXXX is a payoff letter. They provided me with a few letters which aren't current and when I explain that to them they see that in there notes but refuse to correct the issue. They don't allow me to speak with the supervisor and I don't know what else there is for me to do at this point. I don't understand why they are holding the money and not applying it towards the loan. I was never informed any of the payments would be suspended. I contacted that at least 50 times from my XXXX payment and got no where. I feel taken advantage of and keep getting the run around.
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| 02/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying to get my {$750.00} back from XXXX Bank since they lost it last XX/XX/2020. I file a complaint with CFBP after spending months on my own trying to get it back. 2 months after XXXX got involved they found my money and submitted a letter to this bureau and to me dated XX/XX/2020 stating that my money was recovered and a check for {$750.00} would be issued to me and sent to my home by way of XXXX within 10 days. Once again as of today XXXX I have received nothing. I call XXXX Bank I believe on XXXX to find out what happen to the check that was to be sent to me back in XXXX. Here we go again. No one knows where that check went to like before it just vanished into thin air. after nearly XXXX hours on the phone with XXXX different people that would not give there names or telephone ext. I got promise that I would hear back from them within XXXX hours. That was XXXX weeks ago and I still have heard nothing. I am completely lost all patients with that Bank. I want to sue them put them on the news and I believe they should be treated like a criminal that steals money gets caught and still doesn't return the money to its owner. If I wouldn't give them their {$750.00} Payment 10 months ago I would be living on XXXX XXXX with bad credit and no where to go. Please help and advise me on what to do next.
My old claim number with CFPB XXXX I have all the paper work proving everything I have said is true.
Thank You XXXX XXXX XXXX # XXXX
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| 07/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Servicemember |
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I am currently selling my house, it's in Escrow, and due to close XX/XX/XXXX. I asked for a net sheet from the Escrow company. I noticed a charge for {$1000.00}. When I called Dovenmeule to inquire about this charge, the representative was very vague and was unable to completely explain it. However, they said it was most likely due to my bk.
Long story short, I just discharged and closed a bankruptcy back in XXXX.
I explained that to them and that this was my primary residence and it was never in bk nor did I make any payments through the trustee. They said I would have to write them a letter explaining this and sign it. I wrote the letter and emailed it as requested. A few days later I received a response stating that this erroneous charge was due to the bk and they were not going to remove it. So, I decided to write my bk attorney. He looked into it and discovered that this charge had nothing to do with the bk and all my financial obligations were paid in full. He also stated He didn't know where this charge is coming from.
I decided to do some research of my own regarding this company. They have over 535 complaints in the last 3 years on the XXXX, 1-2star ratings on XXXX and XXXX and about 5 law suits brought against them. Anotherwards, these dishonest practices are there normal way of doing business. My purpose for writing this is to have them be HONEST for once and remove this erroneous charge completely off the payoff statement.
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| 07/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments.
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical.
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.
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| 05/02/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I went into forbearance in XXXX of 2020 and was given 12 months of forbearance. I was told I was in loss mitt and that I needed to continue payments or I would be kicked out of loss mitt. So I caught up on all of my payments and I had given them 90 days and they said they mailed something to me. I never recieved anything. I have been calling back Monday the start of every week trying to get a call back or something. No such luck. Now I am late in XXXX and XXXX. My loan modification for covid 19 should have been in effect by then. I was advised by the foreclosure prevention service to file a complaint because this is a common happening in the dovenhule mortgage company. Also my credit is ruined. I have proof of payments made from end of forbearance to XXXX and XXXX XXXX XXXX. Through XXXX. and now I was told that I can't apply for any more help even though the program I was needing wasnt available at that time. So my credit is showing 180 days late which is untrue. I have made payments to them, I am only 1 or 2 months behind right now. This is insane they say I should be recieveing info in the mail. And I never do. No one calls me back, and if they are using the terrible credit score they forced upon me I won't be getting a very good loan modification. So in the loan mod the forbearance was going to be added to the end, I was to get an interest rate reduction and I was having the pmi removed because it's below 80 % ltv. Please help me.
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| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment.
I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause.
Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years.
Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.
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| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Refinanced primary residence on XX/XX/XXXX and loan was paid in full.
Dovenmuehle Mortgage company auto-drafted loan payment on XX/XX/XXXX after loan was paid off.
Called Dovenmuehle on XX/XX/XXXX to inform them of the extra payment & the escrow amount owed. They told me the checks would be cut in a week and then placed in the mail ( 7-10 days for delivery ) Called Dovenmuehle again on XX/XX/XXXX. Again, they told me the checks would be cut the next week and then placed in the mail ( 7-10 days for delivery ) Received Mortgage company checks for the escrow amount on XX/XX/XXXX but NOT the additional mortgage payment Called Dovenmuehle again on XX/XX/XXXX to inquire about the remaining balance ( {$3500.00} ). Company placed another work order and assured the check would be cut on XXXX and mailed.
After no check was received an no activity on the account, I called on XX/XX/XXXX and spoke to a supervisor. He told me the previous 3 work orders were done incorrectly and assured me that the money could be wired later that day. I submitted a voided check at XXXX with the routing information.
After no funds were wired as of noon on XX/XX/XXXX, I called the company yet again. The company says they can not wire the funds for 5 days.
According to XXXX escrows should be paid in 20 business days. This has been over 30 business days with multiple attempts to resolve this with the Dovenmuehle customer service representatives.
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| 07/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased a home in XX/XX/XXXX. Shortly after, our original mortgage company sold our mortgage to Dovenmuhle. Our first payment to Dovenmuhle was in XX/XX/XXXX. We have an escrow account with Dovenmuhle. Our property tax bills for XX/XX/XXXX were sent out in XX/XX/XXXX. XXXX county taxes were due XX/XX/XXXX and were paid by Dovenmuhle from our escrow account on XX/XX/XXXX. Our City of XXXX taxes were due XX/XX/XXXX. However, these were not paid until XX/XX/XXXX. An interest penalty for late payment was applied and I reached out via phone to Dovenmuhle on XX/XX/XXXX to inquire and understand what occurred. They gave me instructions on how to request a reimbursement and I sent that correspondence on XX/XX/XXXX requesting a reimbursement to our escrow account for {$94.00} ( the total amount ended up being {$94.00} of interest accrued, this can be confirmed with the XXXX County ( Georgia ) Tax Commissioner office ).
Dovenmuhle 's response to my email inquiry requesting reimbursement into our escrow account included the following : " Please not that you will not be reimbursed for the penalty tax amounts as we did not disburse these funds from your escrow account as they should have been paid prior to the service transfer of your loan. '' How could my original mortgage company have paid a bill which did not exist until XX/XX/XXXX? That is 3 months after Dovenmuhle bought our mortgage from our original mortgage company.
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| 01/18/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX I lost my job due to covid back in XXXX and have been working with XXXX XXXX XXXX to be put on a temporary payment plan. I was approved for a trial period starting XXXX, XXXX and XXXX of XXXX to pay XXXX. I made the first payment for XXXX. I called on XX/XX/XXXX to make my next payment and was advised i was removed from the trial period due to non-payment. I spoke with a supervisor whom advised me she would be sending an email to the XXXX XXXX department for them to reinstate me due to payment was received. She then called me back on XXXX and advised me the request was approved and that she could go ahead and take my XXXX payment. I asked her is she was showing a payment for XXXX scheduled to draft from my account if so i need to pay the difference of the XXXX minus the XXXX because that payment will cause my account to overdraft, she then advised me there was no payment showing pending we then made the payment. On XX/XX/XXXX XXXX draft from account and XXXX was returned due to insufficient funds i called back the day i saw the payment return and i reprocessed the payment. I called today on XXXX to pay my mortgage for XXXX and was advised i was again removed from the trial period due to a payment being returned i requested to speak with a supervisor the rep refused and advised me to apply for other assistance. I'm just trying to be put back on the trial period and continue making my payments.
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We were given a 90 day mitigation at the onset of covid 19.After the ninety days ended we were asked if we would like to repay the 3 payments in a lump sum or have them added to the end of our contract.We elected to have the payments added to the end of our mortgage contract.That was almost 2 years ago and we are still shown as behind by 3 payments.Those 3 payments originally totaled XXXX XXXX.After receiving an escrow analysis saying we had a shortage of {$4800.00} ( XX/XX/XXXX ), we paid the shortage.Today XX/XX/XXXX we were told our escrow shortage was originally XXXX XXXX.Our taxes are around {$1700.00} and our insurance around {$3200.00}, so how is our shortage $ XXXXEverytime we call to speak to someone we get conflicting information or we mysteriously get transferred to their survey line.The one time we were able to speak to a supervisor, she said she would have a specialist look at our account and someone would get back to us, that never happened.The person we spoke to can't tell us why there is such a discrepancy in the numbers.There web site is no better it contains outdated and confusing information.It shows recent months with no payments and we haven, t missed any payments other those three that were in mitigation.We need to have some explain in detail whats happening with our mortgage account.We are starting to regret ever establishing a mortgage with this company.They are not very customer oriented.
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| 09/26/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I had a loan with Dovenmuehle Mortgage from XX/XX/XXXX to XX/XX/XXXX. The issues started when they took over from the first mortgage company ( I guess that is common to be bought out by another early on ). They told me to use the same coupon book that my payments would be forwarded on.. So I did so.. They notated that I was late almost every month bc of the mail time it took for the payment to be rerouted. I tried to do bi weekly payments via wire to get this corrected but they did not accept that form of payment ( of course not then how could they charge late fees ) ... so I tried to do online payments.. that worked for a little bit until they turned that feature off.. so I could no longer do online so I had to go back to mailing in payments ... towards the end of my loan.. they would say.. we never received your payment.. then all of a sudden it would show up.. or I would send a payment and they would return it and not apply it to my loan. I would message them all the time on their own website asking for assistance to get this resolved and no one responded or when they did it was weeks to a month later ... Horrible customer service. They took no ownership in their errors or lack of response to their website issues. I can now not get approved to buy a new home and am stuck with this on my credit due to their lack of customer service. Also I closed on XX/XX/XXXX and as of XX/XX/XXXX they are reporting me late.
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| 04/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.
2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.
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| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I refinance with XXXX XXXX XX/XX/XXXX and at that time they put XX/XX/XXXX tax payment into escrow. I just refinanced again with same company XX/XX/XXXX and my attorney found that the taxes are deliquent because the City of XXXX did not receive the XX/XX/XXXX tax payment. I have phoned into Amerisave and servicer ( Dovenmuehle in Illinois ) 10+ times over the last 2 months trying to get this resolved and as of today the City still does not have the tax payment nor the interest payment. According to " XXXX '' at Dovenmuehle on XX/XX/XXXX at XXXX she stated that they sent 2 checks to City ... .check # XXXX in the amount of {$1200.00} which was deducted from my escrow to pay the taxes and check # XXXX in the amount of {$290.00} was paid by them ( Dovenmuehle ) because it was there mistake ... this was for the interest charge. I physically went to the city tax office this past friday and they never received the checks. I phoned back into Dovenmuehle today and spoke with " XXXX XXXX '' and she opened a work ticket and said it would take another 3-5 days to research. I asked to speak with her supervisor whose name is " XXXX XXXX '' and she said he would call me back. Dovenmuehle phone # is XXXX. Loan # is XXXX I received a payment notification from servicer stating that my taxes in the amount of {$1200.00} were paid on XX/XX/XXXX however the city never received the money nor did they get the interest fee.
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| 11/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company is over collecting for my escrow account. This began when my XXXX property taxes were higher than projected by my mortgage company. They made an adjustment to my XXXX monthly payment to recover the escrow shortage.
I protested the XXXX appraised value with the local appraisal district. The appraisal district ( XXXX XXXX XXXX XXXX ) agreed with my protest, and reduced my appraised value accordingly from {$410000.00} ( XXXX ) to {$370000.00} ( XXXX ). This has resulted is a significant decrease to my XXXX property tax bill.
Earlier this month, XX/XX/XXXX, the taxing authorities published their XXXX tax rates. XXXX published my XXXX tax bill. I shared my tax bill with my mortgage company and asked them repeatedly to update my escrow collection to reflect the change to property taxes. I have shared the published tax bills with their escrow department. After several requests, they have finally updated my escrow projection, but it is still not the correct dollar amount for taxes.
This over collection is causing significant financial hardship for my family. I just want my escrow account to reflect my actual taxes due.
XXXX County Taxes ( actual ) : {$5100.00} XXXX School Taxes ( actual ) : {$5800.00} XXXX County Taxes ( actual ) : {$3500.00} XXXX School Taxes ( actual ) : {$3600.00} XXXX Total Taxes ( actual ) : {$7100.00} XXXX Total Taxes ( projected by mortgage company ) : {$9300.00}
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| 03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/2019 joint mortgage account with Dovenmuehle Mortgage was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as Dovenmuhele Mortgage. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department of Dovenmuehle, attached is a letter stating " Dovenmuehle has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that Dovenmuehle has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and Dovenmuehle, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
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| 06/13/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.
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| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I refinanced my home in XXXX and the new mortgage closed in the beginning of XX/XX/2020. In order to close my new loan, I had to deposit almost {$17000.00} into my escrow account to pay the costs. The money was to be returned to me once my new loan was funded. The money should have been sent to me in check form. Dovenmuehle Mortgage send the original check to the incorrect address. As a result, I had to wait a month before the company would issue a new check. On XX/XX/2020, I called Dovenmuehle Mortgage and the representative said that the new check was begin processed. I waited. I called again. I waited. I called again. Finally, on XX/XX/XXXX, the supervisor XXXX told me that the check would be two-day aired to me. On Thursday, XX/XX/2020, no check. I called again on XX/XX/2020 and spoke to XXXX. She said the funds were not available and she would track everything down and call me back. No call. Today, I spoke to XXXX, who said that there was no movement on my check. She said she would transfer my call to XXXX. The call was dropped. Dovenmuehle Mortgage has violated its protocol by not getting the money to me. When I asked for the money to be wired, no response. At this point, I have spent over 10 hours trying to get a resolution. Dovenmuehle Mortgage does not make its managers available to customers so there isn't any way for me contact a person with power. I need your help as I need my refunded ASAP!
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| 07/24/2018 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/2018, I filed complaint # XXXX with the Consumer Financial Protection Bureau. This matter was resolved by Dovenmuehle Mortgage Inc on XX/XX/2018. I was told via letter that all late charges associated with my account were waived and that my account was up-to-date. I also received a phone call from a representative from Dovenmuehle Mortgage Inc.that stated that my account was no longer past due. Soon after, the harassing phone calls resumed and I was being told that I missed the monthly payments. I waited to file this complaint because I thought that their system would need some time to update my account based on the " resolution '' of my last complaint, however, the matter has not been resolved. According to the recent letter sent to me by mail on XX/XX/18, I am being accused of having a back balance of {$1600.00} for missed mortgage payments for XX/XX/XXXX and XX/XX/2018 including {$230.00} for attorney and late fees. As of XX/XX/2018, Dovenmuehle Mortgage Inc. has cashed 8 checks from me this year via XXXX XXXX XXXX. Those amounts include {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$700.00} on XX/XX/18, {$680.00} on XX/XX/18, {$680.00} on XX/XX/18, and {$700.00} on XX/XX/18. I am not missing any mortgage payments and have proof from XXXX XXXX XXXX stating that Dovenmuehle Mortgage Inc. cashed 8 mortgages checks from me for XX/XX/2018 thus far.
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| 09/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our home was lost in the XX/XX/2016 flood in Louisiana. We have attempted to obtain the payoff amount from the company that bought our mortgage ( Dovenmuehle Mortgage ) from our local bank ( XXXX XXXX XXXX since XX/XX/2016. These requests have been made by phone, email, and written correspondence. We have explained repeatedly that our ability to rebuild hinges on this payoff amount, but have only been met with collection threats, rude employees, and absolutely NO cooperation from this company. They say they can only mail the payoff amount via US Mail and say they have done so on four separate occasions. However, this document has still not been received. We have had no interruption in mail service, our local post office has no record of this correspondence, and we just do not believe they have made any attempt to send it in order to continue to charge us their exhorbitant late fees. We have requested that this information be sent via overnight service or certified mail, but were told they " do n't do this ''. We are currently living in a small camper in our driveway and have an application with the small business administration for a loan which will enable us to rebuild, but without this information, this process can not move forward. Dovenmuehle Mortgage and their employees have only shown less than a lack of concern for our circumstance, so we feel we are forced to seek assistance at a higher level.
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| 10/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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There has always been an issue with the escrow account since I closed on this mortgage nearly 3 years ago. Most recently in XXXX I received my tax bill, noticed an error and contacted my municipality tax assessment office. That issue was quickly and easily remedied and I received a new revised tax bill which I sent to dovenmule. I showed them the proof that the bill they had due for my 3rd quarter was incorrect and they made 2 payments anyway, one correctly and one in excess of over XXXX in overpayment. I told them and they said there was no error. I confirmed with the tax office that they received the overpayment and would have to send it back to dovenmule. I contacted dovenmule with my concern of overpayment affecting my escrow and they assured me that I was not due for escrow assessment. I just received an assessment raising my monthly payment by {$500.00} for a perceived shortage that does not exist. Currently they have overpaid my taxes by over {$2000.00} and they projected tax payouts for XXXX are incorrect by another {$2000.00}. This is the 3rd time that they get my taxes due from a third party and will not accept my municipality tax office as proof of the correct amount due. This is an unnecessary hardship on my family to pay another XXXX because they are incompetent and refuse to see proof of their error. This seems wrong that they can overcharge me and keep my money interest free every year
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| 03/17/2023 |
Yes |
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- Trouble during payment process
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Web |
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This is a copy and paste partially from a previous complained. I have called more than 4 times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} I paid since XX/XX/XXXX. XXXX XXXX dollars! Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes 7 business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the HAF funds that have been submitted by Florida????
XX/XX/XXXX since the last complained there were some adjustments made and then just of a sudden reversals done. I still do not see any further HAF payments. DEO/HAF states they have sent over {$13000.00} in total since XXXX, XXXX.
I made another regular monthly payment XX/XX/XXXX this one was also reversed. Why???!!!!! Now my payoff shows more than XXXX $ on the account. I have reached out numerous times via phone and email to the company. I have asked for escalations and keep getting told no managers available. I need to be patient. I have been getting the run around since XXXX with substantial funds not applied. What else do I need to do???
XXXX XXXX {$1900.00} check # XXXX XXXX XXXX Check # XXXX by phone {$9900.00} conf # XXXX XXXX XXXX acct.
check # XXXX by phone conf # XXXX {$19000.00} Check # XXXX {$10000.00} principal XXXX
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| 04/25/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I fell behind with my mortgage beginning in XX/XX/2021. I was able to make some payments in XXXX but not sufficient to reinstate my account to a current status. I removed money from my small retirement account but it was not enough with being delinquent with the utilities and other household bills, including a defunct XXXX unit that required repair/replacement. I was hesitant initially to apply for a loss mitigation, thinking that I could get caught up but fell further delinquent. Upon falling 6 months delinquent, I then received a notification of impending foreclosure status if I did not pay the arrears plus over {$1200.00} in legal fees which I did not have in my possession, nor could secure with a loan as my credit is subpar. I have submitted the loss mitigation documents as of XX/XX/XXXX, where my account has been stagnant and no new activity or status update. I have called at least weekly to check the status my account, however was advised to wait XXXX business days but no new updates have occurred. In addition, I advised of my willingness to attain half of the required balance to reduce the liability however was informed that I must remit the entire balance. As of today, I have reached out several times to gain a status update and advise that no new updates regarding my account have been provided, which increases the possibility of my account moving into a pending foreclosure date.
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| 11/06/2019 |
Yes |
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- Trouble during payment process
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Web |
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I received a letter dated XX/XX/19 that I was in default on my loan. I was shocked because I pay my mortgage monthly through my bank. I don't receive statements and had been having trouble logging into my account online, so I called.
Apparently, with no notice, they increased my payment and have never to this day sent me a statement. They say I can't have online access to my account because I filed for bankruptcy over 8 years ago. What?
So I told them the only thing I received was the letter. Now it is XX/XX/XXXX, and still have not received a statement. And they are still denying me access to my account online.
Their phone service does not have automated account information. I am not allowed to make personal calls while I am at work and by the time I get off, they are closed because they are in Illinois.
What does having online access have to do with bankruptcy? I just want to stay current on my account and make sure I know when the payment changes. Why did they wait so long to contact me?
This is not the company I started with. They took over my lone from XXXX last year. And when that first happened, I was able to log in online. Then eventually I was denied access with no notification. I emailed customer support several times and THEY NEVER responded. How is denying me online access because of a bankruptcy a thing? It's a tool to make sure I know what's going on with my account.
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| 08/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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As of today, I am only one month behind on my mortgage payment for my condo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. It is currently up for sale and I have already moved. The condo was purchased prior to the housing market crash, so I owe more on it than it is worth. I can not wait to get rid of it.
My concern is that the mortgage company Dovenmuehle Mortgage , Inc. has not been posting payments sent to them, and have not even cashed a couple of of checks I have sent them. Dovenmuehle Mortgage Inc ( DMI ) claimed not to have received a cashiers check I sent them from my credit union, but I have proof that they did receive it from my credit union, which I will attach. I also sent them a check from my XXXX XXXX Checking account, check number XXXX dated XX/XX/2018, which still remains outstanding/not cashed.
These are a few of the problems that I have reported previously about this company. This is very serious, and this company needs to be investigated and shut down. The statements that they have sent to me are hardly ever accurate. Something needs to be done and action needs to be taken on Dovenmuehle. Dovenmuehle is making it difficult for me to get rid of the underwater condo, that I still must pay a condo fee on every month plus utilities, which if costing me even more money I simply do not have, well at least until I can get this condo sold via a short sale.
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| 11/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XXXX of XXXX, I was effected by XXXX, so I put my mortgage into forbearance in XX/XX/XXXX.
This year ( XXXX ) I was able to fully recover and recoup my finances to begin paying on my mortgage. After being told by many reps from XXXX XXXX XXXX ( Dovenmuehle ) to just start paying my mortgage, they began foreclosure proceedings. I contacted their Loss Mitigation department and began XXXX paperwork to save my home. I provided all the necessary paperwork but was continually told to provide bank statement after bank statement and HOA paperwork again and again. They continued with foreclosure even though I was in loss mitigation. With help from the VA, I was able to obtain a loan modification. I signed and had notorized the loan paperwork sent to me from XXXX XXXX XXXX/Dovenmuehle and returned it. The VA is in possession of the documents. The loan modification began on XX/XX/XXXX. I have made XXXX and XXXX payments. Dovenmuehle has continued with the foreclosure and served papers to my home. In XXXX Dovenmuehle sent notice that my escrow account is deficient and based it on the principle prior to the loan modification. This has all taken place despite having entered into a loan modification. Dovenmuehle has entered into a loan XXXX, continues to process the foreclosure, is accepting my new loan payment amount, and is adjusting my escrow according to the old loan principle and interest.
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| 01/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX as I was ending the XXXX financials and opening the financial files for XXXX I noticed a mistake on my existing mortgage with Dovenmuehle Mortgage Inc. The loan was originated XX/XX/XXXX with XXXX XXXX XXXX, sold prior to closing to XXXX XXXX. XXXX XXXX serviced it until XXXX, XXXX when Dovenmuehle took over the loan. For various reasons it was not detected that when Dovenmuehle took over the principal balance was increased by {$47000.00} and the interest rate was raised from 4.5 % to 4.99 %. I contacted Dovenmuehle on XX/XX/XXXX. I was placed on hold for almost an hour and then the customer representative, XXXX told me I would have to send all documents to the Research department. I requested to speak with someone who might be able to expedite the resolution to the issue which is clearly their responsibility. My request was refused. I did send all documentation. Note, Deed of Trust, XXXX XXXX 's first and last statement and Dovenmuehle 's first and last statement. I then called again on XXXX and was placed on hold for 30 minutes and spoke with another representative who asked me to resend all the documentation. I told him a had a email reply that they had received my first email. He asked me to resend which I did immediately. I did tell him if I did not receive some form of communication within 24 hours that I would be filing a formal complaint. Which brings us to this.
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| 06/22/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.
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| 02/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have my Mortgage with Dovenmuehle.
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX I requested to have my PMI cancelled on XX/XX/XXXX according to the Homeowners Protection Act. They sent me a letter on XX/XX/XXXX about my request. My original Loan amount was for {$240000.00} in XX/XX/XXXX. It is a seasoned Loan. I have not missed a Payment and I now owe {$130000.00}. I am now at 53 % LTV ratio. According to the Homeowners Protection Act, they are legally required to remove the PMI. They are also required to send me a letter every year updating me when It will be removed, they never sent me such documents.
According to their letter, I must buy an appraisal from them, and only them. They stated that if the appraisal shows that the house is worth the same amount as the original appraisal of {$250000.00} then they might consider canceling the PMI.
I called them back and told them that the Homeowners Protection Act does not state that I am required to get an appraisal to remove it since I am well below the 78 % LTV. They stated that my Loan was a Fannie Mae, Which it is not, and that they require it not them.
I feel like they are giving me the run around about removing the PMI.
Please help me, I have a well seasoned Loan, I am at 53 % LTV ratio, I have a conventional Loan. I am up to date with my payments. They need to Cancel the PMI from my Loan.
XXXX XXXX XXXX
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| 04/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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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.
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| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased my home in XX/XX/XXXX, and upon completion my load was sold to Dovenmuehle Mtg. In XXXX they sold my loan to XXXX. Within the first 30 days XXXX notified me they had not received my XXXX payment, as it was sent to Dovenmuehle. Upon reaching out it was corrected, BUT THEN I was hit with a escrow shortage. I am not sure how that is possible in the first year of owning a home, but I called to find out Dovenmuehle claims to of sent me a escrow overage XX/XX/XXXX. I never received such check but was informed I would need to call them. I called XX/XX/XXXX to be told they needed 2-3 business days to research and then I WOULD HAVE TO CALL BACK. So I reached out XX/XX/XXXX to ask what was discovered. I was told that they would need to issue a new check and that would take 3-5 business days. I called XX/XX/XXXX to be told a check would be mailed out and it would take 7-10 days for me to receive. Due to the holidays and the plandemic I gave it some extra time. I called again XX/XX/XXXX to be told they do not know where my check was and that they would need to escalate my issue and someone would contact me within 3-5 business days. Here we are 8 days later and I am now being told that they can not do anything to help me for 30 days. And there is nobody to speak with, that I can leave a VM for a supervisor. They are harboring money, and owe me {$890.00} and I want my money back.
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| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We refinanced our home in XX/XX/XXXX, When we did the refinance unfortunately our title company never paid our school taxes so they were re-levied onto our land taxes in XX/XX/XXXX. Our lender uses Dovenmuehle mortgage to service their loans the lender that we use is XXXX XXXX XXXX this complaint is for both of those companies. We have been on the phone with Dovenmuehele mortgage 3 to 4 times a month since XXXX we received the check from our title company and pay the school taxes which this company is showing records of yet they continue to charge us an extra {$800.00} a month for a every time we call we are told that they are doing an escrow analysis to fix our mortgage and a callback on a certain date yet it is not done on that day we have spoke to numerous supervisors and got nowhere with them at this point we are {$2400.00} extra since XXXX and they refused to give us an actual answer as to when this will be fixed what they are doing is criminal this money is going into our escrow account which I have no hope of seeing again since there are numerous complaints about them about not giving people their money back that is in their escrow account we have been trying to fix this with them since XXXX and this is absolutely unacceptable please reach out to me with any questions as we would like this resolved in a timely fashion and Can not afford an extra $ XXXX.
Thank You!
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| 09/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Purchased condo XX/XX/XXXX for {$220000.00}. Initial Mortgage : {$210000.00}.
80 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX.
78 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX.
Current Principal Balance : {$170000.00} as of XX/XX/XXXX I contacted Dovenmuehle Mortgage after making the large payment XXXX {$35000.00} XXXX, which was credited to the account on XX/XX/XXXX. I was below the 80 %. I was told I would need to pay for an appraisal before the PMI would be taken off. I was recently told the appraisal completed as part of the purchase of the condo was to be good for 3 months.
As of XX/XX/XXXX, the mortgage principal reduced to {$170000.00} which is below 78 % of the original value of the condo. I have been current on my payments. Dovenmuehle Mortgage continues to charge me the {$72.00} per month for the PMI.
I contacted Dovenmuehle Mortgage Co on XX/XX/XXXX, they will not cancel the PMI until I pay the appraisal fee ( {$420.00} ). They want confirmation the value of the condo has not reduced. In the last 6 months I put in close to {$100000.00} in renovations. You better believe the value is more than {$220000.00}.
Based on federal law, the servicer must automatically terminate PMI on the date when the principal balance is scheduled to reach 78 % of the original value of the home, which was XX/XX/XXXX.
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| 06/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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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.
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| 10/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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Sold residence in XXXX ; escrow funds were never received. Located funds in unclaimed property, {$2500.00}, with the State of Illinois. Submitted paperwork for signature verification by a notary to firm in XX/XX/XXXX. Still waiting for documents to be sent to the State of Illinois. State of Illinois has closed claim for a lack of activity. See below.
Unclaimed Property Time Line XX/XX/XXXX Discovered unclaimed property on website ; claim filed XX/XX/XXXX Required documents notarized at bank XX/XX/XXXX Mailed documents to State of Illinois to process claim XX/XX/XXXX Received verification form from Illinois via email XX/XX/XXXX Emailed verification form to XXXX XXXX at Dovenmuehle Mortgage Inc.
Received acknowledgment of email received from Ms. XXXX XX/XX/XXXX Sent email to Dovenmuehle Mortgage Inc. asking for status of claim No response from Dovenmuehle XX/XX/XXXX Called Ms. XXXX at Dovenmuehle for status ; left voice mail ; no response or return phone call XX/XX/XXXX State of Illinois status - dropped for inactivity or duplicate claim XX/XX/XXXX Contacted Dovenmuehle Mortgage Inc. customer service Explained issue to representative asked to speak to a supervisor ; called transferred to supervisor ; no answer ; automated disconnect after preset time ; did not talk to a supervisor.
Dovenmuehle Mortgage , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
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| 03/18/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX doing business under Dovenmuehle Mortgage is trying to defraud us out of our money with a Property Inspection Fee charge of {$20.00}. We have never had anyone enter our home and do a property inspection. Also, the Late Charge Assessment we paid in the amount of {$44.00} is not for us being late on our {$970.00} mortgage loan. It was accessed because XXXX of XXXXXXXX XXXX failed to inform us by not communicating that our escrow account had a shortage. They had ample time from XX/XX/2022, through XX/XX/2022, to call or email us about adding money to the escrow account, which they never did. We have had the same lines of communication since first contacting XXXX of XXXXXXXX XXXX XXXX XXXXXXXX when we began our application for refinancing. This company has deliberately recorded and credited our mortgage payments as being unapplied and late and in default. In XX/XX/2022, we sent a signed written request by both borrowers to " Waive Our Escrow Account '' with XXXX of XXXX, XXXX per their written request. They are not at all late or missed monthly at all. We have never missed or been late with a mortgage payment whatsoever. If the payment is received after the XXXX of the month, it is considered late and a late fee of {$45.00} will be charged, it is written on the mortgage statement. We never asked or requested any property inspection.
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| 02/26/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Following a mortgage refinancing, Dovenmuehle erroneously debited my bank account on XX/XX/2020 for a payment XXXX {$2800.00} XXXX on the closed loan account ( # XXXX ). I immediately requested refund and confirmed my mailing address multiple times. Dovenmuehle stated the refund check was mailed on XXXX/XXXX/2020, but I never received it. I called every week to confirm that it was mailed, and I reported I had not received it. I was told that although they can see that the check was never cashed, they can not cancel it, and I needed to wait 30 days before another check could be issued. After 30 days I spoke with supervisors again on XXXX/XXXX/2020, who stated Dovenmuele will re-issue another check and mail it again -- the same method that failed last time -- and that if I do not receive it I will need to wait another 30 days. When I called today ( XX/XX/2020 ) I spoke with a supervisor ( XXXX ) who told me they have directed an investigation to see if the check has cashed, and that I will have to wait for the results of that query before a check can be re-issued. Although Dovenmuele can automatically debit my account, they state they are unable to refund my money any other way. Every call is met with excuses, new process requirements, and inaction. My family is being punished for Dovenmuele 's mistake, and inability to overcome their own inflexible process.
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| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I discovered that there were checks attached to documentation that was sent to me from XXXX. When I discovered this I had 2 stale checks. For 2 years I have called spoke to multiple people and told that it would take XXXX weeks to be resent. I wait start the process all over again. Nothing has happened no check replacement to letters or calls NOTHING. I have the checks in my procession and XXXX of the agent stated that can see that the checks have not been cashed. Last 2 times I was told that it was because of a new regulation that had to be completed. We completed them. I was told to make sure I let whoever I speak to that the old account number was XXXX, because it was switched to SierraPacific XXXX and then to XXXX. Which are all subsidiaries of XXXX. The second escrow check they sent attached to the paperwork, never should have been refunded because by doing so meant my Home Owners didnt get paid and I did not know it. I want this money back and very tired of hearing the same BS each time I call.
First check # XXXX dated XX/XX/XXXX amount {$110.00} Second check # XXXX dated XX/XX/XXXX amount {$830.00} The name on the check XXXX XXXX XXXX This is unacceptable and I do expect them to pay me the interest. My belief is that they are waiting until it is too late. I would appreciate your help with this. I have been in touch with all of the institutions.
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| 07/28/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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Last week XXXX, XXXX 2020 I had contacted our present mortgage company to ask for a mortgage statement and mortgage note, due to some unforeseeable circumstances our online privileges were revoked, which by the way is a huge inconvenience. I made them aware of the urgency of my request and after pleading with them they agreed to send me both documents, 5 days later i received a mortgage statement, missing was the mortgage note. I called to resolve the situation and this is where things went very badly. After being passed around I finally was able to speak to someone who agreed to fax the missing document, to my surprise, they faxed someone else mortgage note to our new lender who called me right away, I called my mortgage company back and one again I was transferred to several departments, I spoke with 2 managers who informed me that they had misplaced my file, in addition, they were very unaccommodating, I made them aware I was going to contact CFPB, this did nothing to help me, I pleaded with them to get me my mortgage note due to time constraints, that made no difference to them. on a last effort I asked to speak to another manager, there response was to email them and they would work on it, this is not unacceptable, I do not understand how they could mail me my mortgage statement but tell me they lost my file. I am in desperate need of your help,
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| 03/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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DOVENMUEHLE MORTGAGE HAS DRAINED MY ESCROW ACCOUNT BY {$6400.00} AND REFUSES TO GIVE ME ANY PROOF OF THE PAYOUTS. I HAVE SPENT OVER 30 HOURS [ 80 % OF TIME ON HOLD ] TRYING TO GET THEM TO EXPLAIN THEIR PAYMENTS MADE FROM MY ESCROW ACCOUNT IN THE AMOUNTS OF {$14000.00}. THIS EVENT IN XXXX OF 2021 RESULTED IN THEM DOUBLING MY MONTHLY PAYMENT. WHEN THEY REFUSED TO EXPLAIN, I INFORMED THEM THAT I WOULD HANDLE MY ESCROW GOING FORWARD. I HAVE NEVER MISSED A MONTHLY PAYMENT OF PRINCIPAL AND INTEREST AND PAID THE ESCROW UNTIL THEY TOOK MY ESCROW AND WOULD NOT GIVE ME ANY PROOF OF WHY THEY PAID 3 TIMES THE AMOUNT OF PROPERTY TAXES ON MY PROPERTY. I HAVE ANALYZED MY ESCROW WITH THE ACTUAL PAYMENTS RECEIVED BY THE TAXING AUTHORITIES AND THEY DO NOT COMPARE. I HAVE ATTACHED XXXX PDF FILES SHOWING THE ISSUES I AM HAVING WITH THEM. ISSUE # 1 IS THE PRINCIPAL BALANCE. I HAVE NEVER MISSED OR WAS LATE ON ANY PAYMENTS ON MY ACCOUNT. SEE PDF SHOWING HOW THE PRINCIPAL BALANCE THEY SHOW IS OFF BY {$2600.00}. ISSUE # 2 IS MY ESCROW ACCOUNT WHICH I ANALYZED AND FOUND THAT THEY PAID OUT {$6400.00} MORE THAN THE CITY AND COUNTY TAX ASSESSOR SHOWS. I HAVE THAT ANALYSIS IN THE SECOND PDF.
FINALLY THE LAST PDF IS THE SUMMARY OF TELEPHONE CALLS AND MY REQUEST TO HAVE THE ESCROW ELIMINATED DUE TO CAUSE SINCE DOVENMUHLE REFUSED TO PROVIDE ME WITH PROOF OF WHAT THEY PAID AND WHY.
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| 06/18/2022 |
Yes |
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- Trouble during payment process
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Web |
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Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer Donvenmuehle ( XXXXXXXX XXXX ). This is sent by check every month. Mortgage was transferred to new servicer ( XXXXXXXX XXXX ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. I provided bank statements to XXXXXX/XX/XXXX showing money was drawn from account from Dovenmuehle XX/XX/XXXX. 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. Now XXXX is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. XXXX, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet. This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. Neither Company wants to be held responsible for this seemingly missing money. ~ {$400.00} dollars. XXXX says I need to call Dovenmuele. Dovenmuele says I need to call XXXX, I'm getting the runaround.
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| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We closed on a conventional mortgage refinance on XX/XX/2021. Our previous loan servicing company, Dovenmuehle Mortgage, claimed to have processed our escrow account refund ( {$7100.00} ) onXX/XX/2021. We never received the payment and requested it to be re-issued on XX/XX/2021. We were told the re-issued payment would be received within 30 days. We never received the second attempt at payment.
After approximately two weeks, we were told the check was cut and being sent out and would be received within 5-7 days. No check ever arrived.
After numerous calls to their customer service department and getting different answers each time, we were finally advised on XX/XX/2021that our original request for re-issuance of the payment on XX/XX/XXXX was still being processed and they had 60 days in which to do so. I asked to speak to a higher level supervisor and was told that request would take 5-7 business days. I was also told all other information provided to me prior to this call was incorrect and they didn't know why I was told what I was told.
Dovenmuehle refuses to issue the refund in any other manner than a mailed paper check. I asked for proof that a check was even actually mailed initially and they were not able to provide that information, suggesting that it was still only being processed and not sent out after the 20 days required by law.
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| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been in contact with my mortgage company for over 2 months now about my taxes being unpaid. Everytime I call, I ask to be transferred to a supervisor to discuss my file. Every single time I call they claim to be opening a work order that is due by x date and when I call on that date for an update, I'm given another date XXXX weeks from then. My taxes are now delinquent and I don't believe it's my responsibility to pay the interest out of my escrow account due to their mistake. I work at a real estate attorney 's office and know how this should be handled. I asked them to confirm the tax map # of the taxes they paid for and it was a completely different tax pin than my property. I searched the taxes up and it's for a whole other person 's property who just got their taxes paid for on my escrow account 's behalf. I have given the company all the information that they need to fix this issue and I am never given an answer or taken serious. It's frustrating when I'm given the run around on every single phone call but they're quick to draft out my mortgage payment every month. I've attached a copy of my deed to show my correct tax pin as well as a screenshot of my escrow information showing the incorrect tax pin. I have spent hours on the phone with this idiotic company and I am tired of getting the run around. They could absolutely care less.
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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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.
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| 09/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have been contacting and attempting to contact Dovenmuehle Mortgage since XX/XX/2020. My hazard insurance with XXXX XXXX XXXX expired XX/XX/2020 due to nonpayment. I have my insurance premium escrowed so I have paid for my insurance over the last year. As soon as I became aware that Dovenmuehle had not paid, I began contacting both XXXX and Dovenmuehle. XXXX is aware of the situation and has been in contact with Dovenmuehle as well. I have uploaded insurance documents to the Dovenmuehle website ( ihaveinsurance.com ) many times. I have managed to speak with about 3 people at Dovenmuehle on different occasions over the last two months and have been assured that they would pay my insurance as agreed. I have sent three secured messages asking them to pay my insurance and have received no response. I have until XX/XX/2020 to pay the premium to reinstate my insurance. Today so far, I have been on hold with Dovenmuehle for exactly two hours with no live person answering yet. I have paid all of my payments on time and the insurance premium amount is more than covered by my escrow. If Dovenmuehle does not pay this week, I will to pay my insurance premium twice -- once through escrow and once out of pocket to reinstate. Waiting on hold for two hours to ensure my insurance is paid as agreed and as allocated every month is completely unacceptable!
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My mortgage was paid in full to Dovenmuehle in XX/XX/XXXX and they stated the cut the escrow refund check XX/XX/XXXX and mailed it the same day. After waiting a couple of weeks, I called and let them know that I had not received the check and they informed me that I would need to wait for a for 30 days to call and request another text to be cut. I called back on XX/XX/XXXX to do this and I inquired with a customer service rep about my unit number being on the mailing address. She said that it wasnt noted, took my unit number down and said she added it and I should receive my new check no later than 15 business days.
It is now business day 17 and again I have not received the check. I called them again to confirm and ask if they had a tracking number or could send me proof that the actual check was cut and they kept telling me that there was nothing they can do once the check has been mailed except to wait 30 days and repeat the process of canceling the previous check and issuing another one. This is about to be the third time Im calling to request my escrow refund check and it has been almost 3 months since XXXX XXXX XXXX has paid them in full. They had no issue accepting the {$200000.00} plus pay off check from my new mortgage servicer however when the time comes to issue me my {$2000.00} refund check, they are giving me the runaround.
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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We were struggling to pay the mortgage due to covid and loss of hours/income. We had entered into the forebearance period through loss mit and finally started to get back on our feet. They offered us two choices, defferal or modification. We chose to go the modification route as the XXXX payment was still going to be hard for us to pay due to loss of income as well. So on XX/XX/2021 I sent over the modification application for approval. They told me it was going to take 10 days to process. After 30 I called up and they said it would take 2-3 months. So when I paid the mortgage payment I would check on the status as well as in their computer system. They had no answers ... Come XXXX I started calling weekly to see where our application was, I got several different answers from XXXX, XXXX, XXXX, XXXX, as it was shipped, but I never received anything ... They also stated a supervisor would get back to me ( they never did ). So finally on XX/XX/2021 I called and spoke with 3 different agents ending with XXXX. He told me that the supervisor of our loan no longer worked for the company and that because it has been so many months from our application that it was no longer good and I had to fill out a new application. This is unacceptable and very sloppy work as per attached I have been calling monthly and weekly to follow up on my application.
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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This is a new development on existing case number XXXX Submitted to the CFPB on XX/XX/2020. As per the attached .pdf, dated XX/XX/2020, you can determine this company granted me a deferral. On XX/XX/2020, their representative XXXX, stated that she " anticipated '' me receiving the deferral docs for me to sign and once and for all, lift this forbearance, in 2 weeks, via first class mail. That should have arrived yesterday, XX/XX/2020 and did not. In order for me to refinance, which is in progress, this forbearance needs to be resolved asap. Today, XX/XX/2020, I once again spoke with one of their company representatives, named XXXX. I asked her when I could expect this document to arrive, she answered " I don't know ''. then redacted, now stating 30 days, opposed to the anticipated two weeks, stated by her co-worker XXXX.
This morning I logged into their website to make this month 's mortgage payment, as I have done for years, even during this period of forbearance ( this is documented ), and unbeknownst to me, my loan is now not eligible for online payments. Nobody from this company informed me of this change to my payment capabilities and payment is due today. this is just another in a long list of irresponsible, potentially hurtful actions by this company. There should be some sort of accountability, but they just don't seem to care.
|
| 12/16/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
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I filed a complaint against my mortgage servicer, XXXX, related to issues with processing previous forbearance requests related to financial difficulties brought on by COVID 19. XXXX responded to my most recent complaint by correcting their systems to show my account in forbearance for the period XX/XX/XXXX- XX/XX/XXXX. Prior to XXXX correcting this issue and providing the full forbearance period, I made five full payments to my account. These payments were made only because of the failure by XXXX to respond to my additional forbearance requests. Now that the issue was corrected and my account was placed in forbearance for the period noted, I believe the payments made during the forbearance should either be credited consecutively to the months following my forbearance period i.e. XX/XX/XXXX- XX/XX/XXXX or my forbearance period should be extended through XX/XX/XXXX. If this correction is not made, I will not have received the full 18 month forbearance that I am afforded under the Cares Act and provided pursuant to the letter I received from XXXX on or around XX/XX/XXXX.
In addition to this concern, my account still shows due for XX/XX/XXXX when I log in to my account on the website. Upon taking the requested actions, please also correct the way my account reflects on the website so I can see the true and accurate status of my account.
|
| 02/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Older American |
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This complaint concerns my Loan Modification with XXXX/Dovenmuehle that took 12 months to process, while impacting my credit report/rating. XX/XX/XXXX I had to quit my job, because of health reasons. In XX/XX/XXXX, I requested a modification of our 15 year mortgage loan, to be changed to a 30 year loan, with XXXX/Dovenmuehle, and on XX/XX/XXXX, I received a letter that my application was complete. An appraisal was done and my modification was approved XX/XX/XXXX. I was told to make 3 trial payments, XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I emailed my loan officer for an update, who told me he was working on the final paperwork. These responses from him went on for several months, until I started receiving calls from the collection dept. My loan officer then told me there was a title issue with my XXXX refinance, and I would have to go back through another process fast because XXXX was going to start the foreclosure process. There were no issues with my title and there was no reason the modification couldn't move forward, and I finally signed the new docs on XX/XX/XXXX. I received a number of letters from XXXX, stating they were looking into the late payments, and I have letters from them, stating they found issues and had sent paperwork to the credit bureaus to correct them.. As of XX/XX/XXXX, the errors are still on my credit report.
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I have been with my mortgage company, XXXX XXXX XXXXDovenmuehle for over two years with NEVER missing or having a late payment. My interest rate is fixed at 2.875 % and will mature on XXXX The reason for this compliant is that is there is an error with my escrow account. As I informed you, I have never missed a payment or been late But my escrow account is a mess. I did change insurance companies briefly in XXXX but went back to my initial insurance company, sent XXXX the escrow payment of {$940.00} in XX/XX/XXXX which out my escrow account where is should be. XXXXXXXX XXXX has gone up from {$750.00} to {$870.00} because they claim there is a escrow shortage based on a forecast of my home insurance that has NOT gone up nor have my State taxes gone up. My Insurance company Rep called and received the same run-around. I have been on the phone all week, and none of the staff there can fix the issue or explain their process of forecasting. They increase my mortgage WITHOUT receiving the new home insurance policy that begins in XX/XX/XXXX???? I was told by multiple staff that my mortgage will go up every year??? I can understand that if State taxes or Home insurance goes up, yes a small increase will take place but not {$170.00}. I need help with this issue. I work 2 jobs, a XXXX XXXX with a household of XXXX.
Thank you XXXX XXXX
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage company, Dovenmuehle mortgage placed an escrow of {$940.00} on my monthly mortgage payment. I've been paying {$2100.00} monthly with no problem. I pay my homeowners insurance and property taxes myself, so there is no need for Dovenmuehle to do so. When I saw it on XX/XX/XXXX, I let them know and submitted proof of insurance to their insurance department, and asked them to re-adjust my payment back to the original amount. They said they would take care of it. They have not.
I have called or emailed them repeatedly since then ( at least 7-8 times ), and have not had any resolution. They've said they would call me back, but no one has. I have gotten collection calls and emails from them, however.
I understand this is a difficult time, and we all need to be a bit patient. I'm very concerned, however, that they will send me to collections and foreclosure. I've never missed a payment, and I intend to continue with my payments as is. Unfortunately, Dovenmuehle is a misery to work with. I shouldn't have to pay for their negligence.
For the record I have reached out via email : - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 I have called approximately 12-15 times during that time as well.
Their collections department has called me once, and I have received a collections email from them on XX/XX/20
|
| 03/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Dovenmuehle Mortgage , Inc. failed to apply our mortgage payment for XX/XX/XXXX from the prior mortgage company that we paid in XX/XX/XXXX. The prior company already transferred all payments to Dovenmuehle before the transfer happened. We've been in contact with both the prior company and Dovenmuehle since XX/XX/XXXX and this issue is still not resolved. Dovenmuehle keeps sending debt collection calls on us when we've already made our payment on time ( back in XX/XX/XXXX for the XX/XX/XXXX payment ). We've made multiple phone calls to Dovenmuehle, trying to resolve the issue since XX/XX/XXXX and Dovenmuehle still has not applied our payment back to our account. It is now end of XX/XX/XXXX and our mortgage has already been sold to a third mortgage company as of XX/XX/XXXX. Now, the new mortgage company is saying we're late for our payment, because our first payment was never transferred from Dovenmuehle. We're very frustrated because we did our part to make our payment on-time in XX/XX/XXXX for the XX/XX/XXXX payment after our house was refinanced to the first bank. Just because our loan was being transferred to Dovenmuehle, Dovenmuehle somehow failed to take the payment and applied to our monthly mortgage payment. It is sitting in their suspense account and none of the people we talked to was able to do anything about it.
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I entered into Dovenmuehles forbearance process in XXXX. I was told that there would be no penalties and that payment would be deferred to the back of my loan. They told me my mortgage would go from 30 years to 30 years and 3 months.
The loss mitigation time was supposed to be for XXXX, XXXX, and XX/XX/XXXX only. Dovenmuehle extended the forbearance through XX/XX/XXXX without my consent. I attempted to get out of forbearance without success. I could not make payments online. I had to call their loss mitigation department and they charged additional fees for my bill. After the 6 months was over I had called Dovenmuehle multiple times. They told me I just needed to wait. I made 3 payment a of {$1800.00}.
I filed a complaint with the XXXX XXXX XXXX and Dovenmuehle finally moved me out of loss mitigation. Dovenmuehle stated I only needed to sign paperwork and send it back to them. I received two documents from Dovenmuehle both stating I was being removed from forbearance. Yet neither of these documents had anything for me to sign or return to them.
I sold my house and close on it tomorrow XX/XX/XXXX. Today XX/XX/XXXX I found out that Dovenmuehle put a lien on my house for {$13000.00}.
I bought my house for {$220000.00} and I currently owe {$220000.00}. However, my closing statement with the lien was for {$230000.00}.
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| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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I have been trying to work with Dovenmuehle Mortgage to complete a loan modification related to COVID-19. I have been actively trying to resolve this issue and bring my loan into good standing since XX/XX/XXXX.
I have receive completely contradictory information, lack of response and incorrect information from Dovenmuehle Mortgage.
Without my knowledge or approval Dovenmuehle entered me into a Payment Deferral Agreement that I can't afford nor did I agree to.
I've submitted a Qualified Written Dispute to Dovenmuehle to the e-mail address one of their employees provided. That request was sent on XX/XX/XXXX, I have not received a response or confirmation of receipt as of XX/XX/XXXX.
On every call I asked to speak to a manager who can actually provide clear answers and updates and I've been denied each time. I've had one employee hang up on me and others disconnect the line because I've advised I will hold as long as I need to speak to the 'Specialist ' Dovenmuehle indicated is assigned to our loan.
The standard response from representatives of Dovenmuehle 's Loss Mitigation department is they can't speak to prior conversations or discuss why a co-worker provide information that conflicts with the information they are providing.
It is extremely frustrating that a company is allowed to operate in this manner.
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| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XXXX XXXX While going through a refinance process with another lender, we were made aware that the legal description in our current mortgage- Dovenmuehle paperwork is incorrect. The legal description and parcel # linked to our mortgage documents do not pertain to our property at all. This incorrect legal description is filed with our county courthouse. Until this legal description is corrected, we are unable to refinance our home with any other mortgage company.
XXXX XXXX A certified letter and documents outlining correction to be made was sent to mortgage company. A representative for the special loans department called and assured the error would corrected immediately.
XXXX XXXX XXXX Multiple phone calls were made with no answer, left voicemails, with no return calls. The calls that were answered were operators that directed me to the special loans department. This is the only department that can " help me '' but they are always unavailable or closed.
XXXX XXXX Sent an email to Dovenmeuhle special loans email address given requesting a return call and update on correction process. Still no answer.
I am unable to EVER refinance my home or sell my home until that legal description is corrected. Per the other mortgage company, no company will ever approve a new loan until the legal description is correct.
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| 05/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Servicemember |
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To Whom It May Concern, I currently have a VA Loan with XXXX XXXX XXXX being serviced by Dovenmuehle Mortgage , Inc. For the last seven months, I have attempted to reach out and request numerous updated Escrow Analyses to be reperformed on my VA loan. Every time I talk to a representative for an explanation, they tell me they didn't receive my request or my re-request for an updated escrow analysis and re-submit a new one. However, every month I get another letter stating that they reviewed by Escrow Account and made the necessary adjustments and/or that they thought the Escrow Account was analyzed correctly. However, when I call back and speak to a Representative and explain the support I provided, they agree with me and re-submit my account for a reperformance. I have attempted to do this many many times and I feel that they are not listening or do not care. However, I am sure I am not the only person who is going through this and being previously in the Loan Servicing Company. I feel Dovenmuehle does not appropriately or accurately assess Escrow Accounts and I am sure I am not the only borrower they have done this too. I would like someone from the CFPB to look into this. In addition, I will be reaching out to my VA Representative to see what steps I can take to have another Mortgage Loan Service Provider.
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| 04/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Closed on my home on XXXX XX/XX/2021 and paid at closing all the property taxes for the next year since they were due in XXXX. Then in XXXX received a notice from the county that the taxes had not been paid. Called the mortgage servicing company Dovenmuehle the servicer for XXXX Mortgage and they had not made any attempt to pay the taxes and appeared unconcerned that they were delinquent. I have had multiple conversations with them concerning this and can not get any of their representatives to take action to pay my taxes. I have talked to 3 supervisors and 4 different customer service reps and each time I have to give them the entire story over again and none of them take any action. They also tell me that it is going to be another 2 weeks each time and nothing has happened. At the last calling they supposedly turned it over to an expeditor, but the person will not give us any status except it has been sent to another office. I contacted the county, and they are now assessing delinquency fees and will start foreclosure in XXXX if not paid. Dovenmuehle has been unresponsive and appears to keep bad records of customer contacts. The clear message to me has been they are not really concerned that my credit rating may suffer by their incompetence, lots of fees are building, and my house could go to foreclosure.
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| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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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.
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| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Previous complaint number XXXX Dovenmuehle Mortgage has reported to the credit bureaus a Major Derogatory again for the month of XX/XX/XXXX. According to the Coronavirus Aid Relief and Economic Security ( CARES ) Act if my loan was current prior to the forbearance the loan will report current. My loan was in fact current and had been since its inception. This is unacceptable!
As a good faith effort on my part I paid my payment for the Month of XX/XX/XXXX on XX/XX/XXXX because their prior excuse for this was that I was making payments later than the XXXX of the month ( but before it was actually late, so prior to the XXXX of any month ), and that was complicating my " status '' in their system to show me as 19 months overdue. An excuse I find totally unacceptable.
As stated in my original complaint I have been requesting deferral paperwork to rectify my loan since I resumed payments in XXXX of XXXX. So for 11 months Dovenmuehle Mortgage has been who is delinquent not me.
At this point their actions are affecting how other companies view my credit as one company has already lowered my credit with them to reduce my ability to run my business from that card as I have done when needed in the past. I am forced at this point to explore my legal options because of the careless actions of Dovenmuehle Mortgage.
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| 05/31/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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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!
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| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Dovenmuehle Mortagage, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Il XXXX. On XX/XX/20, I called this company to make a principal payment on our mortgage loan. I was instructed to put in writing a letter requesting to recast the mortgage, attn : special loans number ( our loan # ). On XX/XX/20. the " research '' dept. acknowledged my request. I have called the company on XX/XX/20 and XX/XX/20 requesting the status of determination to my request. I was told, I couldn't talk to anyone, because they didn't even know the name of the person handling my request because their staff was working from home. They also informed me my loan was being sold to another company XX/XX/20. It has been over a month, no written response, no accountability, no customer service, the response being a non- response. What business operates in such a wreck-less, evasive, secretive manner. I turned to the XXXX-IL, there are 208 complaints re : Dovenmuehle, so that tells me this company is not operating above board in an efficient, responsible manner, with very disturbing customer relations. I want my request in writing pronto. All they have to do is plug in some numbers, then instruct me where/what department to send my check. Why, is this so hard? This company was assigned to us, by another mortgage company, we didn't chose them!!
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| 11/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator.
I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.
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| 05/12/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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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!
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My complain is in regard to my previous complaint with DOVENMUEH/XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.
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| 01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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Below is what I have sent to numerous customer service research emails for Dovenmuehle.
I am writing because XXXXXXXX XXXX, Dovenmuehle and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XXXX of XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX.
I have been working/waiting for Dovenmuehle to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.
|
| 07/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I originated this loan in XX/XX/XXXX as my primary residence. Since then, I have repeatedly told Dovenmuehle that my mailing address should be the same as my property address. I purchased this home as my primary residence and sold the other home I was living in during XX/XX/XXXX. As you can imagine, that means I moved out of my old house and into my new house, which is the subject property.
I have no connection to the home I sold but the company has consistently refused to updated my mailing address. Each time I call in, they tell me that it's their policy that they must receive a signed request from both borrowers to update the mailing address. I have explained to them each time that I will not be doing so, this is not an update but a correction. There has been no change in my mailing address since I originated this loan. It's their responsibility to correct the error that they made when they set up my loan with the wrong mailing address. They just keep quoting policy and will not see reason.
I spoke to a representative named XXXX today XX/XX/XXXX and a supervisor who told me they were unwilling and unable to help me. I explained that I would be submitting a complaint if they did not try to help me, and they still had the same unhelpful and uninterested attitude about the whole situation.
|
| 05/05/2017 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
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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 .
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I attempted to pay my XXXX mortgage payment on the Dovenmuehle website as I have always done. I received a message that I was unable to complete my payment at that time. After several attempts with the same error message. Dovenmuehle does not accept phone calls. I reached out to Dovenmuehle on XX/XX/XXXX on their secure message center regarding the situation. As of today XX/XX/XXXX, my message has not been answered.
My concern was that I was unknowingly placed in a forbearance status after simply inquiring about it. I did not sign the agreement received in the mail because the wording was ambiguous to say the least and I was unable to reach anyone by phone for clarification.
A check of my credit report shows my mortgage balance increased, which has impacted my credit score. Finally, I received a letter today notifying me that my mortgage is being transferred to another bank after it acquired my loan from the original bank I refinanced through.
I want answers to the questions raised and have yet to be answered. Why was my account blocked from making online payments when this is the only payment method Ive used? Was my mortgage placed in a forbearance status without my consent, and despite not missing any payments? Why was inaccurate balance information reported to the credit bureau?
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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On XX/XX/XXXX, I received an Escrow Statement from my mortgage servicer, Dovenmuehle, about an escrow refund due on our loan with them. The statement was a one page document with an image of the refund check in the amount of {$610.00}. On XX/XX/XXXX, another Escrow Statement was generated, this being my most recent Escrow Analysis. The Analysis said that the escrow refund would either be included in that statement, which it was not- we received the paper copy of the Escrow Analysis weeks ago, or it would be mailed to me within 30 days.
More than 30 days have passed and I still have not received the escrow refund check. We have since moved and have a mail forward in place. I have also changed the mailing address on our mortgage account with Dovenmuehle. I use Informed Delivery with USPS so I can see mail that is coming and there has been no mailing from Dovenmuehle other than the Escrow Analysis statement. Clearly, our refund check was generated back in XXXX because the document has the check number on it. I called their customer service line on XX/XX/XXXX and was told to " just wait longer. '' Dovenmuehle debited our escrow account on XX/XX/XXXX for the amount of the refund like we have already cashed the check. Where is my money? Why has our escrow refund not been mailed to us yet?!
|
| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I received a letter back in XXXX stating that I had an escrow shortage of about {$1500.00}. Dovenmuehle stated that my mortgage payment would be increasing to cover the deficit. The year before ( 2019 ) I received a letter stating that I had an overage for the same amount. I did not receive a refund and when I asked Dovenmuehle about that they said that those overage funds wouldn't be given to me because I am in a chapter XXXX payment plan. I let it go at that point. I asked back in XXXX why my escrow has a shortage and why can't the overage funds be applied to the deficit? Why did I have an overage in the first place? I have called Dovenmuehle multiple times and also have sent emails along with a letter from my bankruptcy attorney and nothing. I have been promised a call back from and XXXX, XXXX XXXX ( sp ) whom is a supervisor and I still haven't heard anything and I sent an email to the research department that I received a receipt for but no response. I know by law they are to respond within 30 business days. It has been well over 90 business days at this point. I would like this matter resolved and my mortgage payment adjusted to the right amount. If they could audit my whole account including my payments from my trustee to make sure that they are properly being applied as well.
|
| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}.
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check.
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs.
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle.
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim.
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?
|
| 07/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX Tax Department that I was delinquent on my property tax and my home would go to tax sale on XX/XX/XXXX if not paid. I immediately notified the mortgage company, both through emails and phone calls, with limited response. It took until XX/XX/XXXX ( XXXX and XXXX were weekend days, so this was the last possible day ) for them to pay the tax bill, and that was only due to my repeated contact attempts.
It told to me in writing multiple times that I would not be responsible for the {$490.00} late penalty paid to XXXX XXXX for the late tax payment, as I myself never had a late payment to the mortgage company. However, they passed my mortgage on to XXXX right around this time, and requested the full reimbursement for the tax payment from XXXX - including the late penalty - which was paid from my escrow.
The reason I am realizing this now is because as the result of an escrow analysis, I now have a mortgage that is {$1000.00} more a month than it was previously for the next year. This is not because of an increase in home insurance or property tax, this is because of a wrong miscalculation by the mortgage company.
Details : Loan number XXXX, at Dovenmuehle Mortgage ( this mortgage was passed on to XXXX in XX/XX/2021 ).
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| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I have been constantly dealing with my mortgage company on a misapplied payment that took place in XX/XX/XXXX. Needless to say I have been calling constantly, and have been passed off to several departments and individuals. Each time I finally get an individual, they promise they will follow my issue to resolution. Needless to say, this has not happen, being the last and most current person I started communicatimg with in late XX/XX/XXXX. Still no resolution!
During the time since XXXX working on a misapplied payment, they verbally admitted to me that my Homeowners Insurance was cancelled in error by the company. This was confirmed from the agent I'm working with now. He admitted to this error after listening to recorded telephone calls. He assured me he would resolve this issue, along with the missing payments.
I have received numerous promises for call backs, even given specific dates and times he would call. Last promise date was last week, my last call was Friday XX/XX/XXXX, the CS agent stated she would contact him my email for a return call to me since he was put of the office, again no call back to date. In addition, I have sent WQR, and the have not received responses as back to me legal time frame. Please assist me in getting these issues resolved.
Thank you!
|
| 01/02/2023 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/2022 I called XXXXXXXX XXXX after receiving a delinquent notice in the mail which included {$240.00} in late fees. The customer service representative indicated the late fees incurred were from mortgage payments received in XXXX, XXXX and after reviewing my statement possibly XXXX and XXXX due to the date falling on a weekend or maybe their online system doesn't take into account Pacific Time Zone? I informed the representative that I have a FHA loan which allows me to pay my mortgage up through the XXXX without incurring late fees and when paying my mortgage online on the XXXX of each month the website states that the effective date is the date the mortgage is paid because it can take the bank up to XXXX business days before the payment is posted. I also pointed out that on XX/XX/XXXX, I paid my mortgage online utilizing the bank 's XXXX party vendor option which cost an add'l {$9.00} fee to make sure the payment was processed on time. The representative informed me that I had to submit a dispute in writing to XXXX. I submitted a complaint via email on XX/XX/XXXX, received a notice of receiving the complaint in mid XXXX and still there has been no resolution to date. I have not received anything in writing pertaining to the results of XXXX 's investigation.
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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I was notified by the XXXX County Tax Assessor-Collector that Dovenmuehle our mortgage co. failed to pay the following expenses from my escrow account : XXXX Property taxes of {$7700.00} ; now {$8300.00} because they are past due.
I emailed XXXX XXXX XXXX ( attention tax department ) and attached the bill on XX/XX/XXXX when the matter 1st came to my attention. I also called Dovenmuehle re : the unpaid taxes on XX/XX/XXXX. I called again on XX/XX/XXXX and the representative told me the matter was to be resolved by XX/XX/XXXX. I called again on XX/XX/XXXX and spoke to XXXX because the taxes were still outstanding per the HCAD website. XXXX said the matter should have been resolved in 10 business days. I followed up again on XX/XX/XXXX as the HCAD website still showed the taxes unpaid, so I again called Dovenmuehle and sent another email to XXXX XXXX XXXX ( attention Tax and Escrow Departments ). It has been more than 30 BUSINESS days since I first contacted Dovenmuehle re : the unpaid XXXX taxes. I again called and emailed XXXX as well XXXX ( attention XXXX, Taxes and Escrow ) on XX/XX/XXXX because the taxes are still unpaid and Dovenmuehle has yet to provide any reasonable explanation for the delay. I also had an online chat with XXXX re : the matter on XX/XX/XXXX.
|
| 07/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Our home loan has been with XXXX XXXX XXXX for a few years. In XXXX of this year, servicing was transferred to Dovenmuehle Mortgage , Inc ( MDI ). However, XXXX XXXX XXXX claimed that we missed a payment so the loan was transferred over as being 1 month late. I have several letters and e-mails from XXXX XXXX XXXX showing where they made the mistake. However, MDI have yet to make the correction in their records and continue to call and send letters threatening collection. I have a letter included in this complaint from the VP, Senior Compliance Officer XXXX XXXX from XXXX XXXX XXXX acknowledging the error and explaining how it is being corrected. I was told that I could expect MDI 's systems to reflect the corrections by XX/XX/XXXX. XX/XX/XXXX has come and gone and the only thing I have is a note from my in laws saying that the collections department of MDI called them to ask for the overdue payment.
This is a follow on from the complaint I filed about the XXXX XXXX XXXX : Complaint filed with the CFPB ( Ref No. XXXX ) which detailed the mistakes XXXX XXXX XXXX made in applying my payments and the lack of ability of their customer service team, save XXXX XXXX who has been great, to make the corrections since the issue was first noticed back in late XXXX of 2021.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XX/XX/XXXX, my Mortgage Company ( Dovenmuehle Mortgage, Inc / XXXX XXXXXXXX XXXX ) and I entered negotiations for a loan modification due to a family hardship that caused us to become late on our XX/XX/XXXX and XX/XX/XXXX payments. The terms of the agreement were finalized in XX/XX/XXXX and agreed to by both parties and the new terms would have a 3 Month trial period ( XXXX, XXXX and XXXX of XXXX ) we completed the terms as stated in the contract ( attached ). It clearly states on pages 11 and 12 that the agreement that my right to appeal ends on XX/XX/XXXX and we did not choose to appeal therefore per the details of page 12, we should not have any additional late payments beyond XXXX as we made the payments of the agreement early or on time for XXXX, XXXX and XXXX. The trial period was completed and the official modification took effect in XX/XX/XXXX and we made that payment and all future payments on time until we sold our house in XXXX of XXXX. I am submitting supporting documentation showing the payments made and clearing our bank account, the trial period agreement, and the terms and conditions of the modification and need the late payments reflected on my credit report for XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX be removed immediately from my credit report.
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| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, CFPB, I was recently afforded an a loan modification through Dovenmuehle who is the servicer on my home loan and its owned by XXXX XXXX . I successfully completed a 3 month trial modification XXXX XXXX XXXX paying {$3200.00} for three months and with the understanding that if completed, l will then receive a lower affordable monthly payment. I received a package in the mail on approximately XX/XX/2023 with agreement and terms of the new payment however the documents have a date of XX/XX/XXXX and Dovenmuehle is asking for a payment of {$6000.00} for XXXX & XXXX and once received my new payment will be {$2900.00}. This payment must be received in their office by XX/XX/XXXX and must signed by a notary public in order for the new terms to be accepted. I believe l was blindsided by this and was not made aware of this type of payment which doubled and l dont have. I made several attempts to speak the specialist in their loss mitigations department but have been told they dont speak with any homeowners and the terms are not kept, they will move forward with foreclosing on my home. This is not how a mortgage company should operate and this wrong. Im respectfully asking for CFPB to assist me with this matter in hopes of stopping my home from foreclosure.
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| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. After repeated attempts via correspondence, phone calls, and a visit to the original " mortgage '' lender, I have not received a mortgage statement since XX/XX/XXXX.
2. In viewing my mortgage " on line '', they use a term that is without explanation and for which I can not find an explanation, " advance reversal ''. I have a straight mortgage, not a " reverse mortgage ''.
3. In all correspondence with me, the company states, " we are reviewing your mortgage and will have an answer for you within 15 days, or what ever the law allows. '' 4. When I went in to the actual mortgage provider, under duress, that person called the servicing company, and the person she talked to stated that they would provide the mortgage statement for XX/XX/XXXX ( this was the end of XX/XX/XXXX ) within 3 business days. I still have nothing.
5. Then, I received a phone call from someone at the servicing company. I said : just send me an up to date mortgage statement with the coupon for XX/XX/XXXX. This was on XX/XX/XXXX and I had already made, and the payment had arrived, for XX/XX/XXXX. Last Friday, XX/XX/XXXX, I received yet another letter stating that they were looking in to the problem and that they would provide an answer within 15 days, or as long as the law allows.
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| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.
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| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We paid off our mortgage and moved to a different house. The Lender failed to update my new mailing address and mailed my escrow refund, which was around XXXX dollars, to my old address. On XX/XX/XXXX, after not having received the check, I called the vendor and they confirmed they had the mailed the check to the old address and would reissue the check on XX/XX/XXXX allowing for XXXX business days before they can re-issue. I updated the address on this call. After not receiving the check by XX/XX/XXXX, I sent an email to find out where it was. I was told to call customer service. On XX/XX/XXXX, I called customer service and was told the check that was issued on XX/XX/XXXX was ALSO sent to the old address. I confirmed that they did this, even though my new address was on file. I was then told I would have to wait another 30 days for the check to be re-issued. This is a fraudulent attempt to keep the money and hope I get wore down while they earn interest on the money. I forwarded my mail a week before we even moved, and I have received other mail from this company, such as escrow analysis, etc.. I am confident that they have not even mailed ANY checks, otherwise it would have been auto-forwarded to my new address like the other things they have sent me.
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| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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In XXXX, I was laid off from my job and a few months later our home was destroyed in the California wildfires. After an initial denial by the servicer, we were granted forbearance, and when the forbearance ended in XXXX we were given a modified mortgage with no change in the rate. However, the company imposed an escrow for taxes.
Because I had never had an escrow requirement in any previous mortgage, I requested that the escrow requirement be removed from the modified mortgage, but the request was denied, both at the time of the modification In XX/XX/XXXX and again this year, even though I had already paid the taxes for the year. The stated reason for the recent denial is that " Your mortgage has been modified. '' Incidentally, the same company had reported to the credit agencies that the mortgage was " delinquent '' at the time the forbearance was granted. After I provided evidence that it was not delinquent, they finally had to correct this with the credit agencies and our credit ratings immediately went up nearly XXXX points.
Now, they insist on continuing to collect the escrow, even though the taxes have been paid in full. I believe this denial is arbitrary and perhaps punitive for the fact that I forced them to correct the credit record.
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| 04/04/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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after purchasing my home, I lost my job due to COVID in XX/XX/XXXX. I then encountered XXXX XXXX so I called my mortgage company asking for assistance, XX/XX/XXXX. They instructed me that I will need to complete a full loss mitigation application. I started the process and completed the required documentation. Later I received a denial because too much time had past and my documentation submitted was outdated. XX/XX/XXXX. I re-submitted and was asking to provide additional documentation and letter of explanation for all deposits to my account. I provided that. I received a letter of denial because application was incomplete. XX/XX/XXXX.
I called asking for details on application and what was needed. The request was re-opened and additional documentation was provided. XX/XX/XXXX. I was then asked to provide statements for my daughter 's, a dependent, checking account. I uploaded her statements. In XX/XX/XXXX, I received a letter that my mortgage was in foreclosure.
I have called 22 times in the month of XXXX, and 3 in the month of XXXX.
I have learned that because my hardship was due to COVID, I should not have had to go thru this entire process. It could have been streamlined. I have requested forbearance under the Federal CARES Act on XXXX.
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| 06/23/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I refinanced my mortgage with XXXX XXXX XXXX in XXXX. The first payment was due XX/XX/2021. The closing document provided payment coupons with the following information on them : Pay To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount : {$1200.00} Loan # : XXXX On XX/XX/2021, I used my bank 's bill pay and sent a paper check for {$1200.00} to the above address and loan number. The check was cashed and posted on XX/XX/2021, to the following bank account : Account # : XXXX Routing # : XXXX Shortly after sending my first payment, I received a notice that my bank transferred my loan to XXXX Dovenmuehle Mortgage Incorporated ( DMI ). With that notice, I also received a new loan number and mailing address.
The XXXX payment that was sent to XXXX was never transferred to DMI. I have provided DMI 's research department a copy of the paper check that includes the account and routing number that the check was deposited in.
XXXX 's payment still has not been credited to my account and I am continuously receiving calls from DMI stating that they are trying to collect a debt for the missing payment. In addition, they are charging a late fee and stated that the missing payment can be reported to the credit agencies.
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| 09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was unemployed due to COVID XX/XX/2020.
On XX/XX/XXXX, I asked XXXX XXXX XXXXDOVENMUEHLE for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX.
I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX/DOVENMUEHLE to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC.
They have charged late payments XXXX XXXX XXXX and XXXX.
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late.
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late XXXX months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped.
I have called over and over and no one will correct this issue.
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| 03/10/2021 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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In XXXX of XXXX I received a letter from the bank that issued the mortgage loan in XXXX. The letter stated that funds of {$1400.00} have been held by the original servicing company of the loan Dovenmuehle Mortgage due to over escrow of the loan. The funds have been held by Dovenmuehle since XXXX, they never issued a check or any type of attempted to reimburse me of my funds. The loan was switched to a different servicers after the first year of the mortgage origination, so they have held my money since XXXX. I contacted Dovenmuehle many times after receiving this letter in XXXX of XXXX, in an attempt to recoup my money. I have spoken with many representatives and supervisors and they all acknowledged that they funds are owed to me but no issue of my funds are sent. I will be told that a check will arrive in a week or two by no check ever shows. Or that they are expediting the payment or they will contact me back but they never contact me. I always have to call them and explain the whole situation to a new representative or supervisor. I have spent many hours trying to get this issue resolved but have had no success since starting this in XX/XX/XXXX. I do not know why but they are refusing to give me my money that they have held since XXXX.
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| 10/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Back in XXXX I contacted Dovenmuehle Mortgage to inquire about their forbearance options. after consideration, i declined however they placed my loan into forbearance based on my inquiry alone and ceased accepting automatic payments without my knowledge or consent.
Thereafter my loan was reported as delinquent to the credit bureaus witch has resulted in lowering of my credit score significantly.
When i contacted them in XXXX, i was told there was a system issue and they will not charge me any late fess, however they " accidentally '' reported me to the credit bureaus as late. They were going to fix it right away, however i did not see a change in the credit score for over 3 months. I called again in XXXX to inquire about them fixing my credit score only to find out that they placed my loan into forbearance again, stopped my automated payments and charged me a late fee, and could not explain why i was charged a late fee if i was enrolled in forbearance.
Also, when i asked about the fixing of the reported information to credit bureaus, i was told they are short people and do not have an estimated time when it will be fixed.
We are in the process of selling the house and are unable to purchase another one due to the low credit score.
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| 08/27/2020 |
Yes |
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- Trouble during payment process
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|
Web |
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I filed for Bankruptcy in XX/XX/2020 and noticed that I was unable to access my loan information online specifically to make payments. I called and was told by the lender that I had to call and make my payments because of my bankruptcy status. Dovenmuehle has denied access to my mortgage information on their website. ( see attachment ) - I can not see any of my loan information, i.e. taxes, amortization schedule, fees etc.
My bankruptcy was completed and discharged as of XX/XX/2020. I thought I would be able to have my online access returned after my discharge, however I was told I wouldn't be able to have this any longer for the term of my loan. When I called in XX/XX/2020 to inquire as to why I can not access my information online, I was told that I did not submit a re-afirmation agreement form during my bankruptcy. However, I was told by my lawyer that upon notification of my bankruptcy, the lender should have provided the this form.
When called today, XX/XX/2020 - I was directed to the collection department. I was then told that I could submit a request in writing to the Research Department to see if there was any way to resolve this issue. I have sent an email and waiting for a response which they said would take up to 60 days.
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| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I refinanced with XXXX XXXX ( Residential Mortgage Lender ) .There have XXXX policies issued due to failures to pay that resulted in lapsed and eventual cancelled home owners insurance policies. At the time of my refinance with XXXX XXXX I had been insured with XXXX XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. My policy was cancelled with XXXX because XXXX XXXX failed to pay it. This is the first policy cancellation. I called and spoke with an agent at XXXX XXXX XXXX XXXX XXXX. I was told there was nothing to be done because they had received the invoice late. I called my home owner insurance agent and began a new policy with XXXX insurance beginning in XXXX of XXXX. This policy was cancelled for non payment in XXXX of XXXX. This is the second policy cancellation. The same scenario occurred when I reached out to XXXX XXXX to try to resolve the problem. I was told the invoice was received late but when I spoke with XXXX and my insurance agent, both informed me that invoices were sent in XXXX, XXXX and a final cancellation notice in XX/XX/XXXX.
I now have a new home owners insurance policy with XXXX insurance. This is my third home owners policy in XXXX years caused by non-payment from XXXX XXXX XXXX XXXX Mortgage.
|
| 08/11/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
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I was given a house modification, supposedly, but after the processing, the mortgage payment was not abated nor was the interest of the loan of 6.25 % lowered. After the government 's moritorium to help homeowners during the pandemic, the mortgage payment was given to me to be {$1400.00} or so each month. I never missed a payment, even while the company was supposed to help with a modification.. The house payment was not lessened as I thought it would be. Just a few months ago, 2 months, I received notice that the house payment beginning in XX/XX/XXXX, would be increased to almost XXXX per month!!!! This company has not helped me. Further, when I called a representative of the company whose name I wrote down, to keep the present payment as and allow me to pay for taxes myself to keep the payment as it. I asked why the monthly payment was raised, also, and was told that there was an escrow deficient PLUS higher taxes ... .all causing the nearly XXXX monthly house payment to rise from XXXX!!! I had tried to try refinancing JUST BEFORE THE LETTER CAME ABOUT THE INCREASE I XXXX. Strange to me. If I am not correct about the situations about this lender 's actions, I need to see that in writing but.. if I am the victim, here, help me!
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| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Dovenmuehle is the biggest joke of a mortgage servicer that I personally have dealt with in all my 20 yrs of buying homes. Had a recent escrow analysis on XX/XX/20 and they claim I have a homeowners policy for XXXX and a separate hazard policy for XXXX. The fact is I only have one homeowners policy that includes hazard for XXXX. Because of this mistake they are raising my mortgage payments to over XXXX! They want this payment starting XX/XX/20. I have called multiple times to get this corrected and being told they have never seen an error like this, and it should be fixed in the next couple of days. Of course this horrible company still hasnt corrected it. On the phone now yet again with the ins. rep about there error, she started arguing about me being in the wrong, then realized it was their error, and immediately placed me on hold for now 15min. I doubt anything will get resolved today based on my history with them and their several errors with my insurance policy! This isnt the first complaint.. Im finding the only resolution is by publicly blasting this horrible excuse of a company. They are criminals and have so many complaints with similar issues. I am a realtor and will continue to warn all my clients about this company.
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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On XX/XX/2020 I submitted a request via email to Dovenmuehle because forbearance had been in accurately reported on my mortgage loan and my credit report. I followed up with Dovenmuehle on XX/XX/2020 with 3 phone calls and I was told my issue would be resolved within 10 business days. During one of my calls that days I requested information on how my loan was put into forbearance status without my knowledge or consent and what actions I needed to take to ensure this was resolved. I was not given any information but I was advised a supervisor would look at my case and call me back within 2 business days and I never received a call back. I called again XX/XX/XXXX and was told the same information once again. Again after waiting 2 days I never received a call back. I then placed another call and I was told Dovenmuehle mailed out documents to me and the week before and to wait to receive the documents. The mail I received from Dovenmuehle stated they were researching my issue. I've continued to call Dovenmuehle several times a week and in some cases several times a day and it has now been over 90 days with no resolve. I have received 2 letters stating they are researching my issue but I have yet to see any follow up or correction.
|
| 10/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have made several payments in addition to my regular monthly payments. I have never missed or been late for a payment and have actually paid ahead of the amortization schedule.
Each time I make an additional payment, even notating it as pay down on principle, the company, Dovenmuehle mortgage company, holds the payment in limbo until they receive what they deem to be a full payment. They do not credit the money to my account on the day they receive it, but instead wait until other payments come in that total up to or exceed a monthly payment total. For instance in XXXX I made two additional principle payments of XXXX and XXXX dollars. The last of these was made on XX/XX/XXXX. As of today it has never been credited to my account. I called them last Tuesday XX/XX/XXXX to ask why this was so. They said it is their policy to NOT credit anything until another full payment amount is received. I asked specifically that they credit the XXXX dollars to principle and do it as of the date they received the money ( XX/XX/XXXX ) they said they would have to clear that with a supervisor and it would take at least 5 days and they doubted they could back date the payment. This seems a violation of many laws and truth in lending practices.
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
going on three years now, this mortgage loan servicing scam and predatory lenders have tryed every trick on the book to default us, steal our property and foreclose on us.we have never missed a mortgage payment, we never missed paying our insurance directly to XXXX, and we have always pay our property taxes directly to the county as well. despite all this, they have opened escrow accounts for fictitious tax payment and insurance payments too others and have tryed to increase our mortgage payments by double digits. they have also misplaced our mortgage payments and applyed them in to suspense accounts and not the mortgage account and maliciously reported the payments late month after month in order to build a fictious case of foreclosure and make false claims that we are late and they have sent us thousands of dollars and paid tens of thousands of dollars in property taxes, which is all false and your offices continued beliving these crooks.now they conitnue with there criminal actions, if your office dont do anything to protect us consumers from these predators. what good are you for? and should then we take the matters in to our own hands and justice? we have never missed any payments. and they continue saying that we did.
|
| 10/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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Sir/ Madam I am XXXX XXXX , had a mortgage with Dovenmuehle Mortgage Inc , loan no is XXXX. I refinanced my mortgage with another lender and closed Dovenmuehle 's mortgage on XX/XX/2019 as per their pay-off letter which is attached with this complaints.
My new lender paid {$500000.00} on XX/XX/2019 as per payoff letter for principal and interest on remaining days.
But after the closing, they over charged unethically against my escrow balance. These are the charges.
1. Mbs pool settlement charge as {$1000.00} on XX/XX/2019 ( It is not mentioned in payoff letter ) 2. Mip/pmi mortgage insurance as {$360.00} on XX/XX/2019 ( PMI for 2 months ).
They already paid one month PMI insurance on XX/XX/2019 as {$180.00}. Please see the attached loan activity statement.
They took unlawfully {$1400.00} from me, it is not an ethical and professional actions from Dovenmuehle Mortgage Inc to very good standing customer such as me.
My loan originating date with Dovenmuehle Mortgage Inc is XXXX.
Please kindly take necessary action to Dovenmuehle Mortgage Inc for refunding {$1400.00}.
Yours Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Attachments 1. Payoff Letter from Dovenmuehle Mortgage Inc 2. Loan Statement
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I sold a home in XXXX, GA on XX/XX/2020. I am owed {$3800.00} in escrow from the sale of this house from Dovenmuehle Mortgage , Inc . The load was serviced through XXXX XXXX XXXX. The property address of the home that I sold is : I did co-own the home with another owner, but I am the only one due the escrow payment since I was the one who put the down payment on the house. Neither one of us has received any payment from the mortgage company.
I have called both XXXX XXXX and Dovenmuehle Mortgage Company numerous times inquiring about the escrow payment. Every time I contact them, I am told that the check was sent to the address of the property I had sold. I understand that, however, it was never forwarded to my new address and I have not received it. I am not sure why they would send a check to a house I just sold, which makes me question if it was ever sent at all. I have also heard a lot of excuses for the non-payment. Then again, I have also been promised many times that the check would be sent to my current address. I have even been given dates to expect the delivery of it. All of this to no avail. This issue is not only frustrating, but the mortgage company has a legal obligation to ensure I receive my escrow money.
|
| 11/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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4th request, XXXX XXXX XXXX or now called Dovenmuehle Mortgage, has been asked numerous times to fix my XXXX credit report and make it consistent with the other XXXX credit agencies. They fix it, then they change it, and again they 've done one more time ... .I do n't like the vindictive games they play. These games have forced me to unfairly pay real money for a higher rate on my new mortgage. I 've asked them 50 plus times to fixed this, most recently, on XXXX/XXXX/XXXX, I asked that they once again remove the FLASE sentence " Settled - Less than full balance. '' I 've been dealing with this since the closing back in XXXX ... Now almost two years later they still are power play games with the information. You helped to finally make progress on the matter, but they still have not taken your words seriously enough. I am submitting another request because they now have once again made the credit report worse by wrongly adding in late payments as illustrated in my XXXX/XXXX/XXXX XXXX Credit Report, which is now worse than the report on XXXX/XXXX/XXXX. I do n't want to force the issue of fines and penalties ' on XXXX but sincerely they 've cost me real money by the not taking the matter of correcting my report seriously.
|
| 04/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account.
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.
|
| 11/28/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
After several calls to Customer Services Representative on Tuesday XX/XX/XXXX sent the here included text to this company : PLEASE, Please read the letter here included that you sent to me from your Research Department.
1. I have make all payments since XX/XX/2021 as my Bank Statement ( here included ) showed. Your Research Department letter also mentioned that since XXXX there are no payment missing.
2. On XXXX you reduced from my XX/XX/2021 payment of {$2000.00} the amount of $ 990.11and applied it to the XXXX incorrect bill of {$3000.00}.
XXXX. Reason was the XXXX payment was raised to {$3000.00} due to the escrow analysis. That payment that XXXX make to the XXXX XXXX XXXX XXXX office for {$3100.00}. That amount was reimbursed to XXXX by XXXX on XX/XX/2021 as your letter mentioned and files showed.
4. XXXX billing never adjusted the XXXX bill to the real amount of XXXX. Then releasing the {$990.00} that will need to be reverted to the XX/XX/2021 payment of {$2000.00}.
5. That amount of {$990.00} will offset the amount of {$960.00} that your letter stated that I ought for XX/XX/2021.
6. Hopefully this time someone can made the correct things and fix this issue.
Thank you and blessings!
XXXX XXXX!
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| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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This is the second time in three years Dovenmuehle Mortgage is threatening to buy additional flood insurance on my condo and charge me. I have twice sent them the association flood policy on the building which is at full replacement cost which includes my unit, yet I got a second notice from them last week. As with two years ago when they bought a policy in my name and then cancelled I had to complain to get them to back off. The replacement on my cube of space would only be XXXX which is what my property insurance values the interior. The ACV is more than the replacement cost of the my condo. My loan with Dovenmuehle, which they bought, is for around XXXX which is what I think they want me to purchase. This can not be done since that insurance does not cover more than the value to replace. If I were to purchase a policy, which my agent say 's doesn't make sense it would be duplicate to the Association policy. I am sure they will tell you that they are only looking after my best interest per FEMA as they did last time. They say the may charge me so I am trying to get ahead of their threats. I have had problems with them in the past on this issue and escrow. They do not service their loans well that they purchase.
|
| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response.
When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check.
These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a delinquent notice from Dovenmuehle for my XXXX mortgage. I had mailed that check on XX/XX/XXXX.
I received a mortgage statement for XXXX in the amount of {$2200.00}, which includes a late fee and XXXX and XXXX payment amounts ( despite my having mailed my XXXX check on XX/XX/XXXX. ) I have now paid that amount ( over the phone, which they have not processed, although I have a confirmation number ) and my XXXX amount, which they processed on XX/XX/20. I should be paid at this point through XXXX, but I can not get through to anyone there ( I have been on hold today for about an hour, and I sent an email. ) I am trying to understand why I needed to pay a late fee, and I am seeking confirmation from them that I am well-past caught up on what they think I owe.
Additionally, I received a notice that my mortgage is being transferred on XX/XX/XXXX, but I received ( and paid ) the XXXX statement from Dovenmuehle, as it came from them and I got nothing from the new servicer.
Finally, there is an error with the online portal- when trying to register, a strong password populates the SSN field, allowing no possibility to create an online account, which is preventing me from checking my balance on my own.
|
| 04/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I requested a 6 month forbearance for my government backed FHA loan in compliance with the federal CARE act. My loan servicer, Dovenmuehle Mortgage, refused to comply with federal law. They will only offer 3 months, and at the end of those 3 months will require a lump sum payment. They refuse to restructure the loan in anyway to assist with the lump sum.
I requested 5+ weeks ago to relocate for my job. I have called multiple times and they state there is no one in the Research Department that will take phone calls to update me. I have asked for permission to relocate because I am required to do so since this is an FHA loan with occupancy requirements. I have updated them weeks ago that this is now more urgent due to Corona virus and losing my full time job. They refuse to answer me.
I got a notice that due to my forbearance, they will be requested a new appraisal of my property as part of Loss Mitigation and I will be responsible for this appraisal. I did not agree to this nor is it necessary, since they have agreed to at least 3 months forbearence and payment was only just due for 1 month as of today.
I have spoken to HUD, and they have agreed my mortgage servicer is in violation of FHA and federal law.
|
| 06/08/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX XXXX in XXXX Colorado subbed out my mortgage processing to Dovenmuehle Mortgage. On XXXX XXXX, 2015 I sold my house and XXXX requested a mortgage payoff. Dovenmuehle provided a mortgage payoff of three month MIP when it should have been two months. They required that we pay {$1200.00} when I only owed {$840.00} for an overpayment of {$420.00}. We discovered this error on the day of closing, but they required we pay the incorrect amount and told me that they would refund the difference when XXXX XXXX wired them the incorrect amount on XXXX XXXX, 2015. I spoke with Dovenmuehle by phone on XXXX XXXX, 2015 asking when I would get my check and they told me that even though they had not sent the mortgage balance to HUD, they would not refund my {$420.00} overpayment and stated that I would have to contact HUD. The second complaint is that Dovenmuehle withdrew from my escrow account on XXXX XXXX, 2015 {$1600.00} for Property taxes and as of XXXX XXXX, 2015 had not paid it to the XXXX County Treasurer. They refuse to refund the {$1600.00} even though they have not sent it to the county and XXXX had to withhold this amount as part of the closing process. Dovenmuehle owes {$2100.00} that they refuse pay me.
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage, servicer on behalf of XXXX XXXX, allows customers to sign up for bi-weekly, or bi-monthly payment services. However, both services require the consumer to pay a half-month 's payment in advance to start these services. The servicer allows consumers to start service by sending a voided check via mail or fax, along with their half payment through any means. The half payment can be collected via their online portal. However, the online portal enforces that the user can not pay for this half payment without treating it as a principal only payment. The only alternative, is to pay via telephone or by check, and incur a fee the consumer can not avoid. As a result, the consumer ( including myself ) receives a delinquency notice even though my mortgage is current, and payment has already been processed. While I realize online portals are often difficult to maintain and offer a lot of underlying services to consumers, forcing customers into situations where they do not realize how these things impact them is basically fraud. I have contacted the company, whom claims I can resume my bi-weekly payment service if and only if I make two more in-full payments, and can not avoid my late payment fee.
|
| 03/09/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have been in the process of trying to repair my home for a month now. With current regulations the mortgage company holds all funds from the insurance company to make the repairs. During this process I have been told daily that the funds would be released to my account so that I can pay the contractors. I am now 3 business days past the original date I was told. The company is unresponsive and gives the same answer but offers no solution and will not follow up on their word. Dovenmuehle has been in possession of the insurance check for two weeks now and has yet to release a dime. I have completed all paper work and they have stated that the funds should have been available to me.
I have called multiple times and I get the same answer that they will be available tomorrow but it never happens. I am beginning to believe the company is fraudulent and I am being scammed out of $ XXXX in home repairs. I am now paying contractors out of pocket and will be negative in all my accounts causing more headache and fee 's all because this company does not care about the consumer/customer and has taken an excessive amount of time in completing the simplest of tasks. The LOSS DRAFT DEPARTMENT should be investigated.
|
| 12/17/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/20 I received a letter from XXXX XXXX XXXX that Dovenmuehle Mortgage Co bought my loan. Dovenmuehle never contacted me. I had to call them 15 to 20 times to get information. I originally refinanced with a 21 year fixed loan. Somehow Dovenmuehle changed it to a 30 year mortgage without my knowledge. I tried to get them to change it and my calls would be answered with someone will contact me, but they never did. On XX/XX/XXXX I received two collection letters demanding payment. Previously I had never had any contact from them. Today, XX/XX/20, I demanded that they take my payments for XXXX & XXXX for the monthly amount I originally refinanced because I didnt want my credit to be affected and to not incur any bogus late fees. In order to pay it by phone I had to pay an additional {$11.00} service fee which I thought was rude in light of me having to pursue them to make the payments. I paid two payments of {$1800.00} for a total of {$3600.00} and was told that they would make the necessary corrections. With all the problems Ive had, Im still uncomfortable that they will follow through. Dovenmuehle gives their industry a bad name. I wish I didnt have to deal with them, but I guess i have no choice.
|
| 01/04/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Dovenmuehle Mortgage is the private-label subservicer of a VA backed loan for which my late husband was sole borrower. The property was transferred to me upon his death ( XX/XX/2021 ), and I am confirmed successor in interest. I have provided this company with my written statement of intent to take over payments on the note, as surviving spouse and Titled owner of the property.
The Company has thus far refused to cooperate with VA Regulations and Federal Laws ( XXXX XXXX XXXX, Consumer Financial Protection Rules pertaining to the ATR rule, and VA Regulations pertaining to the unrestricted transfer of the loan ). The company has insisted that I must submit an application for assumption with associated fees, which is clear violation of multiple Laws and VA Regs. Furthermore, Dovenmuehle has refused to respond in a meaningful way to my repeated phone and email requests over several months to correct this issue.
Dovenmuehle has been notified by the VA Regional Office in Denver that they are in violation of VA Regulations. The failure of the Company to respond to me now places them in violation of RESPA and my rights as Successor in Interest.
There are no other beneficiaries to the estate.
|
| 07/24/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have been trying to apply for relief from our mortgage for the initial 180 days according to the CARES Act. The mortgage servicing company is Dovenmuehle Mortgage CompanyXXXX XXXX. They will not return calls or answer questions on their secure portal. They have ignored my requests all together. I attempted to get their attention by not paying my mortgage payment but their response was to have their collections department call me but could not provide me with any information on the CARES relief. Out of fear of not paying my mortgage I used a credit card to make the payments for 3 months but now have reached a point where I am not able to continue doing this. All I would like to do is apply for the CARES relief from my FHA loan so I can get my family back on our feet from this pandemic. My XXXX, which is our only source of income was closed down for the better part of 5 months because of the CDC guidelines and the fact that we have XXXX XXXX XXXX children to care for at home. It just seems like nobody is accountable for not following a federal Act of Congress? Please help us!!
Thank you The attached document is what they responded with after 3 months sitting in their secure message center
|
| 09/25/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements.
As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX.
I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.
|
| 12/31/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
An escrow account was initially established for private mortgage insurance only. In XXXX of this year, I communicated to the mortgage servicer that I would be depositing money into escrow for payment of property taxes. As of this date, my escrow account has more than enough money to cover the property tax bill. I have talked with Customer Service several times from XXXX until today. In past communications, I was assured that my property taxes would be paid and that, if late fees were incurred, the servicer would pay them. Just two days ago, I received a call from a Customer Service Supervisor asking me if I wanted the Escrow Dept. to pay my taxes. This is after I had been assured that the Escrow Dept. had been directed by me to pay them. The problem here is that neither Customer Service nor I can speak directly with the Escrow Dept. I sent an email to the Escrow Dept. today asking them to please pay my taxes. The response to this email was " this is a no-reply email address. '' I am now working with XXXX XXXX XXXX. to refinance my home. I am concerned especially now that the current mortgage servicer will compromise the refinance process by its failure to fulfill its obligations.
|
| 08/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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
|
| 08/09/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this.
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then.
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after.
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX we purchased a home with XXXX XXXX XXXX in XXXX XXXX, Fl. We financed the home with XXXX and our loan was serviced via Dovenmuehle Mortgage. In XXXX I became unable to work and sought to have a modification done on the loan to make it more affordable. In XXXX of XXXX Dovenmuehle stated that we qualified for a modification and that one would be " no problem '', so we started the process with them.
They told us not to pay while the modification was taking place and even told us that they would not accept payment. In XXXX of XXXX, their underwriter contacted us and told us that we did not qualify for a modification so it was denied. We asked for other options and were told that the only other option was a repayment plan - we suggested multiple payment plans to Dovenmuehle and each plan was denied - they stated that the behind balance had to be paid within XXXX months ( and we were behind more than XXXX months - meaning we would have had to make more than double payments ). They would not accept any payments other than the behind balance or what they said we had to pay to catch up.
They refused to help us in any way and have now filed foreclosure on the property.
|
| 07/03/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
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.
|
| 05/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My XXXX mortgage payment resulted in my principle dipping below the 78/22 % loan to value ratio. Im still paying PMI. About two weeks ago I called my mortgage company. They informed me that their escrow department needed to research this and get back to me within 30 days. I explained that I thought this was unacceptable because they could clearly see that my statement was correct and my only other condition for dropping PMI was that Im current on my payments. Over the weekend, I received a statement saying I needed to pay {$470.00} for an appraisal. I called them today, and instead of telling me they still needed to research it, I was told that the Customer Service Reps did in fact have ability to drop the PMI. After he pulled up my records he changed his tune and said that they only service my mortgage and the lien-holder is the XXXX XXXX XXXX XXXX and they already made the decision to not drop the PMI. I then asked why this hadnt been communicated when I originally called, and why I was still mailed a statement requested {$470.00} for an appraisal, to which he apologized for giving me the run around. The mortgage company is called Dovenmuehle Inc and based in XXXX
|
| 04/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My original loan through XXXX XXXX- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is DOVENMUEHLE. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the XXXX XXXX number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.
|
| 07/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
As a result of damage incurred during Hurricane Harvey, Dovenmuehle Mortgage extended me 90-day Forbearance Assistance for the months of XXXX, XXXX, and XX/XX/XXXX. I accepted Forbearance Assistance applicable to loan # XXXX ( acknowledgement from XX/XX/XXXX attached ).
I resumed my normal payments as instructed after the forbearance period in XX/XX/XXXX per the attached mortgage statement. My payments dated XXXX, and XX/XX/XXXX intended for XXXX, XXXX, and XX/XX/XXXX were incorrectly applied to my account for the forbearance period ( XXXX, XXXX, and XX/XX/XXXX ). This error by Dovenmuehle resulted in false 30 day and 60 day late payments that were reported to XXXX, XXXX, and XXXX for XXXX and XX/XX/XXXX, and XX/XX/XXXX ( attached credit report ).
I have contacted Dovenmuehle numerous times by phone to no avail, and have submitted request to fix the error in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This error has yet to be resolved and effecting my ability to obtain a new home loan. There are a staggering number of similar complaints against Dovenmuehle Mortagage , Inc, and I am in need of assistance from The CFPB to resolve. Thank you.
|
| 10/31/2022 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Mortgage was included in bankruptcy discharged XX/XX/XXXX. Mortgage was reaffirmed in bankruptcy. Asked for payoff starting in XX/XX/XXXX and despite numerous call daily Dovenmuehle did not provide payoff until XXXX XXXX AFTER loan was transferred to XXXX XXXX XX/XX/XXXX, XXXX we were supposed to close on sale of home in XXXX but could not close until XX/XX/XXXX. XXXX. Funds sent to XXXX at closing were returned to title company as they were not servicing the loan anymore. Loan was then paid off through XXXX XXXX. XXXX shows account as open on my credit report and as discharged through bankruptcy even though it was reaffirmed. The XXXX balance and derogatory credit rating infer that the debt is XXXX because it was discharged in the bankruptcy. It should indicate paid in full and the loan had been in a COVID forbearance prior to the servicer transfer and subsequent sale and should not indicate a negative credit reporting code for those months. Not closing on the loan in a timely manner caused terrible stress for our family and financial hardship, and not reporting this correctly is now doing the same as we start to work on obtaining a mortgage for a new home.
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I have renters in my home who thought they would need some extra time to pay the lease due to Covid ; this was in XXXX, 2020. I called the mortgage company to ask about the terms of deferment. I asked them to send me the paperwork so I could look it over. At no time did I agree to go into deferment or ask to be put into deferment. I simply asked for information.
I received the papers which stated I was to sign and return ; I did not submit any documents to go into deferment. My tenants continued to pay on time, so there was no need to go any further.
In XXXX, 2020 I had to purchase a car, and learned that Dovenmuehle Mortgage, Inc. had put me in deferment without my consent.
I had not missed any payments, nor been late - ever.
I called them and they said that it was not on my credit report, but I have the paper work obtained from my loan broker. In addition, creditors did not want to extend credit to anyone who is in deferment so it was extremely difficult to find a creditor. As a result, my interest rate on my car is extremely high.
The damage is done, at this point and there seems nothing I can do to reverse what it's done to my credit rating.
|
| 02/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX Dovenmuehl sent me a letter saying that I incurred a shortage of XXXX due to a large increase in property tax. According to their records the property increased by about {$5000.00}. Dovenmuehl was incorrect. But before I figured out that Dovenmuel was incorrect I sent them several thousand dollars to bring the escrow balance to the erroneous required amount.
Correct Property taxes for XXXX -- -- - {$1100.00} Exhibit c Correct property taxes for XXXX -- -- - {$1300.00} Exhibit C On XX/XX/XXXXI sent a fax to Dovenmuehl showing that the correct tax amount for XXXX was {$1300.00}. See Exhibit E.
Between XX/XX/XXXX and XX/XX/XXXX I paid {$6700.00} to the escrow account.
Dovenmuel paid XXXX in county taxes out of that.
Dovenmuehl paid {$0.00} for insurance because I purchased home insurance directly That leaves XXXX in escrow to pay for XXXX taxes of {$1300.00}.
Dovenmuel owes me {$4200.00} XXXX I asked Dovenmuel to let me pay my own tax and insurance because they XXXX them up so badly but Dovenmuhl said that They could not allow me to take responsibility for my own taxes and insurance because my escrow balance was negative. That's XXXX.
|
| 12/05/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
I use Web Bill Pay service to pay my mortgage monthly. I have it set to have the payments arrive to them on the XXXX of each month when the payment is due. Even though they receive the payment that day, they never post it that same day and instead wait sometimes 5 days before posting it to my account. When they finally do, I have had to pay more in interest charges that do not get applied to my principal. When I have contacted them in the past, they have told me it takes them a few days to process payments. When I view my account it shows days past the XXXX when it finally gets posted. I have paid likely thousands of dollars in extra interest charges that I didn't owe because they will not process the payments right away. In this age of technology, there is no reason a payment should not be posted the same day they receive it. I am but one person, they are making MILLIONS off of other people by not processing payments when received. Can anything be done to mortgage processors who conduct business this way? It is literally theft! As an example, they received my payment on XX/XX/XXXX, but didn't process it until XX/XX/XXXX. This happens nearly every month.
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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hello sirs, I have a conventional mortgage that was taken out with XXXX XXXX, they sold it to other servicers, i never had any prior issues, as i pay my mortgage timely monthly and pay for years now my property taxes and insurance directly to the state and insurance company as is agreed upon in the mortgage documents, all of a sudden a new servicer took over the loan servicing, dovenmuehle mortgage loan servicing, and i was harassed immediately on them opening an excrow account to pay my taxes, i responded to them in writing telling them that i did not authorized any escrow account on my mortgage and that i would pay the taxes directly as i done for years, they did not respect my wishes and opened an escrow account paid the taxes with out my consent and are doubling my monthly mortgage payment to {$4600.00} dollars monthly from {$2300.00} and taxes are only {$490.00} dollars per month etc expenses and want to escrow over {$10000.00} dollars in escrow. this is all done to force me to default and loose my property in an unclean hands action against me.. where fore i need the CFPB to investigate this matter and take actions against this mortgage servicer.
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| 11/07/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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We received and were approved for loss mitigation in XXXX after a long lengthy process. They tacked on exorbitant legal fees and other fees. We bagan making payments after never receiving any paperwork other than a letter that we were no longer in foreclosure. Payments were being made with no knowledge of where to send them. We sent to the address in the paperwork, when I called about this the CSR said that this was normal during loss mit and continue to make payments. We did and it was still being reported to the Credit Agencies that we were in default. On XX/XX/XXXX, I received XXXX statements with a due date of XXXX. When we called them they informed us that our payments were going toward attorney fees when that is not what the paperwork stated, they were added to the balance. We want to pay via ACH but they wont let us stating we are behind, then we were told we only owe XXXX. They sent me a statement which was so confusing I couldn't understand it. Now today I got a letter that we are in default which is not true. I want to refinance with another bank so I don't have to deal with them anymore. I have never dealt with such incompetence in my life
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| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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At the close of escrow, on XX/XX/XXXX, Dovenmuehle Mortgage , Inc. received an initial escrow payment of {$10.00}, XXXX for property taxes due on XXXX XXXX XXXX, XXXX, TX XXXX. In early XXXX of XXXX, we received a property tax bill in the amount of {$9700.00}. I immediately contacted Dovenmuehle and was told that they would take care of it. However, on Friday, XX/XX/XXXX, we received a penalty bill, in the amount of {$10.00}, XXXX, which includes {$870.00} in penalties. I contacted Dovenmuehle on XX/XX/XXXX, and was told to email the tax department, which I did. I did not get a response or an acknowledgment, however, so called again on XX/XX/XXXX, and spoke with a supervisor named " XXXX '', who said she'd look into it and get back to me. Having heard nothing for several days, I called again and spoke to another supervisor, named " XXXX. '' On XX/XX/XXXX, I received an email from a " Resolution Specialist '' named XXXX XXXX, who said she'd " initiated research into this issue '' and would contact me by XX/XX/XXXX, with an update and/or resolution. I have not heard from her again, although today is XX/XX/XXXX, and I called and emailed her twice today.
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| 10/30/2018 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
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I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.
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| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I sold my home in XX/XX/XXXX and I asked my mortgage company ( Dovenmuehle Mortgage ) for my escrow refund. I was due a refund in the amount of {$3500.00} for prepaid property taxes and home insurance. I called and was told a check was issued on XX/XX/XXXX. I did not receive it so I called again on XX/XX/XXXX and was told that they had my old address on file. I updated my address and was told they will request to issue a new check. I have repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Every time I call, i am told the check is in the mail. Also, I am told that a new check can not be issued within 30 days of past issuance. I offered to pay for overnight shipping, and tracking information but was told by customer service that the only thing they can do is request the refund check but can not overnight nor provide tracking information. It has been 3 months since I am supposed to receive my escrow refund check. I have requested for this case to be escalated to no avail. I keep calling and keep getting the same excuse, check is in the mail - with no tracking or confirmation that a check has been issued and when i should expect it.
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| 12/27/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had Dovenmuehle Mortgage up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the XXXX file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is.
I contacted Dovenmuehle multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''.
This is utterly ridiculous and is going to end up costing me percentage points and money.
I need help, I tried all the ways I could and the manner it should have been handled and Dovenmuehle has seriously failed me here.
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| 05/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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I have been trying, for over 6 months to get a loan modification done with XXXX. They have a year and a half of ALL of my financial records and even when they have been sent a FULL package, continue to come back asking for either the same things over and over again, or when I complete the package and all their Final stipulations they start over asking for all new things after receiving everything. They start the process over, and over again each time. I have provided every possible document about my finances, and every time I finish what their multitude of items on their list are they then ask for more. At what point does this end? At what point can it ever stop? As they continue to start the process over and over I continue dipping into my retirement account just to pay my mortgage. There is absolutely no way they can not have a COMPLETE financial picture based on all of the documentation they have received. Every single item they have ever been asked for have been sent in and then, they just keep extending the time period. A year and a half of my financial records should be more than sufficient to complete this package.
Thanks XXXX XXXX
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| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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DMI claims that we did not make one of our mortgage payments ( for XX/XX/2020 ). We have made every payment on time ( we do it through automatic payment through our local bank ) and have done so for the past 8 years on this mortgage. I provided proof of payment as well as tracking numbers for the payment as soon as I was notified by DMI. However the problem is still not resolved. I have been trying to work with DMI customer service for months ( calling in near weekly ) to resolve the confusion. Always the answer I receive ( week after week ) is that the research department is working on it, but nothing ever gets fixed. Our credit scores have fallen due to DMI misreporting that we've missed a payment. This has large financial consequences anytime I want to apply for other financial services and credit is pulled. I have asked that this be fixed. I also do not have a correct 1098 form to do my 2020 taxes. I have spent so much time on the phone with DMI trying to help, and again nothing. The problem persists. I have given up working with DMI as no matter who I talk to ( customer service reps and 'managers ' ) nothing is fixed or progressed.
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| 08/08/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My Ex-husband recently passed away and our children asked me to be the executor of his estate. We have tried to communicate with his mortgage servicing company about his mortgage and they require multiple documents. One specific is issued by the Clerk of Court certifying that I am the executor. The mortgage company requested either Letters of Administration or Letters Testamentary with visible county seal. Upon our visit to the Clerk of Court in XXXX XXXX, NC, the clerk asked why. Noting that my ex-husband 's estate only consisted of equity in his primary real estate, the clerk recommended and then issued an Affidavit for Collection of Personal Property of Decedent. We sent this along with the other requested documents XX/XX/2020 only to receive a letter asking for the originally requested documents and a closing statement saying if you have questions please call. We have called multiple times to inquire about why the form recommended by the Clerk is not acceptable. Each time, the person on the phone can not help us, transfers us and then we are disconnected. I have spent hours on the phone getting no where. Please help. Thank you.
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| 11/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle XXXX. XXXX XXXX XXXX XXXX, TX XXXX Dovenmuehle Mortage company holds an escrow account to pay taxes and insurance for my mortgage, my insurance changed in XX/XX/2020 Dovenmuehle did not pay by XX/XX/2020 so XXXXXXXX XXXX XXXX out of XXXX Florida canceled my policy effective back to XX/XX/2020 I was notified of this XX/XX/XXXX XXXX day before a hurricane even though XXXX posted payment. During the two months of XXXX and XXXX I received several letters from Dovenmuehle letting me know I didnt have insurance and they were going to buy insurance for me. My last letter from Dovenmuehle about no insurance is dated XX/XX/2020. Dovenmuehle paid bankers {$24000.00} to XXXXXXXX XXXX on the XXXX of XXXX for a {$2200.00} policy, Dovenmuehle reported to all three credit bureaus that I owed them {$22000.00} and also reported it as an increase on what I owed on my mortgage it immediately dropped my credit score 100 points. Dovenmuehle sent me a letter on XX/XX/XXXX and XX/XX/2020 increased my mortgage by {$2100.00} dollars a month. I have called almost every day trying to get it fixed and keep running into a block wall with them.
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| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been making my mortgage payment to XXXX XXXX XXXX with PMI faithfully since XX/XX/XXXX, over 24 months, including a small overage toward principle reduction. Due to market conditions and principle reduction my home 's current loan to value is approx. 67 %, even using conservative valuation models. I requested they remove the PMI as I am no longer obligated to pay - they indicated I would receive something by mail within 10 days, but I received no notice. I called back about 3 weeks later and was told my request was denied as requested. I asked to be directed to a supervisor and they provided me with an email for escalations. I subsequently wrote to XXXX as directed with a detailed description of my complaint and included links to XXXX different valuation models proving my equity position. My initial email was sent XX/XX/XXXX, then a follow up on on XX/XX/XXXX - both emails were ignored. In this challenging economy I am being obligated to pay {$95.00} per month for mortgage insurance that is not required by XXXX ( investor for my loan ), and the servicer not only refuses to do the right thing, but they ignore my requests.
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| 02/23/2022 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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I have been trying since XX/XX/2021 to obtain a VA Disaster Modification OR a VA Covid Partial Claim. NO ONE and and I mean NO ONE has tried to help me get my mortgage back on track and I have never been able to speak with a supervisor or my dedicated Loss Mitigation representative to obtain assistance with this matter. It seems that your company wants me to go into foreclosure and lose my home. This is very disappointing.
I have tried to appeal the VA Disaster modification decision and explain that I can make the mortgage payment even if the payment increases but NO ONE has offered to assist me. I have asked for a VA Covid Partial Claim and NO ONE has submitted the request for review. I am told that I must submit a full Modification Application with all documents to be considered for loss mitigation options. But, when I speak with the VA Regional Office they said there is a streamline ( no document ) option for VA mortgage borrowers that does not require a modification application. Again I can not get any remedy with your company because NO ONE is calling me to provide me with clear instructions on how to resolve this matter.
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| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
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On XX/XX/2023, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/2023 to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/2023 I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/2023 I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/2023 I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/2023 I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property.
Dovenmuehle claims the funds were sent to Missouri 's unclaimed property department and they have no records of this money so I am unable to get my money back.
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| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of 2022 I noticed my mortgage payment went from {$540.00} to {$1900.00}. I called them to find out why and was informed that my property taxes increased. I called the state, who informed me that the mortgage company made a mistake and charged me too much. I sent the tax information to my mortgage bank and was told they would run a new analysis. I called back multiple times and was told they havent gotten to it yet. XXXX XXXX of 2022 the bank called me to tell me they had made a mistake and my payment would drop back to {$590.00} but not until XX/XX/2022 and I was responsible to pay the higher payment and back payments. They chose to enroll me into their loss mitigation program but sent the forms without my knowledge while I am away from home for work. They would not send new forms where Im stationed for work and decided to stop the loss mitigation program for me. They have admitted to fault but are still charging me {$1900.00} and have destroyed my credit. This is a loan with XXXX XXXX, I have spoke with them on numerous occasions with them telling me there is nothing they can do and I just have to deal with it now.
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| 12/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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Our mortgage servicer, Dovenmuehle Mortgage, has been escrowing our flood insurance, which is in the range of {$1000.00} per year. But the payment of the flood policy is included in our HOA monthly payment and our HOA pays the flood insurance annually.
We had the same issue last year and I spent countless hours trying to resolve it with them. I was only successful after I filed a complaint with the CFPB. This year, I have to do the same thing. I can't believe that I have to spend hours each year to resolve such a simple issue. We are not even behind on our mortgage. Every payment is made on time. In fact, we are paid ahead. It's illogical that I have to keep having this fight every single year. I don't have time time to do this every year. I have a special needs child and a demanding career. It's simply unacceptable.
At this point, the only acceptable resolution to this issue is to de-escrow the loan entirely. I can't have this battle with the servicer for the next 28 years. It's simply unacceptable. The HOA pays for the flood insurance. I am sick and tired of having to pay twice for this. I will simply not do it.
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| 07/25/2020 |
Yes |
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I received notice from DovenMuehle Mortgage that my escrow was short due to increase of insurance and property taxes. I was advised I needed to pay additional amount of {$280.00}, and based on this dollar amount, my monthly mortgage payment would increase. ( Normal occurrence in life of Mortgage Loan ) Not wanting my monthly payment to increase I paid double the amount requested and asked for a re-calculation of my monthly payment. The reason I did not want the increase is that I had previously had a Loan Modification that increased my monthly payment by {$130.00}, in XX/XX/XXXX. ( this Loan Modification was needed due to DovenMuelhle 's inability to communicate in timely manner. ) I nearly lost my home because of Dovenmuehle 's bad practices. I have made several attempts by phone and in writing to get my monthly payment recalculated. Dovenmuehle has refused to re-calculate my monthly payment even though I paid more than requested. Your assistance in getting this matter resolved would be greatly appreciated. My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX
|
| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
For the last three months, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get my mortgage company, Dovenmuehle, to consent to an easement across my property at XXXX XXXX XXXX, XXXX, Texas XXXX. The easement will not affect the use of my property as it is mainly under the road leading to the main property. Once Dovenmuehle found out that XXXX was paying me for the easement, they have demanded a payment against the principle of my mortgage. I only owe {$140000.00} against a property valued at over {$400000.00} but Dovenmuehle is now demanding {$20000.00} be paid prior to closing XXXX closing can not happen till they sign the consent ). They originally claimed the XXXX was demanding {$39000.00} be paid against the principle but have since offered to " settle '' for {$20000.00}. I do not have {$20000.00} to pay them, so we are at an impasse. The XXXX XXXX XXXX agent handling the easement acquisition has never heard of such a demand. If XXXX truly requires such a payment, why won't they accept payment upon closing? I feel like I'm being extorted for {$20000.00} for a consent that is costing Dovenmuehle nothing.
|
| 07/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
We received a letter from Dovenmuehle Mortgage on XXXX XXXX, XXXX regarding our prior home mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX The letter stated that we had unclaimed property of {$1400.00} for a mortgage that we had closed out ( when we refinanced with XXXX XXXX XXXX ).
We were told to sign the paperwork and send it back to Dovenhuehle, which we did immediately. We never heard back so we recent a fax with all the information that has a time stamp that it was received on XX/XX/XXXX. We still have not received our refund.
We contacted Dovenmuehle by phone on XX/XX/XXXX, spoke to XXXX who said that the check had been cut that we'd receive it latest by Friday XX/XX/XXXX. We still have not received the check so we called again today, XX/XX/XXXX, spoke to the manager XXXX who stated that the information that XXXX gave us was wrong and that the check has still not been cut. She wouldn't connect me to accounting. Best should could tell me was another XXXX days but that I have no other recourse. I'll just have to try to follow up again.
This feels like a shady mortgage company.
Please help.
Thank you.
|
| 02/06/2019 |
Yes |
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- Trouble during payment process
|
|
Web |
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|
I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.
|
| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
At the end of the XXXX Forbearance period we call the lender and asked what is next because we cant pay the lump sum of the forbearance, they said we where eligible for a loan modification and asked if we would like to be submitted for a loan modification which would try to lower the payment 20 %. That was XX/XX/2021. We asked for paperwork bag where told that once we where approved we would receive the information to review. I quested that and asked how will they lower it, add 30 years? We only have 11 more to pay! A month passes we made a full payment, we call back and nothing has been done, we where supposedly re submitted for a loan modification with a double promise to send the paperwork ... we called yesterday and again nothing has been done, we where told we have to submit the forms to request!! I was like WHAT? So the promised to email us the forms and send them snail mail to make sure, they said the email for would be sent within the hour, nothing email was verified!! So now we have to call against and wait 2 hours to explain everything to two different people before we get to the person who wont help!??!
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| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2023- received a letter from XXXX XXXX but was away XX/XX/2023 - Read letter from XXXX XXXX and determined that Dovenmuehle Mortgage had not payed my taxes for the second half of the year. Checked all the materials on the online portal and understood that they had not been paid and the due date was XX/XX/2023 before they would assess late fines.
XX/XX/2023 - Sent an email to the tax department of Dovenmuehle notifying them of the missing payment that was to be paid out of escrow and included a picture of the bill received from the city of XXXX XX/XX/2023 - Called Dovenmuehle as soon as they opened and discussed the issue with 'XXXX ' from the tax division. XXXX stated that they already knew about the bill and would pay it by the XXXX. When I asked if there was anyone I could speak with to ensure it got paid by the due date, I was told that I could only send an email like I had done but they knew the due date and it would get paid.
XX/XX/2023 - the property taxes were not paid out of my escrow account and I am now delinquent on my taxes with the city of XXXX due to Dovenmuehle 's negligence with my money.
|
| 01/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules.
I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this.
In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive.
I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''
|
| 12/24/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted Dovenmuehle at the beginning of XX/XX/2020 because I got financially impacted by COVID-19. I then submitted an application to enter the forbearance Plan. I qualified for a suspension of payments from XX/XX/2020 to XX/XX/2020 and then i received a letter on XX/XX/2020 that extended my forbearance agreement from XX/XX/2020 to XX/XX/2020. I then Also received another letter on XX/XX/2020 stating that I was approved for a payment deferral, and they will defer my past due amounts to bring me current. On XX/XX/2020 Dovenmuehle sold my loan to XXXX XXXX XX/XX/XXXXas a delinquent account with no knowledge about the forbearance plan that Dovenmuehle had already done to my loan. My loan was reported to my credit on XX/XX/2020 negatively impacting me lowering my score 59 points. XX/XX/XXXX sent me a bill asking for the total past due amount. Dovenmuehle failed to sold my loan with the same terms and conditions that we had agreed to prior to selling it to XXXXXX/XX/XXXX. Ive been trying to fix my credit score and forbearance plan with both mortgage companies for the past 60 days and nothing have been resolved.
|
| 08/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have a signed and executed Forbearance Agreement with Dovenmuehle Mortgage stating we have to pay {$0.00} XXXX, XXXX and XXXX XXXX payment due to COVID-19. I then paid on time my XXXX and XXXX XXXX payments. BUT the Mortgage company, IN ERROR, reported me 90 DAYS LATE to all three Credit Reporting Agencies. Upon contacting my mortgage company, which took 6 different people and almost 7 hours of phone calls ... I finally reached XXXX XXXX, a Manger and he admitted that they in error didn't not report the the credit bureaus the proper information for many of their customers in Forbearance. He gave us a verbal and it was on their recorded line and he advise me that another department would mail us a letter in 5-7 business day stating such. Problem it that due to their error, my score dropped from the mid to high 700s to the low to mid 600s!!! This caused me NOT to obtain a Mortgage Pre-Qualification letter and I lost the home that I put an offer on! I need help ASAP as I CAN NOT wait 30 days for my score to rebound and the Mortgage company is not willing to do anything to help! ( supporting docs attached. )
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| 05/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.
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| 04/29/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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In XXXX XXXX XXXX I was granted a temporary forebearance and went into that forebearance current on my mortgage. I have stayed in contact and currently should still be in forebearance. I submitted an application for a partial claim/loan modification as well as extension in XXXX, while I had no income ( unemployment stopped until XXXX ) I was granted an extension on my forebearance through the end of XXXX and again requested an extension with no response and then submitted an application again for a partial claim/loan mod via email. ( XXXX time was via the portal ) to this point I have not received any calls regarding needing anything from me or to give any help. I started calling several times a week and documenting since I just received a notice of foreclosure- although I have a current application for a Covid-19 recovery workout partial claim/loan mod and still should not be in arrears on my mortgage. I have an appointment with a HUD counselor today and am also working with the XXXX XXXX for emergency mortgage assistance. I also started a job this week so could begin paying my mortgage immediately.
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| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I refinanced my mortgage loan from Dovenmuehle Mortgage solutions in Illinois to XXXX XXXX XXXX XXXX XXXX ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to Dovenmuehle Mortgage solutions IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. Dovenmuehle IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with Dovenmuehle IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.
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| 05/14/2022 |
Yes |
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- Trouble during payment process
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Web |
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My Loan has been closed with Dovenmuehle Mortgage for over 2 years. I received a letter from California State Controller XXXX XXXX advising me that I had a credit balance with their company for {$1400.00}. The letter advised me to contact their customer service to retrieve the funds owed to me.
Starting in early XXXX of 2022 I begin to contact them. From the start I was given wrong information and transferred to various departments. Initially I was told a check was being mailed and nothing else had to be done. After waiting a few weeks, I called back in and they told me I had to email them the letter from XXXX XXXX, Which I immediately did. I waited a few weeks and called back and they said they did not receive it, So the rep on the phone had me send it to her directly when we were on the phone. She confirmed receipt back in XXXX and said the check would be sent out within a week.
I called to check on it last week and they said they no record of my request.
I have made over XXXX calls now and spent over XXXX hours on the phone with this company trying to collect money that is owed to me.
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| 12/16/2020 |
No |
- Mortgage
- Other type of mortgage
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Web |
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I recently sold my home on XX/XX/XXXX, I was issued my equity balance at the time of closing minus the escrow amount balance of my account which I was assured it would be refunded to me within 30 days. I have not to date received my check. The mortgage company was called 5 times prior to closing to notify them of the sale and a new address was supplied to them. However, despite the multiple attempts to notify them of the new address they supposedly sent my check to the address of the house I sold on XX/XX/XXXX ... I did file a forwarding notice with the post office but did not receive any of my mail after it was filed I have since called multiple times requesting that it be deposited directly to my checking account only to be told that was not possible, so I requested that they send it directly to a different address and they supposedly did, never received it there ... all I get when I call are promises of reissues and overnight checks with tracking but the bank has failed to keep its word on doing anything it has said it would ... almost three months later, I still dont have my Escrow money.
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| 08/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.
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| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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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!!
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| 04/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/2020 I called Dovenmuehle Mortgage to update them on my XXXX veterans property tax exemption, it took till XX/XX/XXXX for them to correct my escrow accounts, then they sent a property tax payment to my county treasurer anyway even though I did not owe anything, fast forward to XX/XX/XXXX I called and they told me they sent me the tax overpayment out to my address on XX/XX/XXXX, when I didnt receive the check I called them back and they told me they deposited in my escrow account but would do a analysis and send me the overpayment, Ive been calling them every week and they keep telling they have expedited it and it would be resolved, called again today and still telling me they will fix it and expedite it, for seven months of dealing with there lie after lie I can only assume there trying to hold on to it for as long as they can since they make interest on it and I believe that is illegal, not illegal to make interest off my escrow account but to make interest off my money that dont belong to them, ( XXXX $ ) is what they owe me.Hopefully you can help resolve this for me thank you.
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| 01/25/2016 |
Yes |
- Other financial service
- Refund anticipation check
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Web |
Older American, Servicemember |
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My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own.
We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request.
Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company, Dovenmuele, did not pay my home insurance premium. They emailed me on XX/XX/XXXX stating they were paid on XX/XX/XXXX. Today, XX/XX/XXXX, I received a past due notice with a late fee and a cancellation date. I called my insurance company in case the payment and notice crossed in the mail. They told me they received no payment. I then called the mortgage company and was told by the rep it stated it was paid XX/XX/XXXX in my file. She transferred me to the insurance dept. and I have presently been on hold for 40 minutes ( another norm with this company ). I even emailed them a reminder on XX/XX/XXXX that this premium was due, which I shouldn't have to do, but this company has been negligent before. I emailed them back and forth 6 times between XX/XX/XXXX and XX/XX/XXXX because they failed to pay my town taxes. again a late fee was assessed, which they eventually paid and apologized for, but this level of incompetence is unacceptable. I have all the emails documented. Please let me know my options. This company has been unbearable to deal with since the start. Thank you.
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| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My servicer was recently changed from Dovenmuele to The XXXX XXXX.
I have made every payment through bill pay at my bank. I received a payment returned for my XXXX payment. I was unaware at the time that bill pay was sending it to the old servicer.
I got my new account set up at XXXX, and the balance due was showing two payments were due instead of just one ( XXXX ) I immediately caught up the mortgage payment, and started researching...
Apparently XXXX payment was sent out through my bill pay and received by Dovenmuele, I had proof from my bank of this. Dovenmuele said they did not have my payment. After I sent them the proof they MAGICALLY found my payment!
They told me they were going to wire this amount back to my Bank, this was on Friday XX/XX/XXXX. I have called my bank everyday to check on the payment... I still have not received it. It is now XX/XX/2022. My money is floating somewhere and its absolutely ridiculous the time spent and the work I have had to do just to prove that I sent them this payment! They would have kept my money if I had not put the effort into it...
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| 05/22/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
to whom it may concern : i was made tax exempt on XX/XX/2019 so i sent a copy to my mortgage company, and they sent me a reply confirming they had received it and all changes were made, however, when i checked my statements i found that they were still taking taxes out for 5 months, so i called them to find out why they were still taking out taxes. the first person i talked to i asked them why they were still taking out taxes since i was tax exempt, they said let me put you on hold and hung up the phone, so i called back and the second person i talked to i asked the same question and also what was misc. escrow money and they said that is the money we sent to you and i ask why i never receive it, then they said we will issue another then i ask about the taxes they had taken out for the last 5 months and they said we will send another {$300.00}. and i said no so they transferred me to their supervisor and again the same question to the supervisor and the supervisor said we don't have any money for you so i said i will report your company to cfpb and they said go ahead i don't care
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I have a mortgage with a mortgage company, this company has had so many complaints against them, yet nothing has been done to stop them preying on the consumer. In fact the more complaints made, the more help they seem to be getting from the Federal Government. In fact they got over XXXX XXXX dollars for covid relief they have helped no one. I recently applied for help from the haf program, I am within the guidelines as to what Haf will pay what the mortgage company did was inflate what I owe by {$11000.00}. therefore disqualifying me for the grant, no one has been able to justify this. HAF is telling me that they have to go by the amount the mortgage co.states, in other words if the mortgage company says you owe certain amount thats what they have to go by, my statements are clear as to what I owe, Haf is saying that they cant accept my mortgage statement. I feel so violated. Calls to the servicer validate that the amount on my statement is correct. I need help, I feel that I qualify for this grant and the mortgage company should not be able to do this and get away with this.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Hello, for my loan with Dovenmuehle Mortgage out of IL, Loan number XXXX. We were affected by Covid-19 and due to that we went into a Covid forbearance for 3 months. We are now awaiting a Flex Modification. I have been trying to keep my credit score as high as possible but as we all know, most of the score comes from Debt ratio and how much debt is owed. Dovenmuehle is reporting incorrectly and in my opinion illegally. It shows current which is good, shows no late fees which is good, but is shows my balance increasing over XXXX a month! Due to this, my scores have dropped over 30 points! Now this will greatly affect my chances at a better interest rate when the underwriter calls me for the Flex modification with XXXX and Dovenmuehle!
This is not good reporting and from what I am reading on your site and everything else the balance should not show increasing and therefore negatively affecting my credit score and my husband 's credit score which will be ultimately be driving our modification offers!
This needs corrected and I have not gotten anywhere with the company at all.
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone # XXXX Re Loan # XXXX Dovenmuehle Mortgage CO XXXX In XX/XX/2020 we refinanced our current residence and was suppose to get a refund check of {$730.00}. The first check was sent out on XX/XX/2020 to our physical address, not our mailing address, we have never received mail at our physical address, so I was asked to fill out a change of address form and send it in and they would send the check again. The second check was sent out on XX/XX/2020, and again, I waited for the check to arrive, having more patience this time, due to the holidays and COVID. Again, the check did not arrive. I have called multiple times, spending at least 1 hour on hold most times that I have called. I have spoken with several supervisors, who each assure me that they are putting in a check request, or expediting the check request, or checking with another supervisor to see why the process is not going through. All this is documented with the mortgage company! I need some help to get our refund check, and I am out of patience! Please help!
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| 05/18/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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|
I contacted Dovenmuehle mortgage inc, they are the loan servicer on my FHA mortgage, about Covid-19 hardship forbearance at the beginning of XXXX after 2 weeks I had not heard back about the details of the forbearance so I gave them a call on XX/XX/XXXX. I was told that I was already in forbearance as of XX/XX/XXXX and I would only get 3 months of forbearance as opposed to the 6 months guaranteed by the cares act and that my payments would also be due at the end of the 3 months and I would be reported as late for the 3 months as well. When I asked why I couldnt get the 6 months and I could roll the payments to the end of the mortgage I was told that that they were in compliance with all the federal agencies. I also was told I wouldnt have the written details of the foreberance program that I was placed in with out me having a chance to discuss it with them for another 30 days, if I hadnt called I wouldnt have even known I was in foreberance at all. The way this company is handling the situation caused by the global pandemic is unethical and I would like the situation remedied
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| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dovenmuehle Mortgage Inc. and XXXX XXXX XXXX are one and the same.
I have filed multiple complaints against Dovenmuehle over the last six years. The last report was submitted XX/XX/2019 complaint ID XXXX. I also did search and realized that I am not the only one to fall victim to Dovenmuehle unfair, unlawful, unethical practices. Please see the link below to see comments from other victims over the years.
XXXX XXXX XXXXXXXX There is some funny business going on and this company really needs to be investigated and shut down. Dovenmuehle has caused way to much financial harm to the lives of many not to be held accountable. I do not want Dovenmuehle calling me or harassing me any longer. It is clear that all my efforts are in vain no matter how much I attempted to get some where with this Dovenmuehle. I have notified the Maryland State Attorney Generals Office, HUD, FBI, Federal Trade Commission, and the XXXX XXXX XXXX to no avail. I hope and pray that someone will eventually stand up and put a stop to this. Dovenmuehle is a joke, and the service is dishonest, and horrible.
|
| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The borrower on the mortgage passed away. He was my stepfather and he had a trust that named my mother as his successor. However, before she could trust the property to me, she passed away. The property went to the next in line. He trusted the property to me. My husband and I are on the title through the county of XXXX. The mortgage company refuses to acknowledge me as the Successor in Interest. I have submitted every form they have asked for. I have submitted both trusts and they refuse to give me any information about the property. They are asking for a Trust Certificate. I even had my attorney on the line with them to find out exactly what they need. I asked why they need a Trust Certificate when I have already submitted both trusts. They never have an answer. They have promised me over 10 times that a Specialist will call me back because they dont know. I have never received a call back. They absolutely refuse to give me any information about the mortgage. It is now in active foreclosure. I want to get it caught up, but they wont tell me how much I need to do so.
|
| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85.
Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.
|
| 05/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I purchased a home in XXXX of XXXX. We financed using a local XXXX XXXX XXXX division recommended by our agent. We were told that our loan would eventually be transferred to a new provider but to make payments over the phone to the local branch in the interim which we did from the time of closing through XX/XX/XXXX. I paid the mortgage for XXXX and XX/XX/XXXX on XXXX via credit card as I have done for the past 8 months. I received a notice in the mail saying my account had been transferred to a new provider and was given a new loan number, as well as notices from the new provider ( Dovenmuehle Mortgage Inc ) that I owed over {$3000.00} for the months of XXXX and XXXX which had already been paid. I contacted Dovenmuehle Mortgage Inc with the number provided on the notice and was told to email a general customer service inbox with copies of the receipts so that they could " locate where the money went ''. I sent the email 5 days ago and have still recieved no response, and have gotten more notices saying I now owe late fees for an account I paid far ahead of time.
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my loan back in XX/XX/XXXX with XXXX XXXX and they sold my loan to DMI in XXXX XXXX. I sent my first payment to XXXX XXXX on XXXX and was received on XX/XX/XXXX. XXXX XXXX forwarded my check to Dovenmuehle Mortgage DMI when they sold my loan. DMI cleared my check on XXXX/XXXX but didnt apply it to my account. I didnt find out about it until I checked my XXXX account and checked my mortgage account, it was then that I discovered my mortgage balance was still the same, nothing was deducted but they cleared my payment. I had called several times, even spoke with four different supervisors and each time I call I have to explain myself over and over again. All of them dont seem to know what theyre doing. I even emailed them my proof that my check was cleared by them and itsBeen almost two weeks and I still havent received any response. please help. Recently, I checked their XXXX and XXXX page and all I saw was negative reviews. They were rated 1 Star on XXXX. Im surprised Dovenmuehle Mortgage is still operational despite their horrible customer service.
|
| 09/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We started a short sale process with Dovenmuehle Mortgage of XXXX XXXX Illinois in XXXX of this year. They have delayed the completion of this process over the last 3 months. Short sale was necessary because they had refinanced my mother 's property for more than it was worth at the time and left her with more debt on the property than a normal sale would pay off. She had to move out of her house due to declining health and had to resort to short sale to keep from going further in debt with a normal sale. Attached are the requests for information which have all been supplied by our agent with no results.XXXX XXXX, 2015 Appraisal was conducted XXXX XXXX - follow up if Report was back with them XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - A representative said that the file was submitted for review to FHA on XXXX XXXX XXXX XXXX - still no decision, file with FHA XXXX XXXX - still no decision, file with FHA XXXX XXXX - Still no response and the buyer is already anxious to have the closing
|
| 08/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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
|
| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
Got approved for a 2-month forbearance after hurricane Harvey in XX/XX/XXXX.
Loan servicer tried to add 10 months to the back of the loans, instead of just the two. They lower my payment by almost one dollar. This was after a 3-month successful trial period, in XX/XX/XXXX. It took them 5 months to resend me the loan modification documents.
Collection calls begin in XX/XX/XXXX. Signed revised modification agreement in XXXX XXXX Letters start to arrive in the mail threatening foreclosure in XX/XX/XXXX.
After being refuted on their claims, because not a single payment was missed the entire time, except for the forbearance ones, company backs off and stops collection threats. in XX/XX/XXXX, servicer sends another loan agreement for me to sign, and just like the one in XXXX, it adds 10 months to loan. This time, payments are lower, but the numbers are still way off. The financials are very murky and not solved as of XX/XX/XXXX.
I have no trust in this companys ability to handle my loan accurately and with integrity.
The name of the servicer is XXXX XXXX.
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again.
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXXXXXX customer service representative.
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
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| 04/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
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I have been waiting for my COVID-19 relief program since XX/XX/XXXX. I called and requested an end to my forbearance and a loan modification. I was told it would take 30 days. I received a letter on XX/XX/XXXX dated XX/XX/XXXX, indicating that they recently mailed me a letter that contains the agreement that I was approved for and describes what the workout is and how it impacts my mortgage. I called the servicer on XX/XX/XXXX as I had still not received a separate mailing from them even though the XX/XX/XXXX letter stated it was " recently '' sent. I was told by XXXX that the paperwork was not done yet. I requested a call back from a Supervisor as I wanted to know when my paperwork would be sent so I can take care of my mortgage. I was told to just " pay what you can ''. I asked how any payments I make would impact the workout offer and she couldn't answer. I was told I would receive a call back within XXXX hours. As of today, XX/XX/XXXX, I am still waiting for that call back as well as my paperwork with my approved workout information and agreement.
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| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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3 problems : [ 1 ] My mortgage company is Dovenmuehle. They put me on a forbearance from XX/XX/2020 through XX/XX/2020 ( to include all payments from XXXX to XXXX ). They deferred all of my missed payments except XX/XX/2020. Now I'm passed due and it's not my fault. They are refusing to put XXXX into the deferment. [ 2 ] I requested a loan modification because, as of XX/XX/2020, I am on Social Security XXXX. They are refusing to let me apply. They are refusing to send me an application and every time I call them they hang up on me. [ 3 ] Dovenmeuhle sent me a Loan Transfer Notification XXXX. I received a statement from the new Service, XXXX XXXX, XX/XX/2020. I set up a XXXX payment through my bank, which was sent to XXXX XXXX electronically on XX/XX/2020. Then later that day I received a notice from Dovenmuehle that my loan was not transferred to XXXX XXXX and that I must pay Dovenmuehle the payment for XX/XX/2020. Please see attached documents. I have spoken to a dozen representatives at Dovenmuehle about these issues. Now they keep hanging up on me.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX reported that I was 90 Days delinquent in Mortgage Payment.
The loan for XXXX Granite Woods Loop was initially taken out w Dovenmuehle Loan # XXXX and my mailing address at the time was XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for Dovenmuehle. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from Dovenmuehle to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware XXXX. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the XXXX Acct current. We request that the negative credit reporting from XXXX be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan w Dovenmuehle.
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| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX have refused to send me my overage escrow refund in the amount of XXXX.
XXXX XXXX XXXX XXXX even sent me an email with false information where they alleged the refund was sent in XX/XX/XXXX with the escrow analysis letter. I received the letter but not the refund check.
I have contacted XXXX XXXX XXXX over the phone just to be told it can take 7-10 business days for the check to arrived. They said it was sent XXXX XXXX which contradicts the original email I received stating it was sent on the escrow analysis in XX/XX/XXXX.
I also have sent multiple emails by secure messages and XXXX XXXX XXXX have ignored all of them since XXXX XXXX.
I am requesting from CPFB to step in and have XXXX XXXX XXXX pay me my refund escrow since I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and not required to pay property taxes in the state of FL.
Please have XXXX XXXX XXXX XXXX overnight this check without any further excuses.
XXXX XXXX XXXX XXXX have the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan number is XXXX
|
| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.
|
| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I closed on a refi mortgage two months ago with XXXX XXXX XXXX who is using Dovenmuehle mortgage as their servicer. The insurance details were provided to them as part of the specifics of the closing ( insurers is XXXX XXXX ). I received a notice last week from XXXX XXXX that my homeowner 's insurance had not been paid and was going to be cancelled on XX/XX/XXXX ( today ) if payment is not received. I escalated this to XXXX XXXX XXXX/Dovenmuehle and did not hear anything from them. I ended up working with the realty company to help escalate the issue and did receive confirmation that the insurance had been paid via email on XX/XX/XXXX and a text message on XX/XX/XXXX that the payment had been made, but as of today XXXX XXXX had still not received/processed the payment. I ended up having to pay for the premium out my own personal funds until this payment clears. I have still not received any kind of email/call from an actual person. I couldn't connect via telephone because of the long wait times ( I spent over an hour on hold before I gave up ).
|
| 12/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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Company is Dovenmuehle Mortgage , Inc Phone # XXXX lossmitigation Account # XXXX My Name XXXX XXXX XXXX I applied from XXXX because I'm behind only one payment. I sent all my documents and paystubs. In this moment almost 6 months later, I'm still waiting for my application, every body said is complete and still in review with the specialist. I call every week to follow-up. Customer service all the time sent emails to updates, but never I received any answers or decisions about my application. Today I called XXXX to find counseling.
Yesterday Dovenmuehle sent to my house a old lady to put the note in my front door and she takes a lot pictures for my house without permission. Dovenmuehle all the time explainme during this process my mortgage is frozen and nobody report nothing for my credit bureau, but is not true This company report {$10000.00} to my credit bureau.
I needs to find out what's going on with my application. I not wa n't to lose my home.
My phone # XXXX I needs somebody's help me whit this process.
Thanks in advance XXXX XXXX
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| 03/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Hello, I had a mortgage with XXXX XXXX 's bank which they transferred to Dovenmuehle servicing starting on XX/XX/XXXX. I subsequently sold the property and paid the account in full on XX/XX/XXXX.
Two days after that closing, Dovenmuehle incorrectly pulled the standard payment of {$1900.00} from my account. They have yet to return that money or the remaining funding in escrow of {$3500.00}. Today is XX/XX/XXXX, nearing three months since the payoff of the mortgage. The total funds they owe me since closing are in excess of {$5500.00}.
I have called and spoken to Dovenmuehle 's representatives, with escalations to their management, in XXXX, XXXX, XXXX, and XXXX of this year. XXXX XXXX refuses to engage. In each call with Dovenmuehle I am promised cashier 's checks by mail or alternatively now wire transfers. However, I never have received the money nor an explanation as to what is wrong. Each time I call I start from the beginning, and they refuse to give a direct number/extension/ contact name with whom I can drive the topic to closure.
|
| 01/15/2018 |
Yes |
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- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage loan originated in Hawaii with XXXX XXXX XXXX, a few years ago servicing was sold to another company - Dovenmuehle. My loan was paid off on XX/XX/XXXX. Dovenmuehle retained the balance in my escrow reserve account. Property taxes were due on XX/XX/XXXX. I previously called Dovenmuehle Customer Service ( early XXXX ) to find out if they were going to pay for the property taxes or, if they were going to refund the amount to me. I was told they are refunding the amount and I should receive the check ( {$450.00} ) by XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX - no check received. Called Cust Service again today. Said I should receive the check within 12-15 business days. This is unacceptable. They can not even tell me if or when the check was sent. I had to advance the funds for the property taxes so I would not be delinquent. How long can a Servicer hold on to funds due to me after my loan was paid off? They could not even tell me if the check is being mailed to me ( in Hawaii ) from the East or West coast. Very frustrating.
|
| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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We are in the process of re-financing our mortgage with a new lender. We informed Dovenmuehle Mortgage of this fact on XX/XX/2019, and requested they cancel the auto-draft for our XX/XX/XXXX payment. They agreed to cancel the auto-draft. Well, they drafted our checking anyway on XX/XX/XXXX. When I called about it they said the only recourse we had was to have our bank reverse the draft, which we did. Dovenmuehle began the late payment and collections process immediately, despite a 15-day grace period, and despite being told our situation with our refinancing process. The closing on our new loan was delayed until XX/XX/XXXX, and is now closed. We received a Delinquent Account notice, despite the fact that the loan is not delinquent until 30 days have passed. I called them on XX/XX/XXXX to explain that the refinancing had closed and they should receive the payoff on XX/XX/XXXX. I asked their representative to stop send delinquent letters, and to stop using the term delinquent. She became rude and began talking over me when I complained.
|
| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, I have a mortgage with XXXX XXXXXXXX, and my loan is serviced by Dovenmuehle.
For some reason, those people are not able to understand their letters, and since my forbearance came to an end ( XX/XX/2021 ), and I resumed making my payments starting XX/XX/2021, they have been " harrassing '' me with requests of payments that I have already made.
now has been over 12 months that this goes on, we had exchange of phone calls, emails, and I do not know how to make them understand their letter, and how to read my bank summary of all the payments I have made. I have had XXXX sending them proof of " electronically '' sent funds, but they do not understand it.
They even ruined my XXXX Score.
I do not think they are taking my problem seriously, and I think so because when I talk to them via phone they make me believe that they understood the problem, to give them about 30 days, so my problem will get fixed, but then I get an email saying that my account is behind with payments.
I do not know what else to do.
Please help me!
XXXX XXXX
|
| 12/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I have been attempting to work with Dovenmuehle regarding the arbitrary increase to my escrow payment. My property taxes are roughly {$11000.00} a year and Dovenmuehle is attempting to raise my mortgage payment by nearly {$600.00} ( {$3300.00} total with {$2000.00} to an escrow account ) to cover a shortage that is expected in XXXX, XXXXI have asked repeatedly to simply make the shortage payment as opposed to paying an extra {$600.00} per month, but they refuse to honor this option. Dovenmuehle Is attempting to take roughly {$24000.00} a year to cover a tax bill of roughly {$11000.00}, PMI of {$3500.00} and home owners of {$2000.00}, which results in Dovenmuehle maintains a {$7500.00} surplus in the escrow account. The reviews of this firm are absolutely horrendous and I never consented to XXXX XXXX Bank spinning my loan off to Dovenmuehle. I am trying to XXXX options before my new payment is due on XX/XX/2022. I have never missed any debt payment and fear this will bring unnecessary financial hardship. Thank you for support.
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
After 3 weeks of attempting to get a Payoff Statement, I paid my XX/XX/XXXX mortgage payment via electronic payment of {$17000.00} to Dovenmuehle Mortgage on XX/XX/XXXX with a memo {$40.00} interest {$17000.00} principal. I had thought they would send me any balance owed on my next/final statement.
When I checked to see my mortgage balance on the following day Dovenmuehle Mortgage rejected the payment for not following proper payoff procedures.
On Thursday XX/XX/XXXX ( XXXX EDT ), I contacted customer service and was told my payment would be returned electronically on Friday XX/XX/XXXX ( XXXX EDT ). I didnt receive it and called customer service who researched it and said there is a delay because of the clearinghouse so my payment would be in my bank on Monday XX/XX/XXXX.
Funds were still not received on Monday XX/XX/XXXX ( XXXX EDT ), I contacted them again and was told my payment would be returned by end of business day Tuesday XX/XX/XXXX.
I still have not received the funds. Please help in having my {$17000.00} returned.
|
| 12/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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I was told to make a payment by check because my auto-pay would not be set-up in time. However, after I made my XXXX payment by check, the auto-pay also pulled a payment. Then, while my next payment due date was changed to XX/XX/XXXX, I was assured that a payment would NOT be auto-paid in XXXX. Then, on XX/XX/XXXX a payment was still auto-paid on my account, pushing my next payment due date out to XX/XX/XXXX. I called Dovenmuehle several times ( from XX/XX/XXXX to XX/XX/XXXX ) to request a refund of one of the two payments made in XXXX to correct the problem. I was hung up on several times. When I was finally transferred to a Supervisor ( XXXX ) on XX/XX/XXXX, she told me they would send a check in the next 5 days. On XX/XX/XXXX, after receiving no check I called again and spoke to XXXX. She assured me that the check would be sent, and still nothing. They are not resolving my issue and I don't know what else to do. When I do finally reach someone, they are rude and/or place me on extended holds ( sometimes more than 30 minutes! )
|
| 07/07/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Company : Dovenmuehle Mortgage , Inc .
Applied for COVID forbearance - Granted Paid back entire 3 month forbearance XX/XX/XXXX.
Faxed request ( per their documentation ) to remove PMI ( Fell to 79.65 % of original value ) Denied on XX/XX/XXXX due to outstanding balance ( of which there was not as of XX/XX/XXXX ) Called and they said : ( XXXX, Supervisor ) PMI scheduled to be removed in XXXX based on ORIGINAL amortization.
I explained I had paid ahead so ratio was below 80 %.
Explained law to them that they were required to remove PMI ( See law below ) and they said I had to file an appeal.
I told them they already had a valid request on file for me and should honor it.
Bumped me to get a call in a few days to speak with another supervisor ...
No resolution ...
Homeowners Protection Act of 1998 : The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the original value.
|
| 02/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I received a loan modification in 2015 in the form of a principal reduction. The terms of the loan will be up in XXXX of this year. Starting last XXXX, I sent an inquiry to Dovenmuehle [ the mortgage servicer ] to find out what I needed to do to get proof that I have fulfilled the terms of the loan modification. I have lost count of the number of times I have called them or emailed them. I have received no less than 8 letters from them, all stating they are working on my inquiry and will respond in the time allotted by law. That does not include the email responses that say the same thing. To date [ 3 and a half months later ], I have received absolutely no form of answer from them, except that they repeat the information I have given them, and then state they hope that answers my question.
I have gone ahead and initiated a mortgage refinance with another company without knowing if Dovenmuehle will accept that I have fulfilled the modification requirements. All I wanted from them was a simple answer, which I can not seem to get.
|
| 12/03/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I originally had a mortgage through XXXXXXXX XXXX which was never paid late. Then on XX/XX/2018 I was shot which I was in XXXX in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXXXXXX XXXX and then to XXXXXXXX XXXX XXXX XXXXXXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXXXXXX XXXX apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
|
| 09/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side.
Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received.
I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.
|
| 12/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
On XX/XX/, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/ to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/ I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/XXXX I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/ I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/ I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. There is no record of those funds in Missouri 's unclaimed property database.
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was approved for the COVID forbearance by Dovenmuehle in XXXX of XXXX for payments of XX/XX/XXXX to XX/XX/XXXX. The first repayment was supposed to be XX/XX/XXXX with the months of forbearance tacked on to the end of the loan. XXXX came around and I had to call to make a payment. My account had not been updated to reflect my new payments so customer service decided it was best I make the usual payments I was making before the forbearance. I repeated this process from then until now, XX/XX/XXXX. The first 3 months when I called to pay I inquired about the end of my forbearance and I was told each time that underwriting would send me papers with options to sign and send back. I still have yet to receive those papers. Fast forward to today, XX/XX/XXXX, I called to make my same payment and I am unable to get through to anybody to make that payment. I logged on to my online account and I am unable to make any kind of payment. The company, Dovenmuehle, has been keeping me in the dark for a while now and I am not sure what to do.
|
| 09/11/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I applied for a loan modification with Dovenmuehle Mortgage which was approved per the attached and the terms of the modification were met. I was to make trial payments XXXX, XXXX and XXXX and the modified loan was to take affect. This never happened and I received NEW documents to apply for a loan modification dated XX/XX/2021 when there was a modification agreement in place and the terms were met by me. The current status is that I am unable to make any payments on the modified loan and unable to make payments at all and am trying to figure out why the mortgage company has reneged on the modification agreement. I am a XXXX vet with XXXX and the first agreement was difficult enough providing the necessary documents and filling out the paperwork, now this company has seemed to have cancelled the agreement in place and requested I apply for yet ANOTHER modification and XXXX my account in that I am unable to make any payments. I feel they are deliberately trying to push me into foreclosure despite their previous agreement.
|
| 10/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.
|
| 05/15/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Math error can not afford payments with math error.
You will see correct payment after escrow was paid in full of {$1000.00}, they took payment {$950.00} XX/XX/XXXX ( which is supposed to be {$870.00} ) overage of {$62.00} and minused it from {$1000.00} ( which I paid in full ) then acted like I never paid XXXX and say now my escrow balance is XXXX ( because of the overage I paid of {$62.00} and are dividing THAT into 12 months. So it equals identical amount of the correct cost of XXXX + XXXX into XXXX.
Last explaination they told me was they ran escrow 3x and when then ran escrow again in XX/XX/XXXX they said the system said Id be short {$950.00} for NEXT year. ( which isnt true because the math I did was exactly matching what I said. ) I said even if so my insurance paid XX/XX/XXXX and you cant jump ahead and just keep running escrows. I said when I paid escrow of XXXX it was approx 5 days after you told me my shortage. You just cant rerun to say I owe more 2 months after the fact its done once a year.
|
| 03/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
At the beginning of this year XXXX, I received notice that my condo insurance provided by XXXX XXXX XXXX XXXX would be cancelled XXXX The mortgage servicer XXXX XXXX and the condo insurance provider agents refused to speak to each other until I conferenced them in on XX/XX/XXXX. Overnight details to make payment were shared yet I came to realize towards the end of the month that a payment was never made, no attempts were made to follow up or confirm that the payment was received. I saw that {$590.00} to pay for the one year of premiums was released from my escrow account but I still had to pay to reinstate the plan out of my pocket in addition the released escrow funds. I paid for a quarter in the hopes that the money would be found. Today I received notice from the insurance provider via mail after a quarter of payment that my condo insurance policy would be cancelled again if I did not pay for the year. Once again, I paid out of pocket. But now I am out {$590.00} dollars because the escrow has not been refunded.
|
| 12/17/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage transferred XX/XX/XXXX. Due to poor mail service, did not receive notice from new mortgage company ( XXXX XXXX ) until after credit union auto pay was sent to old mortgage company ( Dovermuehle ) on XXXX XXXX for {$2100.00}. XXXX. Funds were deducted from my checking account. Payment was never forwarded to new mortgage company. Called old mortgage company on XX/XX/XXXX. Old mortgage company took 30 minutes to find were the deposit went in their system because they lost it. On that call they told me the funds will be deposit back in my account XXXX XXXX. Funds never received in by checking account on XX/XX/XXXX. Called XXXX XXXX at XXXX XXXX ET. Telephone system repeatedly dropped the line while on hold. 90 minutes and 3 calls later, I finally connect to find out the note to transfer the funds was lost and that I should wait longer. I need to pay the new mortgage company and the old mortgage company is holding my money and has yet to return it and I am told that until XX/XX/XXXX, there is nothing I can do.
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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I currently have a mortgage with XXXX mortgage company. It was established in 2006. My loan number is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX CT The mortgage company never filed with my town. My town hall reports my Mortgage was paid of in 2006. They do not report to the credit bureau. Consequently this is hurtful when applying for another mortgage.
My rate is XXXX and I asked to refinance and they say they do not do that. I am stuck in a sun-prime mort and spinning on a wheel.
I have applied for a new mortgage. I qualify.
The problem is there is no report of me paying a mortgage since 2006 and my town hall says the home is paid in full. There is no record of XXXX holding the lien.
XXXX refuses to give my potential new company a VOM. They said I am late. I have not had a payment that was last, past 30 days, in 7 years.
What do I do? I can save $ 500.- {$600.00}. Per month with a lower rate offered by the new lender. XXXX is hold me XXXX.
Thank you for your time, XXXX XXXX XXXX XXXX XXXX
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| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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!!!
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| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We went into forebearance on our mortgage, starting in XXXX, due to COVID-19 XXXX. We were approved for forbearance through XXXX, and I called our loan servicing company, Dovenmuehle Mortgage, in XXXX to find out what our repayment options are. They stated that there are 3 options and one of them is a loan modification, which could allow for an interest rate adjustment. The representative said said she would start the paperwork and evaluate our loan. She said she would keep us posted and we could call them if we have questions. Last week we received a " delinquent '' notification that we were past due on our XXXX payment with a late fee. Not only were we not updated on the status of our mortgage or the XXXX due date, but we were misinformed on our repayment options. I was told we would have the option for a rate adjustment. But the representative I spoke with today said they don't offer rate adjustments. The company did not communicate accurate information nor did they keep us posted on our current loan status.
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| 04/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I paid off a mortgage, and more than a year after I had not received a final statement of my account, until I received my Form 1098 for XXXX this year, which included a balance statement of my account.
One of the entries in the statement details an Escrow Refund amount of {$3.00}, XXXX, which was never received.
When we contacted the company to inquire about the check, they claimed the check had been sent on XX/XX/XXXX of this year, XXXX, and I should be getting it in about 10 days ; when the check did not arrive, we called again!
This time their narrative was that they had made a mistake, and that the check had actually been sent last year, XX/XX/XXXX, so we asked that they provided a copy of the cashed check, then they changed the narrative yet again, saying the check had returned to them, and that they " would issue a new check and I should get it in 3 weeks ... '' In conclusion, they keep giving us the run around and they have kept the money for more than a year! So far, I have not got it.
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| 01/12/2023 |
Yes |
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- Trouble during payment process
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Web |
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13 months of covid -pandemic related forbearance. I was given XXXX funds assistance with an approval that was sent to DMI. The payment to my account # XXXX was made by XXXX XXXX sent via ACH which DMI continues to state they Have not received. I have received XXXX confirmations from XXXX all which were sent to DMI and my loss mitigation rep. It's been 34 days since the payment was sent to DMI, mortgage servicer.
Date : XX/XX/2022 Amount {$62000.00} Account # XXXX XXXX Routing # : XXXX Address : Dovenmeuhle Mortgage Inc Payment Clearing Account Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX indicated the payment included the following Reference : XXXX XXXX XXXX XXXX I need to know why DMI is lying and indicating they have not received this payment. It would be different if they indicated they have the payment and they will process it in X amount of days, but this is not what they are telling me. Confirmations of " no payment '' are done via email.
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| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My hazard insurance was due to XXXX XXXX in XXXX. As soon as I received the bill I contact my mortgage XXXX to have it paid out of my escrow account. They mailed a check on XX/XX/XXXX and never followed up to ensure it was received. XXXX XXXX I received a call from XXXX that my policy was going to expire on XXXX XXXX if I did not make the minimum payment. After being on an extremely long hold period XXXX they told me that there was nothing they could do because they have no reason to follow up on the checks they mail. I told them to wire the money they owed now and they said they don't wire money and the only thing they could do was open an inquiry on the check which will take 5 business days. I have tried to contact them several times and each time I called I spent over an hour on hold and never got a person to pick up the phone. XXXX XXXX tried to call them and got the same results. XXXX now owes me money because I had to pay my insurance policy to keep it. I have been unable to reach XXXX for three days.
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| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/2020 i found i was in a forbearance status with Dovenmuehle Mortgage. i immediately called them and caught all my payments up. In XX/XX/2020, They were dishonest in the manner in which they put me into forbearance and actively called me to ask if i want to suspend payments for 90 days with no penatly. They never mentioned a forbearance status or anything of the sort. I am trying to refiaqnce with another lender and can not do so, because of the forbearance status placed by Dovenmuehle.
I paid my payments, i am 100 % current, any have left 4 messages with their representatives for a supervisor to call me, I have also logged into their website and left 4 emails, all since XX/XX/2020 and no one will respond. I have been on hold for hours, no one answers.
It is my impression they have abused the forbearance rules recently enacted and now are willingly neglecting responding or removing me from such a status or program, despite my repeated attempts.
I have called XXXX and can not get through to them.
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| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with Dovenmuehle Mortgage. I was on forbereance due to Covid for several months and I was able to make payment again afterward. When I made payment for XXXX payment on XX/XX/XXXX online, it doesnt allow me to do so. I then made a payment via the phone and got charged {$10.00} fee. I sent them a message via the online portal in a XXXX asking why I cant make payment online and ask to be refunded my fee but never receive a response.
I made a payment online on XX/XX/XXXX for XXXX payment but apparently it didnt go through and I just got a phone call from them asking for past due payment and that I have to pay a payment fee if I make a payment via the phone. She also told me that there is a block on my account to make payment online. I am appalled that I cant make payment online and get charged for making payment other way. Dovenmuehle Mortgage should make it available for customer to be able to make mortgage payment either online or with an auto pay and for customer not be charged for it.
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| 12/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX/Dovenmuehle Mortgage Inc,they are crooks and they committing fraud,trying to steal my home.XXXX concocted the fraud stating that they raised my monthy payment for almost $XXXX per month ,fraudulently stating that my real estate taxes doubled.(not the case).After numerous complaints,phone calls,letters,emails they stated that the increase was due to my home insurance (stating my home insurance is $XXXX per annum (while in reality insurance is $XXXX).They continue sending me letters stating my home is being placed into foreclosure and fraudulently demanding extra $XXXX to be paid.myself and my family had to sell car,diamonds ,paintings and other valuables at the fraction of the price.Refinancing loan ,saving us $XXXX in mortgage during the life of loan did not get through due to false credit reporting by XXXX.XXXX/Dovenmuehle is a fraud and need to be shut down in USA.Need your help to recoup financial damages and this fraud of a company need to be shut down, or be highly overseen by government.
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| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred from XXXX XXXX to XXXX in XX/XX/XXXX. My mortgage was suppose to include escrows. XXXX stopped collecting escrows for RET and Insurance. I called them multiple times and send an email, both to their corporate email address and the secure messaging service. I was told this would be resolved but it has not and now my taxes are past due ( XXXX shows enough funds in the escrow to make the installment ). The mortgage was transferred in XX/XX/XXXX and the new servicer doesnt show the escrows being required.
Furthermore even though I had an insurance policy in place, XXXX put in force a XXXX policy using my escrow funds when they took over the loan. My agent provided proof of coverage over the last year, and although they showed the new policy in effect they have yet to refund me for the policy they put in error.
XXXX refuses to address these concerns primarily the insurance policy issue. My new servicer is telling me this needs to be resolved by XXXX and not sure what to do.
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| 07/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The bank Dovenmuhle is withholding my escrow amount of {$4000.00} for the past 7 months. It is very difficult during this unprecedented times and the bank is not responsive in returning the money. I refinanced my mortgage with this bank on XX/XX/XXXX. Therefore, under law I am entitled to my escrow amount. Below are the times I have contacted the bank XXXX - First inquiry was made to request status of the check. I was told the check will be coming.
XX/XX/XXXX, XXXX Second inquiry was made to request for the check, I again was told it needed to go through the system so I should get it in 30 days.
XX/XX/XXXX - Third inquiry was made to request for the check, I was told it is in the mail XX/XX/XXXX XXXX Fourth inquiry was made to request for the escrow check, I was told by the supervisor XXXX XXXX XXXX , the check is coming.
Today is XX/XX/XXXX. I have been waiting over 7 months. Coronavirus is a difficult period of time. For the bank to withhold money to ordinary people, is immoral and unethical.
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| 04/07/2023 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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Good day, Back in XX/XX/2022 I was a few day late on my mortgage bill, but I have spoke to the company and we worked out a solution. They referred me to HUD and I applied for texashomeowner assistance. During the process I was in communication with them. I have spoken to a few agents and also supervisors regarding my loan and they assured me that since I'm was on an active loss mitigation that my credit would not be compromised. I explained to the company that I am XXXX XXXX and my security clearance may be taken away if my credit score drops. That when a supervisor stepped in and mention I should be fine. Therefore taking their word I trusted the company. I was still paying my monthly bill as agreed While on loss mitigation, Texas homeowner assistance was approved by the state and they paid over {$5000.00}. With that payment my account was up to date then it was transferred to a different company. I again called the loss mitigation department to insure that my credit reporting was not compromised.
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| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This Complaint involves my mortgage company, XXXX and its mortgage servicer..
Please see the attached Addendum that includes a detailed timeline relating to the subject matter of this Complaint, as well as a copy of my most recent ( XX/XX/22 ) Mortgage Statement. No additional documents have been attached because it is anticipated that there will not be any factual disputes between myself and the mortgage company.
Simply put : I was granted a COVID-19 forbearance ; I resumed my contractual responsibilities upon the conclusion of the forbearance ; the Company and I agreed as to the post-forbearance option to address the missed monthly payments during the forbearance. The ball has been in the Company 's court for many months to complete the Payment Deferral Agreement and bring the mortgage current by sending monthly statements that don't reflect " Delinquency Notice '' and other derogatory ( and untrue ) terms.
I have been extremely patient with these people but enough is enough. Sanction them!
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| 06/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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The loss mitigation company is dragging out the process to resolve the issue. I know they will assign someone to go through and look at their logs to confirm everything so I'm not going to waste my time entering dates in detail. On XX/XX/ they said it would be 30 business days to get the final loan paperwork to us for the modification. The week prior to XXXX XXXX, they said documents would be sent on the XXXX, however, I called back around the XXXX and they had not. They just make excuses that it's being processed and it takes longer some time. As they have the entire time when waiting on them. Now I'm making payments through their automated payment method and it's costing me money waiting on them. I can't make a payment through my bank because it doesn't reflect in the system. I can't mail a payment because I don't trust it will make it. Dovenmuhle has sent time-sensitive documents that show up well after the action date on the document. I just want them to get it done, and move on with my life.
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| 01/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2018, I made an online payment by error to a paid off loan with Dovenmuehle Mortgage that services XXXX XXXX XXXX XXXX. This payment was supposed to go to XXXX who also services my current mortgage with XXXX XXXX XXXX XXXX. I contacted Dovenmuehle on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018 XX/XX/2018, and up until today 's current date to recover my funds and they keep stating with no supporting evidence that they forwarded my payment to XXXX. XXXX can not locate the payment. The payment amount was {$2300.00}. I am currently suffering from financial hardship due to a XXXX and this missing payment is not only causing my family emotional distress but also contributing to pushing me into foreclosure due to missed payments.
Please help. The following companies are parties to my complaint.
XXXX XXXX ( originating bank in which my payment came from ) Dovenmuehle Mortgage ( previous loan servicer that received my payment in error ) XXXX ( current mortgage company )
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| 08/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Received Notice of Servicing Transfer from XXXX ( by Dovenmuehle Mortgage IncXXXX " DMI '' ) for my home loan. That is their right. However, if my understanding is correct, according to 12 CFR Part 1024.33 ( b ) ( 3 ) ( i ) General, the transferor ( XXXX [ DMI ] in this case ) is required to provide notice to the borrower not less than 15 days prior to the effective date of the transfer.
We received the notice on XX/XX/2022 ; the effective date of the transfer is XX/XX/2022. That is only FIVE DAYS. We should have received the notice no later than XX/XX/2022. No excuses of the mail running late is acceptable on their end. None of my other mail has been delayed ( including from the XXXX XXXX ) even factoring a 5-7 days turnaround time the USPS has stated. If I was late on my mortgage payment, XXXX would expect me to pay a late fee right? It is XXXX 's responsibility to ensure the notice gets to the borrower ON TIME.
XXXX is in violation of 12 CFR Part 1024 as stated above and should be fined.
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| 08/11/2020 |
Yes |
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- Trouble during payment process
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Web |
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I bought the home on XX/XX/XXXX. Money placed in Escrow to pay insurance on home. The insurance due this year on XX/XX/XXXX. I received the invoice and called the mortgage company to ensure it would be paid. They said when they received in the mail. I called insurance company to make sure it was mailed to the mortgage company and it was. I received another letter stating insurance was not paid on XX/XX/XXXX. I called again to mortgage company they stated did not receive bill. I ask them to call insurance company while I was on the phone, they refused. I ask what could be done. They said it was my responsible to ensure insurance was paid. I called Insurance company again had them fax bill and declaration over. I called Insurance company the next week to ensure it was faxed on XX/XX/XXXX it was and I called Mortgage company ever since with no response and still unpaid insurance bill. I called my lender guy I work with to help he said he would and get legal team on board and still unpaid.
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| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a delinquent letter from my County about my 2020 property taxes in XXXX, which was strange because when you review my online account with Dovenmuehle they show 2 payments. I investigated with the County and they have no record. I called Dovenmuehle 4x and they never offered to help or open a Support Case, finally I called my originating local bank and they opened a Support case on my behlaf and the only response was " it will be 5-10 business days to investigate '' ... .a month went by and nobody ever did anything. Now my local bank got involved and they can't get an answer. Nobody at Dovenmuehle will respond to call or emails. I've asked Dovenmuehle for specif dates and amounts and " cleared payments '' they will not provide. The only response I've gotten from Dovenmuehle is when I gave them a bad phone survey, they tried calling me 3x to talk about the survey, but not actually solve my problem. When I spoke to the Surveyor, he said " oh I can only help with the survey ''
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| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I tried to apply for bi-weekly payments. I completed the form and returned it to the servicer XXXX Dovenmuhele ) and they did not process it. When I called them they said it was put in a " suspense '' folder but that there wasn't a reason for it to be in a suspense folder. Then she said I needed to submit the form a second time. This is very common with this servicer. They do not do what they are supposed to do the first time. They take no ownership of problems and then they want the customer to do something again because they can't do their job correctly the first XXXX second or third time ). Then they suggested that I email it to them using a method which is not secure which does not protect my non-public information. Because of their error, enrollment in this program will be delayed another month. I asked for some sort of expedited processing, however they refuse and say I just need to re-submit the form and it will sit at the bottom of the line until they decided to look at it.
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| 06/29/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I had already attempted to have my case looked at through CFPB case # XXXX They closed it based off the Lenders response.
I am attaching my information through a letter I am sending XXXX XXXX tomorrow.
I have emails from my HUD certified counselor proving " Dual Tracking '' during All 3 Foreclosures. 2 have been vacated. The next one is XX/XX/XXXX I still have XXXX Notices of " Error of Resolution '' still active. XXXX is still going to move forward with Foreclosure. Promise!
With a Notice of " Error of Resolution '' active they can not move forward with the foreclosure sale.
Attached are also the Letters of " Reviewing File '' confirmation. Most recent was XX/XX/XXXX I qualified for a " Covid Recovery Options '' and/or " Standard Loss Mitigation XXXX XXXX XX/XX/XXXX.
Contact with my HUD Counselor XX/XX/XXXX made my " Loss Mitigation Complete '' because I was working with a certified HUD counselor.
Communication between my counselor, XXXX and XXXX will prove my claims.
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| 07/03/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have submitted several complaints now.
Please see the most recent one.
This company continues to try to collect on months that were approved for forbearance.
In fact their response to my XX/XX/XXXX states the following 1. Forebearance was extended through XX/XX/XXXX ( this means the first payment was due XX/XX/XXXX ) 2. Im overdue from XXXX XXXX Both of those things clearly can not be true My XX/XX/XXXX complaint was about exactly that- they are trying to collect on XXXX.
How can I be both approved for an extension making the first payment due XX/XX/XXXX and also be overdue since XX/XX/XXXX? Both can not be true. But in the response to my XX/XX/XXXX the company again states XXXX. My forbearance is extended through XX/XX/XXXX XXXX. Im overdue on payment from XX/XX/XXXX Again both can not be true.
This company just straight up lies.
My next move after the reply to this current complaint will not be to file yet another complaint but rather yo get legal representation.
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| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/20 I sold my property. The mortgage, held by Dovenmuehle, was paid in full.
The balance of the escrow account at the time was {$3000.00}. On XXXX an additional automatic payment was deducted from my bank account in the amount of {$1900.00}. The total due to me is {$5000.00}.
To date I have not received any refunds. Dovenmuehle website shows two payments were made to me on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$1100.00} and {$1900.00}, but those checks were never received. I have a mail forward to my current address, so any checks mailed to the property address would be forwarded to me.
The escrow account currently shows a balance of {$1900.00}. I have called three times since XXXX and have been promised that someone will fix this and send me my money, but no-one has.
As it has now been over 4 months since the account was closed, I would appreciate your prompt attention to this matter and to the issuance of the refund, which currently stands at {$5000.00}.
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| 04/13/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am experiencing financial hardship due to the COVID-19 virus and am currently unemployed. I have contacted Dovenmuehle mortgage company to apply for forbearance according to the terms of the CARES Act. Dovenmuehle is only responding by mail with ATTEMPTS TO COLLECT A DEBT when the mortgage payments are not behind, the letters they are sending have been back-dated prior to my initial contact with them, and the are saying they are going to have an appraisal done on my property that I will be charged for so they can complete a loss mitigation application. I only want to forbear payments for 180 days as is allowed by the CARES Act. This is a federally backed FHA mortgage. It's my understanding I can do this without further documentation, or fears of late fees, interest, extra penalties, or being reported to credit bureaus. Dovenmuehle in my belief is not in compliance with federal law and is putting additional stress and potential costs to consumers who are acting in good faith.
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| 03/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We thought that we resolved this issue with DOVENMUEHLE MORTGAGE INC and have a letter from them, to both Consumer Financial Protection Bureau and us, stating that they would resolve the issue and that they had sent a check to rectify their mistake to our escrow account, however our new mortgage company has not received the check for {$6000.00} that they stated to have sent to our new mortgage company, XXXX XXXX, on XX/XX/2020. I have tried to get an answer as to why I have not received the funds that they stated were owed to us, only to get a different answer every time I call. I have tried to resolve this issue with them, again. After 3 months of waiting, we would like to know why we have yet to receive our escrow money in the amount of {$6000.00} sent to our new mortgage company. I have attached the letter that DOVENMUEHLE MORTGAGE INC sent us stating that they sent us our missing funds on XX/XX/2020. The letter is dated XX/XX/2020. We have still NOT received the check.
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| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hi.
We have confirmed our mortgage is owned by XXXX XXXX and was eligible for Covid-19 forbearance program starting XX/XX/2020 via the CARES Act. Per the CARES Act, all eligible mortgages were granted a maximum 18 month forbearance.
On XX/XX/2020 we contacted our previous mortgage servicer ( Dovenmuehle Mortgage, Inc. ) about covid-19 forbearance. They gave us the run around from the start ( threating us with foreclosure ), but eventually transferred our mortgage service to XXXXXXXX XXXX in XX/XX/2020.
Meanwhile, since we had a legally standing maximum forbearance of 18 months per the CARES Act, all servicers were prohibited from reporting any negative adverse actions to any credit agencies during this period.
Recently we went to obtain our credit reports and Dovenmuehle reported our payment status as 120 days delinquent on XX/XX/2020 ; which greatly affected our FICO scores.
How do we remedy this since they are no longer the servicer of our mortgage?
Thanks.
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| 12/05/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS.
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.
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| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle is a very unorganized establishment, Ive gotten three different payment plans during the covid reliefs program. They have all been inaccurate and nobody at the company can give me a straight answer as to when Im to resume payments. Ive asked to speak to supervisors on multiple occasions and they tell me they can not transfer someone to one. I would have to schedule a call back, Ive done that and still havent received the call back a week and a half after it was scheduled. They dont take peoples lively hood into consideration. These are serious matters with very untrained unfriendly staff. Ive never missed a payment before this and dont want this to hit my credit as a late payment and ruin the track record that Ive had. Every letter has different amounts thats to be deferred, different amount of payments being deferred & different due dates. Out of three representatives, none of them have had consistent information and talked to me as if I was the problem.
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| 12/15/2019 |
Yes |
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- Trouble during payment process
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Web |
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At the beginning of my loan i set up Bi Weekly payments and asked my lender to apply any payments as soon as received. XXXX XXXX XXXX/ Dovenmuehle Mortgage INC.
Then i filled out the form that came by mail with first time home buyer consumer info.
XXXX Bi-Weekly Administration. ID # XXXX. Referance I.D. XXXX XXXX
And i make sure funds are there weekly as if Bi-Weekly is good Weekly should be better.
After wondering why my Loan completion date has not changed or Amount owed i inquired and have been told by XXXX XXXX that they hold the payments and apply as soon as the amount due arrives. I inquired into why and she told me thats the way they do it. Then a teller tells me that any amount i pay can be applied at any time. Well i thought i was apply $XXXX per week for 6 years and the money comes out of my account every week why is it not being applied.
The forms for the Bi weekly were filled out prior to XX/XX/2014 and money comes out of my wifes account weekly.
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| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.
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| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I received an escrow cancellation letter on XX/XX/XXXX, advising I have until XX/XX/XXXX to keep the escrow account open. A complaint with CFPB was filed in XXXX ( XXXX ). In the initial complaint, an escrow waiver was requested out of frustration. The escrow account was finally set-up. I spoke with a representative in XXXX regarding the escrow account and advised I would like to keep the escrow account open. My first escrow payment was due and sent for XXXX. Only to receive a letter on XX/XX/XXXX, notifying the escrow account is waived. And I had until the XXXX to keep the account open. It is difficult to get information conveyed by phone to the right department. The letter also mentions the penalty amount of {$130.00} for taxes was disbursed. However, I was told only XXXX was paid and the XXXX was not added to my escrow account. As I advised in my initial complaint, the tax penalty was paid by me and I would like the penalty funds added to my escrow account.
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| 06/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ref. : COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2020 Greetings, with reference to our complaint referenced above against Dovenmuehle Mortgage Inc, and its affiliate XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX Please note the following developments : 1. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in fixing our billing statements, to match the Mortgage Note terms and conditions.
2. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in acknowledging the Mortgage Note terms and condition and continued its fraudulent billing behavior.
3. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, in a desperate attempt to escape it responsibility and legal liabilities ; they notified us today via mail ( XX/XX/2020 ) that they are transferring our loan to a new servicing agent " XXXX XXXX XXXX '', XXXX XXXX, XXXX, CO XXXX.
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| 04/19/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been working with the XXXX XXXX XXXX to pay my past due mortgage balance. They submitted payment on XX/XX/21. This has not been applied to my account. My mortgage is held by XXXX XXXX XXXX XXXX and serviced by XXXX. I have contacted the servicer regarding the missing payment and incorrect mortgage statements. I called on the following dates and spoke to representatives and the statements still haven't been corrected. XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have spoken with the servicer seven additional times in XXXX in an attempt to have them respond to the XXXX XXXX XXXX. They provided then Program with an incorrect monthly payment amount and still have not corrected this information. My loan is still being reported as unpaid and past due. I have spoken to customer service, loss mitigation and collections. No one is able to take accountability or solve the actual problem. They do not return follow up calls even though they say they will
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| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
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.
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| 02/26/2019 |
Yes |
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- Trouble during payment process
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Web |
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I purchased my home in XX/XX/2012. I have had nothing but hassles since that time.
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters.
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees.
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.
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| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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My mortgage servicer was transferred from Dovenmuehle to XXXX mid XXXX, with the XXXX payment due to XXXX. I have verified with XXXX that this is correct. I received notices in the mail from Dovenmuehle, XXXX and XXXX verifying this.
Since this time, Ive made all required payments to XXXX and am in good standing with my mortgage.
Since late XXXX, Ive received multiple calls from the collections department at Dovenmuehle, that I am delinquent on payments. When I inform them that they are no longer the servicer, they inform me that they show that is incorrect and I need to make a payment. Ive talked to their customer service department twice about this and have emailed them proof ( the letter they sent me, along with the letter from XXXX and XXXX ), but have yet to hear back. Additionally Ive received a collections letter from Dovenmuehle, stating I owe them two months payment and if not received by XXXX, they will start the foreclosure process.
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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Web |
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We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.
|
| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
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Dear CFPB, XXXX XXXX XXXX Re : loan # XXXX DMI I am reaching out fir your help after to nearly 7 months of effort requesting a forbearance extension.
In XX/XX/XXXX, I was approved for a 3 month forbearance under the CARES Act COVID related forbearance, for time period XXXX XXXX XXXX
On XX/XX/XXXX, per the original forbearance approval letter and verbal instructions, I requested a 3 month extension on my forbearance.
In XXXX I began receiving collection calls and the servicer began requesting payment in full for the missed payments while in Forbearance under CARES Act.
I have been working with them for months, to no avail, on forbearance.
I have attached phone record history and email/ loan solution center history showing my immediate responses of requests for documentation.
During this time perid DMI has negatively reported my mortgage account which has resulted in numerous creditors reducing my credit lines and damaging my credit score.
|
| 04/16/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Dovenmuehle Mortgage , Inc. failed to provide notice they had sold my mortgage to another lender. I learned of the sale while attempting to make payment on the debt to them.
Their failure to provide sufficient notice may lead to a late payment ( accounts have to be setup, and managed for a new company, need to obtain new loan info ... right now and I don't have the time budgeted to accomplish these tasks ). Yeah, I'm on hold with the new company right now because the new company is " experiencing longer than normal call times '', and I am concerned with the potential for a negative report on my credit because of this fiasco. Any help?
I only elevate it to the CFPB because this company has previously reported false negative information to the credit bureaus following an error with their phone pay system. By refusing to retract the negative information they have effectively barred me from shopping for an alternative lender. Pretty darn unfair.
|
| 05/31/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways
|
| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX telling me to make my XXXX XXXX payment to them at a new PO Box number in XXXX, Tx. I mailed it to that box number, and, according to the photo I have of my canceled check under the Dovenmuehl number, they deposited it in their account at XXXX XXXX XXXX under XXXX on XX/XX/XXXX.
When I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke to XXXX, he looked up my new loan number, and told me I should pay my XXXX payment to Dovenmuehl, their former servicer, and the XXXX payment would go where it needed to be, but he could not say where or when that might be, or even whether they had a record of it. They dont have the Dovenmuehl number on their system.
Then I spoke to Dovenmuehl at XXXX. They say they do not have my XXXX payment, and I have to send it to them ( again ).
So no one has a record of my payment, even though I have the the date and the account number where it was deposited.
|
| 07/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We paid our loan in full on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called to inquire about disbursement of the funds in both the Escrow account and the Buydown account as I had not received either, to which Dovenmuehle could not locate nor seem to understand our buydown account and after 25 minutes on hold the account was located and confirmed to have not been disbursed. I had to request that the account be refunded ( which is a problem in itself ) to which I was told it would take 21 business days. After 21 business days ( XXXX XX/XX/2020 XXXX the account was flagged as needing to be reviewed by the Special Funds department and as of today, XXXX XX/XX/2020, the funds in the buydown account have not been released by Dovenmuehle Mortgage, nor can the Special Funds department be contacted directly by the customer. I have called Customer Service six times over the last two months about this issue. The buydown account has over {$1700.00} in it.
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| 03/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/ I purchased a home and closed with XXXX XXXX ; Soon thereafter, they transferred servicing to XXXX XXXX XXXX. There was approximately {$6000.00} in escrow / impound to pay the property taxes when XXXX XXXX XXXX inherited the account which were due in XXXX. I contacted XXXX on XXXX to inform them that I had received a new tax bill but the amount had not changed. I also inquired about payment of the XXXX installment because it was not showing up on their website as planned money going out. They assured me that the taxes will be paid.
On or around XX/XX/XXXX, XXXX transferred servicing to Dovenmuehle Mortgage and the loan was transferred to XXXX XXXX XXXX. I have contact both XXXX and Dovenmuehle several times regarding payment of property taxes. XXXX says they no longer hold the servicing and can not do anything about it. Dovenmuehle says they will take care of it but then fail to do so. I can not get a supervisor to call me.
|
| 05/07/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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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.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
In XXXX, Dovenmuehle Mortgage company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) overpaid my property taxes by about {$620.00}. I put in a request with my local revenue department to receive a reimbursement check for the overpayment. By the time the reimbursement was processed and sent to Dovenmuehle, my mortgage was transferred to a different mortgage company ( XXXX XXXX ). As of XX/XX/XXXX, my new mortgage company has still not received the check of {$620.00} which Dovenmuehle and my local revenue department have both confirmed Dovenmuehle cashed in XX/XX/XXXX. I have called Dovenmuehle three times, each time waiting on hold for several hours at a time. Dovenmuehle customer service supervisors are unable to resolve this issue which is complicated by the fact that my account has been closed, and they are unable to give me a time frame in which they will resolve this issue. Dovenmuehle is withholding {$620.00} worth of my money.
|
| 04/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage Company is refusing to remove the PMI from my mortgage payment /escrow account event after my property 's " As Is '' value ( as referenced from Dovemuehle 's documentation ) brings the LtV well below the company 's required LtV of 80 %.
I have recently had an appraisal done which indicates that my property 's value is $ XXXX ; this appraisal was not ordered by Dovenmuehle. While Dovenmuehle does require that they order the appraisal, Dovenmuehle has provided me with documentation which confirms that they are aware that my property 's LtV is well below 80 % without the need for an appraisal.
I have made several attempts to resolve this matter with Dovenmuehle, but they continue to give me the run arounds, and appear to be calculating the LtV using my loan balance - loan amount versus loan amount - property value.
I have emails and documentation from Dovenmuehle which confirms the dates and amounts in question.
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.
|
| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is a second complaint I am filing about Dovenmuehle Mortgage Company. Previous complaints # XXXX.
Instead of clearing the problem they created they have now sold my mortgage to another company. The XXXX XXXX XXXX is issuing an refund to Dovenmuehle for taxes that they paid after I already did.
I am still paying Dovenmuehle & now the new mortgage company XXXX XXXX over $ 3200 monthly till the payment is received from the XXXX XXXX XXXXXXXX to Dovenmuehle. Who will send to new mortgage company. It now becomes the new mortgage companys problem according to my last communications with Dovenmeuhle. I received mortgage transfer notice on XX/XX/XXXX which states XX/XX/XXXX is the transfer to XXXX XXXX.
I have asked multiple times to remove escrow account which the mortgage never had. This is causing my monthly payment to over {$2200.00} extra these last 3 months. I then have to get my refund from the new company I was told today.
|
| 07/17/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I began the loan Assumptions process with my current mortgage lender, Dovenmuehle back in XX/XX/XXXX post divorce. I submitted all required documents in XX/XX/XXXX and told the entire process takes about 6 months total. As of today, XX/XX/XXXX, I have inquired multiple times as to the status of my loan. I am getting responses that my requests are being escalated to the underwriter but the underwriter doesn't seem to be working my file. I am growing exceedingly frustrated as I would like to know if I am approved or not. I have been responsive and timely. Dovenmuehle has not and continues to delay my loan for small things like me failing to write in my loan number on the loan application in an area that clearly states to be completed by the lender. I fear they do not have the competence to complete my request nor the courtesy of keeping me informed along the way. I am beyond frustrated and would appreciate an answer within 30 days.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX I was involved in a car accident that put me behind in my bills due to loss of income. I called the my Mortgage company to let them know what was happening and was met with immediate hesitation and difficulty trying to get the facts and the process initiated just to star the process of modification and/or forbearance. It is now XX/XX/XXXX and I have submitted Loss Mitigation applications no less than seven times. In XX/XX/XXXX I was granted a mitigation hearing where the presiding judge found in my favor based on the proof of documentation and compliance with Dovenmuehle Mortgage's process. I have a an upcoming hearing on XX/XX/XXXX with the same judge as of XX/XX/XXXX I received and email that stated that the information yet again is not in the proper format or cannot be accepted. I have live at my residence since XX/XX/XXXX and have never missed a payment. I feel that this situation will cause me to lose my home.
|
| 09/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payment is about {$1100.00} a month. I made a payment in XXXX of {$1700.00} with intention of extra money to go toward the principal balance, the Dovenmuehle Mortgage company applied extra money to the escrow account instead of principal balance. They did it on their own with out my consent. This is not a first time they are not providing proper service on XX/XX/2020 I have made an extra payment in the amount of {$600.00} and company held a payment in the air until XX/XX/2020. I found out that they hold the payment in the air on XX/XX/2020 about this issue and it took several more calls for me in order for them to apply the money to there it is suppose to be applied. So my loan was accumulating interest all this time. Now it is a second time the money was not applied the way intended. It seems that this mortgage company uses people 's money as they please, and money they receive do not go to there people expect to.
|
| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my mortgage with XXXX XXXX, which closed on XX/XX/XXXX. I prepaid my XXXX property tax at closing. The mortgage is now serviced by XXXX XXXX affiliate Dovenmuehle Mortgage , Inc .
The property tax was due in XX/XX/XXXX. Despite numerous messages through the " secure messaging '' section of website and phone calls I made to XXXX XXXX in XXXX and XXXX, my property tax was not remitted by XXXX XXXX until XX/XX/XXXX. I've attached the secure messages sent through their website.
This cost me a tax deduction that I can not get back.
IRS deduction limit is {$10000.00} per year in state and local taxes. I will have {$6800.00} in sales tax to deduct, and because of XXXX XXXX XXXX mistake, I will have no property tax payment to deduct to get me to the $ XXXX limit in XXXX. My IRS marginal tax rate is 35 %. So the XXXX late payment cost me {$1000.00} ( {$10000.00} - {$6800.00} = {$3100.00} XXXX 35 % = {$1000.00} ).
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| 06/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
DOVENMUEHLE MORTGAGE is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020 and XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was hospitalized with no pay due to hospitalization ... During my hospitalization I had minimum access to my banking and paying bills ... thus my auto pay to Dovenmuehle was returned by my bank. After contacting Dovenmuehle and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank Dovenmuehle can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.
|
| 05/18/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
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
|
| 11/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects.
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?
|
| 02/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had just received a response from Dovenmuehle regarding incorrectly charging me for two insurance policies and increasing my monthly payments from XXXX to XXXX and change. I dont understand why they have now changed my monthly payment from XXXX to XXXX for 12 months. They claim I have a shortage in my escrow which is true since requiring to get windstorm insurance and then paying the XXXX insurance out of my escrow. But increasing my monthly payments by XXXX for 12 mths because of a shortage of XXXX, doesnt make sense!! I demand to know why I am being charged this amount for 12mths! I have attached your last explanation and its incorrect. You stated the increase is only XXXX. Clearly you dont know Basic math!! Please see attached documents and explain to me how you can justify this increase of XXXX for a year!! Why dont you allow us to make the payment to my escrow for the shortage?? You are criminals! Escrow fraud!!
|
| 05/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On about XX/XX/20 I called Dovenmuehle to discuss the payoff of my mortgage. I was given a payoff amount of {$160000.00} as of XX/XX/20. I make my payments via XXXX XXXX bill pay online. I made a {$50000.00} payment on XX/XX/20, two XXXX payments on XX/XX/20 and a {$13000.00} payment on XX/XX/20. When I looked online I saw that these payments were not completely applied to principal. I called back on XX/XX/20 to ask them to reallocate the payments. I was told that would not be an issue and would be done in 3-5 business days. When that did not show up online I called again around XX/XX/20. I was told they could not do that and that the new payoff amount was {$530.00}. There is not a prepayment penalty clause. I had the same issue years ago with another company and they reallocated my payments with not issue. Of the 4 original payoff payments they only allocated {$160000.00} to principal. I feel I am owed {$3200.00}.
|
| 10/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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Ive applied for loss mitigation assistance in XX/XX/2022, it took well over a month for the mortgage company to look through the documents I submitted and accept them, I submitted them multiple times, the exact same documents, yet they were deemed incomplete until finally on XX/XX/2022 they deemed them completed. During that time I attempted to contact my specialist with no response what so ever from her. I was given documents that stated I will receive an answer in XXXX calendar days, on XX/XX/2022 I called back from an update. I was told I need to give it an additional XXXX days as their policy is XXXX calendar days. I gave them the XXXX days. I called and spoke to my specialist, finally, and was told he would look at my application that week, the week of XX/XX/2022. It is not XX/XX/2022 and I have not had any updates, nothing from my specialist, and all customer service reps refuse to help me with anything.
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| 01/20/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I am a XXXX, service connected, and I have submitted both a letter and statements from the XXXX County Property Appraiser office indicating that the taxable value for my home is {$0.00} and the customer service representatives, to include a supervisor name XXXX, has stated that these documents are insufficient. Based on their non-acceptance of these documents, which according to the XXXX County Property Appraiser ( XXXX ) are the only documents they can provide. The XXXX says they can not provide an official tax statement prior to the end of the tax year and Dovenmuehle Mortgage Inc is demanding one now in order to adjust my escrow to reveal a {$0.00} amount for property taxes, instead they have raised the amount of taxes to be paid for 2017 which is WRONG. I do n't know if this is an issue because the mortgage company is outside of FL or not ; but according to XXXX these documents have always been sufficien.
|
| 10/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My hazard insurance was paid upfront at closing for 1 year and 3 months. After 1 year XXXX/Dovenmuelle contact me with several threatening letters stating I need to buy. I contacted insurance company and they said XXXX refused to pay and only called asking for EOI. XX/XX/XXXX was end of policy. It even states it will renew automatic unless I contacted them. I had insurance company extend coverage on XX/XX/XXXX so they could send bill. 14 days later they cancelled policy. XX/XX/XXXX I reached out to XXXX and Dovenmuelle explained they were not abiding by closing agreement and mortgage agreement. XX/XX/XXXX they purchased a policy 3x more expensive, and doesn't cover my family or belongings. They still, even with me sending my mortgage agreement, will not return my money from escrow and threatened me with foreclosure while I'm under forebearance and fined me for late payment under forebearance Please help me
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| 10/15/2020 |
Yes |
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- Trouble during payment process
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Web |
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Company 's response to initial complain was not factual, re-submitting Complaint # XXXX Dovenmuehle response was filled with untrue statements, I reached out to this company XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. Made several calls, all my concerns fell on deaf ears. i reached out to Consumer Financial Protection Bureau for help resolve.
Yes, I understand the information provided by Dovenmuehle, is not factual and my concern has not been addressed. I never received a call a letter and I certainly have not received a check from Dovenmuehle as stated in their letter.
The {$2100.00}, Dovenmuehle mentions in the letter is the amount my Mortgage would be if I opted to pay the overage of {$280.00}, over 12 months. if I opted to pay the {$280.00}, in full my payment monthly payment would be {$2100.00}. I paid double the amount requested, and asked for a re-calculation of my monthly payment.
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| 10/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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|
Web |
Older American |
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OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.
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| 04/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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We obtained a 30 year fixed mortgage from Dovenmuehle Mortgage Inc. on XX/XX/2017. We bought the property for {$150000.00}. The appraisal came in at {$240000.00}, and our loan was only for {$150000.00}, which gives us approximately 40 % equity in the property. Even though our equity on the property is significantly over the 20 % equity required to waive PMI, XXXX refuses to waive it claiming that they honor the appraisal or purchase price whatever is lower. This seems completely unfair and is just a way for Dovenmuehle Mortgage Inc. to make additional money for something that is not necessary. We have an excellent credit score and we have significant assets to cover this loan which was shared with the bank at the time of the application. We are not a high risk customer, and with over 20 % equity owned in the property, Dovenmuehle Mortgage Inc. should be fair and waive this PMI requirement immediately.
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| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I have recently started the application process to receive a mortgage relief grant through the XXXX XXXX XXXX XXXX. However, I have been informed that my application can not be processed because XXXX is not currently participating in the program.
According to program requirements, mortgage relief funds granted to qualified homeowners would be sent straight to their servicer to pay off delinquent payments. If a servicer is not participating in the program, the applicant is not eligible to receive these funds.
I believe I meet the qualifications for the program and have all the necessary information ready to submit. However, without XXXX 's participation, this process can not be completed, and my mortgage will remain delinquent. I would like to request that XXXX contact the XXXX XXXX XXXXXXXX XXXX and sign up to participate so that I and many others can get their mortgage delinquencies caught up.
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| 08/25/2020 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
On XX/XX/2020 Dovenmuehle responded to our concern about which document is acceptable. They stated that according to CFPB Rules, a court appointed representative for the estate is required meaning that they would either need Letters of Administration or Letters Testamentary. Dovenmuehle further stated that the rules do not reference an Affidavit for Collection as an approved document. Please see the attached letter.
In reviewing CFPB 's website, no where could I find any reference to Letters of Administration nor Letters Testamentary. I only found this information. https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/, which does not reference any court documents needed. I have also attached a screenshot.
Here is were our confusion lies and would appreciate your help in clarifying which if any court documents are required by CFPB. Thank you
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| 04/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We closed on our house at XXXX XXXX XXXX in XXXX, Idaho, XXXX. We finally got our settlement statement. We moved to our property at XXXX XXXX XXXX, XXXX XXXX, Idaho XXXX. They sent it to our document dated XX/XX/XXXX, that we received today ( XX/XX/XXXX ). The loan was through XXXX XXXX XXXX XXXX. The loan was serviced by Dovenmuehle Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ill. XXXX. Phone XXXX. We paid off the XXXX XXXX XXXX property XX/XX/XXXX ( when we mailed the check ) that is serviced through XXXX XXXX XXXX XXXX, serviced by Dovenmuehle Mortgage ( same as above ). We have yet to receive that payoff statement. I am sure it will be sent to the XXXX XXXX address. We have called, sent in forms to get the address updated, etc. To no avail. This is important sensitive documents that I need to be finalized and in my possession. There is no reason that this huge time delay pushes me around.
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| 05/21/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX.
Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX.
I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage.
Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!!
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
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| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle Mortgage is delaying the PMI removal process without any justification. I have contacted the company agents a number of times over the phone since XX/XX/XXXX and agents have repeatedly mentioned that I would receive a letter in the mail but I have yet to receive it. Today, on XX/XX/, I have contacted them again and the agent ( XXXX, ID # XXXX ) mentioned that Dovenmuehle Mortgage had an internal error, he will put in a new request and I need to wait again for another 10 business days the letter to be processed. Why should the customer keep waiting for Dovenmuehle Mortgage 's internal error? Dovenmuehle Mortgage must expedite the process, send the letter and initiate the PMI process right away without any further delays as I meet the criteria for removal. Each single day of delay by Dovenmuehle Mortgage is leading to the financial implication to me as I am incurring PMI cost unjustly.
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| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My mortgage was recently transferred from Dovenmuehle Mortgage to XXXX XXXX in XXXX. All of their written communications said that any payment made to Dovenmuehle before the transfer for XXXX payments would be automatically forwarded to XXXX XXXX. I made a mortgage payment for the month of XXXX to Dovenmuehle on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to XXXX XXXX. It still has not been. In order to pay my mortgage for XXXX through XXXX XXXX I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which Dovenmuehle or XXXX XXXX still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.
|
| 07/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Mortgage company claims to have paid {$400.00} for my homeowner 's insurance from my escrow account on XX/XX/2020. My insurance company claims they did not receive it. In trying to get the situation resolved, the mortgage company just sent another {$400.00} from my escrow on XX/XX/2020. They did nothing about the original check, and I never authorized them to correct the problem by just taking an additional payment from my escrow account. As a matter of fact, on one of my calls I specifically told them not to do that, for fear of not getting the money back. Now I am out an additional {$400.00}, no one knows what happened to the original check, and my escrow account is short. The mortgage company refuses to cancel the original check because it is a bulk check, but my insurance company has no record of the check with the dollar amount specified or check number as ever having been received by them.
|
| 07/25/2023 |
Yes |
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Web |
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I have been in loss mitigation for over a year. Was awarded HAF payments when I was without a job for an extended period of time.
I have been keeping close eye on my acct. Making substantial extra payments in my acct to bring the principal down. I will include screenshots from credit bureaus as I had it down to well below {$11000.00}. Last Friday I checked my acct and I showed some crazy high number as remaining balance. I had been paid head until XX/XX/XXXX. Last Friday it showed I was behind since XX/XX/XXXX. I will include screenshots of the acct last Friday and several screenshots with recent payoff amounts and credit reporting agencies. I am ready to pay off the house. I have the money in my acct. It should be less than {$10000.00} by now. Please help. I have been working tirelessly with several XXXX XXXX XXXX, my own XXXX XXXX and working full time to pay this house off for the children.
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| 12/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I have made payments online with Domerville Mortgage over the course of years .They took that option away from me saying that I filed bankruptcy and didnt file a a form stating that I would still make and be accountable for my mortgage was is false ..This document was filed and signed .The document was also forwarded to the by Maryland Housing Development whom the loan was generated through..Dovenmuehle Morttagage has yet to set the account so I can make online payments.When I call to make payments Im left on hold forever without response..This has been going on for 6 months now..Its as if they want me not to make payments..Ive talk to several individuals who couldnt explain why I didnt have access before being on a 3 way call with myself .Maryland .Department of Community Development and Docenmuehle Mortgage ... and till Date I am still dealing with this issue and it has yet to be resolved ..
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| 03/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I recently paid off my mortgage loan with Dovenmuehle Mortgage. It was paid off on XX/XX/2020. Although I called to cancel automatic drafts several days before payoff funded, they drafted a payment of {$910.00} on XX/XX/2020. I called them on XX/XX/2020, again on XX/XX/2020 and again today, XX/XX/2020. Each time they say they see loan was paid off, they see they owe me a refund, they have no idea why they havent mailed it yet ( told to me on XX/XX/2020 and XX/XX/2020 ) and that I can expect a check " any day ''. Today, i told them i was filing a complaint with CFPB. Hoping you can help them understand their need to follow basic laws. If I was a person who didnt understand my rights or that I had overpaid, I fear they would likely just keep the funds. These companies should not be allowed to hold money that is not rightfully theirs. Even more sad, my new loan was also placed with Dovenmuehle.
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| 02/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago!
Every month because of one thing or another it was delayed.
I finally have gotten them al the documents they can possibly need.
The last thing i did was send in paperwork to clear up a forbearance issue.
The truth is i was making payments for months but for some reason they didnt register everything correctly.
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period.
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long.
If there is any way you guys can help id really appreciate it.
Thank you, XXXX XXXX
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| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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To whom it my concern, I am submitting a complaint about Dovenmuehl mortgage company, taking money from me outside of our mortgage contract and not, after many months being able to explain why.
Dovenmuehl used to service my mortgage but sold my account to XXXX XXXX in XX/XX/2020.
I was told to start paying XXXX XXXX each month, which I have faithfully done and continue to pay each month.
I then had a withdrawal in XXXX from Dovenmuehl for {$1600.00} which non of the " supervisors '' can explain.
I have spent 2-4 hours on the phone 4 times trying to obtain some sort of resolution to no avail.
I have also been asked to email a bank statement to show the withdrawal which I have now done 3 times. Being told each time that I will be contacted shortly to resolve the issue.
3-4 months go by before I call and ask " what is happening? '' To which I receive the same run around of a story.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American, Servicemember |
|
XXXX of XXXXXXXX XXXX XXXX XXXX deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage XXXX had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/2023. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. XXXX XXXX XXXX XXXX XXXX XXXX stated that they would make sure that our credit rating was going to be affected. Our problem with XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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I was included in a forbearance program through the Cares Act in XX/XX/XXXX-XX/XX/XXXX. I was told to submit documents for loss mitigation and additional payment options. Documents were emailed from XX/XX/XXXX-XX/XX/XXXX I contacted the servicer XXXX on multiple occasions to follow up and left messages for a call back from supervisors due to duplicate requests for docs to be sent. In XX/XX/XXXX I received an email stating that my application was being closed due to lack of supporting docs being received. I immediately contacted the lender ( XX/XX/XXXX ) for support. XXXX had the same difficulty in making contact with their servicer. Eventually, they located a supervisor who was able to review the documentation and verified that the package was in fact complete. It was then forwarded for review for a workout option. Two weeks later it was determined that there were NO OPTIONS for me.
|
| 02/03/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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We continue to need to know why Dovenmuehle has listed a second mortgage against our account, with an additional {$2800.00}. Additionally, we have verified that only two months of payment were missed ( for a total of {$2900.00} ), for last XXXX and XXXX of 2020 due to COVID 19 and the restricted employment of my husband. All normal payments were resumed in XXXX. We have a letter from Dovenmuehle stating that the terms of the deferment were for those two missed months to be rolled into the end of the loan with no additional interest charged.
We have been trying to resolve this issue since XXXX of 2020. We then began to try to refinance our loan in XXXX of 2020. Initially, we were told there was a hold on our account to where XXXX XXXX could not make the payoff. Then, during this last month, we have been told that XXXX XXXX can not make the payoff due to two mortgages being listed.
|
| 12/24/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I have learned that XXXX XXXXCarnegie Mortgage is negatively reporting a delinquency of my XX/XX/XXXX mortgage payment. Regrettably, this is absolutely false.
First, XXXX XXXXCarnegie Mortgage was not the loan servicer effective XX/XX/XXXX, per Carnegie Mortgage 's own undated letter, attached. Per the letter, effective XX/XX/XXXX, the loan would be serviced by XXXX XXXX XXXX, and Carnegie Mortgage directed me to send all payments to XXXX XXXX XXXX beginning XX/XX/XXXX.
Second, I paid my XX/XX/XXXX, payment to Carnegie Mortgage, check number XXXX, dated XX/XX/XXXX. That payment was timely received by Carnegie Mortgage and the payment cleared the bank it was drawn on, on XX/XX/XXXX.
I paid my XX/XX/XXXX, payment to the new lender specified in Carnegie Mortgage 's letter. I.e., XXXX, on XX/XX/XXXX, check number XXXX, and that payment cleared the bank it was drawn on XX/XX/XXXX.
|
| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
A disbursement was made from my escrow account for homeowners insurance when it was not due. Then another disbursement was made when the premium was due 4 months later. When mortgage company was contacted about duplicate payments with in the time period, they sent work order for research and investigation. When I called back about findings on this work order-there are no answers on where the 1st disbursement went, check number or reference number. Numerous phone calls have been made to mortgage company as to where the monies are. Insurance company did not receive the payment that the mortgage company said they sent on the first disbursement. The mortgage company clearly did not send the monies for insurance or even taxes, but did withdraw it from my escrow. This has caused my escrow to be behind for three years now. Each year my payments go up due to the missing amount of escrow.
|
| 12/02/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
A loan modification package was submitted to Dovenmuehle, Loss Mitigation department on XX/XX/2021. We fell behind on our mortgage due to XXXX XXXX XXXX. At that time, we were only 4 months behind on our mortgage. During the review, the servicer was constantly requesting the same documents 3 or 4 times. The modification review is still on going. Each time the servicer is called for a status update, we are being told " no new updates ''. We are now in XXXX and still no decision. We have spoken to representatives, team leads, supervisors and escalation supervisors. All to no avail. When this process started back in XX/XX/2021, our mortgage was {$5400.00} past due, we are now over {$18000.00}. We were ready to resume making our payments back in XXXX. This is Servicer neglect and abusive and should not be tolerated. I have attached every conversation along with names and ID numbers.
|
| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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|
I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached.
See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part.
The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments.
XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were trying for a year and a half to have the Lender and the investor to review our short sale request. We submit and offer that is Fair Market price but this Lender and special a woman by the name XXXX XXXX from XXXX XXXX was doing everything in her power to delay the process despite of our daily inquires. We had to file for Bk twice already in order to postpone the upending foreclosure. We were denied by this woman to know the name of the actual investor of the mortgage loan. And when we called XXXX we were entangled in the lender 's net with no one there to answer our questions.
The Deed of Trust we signed when we purchase the property allows to apply for a loss mitigation and XXXX XXXX is denying this right. XXXX is a subcontractor, just the servicer of the loan only, not the actual lender itself.
We need the Investor to see our short sale offer and make a decision.
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, my mortgage servicer, Dovenmuehle Mortgage , Inc., a servicer for XXXX XXXX sent a duplicate hazard insurance annual premium payment in the amount of {$1100.00} from my escrow account to my insurer, XXXX XXXX. This is a duplicate of the payment of {$1100.00} that they sent XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX alleges to have sent the {$1100.00} back to Dovenmuehle Mortgage , Inc., a servicer for XXXXXXXX XXXX.
To date, Dovenmuehle Mortgage , Inc. has not properly credited my escrow account for the {$1100.00}.
Dovenmuehle Mortgage , Inc. was not authorized by me to send the duplicate annual hazard insurance premium to XXXX XXXX. They appear to have no interest in crediting MY money back to my escrow account because of their negligent error.
I have dealt with mortgage servicers since XXXX, and Dovenmuehle Mortgage , Inc. is no doubt the worst.
|
| 05/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We received a letter dated XX/XX/2021 advising of a change of loan servicer that would be effective XX/XX/2021 ( see attached LoanTransfer document ).
The new servicer sent debt collection letters individually to myself and my spouse dated XX/XX/2021 ( see attached CollectionNotices document ).
We sent a qualified written request in reply asking for specific contact information from the new servicer as required by law and an investigation into whether the new servicer inappropriately reported incorrect information to any credit reporting agency ( see attached DisputeLetter document ).
New servicer acknowledged receipt of the letter and then failed to respond to the specifics of the letter but addressed the payments provided to the first provider and treated it as a late fee complaint ( see attached BankReply document ).
This complaint is also being provided to the VA OIG.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Hello : I have a mortgage with XXXXDovenmuehle Mortgage that I closed on in XX/XX/2020. My home is new and the property taxes were estimated for the escrow account. In XXXX of 2020 I discovered the estimated taxes ( {$2600.00} ) were much higher than the actual property taxes of {$710.00}. I began calling and emailing the lender to adjust my payment and perform an escrow analysis. On XX/XX/XXXX I emailed the actual tax bill to the lender and the first installment ( {$350.00} ) was paid to the county on XX/XX/XXXX.
I finally received an escrow analysis on XX/XX/XXXX and the amount used for the taxes on the analysis is {$2600.00} which is not the amount due for the taxes. The lender has not adjusted my payment and/or corrected the analysis. When I brought this to their attention their response was I could file a complaint with CFPB, there was no assurance this would be fixed.
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in a mortgage forbearance with XXXX XXXX XXXX since XX/XX/XXXX currently ending on XX/XX/XXXX. I have been calling about the two three month extensions my XXXX XXXX loan is eligible for but the keep telling me they have no guidance from management and that I need to keep calling.
I spoke to XXXX today who kept telling me that " as of today '' my loan was not eligible for any extension and that the only thing he could do was send me a loss mitigation application to submit to underwriting.
When I insisted I was eligible he kept saying " as of today '' and that I had to pay on XX/XX/XXXX or be put into the next step.
The strange part is that when Initially was connected the computer voice asked me to click 1 for the three month extension. He claimed he had no idea what that was about. He also said there was no supervisor available and that I could not record the call.
|
| 07/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I purchased a home and refinanced an existing home with Dovenmuehle Mortgage Company. Both homes are on the same insurance policy. Dovenmuehle Mortgage then sold one of my loans to another company. Dovenmuehle Mortgage is still charging me for insurance on 2 houses, instead of one. Situation in numerical form : Cost of Insurance : {$4000.00} What Dovenmuehle is charging me : {$4000.00} What new mortgage company is charging me : {$2000.00} Therefore, I am paying {$6000.00} for a {$4000.00} policy. Dovenmuehle refuses to correct the issue and just keeps sending me a breakdown of my escrow account and assuming that I can't comprehend the purpose of an escrow account.
Dovenmuehle Mortgage Company caused this issue, therefore, they need to fix this issue. They are wasting my time and my money. My mortgage payment has increased by {$800.00} per month because of their error.
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| 07/29/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.
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| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX.
Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error.
Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX.
I can prove my claim with bank statements and a printout from the servicer 's own site.
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| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I don't even know where to begin. I've been dealing with Dovenmuhle Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and Dovenmuhle claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.
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| 01/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was transferred for servicing in XX/XX/2020 to DMI original mortgage is thru XXXX XXXX XXXX. They are trying to collect over XXXX. I sent bank statements showing where payments were electronic withdrawals from my bank account and they are saying thats not proof of payment. Have called numerous times still not resolved. Also in XXXX when they took it over there was a deferred interest payment applied for a little over XXXX no clue what this is and they cant tell me either. Im extremely XXXX now. No one can go through this account over the phone they send payment history that doesnt match or make sense. I get letters saying Im going in to default. I need help from someone. I researched the reviews and numerous complaints and reviews are exactly like mine they had 1 star ratings. Help!!! Also cant speak with anyone at XXXX it automatically transfers to DMI
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| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX XXXX Dovenmuehle mortgage, a former mortgage loan servicer of ours sent me a letter stating that they have unclaimed property ( {$450.00} ) from XXXX XXXX XXXX, XXXX ( another former loan servicer ). I did not reach out in time of their deadline of XX/XX/2022 to claim the funds, so they stated they would submit the funds to the state of Florida for me to claim via the state 's unclaimed property site. After checking with the state of Florida, for several weeks after the deadline, and up through, today, they still do not have the funds. I have called Dovenmuehle several times to inquire about the lost funds, but they just issue a blanket statement that if I missed the deadline, then the funds were released to the state. Nobody that I spoke to, or that was transferred to, could actually trace my missing funds. Supporting document provided. Thank you.
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| 10/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle holds the mortgage on my home since XX/XX/XXXX. I had made some additional payments towards principal in the first few months, till XX/XX/XXXX, totaling {$24000.00}. The principal owed seems incorrect.
Last year XXXX, and again this year since XXXX I have been requesting a payment history since beginning of the loan, started XX/XX/XXXX.
They promise, and nothing happens.
I am refinancing the loan, and the payout is wrong. The Customerservice personnel do not have the requisite skills to reconcile my account, and refuse to connect me to their AR department.
I am going ahead with the new loan with the wrong principal amount as I dont want to miss out on a great rate of XXXX XXXX
I am in deadlock and hence taking recourse to seeking your services. I would like to see my account reconciled from start to end Thank you in anticipation.
Best regards
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| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX Received Notice of Servicing Transfer from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Received Delinquent Notice from XXXX XXXX Called XXXX and spoke to an agent who advised that the XXXX XXXX XXXX XXXX XXXX was rescinded in XXXX XXXX though I have not received a rescind notice. Agent attempted to collect XXXX mortage payment + late fees, though the payment was made to their designee, XXXX XXXX, on time as previously instructed. Agent confirms that prior payments sent to XXXX have been credited to my account. I sent proof of payment for XX/XX/XXXX to XXXX XXXX via email. Agent was incredibly aggressive and rude and attempted to collect personal information to be used in collecting debt which was not owed.
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| 07/18/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I lost my job back in XXXX. I contacted my mortgage service ( Dovenmuehle Mortgage ) at that time and applied for assistance with the loss mitigation department. I submitted all of the documents they requested multiple times an they still kept saying that I was incomplete. They sold my mortgage in the meantime and now the new mortgage company is saying that I have to start over again. I uploaded the documents, I emailed the documents and the last person I spoke to said that I had done everything that I needed to and they would get back to me. I do not have a job yet and am barely getting by and do not need this added stress. I feel like Dovenmuehle did this on purpose since they knew they were selling the mortgage. You can see by the dates and documents on the screenshot that they were indeed uploaded in their system and that I did everything they asked of me.
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| 04/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We submitted a check with a mortgage statement at our branch for our XXXX payment on Friday, XX/XX/XXXX, it was not considered late until the XXXX. Unknown to us, the branch employee misapplied the payment to the wrong account. About a week later we received a default letter for not making any payment on our mortgage. We called the mortgage servicer and they said they would " as a courtesy '' write off the late fee. We spoke to the bank branch manager and she apologized and promised they would back date the payment to the XXXX as it should have been. We received a statement today that shows they still count us as having a late payment. We can not seem to get them to date the payment to the day we made it. We do not want this on our credit as a late payment and we are currently in the process of refinancing so this could really hurt us. Thank you for your help.
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| 06/20/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each.
I was given instructions on how to request this amount back in writing and I sent the fax in right away.
That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.
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| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying to have the PMI from my mortgage loan removed since XX/XX/2022, and Dovenmuehle, who services my loan, has been providing me with misinformation, arbitrary dates, been unable to find my letter in the mail, claimed to have mailed me and faxed me information which never arrived, likely lost my appraisal that I paid for, claims to not received invoices/receipts that I emailed, etc. The list is so long that I've lost track of all the incompetence and lack of accountability. On my end, it just seems like they have been doing whatever they can, which is typically negligence, to not remove the PMI from my loan when I have in fact provided the necessary information that details substantial improvements to my home. I have spent hours on the phone with their reps, who provide me with arbitrary information, without any follow through on promises.
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| 04/24/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX at XXXX ; I spoke to someone on a chat line about the late fees.
I asked them to relinquish the late fees because of unemployment due to the Coronavirus. I am a employee for a XXXX XXXX at XXXX XXXX XXXX. I filed for unemployment a month ago and have not received my benefit. I paid my mortgage this month with the stimulus check. I asked them to waive my late fees.
They said no because the fees were waived in XX/XX/XXXX previously due to unemployment in XXXX XX/XX/XXXX.The school is closed for the winter break. They stated they could only waive it one time only during the life of the loan.
.I am requesting them to waive all late fees during this 3 month period if I can't pay on time. Unemployment benefits have not been processed due to the volume of people applying. We should not be penalize because of the disaster that is worldwide..
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| 09/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The loan was paid off when the property was sold on XX/XX/2019. I logged onto Dovenmuehle 's website to disable automatic payments. When I did, I noticed that the balance was XXXX, and the system said my account wasn't eligible for online payments when clicking on automatic payments.
Because the system was smart enough to not let me adjust automatic payments on a XXXX balance account, and because it was at XXXX balance, I figured that they wouldn't withdrawal payment. I was wrong. On XX/XX/2019 Dovenmuehle withdrew XXXX from my bank account.
I called to complain, but they say it takes 2-3 weeks to get that refunded, and they will only mail a check. Of course, I'm between addresses, and close on my new house in a week, so it's causing me some serious problems.
They don't seem to care, they say my issue is escalated and that's it. Nothing I can do.
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| 08/21/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Dovenmule Mortgage agreed to work with me because I was struggling to make Payments at the end of last year. Consequently, I made payment arrangements and entered into a forbearance period. However, I was told that the payment amount was due in full at the end of the three month period. Nobody could honor the loan in this situation moving forward after what was considered favor. The forbearance was in a fact a death sentence to me owing the property. It was ominous! I panicked and sold the home on XXXX XXXX XXXX. After, they post a late payment to my account. When the escrow to sell was closing, I was told at least five times that the derogatory information would be removed and that I just had to wait and be patient. Months later, they have not removed the late mark that is harming me during this pandemic. I need to buy another house to live in ASAP.
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| 03/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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since XXXX this loan servicing company, or for better words loan servicing scammers have been manufacturing in bad faiths a default, we have paid our mortgage on time and everything month since the inception of the loan which was XXXX, XXXX of XXXX and have never missed a payment, and we pay our taxes and insurance directly to the XXXX XXXXXXXX XXXX XXXX and XXXX XXXX insurance company. and despite all the evidence provided and there records as we have every record and payments made on file. they continue misplacing our mortgage payments, not applying the payments to the account and charging me thousands of dollars not owed. this bank loan servicers are a scam, despite my complaints to your office, you have failed to investigate this matter deligently and do something about it. as they are hurting my household as citizens and consumers that we are.
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| 09/12/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I paid off my mortgage in XX/XX/2021. The mortgage processing company ( Dovenmuehle Mortgage ) sent me a letter confirming that my mortgage had been paid in full. Recently I put my home ( a small mixed use building ) up for sale and discovered that the mortgage company had not sent this information to my municipality. For more than a month I pleaded with the mortgage company to send the information to the municipality.
The buyer of my property had concerns about this issue and walked away. I now have a new buyer and again have worked for several weeks attempting to have the mortgage processing company submit the documents. I have been told repeatedly that all paperwork is complete and simply needs the signature of the VP at the mortgage company. Out of desperation I have even written to the CEO ( XXXX XXXX ) of the company, but have gotten nowhere.
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| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XXXX my application with Dovenmuehle Mortgage Inc Loss Mitigation was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. Dovenmuehle submitted foreclosure status on XX/XX/XXXX and then again on XXXX to XXXX . This was illegal. I disputed it on XX/XX/XXXX with XXXX and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to XXXX and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now XXXX has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.
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| 05/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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XXXX has stated they did not participate with the HAMP or HARP programs. I been unemployed and underemployed a few time since XXXX and have completed a number of modification applications. Everytime I contact XXXX and tried to have a resolution to this hardship. The last time I tried. They denied the application due to the amount of monies owed. I have repeated asked for qualifying for any forgiveness programs. I have been told they have in house programs that would help. I am currently unable to find a solution. My father, XXXX y/o, and name is on the mortgage. Lives in the property and is taking XXXX who recently had XXXX I added his income to the application. It took over XXXX months to get a response and then a denial. The debt to income ratios are within 30-35 percent and the debt is more than the value of the house. This is a TRUE hardship.
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| 06/02/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Doven Muehle who is the servicer for XXXX XXXX XXXX XXXX has calculated our payment based on an error that their company made in computing our yearly escrow. XXXX XXXX along with us on the phone tried to get the issue resolved but the servicer would not run another analysis because they said that they donot see a problem. The supervisor that we talked with at Doven Muehle told us that the amount that was placed in reserve for the year is {$900.00} and usually it has been approximately {$460.00} each year. This year we did change insurance companies and saved over {$800.00} dollars by doing so. So we are dont understand why our payment has increased. Our taxes and insurance as gone down each year. We feel that this servicer is operating fraudulently with these mortgage loans because we were told that other XXXX members are having similar issues.
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| 09/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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|
Web |
Servicemember |
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My loan had a partial payment of {$70000.00} on XX/XX/2022, From the Department of veterans affairs and my mortgage company XXXX XXXX accepted the VA payment but yet has boarded this amount to XXXX Ive ask for a copy of the all Promissory notes on XX/XX/XXXX to close my new loan with XXXX XXXX XXXX they will not send documents and refused to do proper paper work on Boarding the Partial claim to generate a acct number so XXXX the new service can be paid It has cost me over XXXX XXXX dollars and all the appraisals, and late fees plus xtra mortgage payments I need help they want help me get away from their company they continue to make excuses my refinance want go thru unless they complete this, The Veteran Admin says Dovenmuehle meds to complete this and they refuse to complete it, it been almost 10 months Im really tired of no reply from them
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| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After several conflicting statements, Dovenmuehle has indicated that they have cancelled private mortgage insurance on my mortgage as it has met an 80 % XXXX. Since this point in time they have run multiple incorrect escrow analysis statements including but not limited to : Incorrect disbursement date and incorrect amount for property insurance Elimination of escrow for property insurance ( this was never requested by me ) Continued billing for XXXX despite written acknowledgement that XXXX has been cancelled I have contacted Dovenmuehle on multiple occasions via telephone and email to discuss all of the above. They have not responded and the escrow analysis continues to be incorrect. I am required to pay whatever amount they bill me despite it being incorrect otherwise they will report the loan delinquent to credit reporting agencies.
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| 11/13/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer.
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.
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| 10/02/2020 |
No |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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I have been awaiting a mortgage refund check in the amount = {$910.00} since XX/XX/XXXX. ( more than 3 years ago!! ) I have called almost weekly to get an update. Most recently I spoke with a Supervisor " XXXX '' ( initials XXXX ) on XX/XX/XXXX assuring me that I would be emailed a confirmation of the mailed check number XXXX. There was zero result - no email, nothing.
The deadline to confirm these monies = XX/XX/XXXX or forfeiture of funds.
I have emailed confirmation on XX/XX/XXXX again that I am claiming this property.
I have called weekly without result.
Please followup with status and update on the refund check please.
There is something critically wrong with the service at Dovenmeuhle - this is beyond reason.
I will also followup with a complaint with the XXXX as well.
I can be contacted at : XXXX XXXX XXXX XXXX XXXX
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| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Over the last XXXX years I've attempted to have an escrow account set up with the loan serviced. First year it went from XXXX ear to through the other. This past year. I got the escrow analysis letters. I missed placed them so I go to the online portal to see if I can find the info. I can not. In XXXX different occasions I couldn't. One third occasion they stated they themselves on a call could not find the escrow analysis letter so she would start the escrow request again. Here we are on XXXX and I call for follow up from my call and nothing. The escrow analysis did not exist again. This time my insurance lapsed even thou I uploaded the bill which they sent via mail and escrow amount. I called the credit union for help because ALL mail has their logo/letterhead. They told me they could help me. My issue was with the loan servicer.
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| 10/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
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- Lost or stolen money order
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Web |
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XXXX XXXX a cleared payment to Dovenmuehle Mortgage Inc was not transferred, refunded, returned, to new loan servicer nor third-party.
I asked via email to OPEN INVESTIGATION and then contacted CFPB and Dovenmuehle lied again to me and CFPB stating XX/XX/2023 payment was returned to third-party and was NOT.
XXXX XXXX a second cleared payment to Dovenmuehle Mortgage Inc was also not transferred, refunded, or returned to new loan servicer nor third-party. Dovenmuehle has also NOT PROVIDED ME WITH TRACKING INFORMATION FOR THE PAYMENTS THEY CLAIMED TO HAVE RETURNED, however the third-party is my representative and DOVENMUEHLE IS NOT PROVIDING CORRECT/VALID INFORMATION OF THESE FUNDS TO EITHER OF US... BUT DOVENMUEHLE HAS RECEIVED THESE FUNDS AND WON'T TRANSFER TO NEW LOAN SERVICER or third-party and provide tracking information.
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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Dovenmuehle is my mortgage service provider on my VA home loan. Each monthly statement claims that I am a month behind. I have never misses a payment. The company has sent me their record of my payment history which shows that I have never misses a payment. The company reports to the VA every month that I am current, and in good standing. Even though Dovenmuehl 's own records show all payments made, and according to their reporting to the VA I have never been delinquent, they are unable, or unwilling to resolve the clerical error. Dovenmuehl has caused me harm with their clerical error, because I was unable to take advantages of historical low refinance rates, while they were available. This harm continues as I am unable to utilize the equity in home, as no lenders will work with me while my statements show me as delinquent.
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| 12/08/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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On XX/XX/XXXX and XXXX, 2020 I logged into Dovenmuhle 's website ( XXXX XXXX attempting to make a payment on my mortgage. I had previously made payments earlier in the month through this same portal successfully however now when attempting to review the payment ( the final step before confirming/submitting ) it would simply send me to a blank page. I called customer service and was informed if I wanted to make a payment over the phone there would be a {$10.00} fee incurred ( which is unfair as the website was not working properly. ) Additionally I was told if I wanted to send a check it had to be certified ( which would also incur a fee. ) I was not given any means to make a payment that would not result in a charge and it's wrong this company is trying to leverage fees from their customers when their own website is failing.
|
| 04/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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Hello - In XXXX of XX/XX/2018, my mortgage was transferred to another company. There were 2 payments not applied to my account during this process ( end of XXXX/beginning of XXXX ). I have bee trying to work this out with the current mortgage company since mid-XX/XX/2018. I have sent banking info for the ACH withdrawl 's and tracing info from my XXXX account to XXXX. Emails and calls are simply transferred to a different department and they tell me either no one can assist or they will look into it. It has been 4 months and I have gotten no where.
Payments are still made to XXXX ( via mail now ), but the below is who the account was transferred to ( email XXXX ; XXXX ) : XXXX Dovenmuehle Mortgage , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX ID # XXXX, Ref # XXXX XX/XX/XXXX XXXX
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| 08/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.
|
| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have two complaints : 1. On XX/XX/20 Dovenmuehle took {$470.00} out of my escrow account, I called and requested an explanation and an audit of the account to understand why. I spoke to XXXX on XX/XX/20 and she said that was a task for the research department and that I would here back from them in 7-14 business days. I have not received a written response or an explanation of the withdrawal. I have reached out in several emails with no response and have tried to get them on the phone.
2. Dovenmuehle assumed my loan on XX/XX/20 and the hazard insurance was due to be paid on XX/XX/20 - I called on XX/XX/20 after I received notice from the insurance company that the bill was past due. As of XX/XX/20 no payment has been made for the insurance.
The escrow account is in good standing and has plenty of funds available.
|
| 12/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
ITS GOING ON XXXX YEARS SINCE DOVENMUEHLE MORTGAGE, THE LOAN SERVICER, CONTINUES TO TRY AND DEFAULT OUR MORTGAGE ACCOUNT IN ORDER TO FORCE US IN TO FORECLOSURE AND STEAL PROPERTY AND EQUITIES AS BANKS DO TO HOMEOWNERS. THERE LATEST SCAM RECENTLY OCCUR THIS MONTH, WE RECEIVED A MORTGAGE BILL WITH AN INCREASE OF {$530.00}, WHEN NO MONEY IS OWED TO THIS SERVICER ON ESCROW PAYMENTS. AS WE HAVE NEVER MISSED A SUNGLE MORTGAGE PAYMENT IN XXXX YEARS, AND NOW THEY CONTINUE TO TRY AND FORCE A DEFAULT. LAST YEAR THEY TRYED TOO INCREASE THE PAYMENT TO ALMOST {$5000.00} PER MONTH. THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE INVESTIGATED FOR THERE PRACTICES UNLAWFUL PRACTICES. WE PAY OUT MORTGAGE BILL MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY INVESTIGATED AND FINED.
|
| 05/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mistakes and delays in issuing escrow refund for paid-off mortgage loan.
This servicer sent our mortgage escrow refund to the wrong address, then stated we needed to wait 30 days to reissue the check. After 30 days, they claimed we needed to submit a change of address form via fax or mail. It then took over a week and 2 faxes and an email to get the address corrected.
After this was finally accomplished, they stated a new check would be issued in XXXX days. After 10 days had passed without reissue of the check, Dovenmuehle Mortgage 's reps and supervisors offered various excuses including " mail '', address changes, " process '' etc.
We have waited 2 months for the return of this money and have made 9 phone calls, 2 faxes, 1 email over the past month on the matter.
They still claim the refund is " processing ''
|
| 06/10/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This past year in XX/XX/2019 my insurance agent presented a new home owners quote, instead of policy through XXXX XXXX. I agreed to make the change in XXXX. The new policy went into effect XX/XX/2019. I received a notice from the insurance company that payment from the mortgage company had not been received. I contacted them last week on XX/XX/2019. And was asked to forward the bill from the insurance company to the mortgage company. I did that, but today, the bill has still not been paid, and i discovered that the mortgage company took out another policy on my home for over double the cost of what I pay per year. I want them to cancel the forced policy, because of an error in accounting. Insurance has been in place without a lapse in coverage. I would like the amount paid to be refunded to us as soon as possible.
|
| 10/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX To Whom it may concern : I do not agree to paperless communications for any of these loan information. All documents and other communications shall be sent by my mailing address and my email address. Please do not collect, use and disclose any of my personal and loan information to anyone.
Please mail or email all of these mortgage statements from 2016 to present and future statements. All correspondences shall be sent to my mailing address and email address.
thank you, XXXX XXXX This is the letter I sent to Dovenmuehle Mortgage , Inc last month and have not received any response nor documents from them regarding this request. I would like all my mortgage statements ( past, present and future ) to
be sent to my mailing address, immediately.
|
| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This home was purchased in XX/XX/XXXX. The mortgage company paid the tax authority taxes dated XX/XX/XXXX-XX/XX/XXXXin the period where I did not own the property.
When the property was purchased the closing company cleared all taxes and verified that this property did not owe any taxes. Furthermore, I never received notice about these bad taxes from XX/XX/XXXX-XX/XX/XXXX.
The mortgage company paid these taxes without letting me know and know they have included almost 14000 worth of taxes into the escrow account and they are making me pay for taxes that are not even form the time I have owned the property.
I have contacted them since XX/XX/XXXX over five times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake.
|
| 12/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX
|
| 04/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a notice from XX/XX/XXXX that Dovenmuelhe Mortgage inc is holding unclaimed property in the amounts of {$3300.00} and {$100.00} from a mortgage ( from XXXX XXXX XXXX XXXX that was refinanced in XX/XX/XXXX. I sent the required response documents back on XX/XX/XXXX, and have since made follow up calls on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, but have to date been unable to obtain the return of these funds.
I was told during several calls that the instructions to send a check were relayed to the appropriate group. On the XXXX call it was confirmed that a check request had been initiated on XXXX and that it could take up to 30 days for a check to be issued. On XXXX this was revised to XXXX business days, and on XXXX I was told that it has not been issued yet and there is no estimated completion date.
|
| 03/01/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Due to XXXX XXXX XXXX year I fell behind on XXXX XXXX XXXXDovenmuehle # XXXX. On XX/XX/22 I received a statement showing a balance Due of XXXX on XX/XX/22 {XXXX was sent to my mortgage company. They were instructed to deduct the balance that was due and add the remaining to the principal balance. which was done however in the balance that was due XXXX was paid in interest I have been informed no late fees and interest fees would be charged if you had to defer your loan due to XXXX. The XXXX issue I have is, I have been paying my own insurance and Dovenmuehle has been charging me for insurance too. So I'm double billed for insurance. and mortgage insurance should have been removed already. When I requested for them to credit back all the fees they are charging me, I'm put on a long hold without a resolution.
|
| 11/30/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced my mortgage with XXXX XXXX XXXX in XX/XX/2020. My loan was transferred to Dovenmuel and then XXXX within a couple months. In this transition, a payment i made through my bank ( XXXX ) of {$1700.00} went missing. I was told I was behind on my payments and would have to make another payment less it affect my credit. After spending many hours on the phone with the 3 banks who all denied having kept the payment, I asked my bank XXXX to help track it down. They gave me a temp refund XX/XX/XXXX. XXXX XXXX XXXX took back this payment from my account. I'm not sure how to move forward. My XXXX is slow with Covid and I fear foreclosing on my home. I have $ XXXX equity in this house and it is all my life savings. I am a single mom and have no money to hire a lawyer to go after this scam. Please help me!!
|
| 12/19/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Flood in XXXX 2017. Insurance awarded XXXX towards project. Dovenmuehle would only release 1/3 of funds until 50 % completion. No contractor would agree to this. We used our own funds to complete the project. Project was done on XX/XX/XXXX. Upon 100 % we passed an inspection that took 1 week to schedule. On the XX/XX/XXXX we asked for fund to be overnighted so the contractors could be paid in time for XXXX. Five calls were not returned. They claimed if I needed it sent overnight I should have sent an envelope for that. However they never called to inform me of this. They sent the check with no tracking through the postal service on the XXXX. I have a contractor threatening to sue me as he can not provide XXXX to his family and will have waited over 3 weeks for his payment. Dovenmuehle takes 0 responsibility.
|
| 03/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We sold our home in XX/XX/XXXX, the mortgage of that home was serviced with Dovenmuehle Mortgage Inc. At closing we had an outstanding balance of {$5100.00} in our Escrow that was to be reimbursed to us.
No payment has been received.
XX/XX/XXXX we called asked for payment status, Dovenmuehle said it was in the mail to wait 30 days.
XX/XX/XXXX - Called Dovenmuehle said check was lost in the mail and need to wait 30 days for check to be cancelled and confirm it didn't get cashed.
XX/XX/XXXX - Called, Dovenmuehle said it was not tagged in their system correctly, said it was fixed and to wait another 30 days XX/XX/XXXX - Said check was mailed in XXXX - we ask for proof of payment, said they could not provide that and then when we ask when should be get our money they replied it will take time and one day!
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX is an abomination and should be investigated by local and federal authorities. There is absolutely zero customer service. A previous complaint that was answered via this forum featured a doctored, backdated letter by XXXX that they claimed to have sent to my attention. No such letter was ever received. I am attempting to have my mortgage recast. Since this is a huge inconvenience for XXXX ( and a big benefit for me ) it is obvious why there is no formal, online, or convenient process to do this. Today I wired them a {$300.00} " fee '' and called their number to confirm receipt. After 3 attempts navigating through their phone system, one rep managed to hang up on me, and the second sent me right to the " customer survey ''. This is a shameful institution that does not care about its customers.
|
| 10/26/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I called to have requested for PMI and Escrow to be removed from my mortgage on XX/XX/2022.
The mortage servicer only acknowledged the PMI be removed by sending me a letter and check for PMI refund.
I called about why my Escrow wasn't removed on XX/XX/2022 and they said they didn't know. I requested for a supervisor to review the call and notify me why my escrow wasn't removed.
On XX/XX/2022 I called to ask what the status is of my request for Escrow to be removed and the status of my previous request back in XXXX. They advised me that a call recording pull requires a written notice. They also notified me that the escrow request wouldn't be available for review until XX/XX/2022.
This implies that my money in escrow is being held hostage and I am attempting to collect a debt from the debt collector.
|
| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Asked for Covid-19 extension to payments for XXXX, XXXX and maybe XXXX. Absolutely no phone or email response from Dovenmuhle mortgage.
Additionally, since the Loan origination the property has increased in value in part due to upgrades but Dovenmuehle mortgage refuses to acknowledge current sales prices / appraisals for exact same floor plan Which would do away with PMI insurance currently at {$160.00} per month. In addition I prepaid the entire year of home owners insurance, so again no need for an escrow account regarding this expense. I sent all information to Dovenmuhle insurance with email given. I want to suspend next 3 months payments without any negative report on my credit.
Furthermore I used the online loan solution page and was denied even though my industry is shut down due to Covid-19!!
|
| 08/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
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!
|
| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I took a XXXX mortgage 3 years ago with XXXX XXXX XXXX XXXX XXXX for the property at XXXX XXXX XXXX, XXXX IN XXXX. My monthly payment including principle, interest and escrow was {$620.00} per month. I paid via auto payment without delay every month till XX/XX/2023. XXXX XXXX XXXX decided to change service providers as of XX/XX/2023.
The new servicer - Dovenmuehle Mortgage , Inc. NMLS ID XXXX has doubled the monthly payment to {$1100.00} claiming that I have escrow debt but can not provide any proof to this debt and sending me to the previous servicer.
I can not afford this payment and tried to clarify with the new servicer, however, if I am forced to pay this amount I will not be able to pay it and will end up losing my house.
PLEASE HELP. The new servicer phone number is XXXX, XXXX XXXX
|
| 08/17/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a Condo in XX/XX/XXXX with XXXX financing. In XX/XX/XXXX, the complex sustain major fire that condemned my section due to asbestos spill and again in XX/XX/XXXX and displaced 50 % of the complex. In XX/XX/XXXX, I file an application with loss mitigation for 6 month forbearance on my payments. It was approved in XXXX. I have proof of approval via two letters by XXXX. In the months that my loan was in forbearance, XXXX reported to my credit report late payments for the months that my loan was in forbearance ruining my credit by over XXXX points which has cause stress and accounts to be closed. They have even send my loan to collections. I have contacted the XXXX for the last month asking them to fix this but nothing has been done as of now. I have that documentation to prove my case.
|
| 02/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I put in a request to take my name of my mortgage also known as an assumption because my ex wife is now the sole owner. The lender agreed to look at our situation and a {$950.00} non refundable processing fee was required which we paid. We sent in all required documents is a timely manner. We understood that we may be denied and were comfortable with taking that chance. The assumption went to underwriting in XXXX of 2022 with a timetable of two months to get a response. We never got a response and the loan was sold in XXXX of 2022. The new lender is requiring us to start the process over. So we requested a refund of our {$950.00} which they have denied stating that it is nonrefundable. But they never provide the service they promised. The lender is Dovenmuele. Their best contact number is XXXX
|
| 09/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I applied for forebarance in XX/XX/XXXX after losing my job XX/XX/XXXX. I asked the rep at the time if this would negatively impact my credit. I was told repeatedly, No. As of today, Dovenmuelhe is reporting my account 30+ days past due since XXXX.
They gave me an email address to send proof. The email came back as undeliverable when I sent the proof.
I've called more times than I can count, I've asked to speak with a supervisor and each time I'm told there is no supervisor avaiable, and they will have a supervisor call me back. I've NEVER received any call back. They use that as a way to get you off the phone and mislead you to think someone is going to call you back. It's just a ploy.
I am back working again, at age XXXX, and I can not spend hours and hours on the phone with no results.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}.
account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
|
| 06/15/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
according my case # XXXX I requested forbearance : I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments.
Company says forbearance starts XX/XX/2021 til XX/XX/2021. My mortgage payment was not met for XX/XX/2021 due to covid-19 hardship. This forbearance did not include XX/XX/2021.
I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : text=For % 20more % 20help % 2C % 20contact % 20a % 20HUD-approved % 20housing % 20counseling, can % 20temporarily % 20stop % 20making % 20payments % 20without % 20any % 20penalty.
|
| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date.
I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus.
However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XX/XX/2020, I called Dovenmuehle to ask what programs the have available for COVID relief in the event that my tenants were unable to pay their mortgage. This is on a rental property. I simply called to inquire about my options. I did not request to be placed in forbearance and I did not agree to be placed in forbearance. I was however, placed in forbearance and my credit score has been significantly affected negatively. I am in the process of refinancing my primary homes mortgage and being told that my credit report is showing a " serious delinquincy ''. I have contacted the lender Dovenmuehle with minimal response other than saying they have removed me from the program, which I should have never been placed into because the account was always up to date and there were no late payments.
|
| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have previously submitted two CFPB complaints against Dovenmuehle Mortgage , Inc., for failure to correct my tax lines and restore my escrow account. They refuse to provide my actual escrow analyses, and have sent over only projections without explanation as to why I am being charged what I am. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is showing significant credits to my account, however Dovenmuehle continues to attempt to charge me for overpayments for what they say are taxes owed.
For example, in their latest response to my last CFPB complaint, they said they corrected my tax lines, but in the escrow projection that they sent me for 2022, the tax lines were still showing incorrect amounts ( approx. {$1800.00} for taxes projected twice, when in reality, it's approx XXXX and XXXX for 2022 ).
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
|
| 04/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me.
Spoke with supervisor XXXX on the phone who offered no resolution.
|
| 09/08/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
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.
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We never had an escrow balance because we never paid into escrow, since we pay our own taxes and insurance. The bank returned our payments as escrow disbursement scam, in order to portrait that we were always late and never paid the mortgage on time. This is a fish and bait to see if we take the money and use it for something else so they can complete and continue defaulting us with the intention to steal our property and equity. They are thieves and have targeted my household to do us harm cause were latinos and minority, they think were stupid enough to be scared, and stay quiet to there scam. This isnt a coincidence this is a plan theft by professional thieves.
this bank servicer is a delinquent criminal and should be investigated and penalized for there mortgage servicing scam.
|
| 02/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have been trying to get info on the PMI Ins on my loan with Dovenmuehle Morgage co, in XXXX XXXX, IL, Acct # XXXX, and they are either unwilling or unable to help. I have been paying 6 yrs on this loan, 5 of them with this company. I want to know what my loan balance needs to be to have it taken off and no one seems to know or know who in their company can tell me. This company has very poor customer service and are seldom, if ever, of much help. Seems to me that they make money off our loans, so should be there to help us when we need it. Who can I turn to, other than Dovenmuehle, for help about this matter? What other organizations oversee the Mortgage Industry? Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( property address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX
|
| 08/27/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX and XX/XX/XXXX statements I paid amount due for both months on time. {$290.00} on a 2nd loan.
Dovenmuehle Mortgage created an impound account for additional {$1500.00} per month for both unpaid property taxes for XXXX and collecting for upcoming property taxes for XXXX.
I paid my property taxes for XXXX and do not owe any back property taxes.
I never agreed to an impound account.
Dovenmuehle Mortage never paid any amount on my property taxes yet they are still trying to collect for something they never made any payments on.
My payments were made through my checking account and my bank sent them the money. They are " holding '' my funds and not applying them and now are sending me threatening letters of default. They are attempting to collect on impound funds.
|
| 01/31/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage XXXX Inc. purchased my mortgage from XXXX XXXX Mortgage. I recieved a notice " Notice of Enforcement Action '' from Washington D.C. XXXX XXXX XXXX XXXX XXXX stating that I owe taxes from XXXX. I sent this notice to Dovenmuehle on XX/XX/XXXX and was told it had been resolved. I then recieved a " Notice of Collection Action '' one month later. It stated that the owed tax amount had not been paid and my account was now going to collections. I sent this second notice to Dovenmuehle on XX/XX/XXXX and they have yet to provide any update or resolution.
There are over 500 reviews of Dovenmuehle Mortgage XXXX Inc. on XXXX with a 1.3 star rating. Many of the reviews are complaints about tax or escrow issues. Someone needs to hold this mortgage company accountable.
|
| 06/02/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
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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
|
| 08/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2021 I called Dovenmuehle to request to end our mortgage forbearance. I was told I would receive the documents to sign within XXXX to 8 days.
On XX/XX/2021 I called Dovenmuehle relaying that I had not received the requested paperwork. I was then told the process could to up to 4 weeks as the loan was still under review. I questioned what the review process entailed and was not provided with a satisfactory answer.
Today XX/XX/2021 I still have not received the paperwork and was informed by the Dovenmuehle rep. that Dovenmuehle did not have the paperwork and it would be coming directly from the VA as it was still under review which contradicts the two prior phone calls.
End goal someone send the paperwork.
|
| 12/06/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX and XXXX.
Best regards, XXXX XXXX XXXX
|
| 03/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
We recently sold a home in New Jersey and a previous mortgage showed up for XXXX XXXX. My attorney found out that this mortgage was satisfied almost 20 years ago but a Discharge of Mortgage was never filed with the XXXX County Clerk. The new buyers continued with the purchase of our home but held {$67000.00} in escrow. My attorney has contacted Dovenmuehle and they were supposed to get a Discharge of Mortgage and file it with the Clerk. He has been dealing with the bank since the end of XX/XX/XXXX and has dealt with XXXX XXXX. Numerous calls by my attorney and myself have been to no avail. I need this money to purchase another home and believe that the almost 3 months we have been dealing with this is more than enough time. PLEASE help. The loan number was originally XXXX.
|
| 01/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
1 ) I have been in my home for over 25 years - 2 ) have been behind and some catch up payments have been made - 3 ) Each month when I call to make my payment I am told I owe thousands in late fees I argue and pay around {$420.00}. 4 ) Do not have a payment book or any consistent payment statement sent to my home monthly. 5 ) Strangers have come to my home verifying that I live there - when I call the office I have been told " you signed an agreement and are being charged for the person to observe your home '' - I have never signed anything with this current mortgage company. 6 ) Principle remaining on the house is & lt ; {$15000.00} and the interest rate is 9 % and my monthly payments are relative low around {$350.00} plus their added monthly fees and additional late fees.
|
| 10/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
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|
First off, it was a nightmare ordering and receiving a payoff statement from them. After closing, the title company wired the funds to payoff the HELOC. The wire was sent on Monday, XXXX XXXX, XXXX at XXXX p.m. To this date, it is still not showing that I have a {$0.00} balance. I've called several times. Their customer service representatives are rude and not helpful. In " verifying '' my identity, I answered XXXX. XXXX questions for them. The last question was to verify my email address. I have only had XXXX email addresses in my life. She kept asking me if I had any other email addresses. I responded NO. She then said she couldn't verify my identity and would not be able to help me. I've called over and over again and get the same rude, disrespectful representatives.
|
| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you
|
| 03/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau.
Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph.
The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ).
Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?
|
| 02/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
My loan was paid in full XXXX I have a letter from the company and a certified check to prove that, I went to the county clerks office XXXX and was told they have not submitted anything they are still listed as a lien holder. I contacted the company they told me there was an error on the paperwork and it was sent back and they would send it to another department to work on it ..i told them if what they were saying was true then why does the clerks office have no record of it and why have they not attempted to contact me, she didn't know and could not tell me what the error was. I told her it's been almost 4 and a half months and they have not removed their name off my deed I should not have to wait for someone to maybe get to it this is well over a 90 day time frame.
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We closed on our current home on XX/XX/2020 and completed the sale of our previous home on XX/XX/2020. We intended to use the proceeds from the sale to recast our mortgage. Dovenmuehle Mortgage has stonewalled us at every turn. Despite receiving nearly {$400000.00} to recast our loan, they refuse to adjust our monthly payments. We have called them more than 20 times, once being left on hold for more than 3 hours. We receive contradictory information. Although we were told on at least 6 occasions that someone would call us back, we have never received a call. Our monthly payment amount remains the same and we are struggling to pay. My advice to anyone who has Dovenmuehle as a loan servicer is to refinance as quickly as possible and to not deal with them at any cost.
|
| 11/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX Short Sale Negotiator XXXX XXXX XXXX ( 2 minutes ago ) to XXXX, XXXX, XXXX XXXX We have completed every single request that had been requested per the foreclosure department as we have a cash buyer at XXXX and this is a fair offer as she is about 10 months behind last amount of payoff XXXX. Ms XXXX has true hardship and we have rushed to have this completed to review for an approval of the short sale. Ms. XXXX submitted all these docs in XX/XX/2019, Truly, no reason not to assist the seller to complete the review. This would be horrible news to this seller for they have responded to every requirement of the Lender. The investor directed us to the Foreclosure dept. and foreclosure dept sent us to Loss to make sure all docs were in review to stop this sale.
|
| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.
|
| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dovenmule sold my loan to rocket mortgage. After they sold the loan they did not properly close this account which led to me receiving a XXXX late. I contacted them over XXXX times and talked to supervisor everytime. First contact was on XX/XX/2021. Absolute worst customer service I ever dealt with. I have XXXX credit cards and XXXX houses and never had XXXX late payment. Dovenmule mortgage does recognize it is a mistake on their end and claimed they were working on it but they never meet their own deadline when it comes to keeping me updated in their emails with dates they promise to update me. To keep this story short Im very unhappy because I had to hold off my refinance because of their incapability of running a business and taking care of their customers.
|
| 06/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I refinanced my mortgage with another lender. I paid all my property tax and they are supposed to send me my refund check if {$4400.00}. I started calling them since XX/XX/2020. I have been calling since, nanny times every month and no help. I received a refund check that belongs to another person two weeks ago and I informed them. They said to shred it. I called them again this morning and spoke with a XXXX who is not very helpful. She said my account can not be found. I can not imagine why they are keeping my money.
Please help me and I am begging. Just gave XXXX on XX/XX/XXXX. I need this money for baby s formula, wipes, etc.
The company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX. My account number is XXXX, my last SS # is XXXX.
|
| 02/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 I contacted Dovenmuehle mortgage about removing the PMI on my home. According to public records, the local home sales has brought my LTV to 78 %. They denied my request and stated that I was 30 or more days delinquent in the past 12 months. This information is incorrect. I have not exceeded 30 days from the due date which is the XX/XX/XXXX. I am assuming they are using the the guidelines of the FCRA. I am requesting written clarification and proof that I exceeded 30 day period. In regards to speaking to someone directly in the escrow department, I am screened and told to write a letter. My initial contact on XX/XX/20 involved a phone request through a customer service request. My second contact on XX/XX/20 involved an eFax to their escow dept.
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Initiated a XXXX year fixed rate mortgage on XX/XX/XXXX with XXXX. The loan is serviced by Dovenmuehle Mortgage , Inc . In the Private Mortgage Insurance Disclosure, dated XX/XX/XXXX was an Automatic Termination of PMI dated XX/XX/XXXX. XXXX Mortgage continued to charge {$50.00} monthly for PMI beyond the automatic termination date. In a letter dated XX/XX/XXXXXXXX XXXX XXXX informed us that PMI would no longer be collected going forward. 57 monthly payments of XXXX were collected between the automatic termination date ( XX/XX/XXXX ) and the notice of PMI termination ( XX/XX/XXXX ), equaling {$2800.00}. A certified letter asking for a refund of this amount XXXX {$2800.00} XXXX was received by XXXX Mortgage on XX/XX/XXXX. No response has been sent to date.
|
| 02/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.
|
| 03/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I fell behind on my mortgage by two months and I have been working on getting caught up. I plan to use my income tax return to do so and the money is due any day now. I sent my normal payment to the XXXX which is serviced by Dovenmuehle Mortgage. They rejected my payment and I have yet to speak with anyone that can actually tell me what XXXX is going on. How can they reject a payment? I am willing to make good on my loan but I will never use the XXXX again because of the experience I have had with the servicer.
How can this company do this I wondered and then I started doing some research. I get the impression they are targeting veterans like myself by servicing loans for the XXXX and XXXX. I am worried they will XXXX and I do not know how to fight them.
|
| 04/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.
|
| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I need help please!
My loan was transferred to a new servicer ( XXXX XXXX XXXX ) as of XX/XX/2021.
But the previous servicer Dovenmuehle Mortgage , Inc. went into my Bank account and took {$560.00} on XX/XX/XXXX without my consent. They were not servicing my loan anymore but yet they took money causing me bank overdraft fees.
I have contacted Dovenmuehle Mortgage , Inc. multiple times asking them where's my money and nobody have a clear answer.
They keep saying that they already sent everything over to the new servicer XXXX XXXX XXXX but they don't have any records of any money from Dovenmuehle Mortgage , Inc .
They took money illegally from my bank account and I want it back! This is ridiculous and beyond frustrating. I need help please!!
|
| 09/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I have impound account with my mortgage in 2019 period. End of 2019, I have refinance my house and I paid the property tax due on XX/XX/2019, however, it was supposed to pay by lender because the lender withhold the impound. I have contacted them for refund of escrow balance. They refused and said they dont owe me any balance. As of the last statement, the balance of escrow about $ XXXX plus but I never got any response or rebate from them. I was frustrated and contact them but the refuse to refund. I have no idea what they are doing I need CFPB to get involve in order to get refund from escrow account. I proof you the proof which I paid property tax for my county and also amount of they collect impound in order to pay for property tax and insurance.
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The following ongoing issues remain with my Dovenmuehle account : -their response to my last CFPB complaint is intentionally confusing and hard to follow. My attorney had a difficult time understanding their line of thought.
-their response to my last CFPB complaint states that I can send updated information about my homestead tax deduction and tax lines to XXXX. This is a fake/defunct email address ( see attachment ).
-the balance they are reporting to the credit bureaus does not match any documentation that has been provided to me ( {$4900.00} ) ( see attachment ).
-they agreed in writing on XX/XX/23 to cease credit reporting until the issue with my tax lines is solved ( see attachment ). However, they reported the above balance on XX/XX/23.
|
| 06/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased my home on XXXX XXXX, 2014 and signed a HUD for a FHA mortgage. I paid an upfront premium and I have paid monthly premiums since my XXXX payment. In XXXX, I discovered that FHA had not insured my loan. I contacted my loan servicer, Dovenmuehle Mortgage, and I was told that I would not receive a refund because HUD was holding my payments. I received a follow-up call from HUD in XXXX and was told that my premium had been refunded back to my servicer, Dovenmuehle. I have contacted Dovenmuehle multiple times regarding the status of my premium refund and information on monthly payment updates and was promised a call back and no one has called. I also called XXXX HUD departments and no one can find a case number or information on my situation.
|
| 04/01/2022 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Re CFPB Complaint XXXX & XXXX XXXX XXXX XX/XX/2022 The company responded stating that my partial claim documents were returned and not accepted because they expired. Irregardless to the fact that the documents were received by their company three weeks before they were processed. In the letter dated XX/XX/2022, the company advised that new partial claim documents were being drawn up and that i would receive them before the end of the month. Today is XX/XX/2022 and I have not received the new documents. On XX/XX/2022 I did receive a letter stating that I had not completed my loss mitigation package and that it must be received 37 days prior to foreclosure. I do not understand why I received this type of notice and not the partial claim documents.
|
| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had made a pre-payment for the purpose of setting up a flex payment plan. This payment was made on XX/XX/XXXX. The first payment from the flex plan was supposed to occur on XX/XX/XXXX. This was a bank holiday so I assumed it would occur on XX/XX/XXXX. It did not occur. I called the servicer on XX/XX/XXXX and they told me that they did not do what they were supposed to do and that if I want to be on this plan I need to pre-ay the loan again and then wait for XXXX for the flex plan to start. This is not what I was told would happen. No one working for the servicer wants to take ownership of this issue. I was put on hold for a half hour. A supervisor picks up, transfers me to another supervisor who hung up the phone on me. Now I am on hold again.
|
| 01/28/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX Veteran who began experiencing hardship in XX/XX/2018. I contacted the sub-servicer of my mortgage ; Dovenmuehle Mortgage in XXXX to request assistance. I had missed the XXXX and XXXX payments.
Since then, I have repeatedly attempted faxed and/or emailed my documents to Dovenmuehle and have been given incorrect information, different people to speak with, and received no help whatsoever.
What started as 2 missed payments has turned into a default and now a trustee sale because of this. I am consulting with an attorney to file a civil complaint if I can not resolve this.
I have attached a timeline with dates, names and numbers in support of this complaint.
XXXX XXXX XXXX XXXX, XXXX is the master servicer of my VA loan
|
| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage has failed to pay my property taxes in the amount of {$5000.00} that were due on XXXX XXXX, 2020. They actually paid them on XX/XX/XXXX and then did a reversal of the payment on XXXX XXXX 2020. They are holding the entire funds in my escrow account and doing nothing to resolve the error. I have spoken to my local tax assessors office who informed me that Dovenmuehle has done the same thing with 8 or 9 other accounts that are now past due.
I have contacted Dovenmuehle several times over the past month, they say they are investigating the error and will resolve it however nothing has been done and we are now approaching 30 days past due.
I am worried that this is going to effect my credit rating or worse.
What can I do?
|
| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Dovenmuehle Mortgage account was disputed and removed in XX/XX/XXXX from my XXXX credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by Dovenmuehle the lender as accurate and updated monthly. Yet, XXXX still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.
|
| 01/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.
|
| 01/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my home ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) in XXXX, XXXX for {$330000.00}. I remodeled the home and have a mortgage balance of {$300000.00}. The current market analysis values the home at {$390000.00}. Homes that are the exact same model as mine have sold in the last 90 days for amounts of XXXX and higher. The lender is requiring the home to appraise at {$410000.00} basing PMI off the purchase price. I have never been late with a payment. I would like this to be addressed with Dovenmuele Mortgage XXXX. The purpose of PMI, as I understand it, is to insure the lender should a foreclosure be necessary up until 80-20 is met. I am well beyond 80-20 and seek assistance.
Anything you can do to help would be greatly appreciated.
|
| 06/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions.
XX/XX/Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Im in the process of trying to XXXX with a different lender, I noticed my Credit Score decrease by XXXX points, when I looked there was a late charge in XXXX on my credit- I had a grace period to get my payment in which I paid by and they still reported me to the Credit Bureau XXXX This is very irresponsible- I reached out and and asked a rep to send copy to my explanation this was a error on there part, after she did verify the payment was made by the Grace period and they had to remove the late fee. They failed to update my credit report which have caused my credit to fall drastically. Im very disappointed on everything I have been through with this Company and the very reason Im trying to find a different lender to service my Loan.
|
| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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XXXX XXXX uses XXXX XXXX to process their payments. My payments, principal, interest, taxes and insurance are XXXX a month. However, in XXXX of 2021 my payment was XXXX which raised an alarm because it is automatically debited from my account. I have contacted them several times. They come up with this line of hoopla that my taxes and insurance have risen, which is a complete lie. I have proof from insurance and tax records that this company is stealing extra claiming it is needed for escrow. They need to be investigated further. I have gotten the rudest people and nothing but continuous loops with non existent customer service. Go to find out this company has numerous complaints regarding extra funds taken out, when they shouldn't be.
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| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/2019 Two mortgages were reporting on my credit report resulting in an incorrect debt to income ratio. This was due to one mortgage being transferred to another lender. During this time I disputed DMI/XXXX XXXX to be removed from my credit report as this was not the current lender. XXXX instead removed both loans from my personal credit report, thus negatively affecting my credit score and not reporting accurate or correct information. I have contacted the lender Dovenmuehle to have this re-submitted to the credit bureaus, attached are letters stating the information has been re-submitted to XXXX and this has taken longer than 90 days to fix. I would like Dovenmuehle account XXXX to be put back on my credit report. Thank you
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| 12/07/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Hi My Father asked me to promise him that I would sell his property while in XXXX Soon after he passed. I have the Paid in Full Letter from Dovenmeuhle Mortgage Company.
After almost 2 years of back and forth they can't find the letter, now investigation going on. They didn't know I knew Hud helped him to pay it off. they said it was sent to XXXX. They denied it. I then sent them an email XX/XX/2022, about the Loan Modification application with the help of the Hud office, that they had finally approved that the Loan had been Paid In Full, from them. I have been receiving citations because the property is really fallen apart.
I just want them to give me the Release of the Property so I can go to settlement.
please help me Thank you
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| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are trying to refinance and Dovenmuehle has been uncooperative. They refuse to provide proof of your payment history and even lied that we were never in forbearance. I have attached supporting documentation and our records show we paid in full and reinstatement should be issued. However we were never in forbearance as described in the letter.
This is a high Point interest rate and that they are trying to block our refinance.
I have requested multiple times a payment history of up to 24 months as required by our under writer. They refuse to fax over the correct information and provide the information in a timely manner. We need to close on this refinance today and their inability to cooperate is costing and denying us financing.
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| 07/12/2023 |
No |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dovenmuehle Mortgage servicing and XXXX XXXX are discriminating in the loan modification process. We have sent in a lot of documents including tax returns and they continue to lose the documents. This started happening right when our ID was sent in showing that we are XXXX XXXX. They have given us one of the worst experiences we have faced and the representatives constantly misplace confidential documents. They also stated by various reps that our credit would not be effected while in loss mitigation this was far from the truth our credit went from XXXX to XXXX by their misrepresentations of the program, faulty reviews and reporting and negligence. They have caused severe harm to our household financially and pain and suffering.
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| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Loan was paid off with Dovenmuehle Mortgage on XX/XX/2020. After the mortgage was paid off they took my mortgage payment anyway on XX/XX/XXXX. I called on XX/XX/XXXX to ask them to return my funds they said the funds would be in my account on XX/XX/XXXX they were not. On XX/XX/XXXX they made me send in proof that the money left my account even though they had the funds. New answer on XX/XX/XXXX was 3-5 days this would be expedited to my account. Call in XX/XX/XXXX stated the transaction was going out today and would be another 3-5 days. She stated it would be a wire transfer now they are saying bank draft. Also Escrow account has not been returned. Loan number with dovenmuehl mortgage XXXX. Supervisor spoken to on XX/XX/XXXX XXXX
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| 10/07/2022 |
Yes |
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Web |
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This is actually an addendum to my complaint XXXX. Despite XXXX telling you they're still investigating my complaint, they have sent me TWO letters - one on XX/XX/XXXX and another on XX/XX/XXXX denying they ever received Housing Assistance Fund money to pay off my debt.
HOW IS THIS POSSIBLE, WHEN I HAVE A WIRE TRANSFER NUMBER I GOT DIRECTLY FROM THE PA HOUSING FINANCE AGENCY? The {$8100.00} I owed was paid off in XXXX!!
Attached is my response to their 2 letters, and screenshots showing my correspondence on XXXX with the PA Housing Finance Agency, who have experienced nothing but problems from Dovenmuehle from the beginning of when I applied for a HAF grant ( XXXX 2023 ).
NO ONE SHOULD EVER GET A MORTGAGE FROM DOVENMUEHLE.
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| 08/27/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I requested additional 6 months forbearance. This company only extended for 3 months. I need the additional 3 months forbearance approved.
according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This extension needs to be approved.
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| 11/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Called several times during the last four months to this mortgage company that voluntarily and with purposely tried to still my money. Making reference to the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. They voluntarily tricked me with the escrow payments. They received the reimbursement from the XXXX XXXX XXXX tax office and they never reconciliated the payments that I make. This resulted in the lost of over a {$1000.00} from my money, and a fault report to the credit bureau. They stole over the previous mentioned money due to a scan to still money of their customer, and after several calls to their customer service department, still no action from them. It's a never ending story to still money from disable veterans like me.
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| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my loan out of XXXX XXXX XXXX and the loan was paid off in full on XX/XX/2020. According to the loan service company Dovenmuehle Mortgage Inc the refund check was issued on XX/XX/2020. After several weeks of waiting for the refund check I was told that I would have to wait 30 days for them to issue out a replacement check. I called on XX/XX/2020 to initiate a replacement check. After calling several times and getting the runaround I was told that once again I would need to wait another 30-days to receive the replacement check. To date no one was able to confirm that a replacement check was ever issued. It has been over 60-days since the loan was paid off and I am still waiting for my escrow refund of {$8300.00}.
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| 03/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2020 XXXX distributed a tax payment out of our escrow account to a property we don't own. The property has a similar address. They also made the correct payment for my home. As a result our escrow balance dropped and our monthly mortgage payment was increased several XXXX dollars to make up the deficit. XXXX did not correct the issue and in XX/XX/2020 we were sold to XXXX.
I have sent all the information to the refund proxy department at XXXX in XXXX to try and recover the tax payment in the amount of {$2100.00}. They have yet to reply or contact me. Each time I try to follow up I receive a standard interim letter. I have provided them all the documentation. I have contacted the Town. We just want our money back.
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| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this.
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back.
Help. Never missed a payment in 21 yrs.
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| 05/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The mortgage is serviced by Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX.
This company took over the servicing in XXXX of this year. I was previously paying bi-weekly {$750.00} and the payment was XXXX that left XXXX each two payments to principal reduction. They get the checks and it takes up to 10 days to get the account credited. The last payment was received on XX/XX/XXXX ( It was stamped on a copy of my cancelled check. The web portal states applied on XXXX. The check cleared my bank on XXXX. There is additional funds that they hold in a suspense account until I have to call to be put to principal reduction.
This process seems illegal since they are holding money that can reduce my amount owed.
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| 03/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.
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| 11/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I had an existing claim with my mortgage company and they lied on that claim stating I denied a mortgage modification, when they told me my loan did not qualify and I only had a deferral option. XXXX and SHE had called me on XXXXafter my initial claim XXXX stating they would expedite my application and get the deferral done. This had not happened as of yet and I am still awaiting after my original application date of XX/XX/XXXX for loan modification was submitted.
I have called on XXXX, XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the deferral information and they keep dragging it out and not having supervisors call back with my request. Now they are stating it will take another 90 days to get this process going.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan with Dovenmuehle was paid off on XX/XX/XXXX. When I logged in to confirm my loan was paid in full there was a disclosure that stated to allow 15-20 days for escrow refunds. Since that time has lapsed, I have called on at least five separate occasions and been told every time that a task would be opened and to allow an additional 6-10 business days for the refund. Today ( XX/XX/XXXX ) when I called, I was told that the " wrong task '' had been opened previously and now the correct task was being opened and I should allow another five days for the funds to be processed. I'm not hopeful they will resolve the issue so rather than continuing this fruitless cycle, I'm filing this complaint in hopes it will be resolved.
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| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This company does not offer any options internally to make biweekly payments nor do they accept " partial '' payments to be AUTO-DRAFTED bi-weekly from my personal checking account.
I called today and spoke with a customer service representative who said I had no other options. I asked to speak to someone so I could make a record of the request to consider this option and she said there wasn't anything they could do and she knew that wouldn't help.
I know banks are in the business of making money, but seriously I wanted to attempt to save money, pay upfront a month, and initiate bi-weekly payments and was offered no options. Unacceptable. This company should have a bi-weekly mortgage payment program for its customers.
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| 12/11/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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An error was made by the mortgage company ( Dovenmuehle ) where they made an additional escrow payment in XX/XX/2020 to the city of XXXX, CT. As a result, my account was reflected on their side as being underfunded and they increased our new payments by XXXX $ XXXX/month. I have reached out to them for over 2 months now to resolve this issue multiple times proactively and they have told me that they lost their analysis, needed to conduct a new one, and they still have not resolved my issue. This issue is solely with Dovenmuehle and we can not afford to keep paying these overinflated monthly payments because of a mistake the mortgage company made in error. I need help because the mortgage company continues to ignore me.
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| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I sold my house on XX/XX/2020. I attempted to stop the auto draft for the payment on XX/XX/XXXX, by notifying Dovenmuehle that they were not authorized to charge my account. They charged it anyway, despite the loan being paid in full during closing. They owe this payment back, totaling {$1900.00} After closing, they also owe my escrow refund in total of {$5700.00} The total amount owed to me is {$7600.00} I have made multiple calls to Dovenmuehle regarding these refunds and no progress has been made. I have still not received checks, over 30 days out of closing. Dovenmuehle claims the checks were made on XX/XX/2020, but here I am on XX/XX/2020 without any check.
Every time I call, there is a new excuse as to why.
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| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Specialist id # XXXX Covid19 XXXXXXXXXXXX XXXX XXXX I don't think I have ever received worse service and customer service from a company in my entire XXXX years of life.
After being approved for forbearance from XXXX/DovenMuehle Mortgage/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020.
At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
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| 12/22/2020 |
No |
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- Trouble during payment process
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|
Web |
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I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016.
I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property
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| 07/04/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Due to the pandemic of Covid-19, I contacted my mortgage company on XX/XX/2020 to let them know Im experiencing a hardship due to the pandemic. Ive been trying to see if I qualified for a special forbearance so I wont fall behind further in payments. Ive emailed them several times, I put in the request online as well. I still havent heard back from Loss Mitigation. I called my mortgage company again on XX/XX/XXXX and the agent told me that the request is in the computer, but wasnt sure why I havent heard back anything yet. I reached out to loss mitigation again that same day, and couldnt get through. I left a voicemail with my information to return my call, but still nothing. Im uncertain about what to do next
|
| 03/11/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
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I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property
|
| 12/27/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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I refinanced my mortgage, which closed on XX/XX/XXXX. My " old '' mortgage company ( Dovenmuhle loan # XXXX ) owes me {$3700.00}. They advised me that the check for that amount would be received by me on XX/XX/XXXX ( after a waiting period of 15 business days since closing ). To date I have NOT received the funds as promised. I was told that the check was " cut '' on XX/XX/XXXX. I find it interesting that the bank charges me " interest '' on monies that I owe the bank, but NOT the other way. Its mind boggling that Dovenmuehle is so arrogant. I was on the phone with a supervisor onXXXX at XXXX and she hung the phone up on me. I want my money plus interest from when I paid my mortgage installment on XX/XX/XXXX.
|
| 04/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I contacted Dovenmeuhle as they are the mortgage servicer for XXXX to resolve a dispute over a mortgage payment. The company had me showing as past due even thought I have made additional payments and should be paid more than two months ahead. I was advised by the representative that I am not allowed to make additional payments and that even when I do, they are put into a suspense account and are not applied to my loan, thus decreasing my principal balance and, over the life of the loan, my interest costs. This does n't sound right to me. As long as I am meeting my contractual obligations to them I should be able to pay as much and as early I 'd like as there was not stated prepayment penalty in my loan note.
|
| 11/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My escrow is short money. I tried repeatedly to get a statement about all monies paid into and out of my escrow account to no avail. They responded only by saying they need more time. Its been weeks now. I will call the CFPB # on Monday to talk to someone at that agency.
If I get no help from you my next steps are the Attorney General, XXXX XXXX XXXX. XXXX XXXX, who owns the loan, and a private attorney. They are stealing money and mismanaging my account.
Start calculating from the day you took over, XX/XX/2021. My escrow balance on XX/XX/2021 was {$2700.00} + XXXX XXXX + XXXX XXXX ( XXXX ) XXXX.
Minus 6 mo XXXX, ( XXXX ), and XXXX taxes ( XXXX ) = XXXX THIS IS MY CURRENT ESCROW Account ending with XXXX
|
| 12/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I refinanced my mortgage with which I had to make escrow payments with a different company. The mortgage was serviced through another provider, XXXX The new company paid the loan in full on XX/XX/XXXX. The company says they mailed me a refund check on XX/XX/XXXX. I spoke with someone through chat about not receiving the check at the beginning of XX/XX/XXXX The escrow refund was reissued on XX/XX/XXXX because I complained that I had not received the check ; my guess was they did n't include my condo 's Unit number and the check was sent back. I was told that was the correct reason and they would include the Unit number. I have not received the check that was originally issued or the check that was reissued.
|
| 06/17/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a mortgage with XXXX, DMI my escrow account got messed up and home insurance did as well. I got granted forbearance XXXX, then started working with loss mitigation XX/XX/22 when I got my first packet. I been actively working to get everything to them and no communication from DMI or loss mitigation after 10 phone calls I finally contacted someone on XX/XX/22. Told they have everything and that would escalate to help avoid foreclosure. Dual tracking has occurred and I have been working with a HUD approved counselor to get everything working. However foreclosure has commenced while Im actively working with loss mitigation, Im trying to avoid foreclosure and help prevent others from experiencing this.
|
| 02/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.
|
| 11/17/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I never received credit for a check I returned and never cashed. ck # XXXX for {$2000.00} dated XX/XX/XXXX.
I was charged a late fee for an illegal, improper debit of my account for a mortgage payment on XX/XX/XXXX while they were holding my check # XXXX for that payment which they had received XX/XX/XXXX via XXXX and did not process until XX/XX/XXXX.
I believe the late fee of {$20.00} was imbedded in a improperly posted deposit I made to the escrow account on XX/XX/XXXX for {$360.00}. I only received credit for {$340.00} deposit despite the amount on the actual check.
My mortgage was sold with incorrect balances to XXXX effective XX/XX/XXXX and these issues were never acknowledged or resolved.
|
| 03/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?
|
| 07/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Pursuant to a previous complaint that was filed because they failed to timely pay our property taxes, which they held in escrow, Dovenmuehle Mortgage paid the taxes and, from their own account, the penalties, closed our escrow account as of XX/XX/2021, and promised to return the funds remaining in our escrow account ( {$3900.00} ) to us. They have not done so, apparently because they mistakenly submitted a second property tax payment, and claim they can not get a refund until XXXX. Even if they have to wait until XXXX for the refund, which is not confirmed by the XXXX County Tax Office, we should not have to wait for our funds because the mistake was theirs and the refund will be paid to them.
|
| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I canceled my auto pay option for my Dovenmuehle mortgage on XX/XX/18. Then i manually paid my mortgage on XX/XX/18. On XX/XX/18 the auto-pay tried to take the money out of my account anyway and the payment was declined. XXXX gave me a XXXX dollar return fee even though I had paid my mortgage on time. When i called in to have the fee waived i was told that even though i made my mortgage payment on time that they would not consider waiving the fee unless i submitted a written letter to their review department. I feel like assigning an undisclosed fee to a customer without giving them ample opportunity to avoid the fee is deceptive and designed to profit off the customer without their consent.
|
| 01/10/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Doevenmule/XXXX XXXX paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by DovenmuleXXXX can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The Mortgage servicing company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received.
Their negative status of my mortgage will prohibit me from a future refinance or a new loan.
i would appreciate your help.
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My mortgage with XXXX Bank was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( XXXX bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from Studentiad.gov. I was trying to secure a loan for my XXXX college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over 80 plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...
|
| 03/17/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
My father, purchased land under the Texas Veterans Land Act. My father passed in XXXX and I, his son, continued to pay the loan. I recently paid off the loan and my last check, {XXXX}, was refunded to me, but in my fathers name. I called Dovenmuehle Mortage and explain I was unable to cash the check and asked them to remit the check in my name. I submitted all pertinent information they requested and have made numerous calls to update my request. Initial call was made XX/XX/XXXX. My last call was today, XXXX XX/XX/XXXX. I keep getting redirected and have received no satisfactory answer or check. I have also filed complaints with the Texas Attorney Generals Office and Savings & Mortgage.
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX Timely escrow payments and treatment of escrow account balances.
Section b ) Refund of escrow funds on loan payoff within 20 days.
Dovenmuehle - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, IL XXXX XXXX Conventional mortgage loan paid in full XX/XX/2021Escrow balance : {$3100.00} Bank refuses to refund escrow funds, no reason given. They claim they issued a refund check XX/XX/2021, never received.
ContactedXX/XX/2021 they said they would not issue a replacement check until 30 days had passed.
Contacted XXXX, claimed they would process a replacement refund check.
Contacted XX/XX/2021Refused to refund, no reason given. " It takes 60 to 90 days to process a replacement refund check ''
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since XXXX I have been trying to submit a request to have our home appraised in order to potentially remove the PMI I've been paying. During the beginning of Covid, I was furloughed from my job. I put my loan in foreberance for a total of 3 weeks, and paid my loan current when I was allowed back to work. We've requested the late payment to be removed, and were assured by multiple people that " a note has been put on the account, '' and to re request a PMI removal. It's been 3 times, and we've been denied due to a " Late payment '' each time.
I have communicated with the bank if our house does not appraise well, I would be willing to pay the extra principal to get our loan under 80 LTV
|
| 01/27/2019 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I feel I was a victim of illegal practices by XXXX XXXX XXXX during the time of XX/XX/XXXX to XX/XX/XXXX. As I understand it this case has since closed and I am upset because I am just getting the claim
paperwork. I want to know if there are any unclaimed monies that I might be eligible for since I feel was a victim of this illegal practice. I was in loss mitigation over a year and never got any assistance, meanwhile my mortgage continued to escalate and add up. I realize you need particular I formation regarding fees and fines & overages I may have been charged and will do my best to provide this documentation. I just want to know if I can still file a claim and if I was due a refund.
|
| 12/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
During the pandemic, I went into forbearance on my current mortgage. I live in XXXX, and as soon as XXXX approved their plans on how to assist affected citizens with the XXXX XXXX XXXX XXXX dollars, I applied to the state. They processed my application and have been waiting on the servicer, XXXX, to sign on with the state so the can move forward. I have not been able to get get a clear answer on any of this from XXXX and just keep getting a different answer every time I call and each solution generally involves, just wait it out and be patient. This mentality has just added to the delays and I am just ready to get this resolved and move on, however, I can't because of the servicer.
|
| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern, I have a mortgage with XXXX XXXX Bank. During Covid, starting XX/XX/2020 I put the loan in forbearance due immediate Job loss due to covid-19. In XXXX 2020, I returned back to work and Called the bank to discuss options for payments, it was decided deferral was the best option and we worked with loss mitigation to make this successful. It has been over a year and it is still not cleared up. Since XXXX 2020, we continued to make monthly payments and have paid a total of {$16000.00}, a total of 13 months of payments. We call every month trying to fix this problem but they keep messing it up. Now, we are in a terrible financial situation due to this problem.
|
| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX XXXX Bank took {$680.00} out of my escrow account to take out a flood insurance policy with XXXX. XXXX Bank has had a copy of my Flood Insurance policy with XXXX since they purchased my loan from XXXX XXXX XXXX in XXXX of XXXX. I have submitted copies of the flood insurance policy sent several messages and called the customer service number. Through the online messages, calls and letters I was informed that XXXX refunded the {$680.00} to XXXX Bank, but XXXX Bank accidently funded another customer 's account my money. Last they responded they were expecting to have the money in my account by the end of XXXX. The {$680.00} has not been refunded. It is now XX/XX/XXXX.
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After my bank sent my mortgage to a new servicing company in XX/XX/2021, my escrow account was short money. I complained and they said they found an error. They also raised my payment for escrow when it should have went down due to a reassessment on my property taxes. I provided them this information and they still raised my payment. My escrow account is not managed properly and I believe they are stealing money. I have asked for a statement with all monies paid into the escrow account and all monies paid out of the account to no avail. It has been weeks now.
I want to know where my money is.I have ALL statements and receipts for all monies paid into, and out of, the account.
|
| 09/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a HELOC with them as well as my original mortgage.
Sometimes when I have extra money, I pay it toward my mortgage, making an OVERPAYMENT. Dovenmuehle Mortgage is placing all my overpayments into a suspense account. They will not apply these funds to my mortgage. Instead, they are using the funds for their own benefit.
I have spent hours on the phone trying to resolve this. Their reps don't even know what a suspense account is and they don't care enough to find out. When I ask for a supervisor I am always told they are not available but will call me back. I've never been called back. This is just a ploy they use to get you off the phone without resolving your issue.
|
| 12/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.
|
| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We sold our home and paid off our mortgage to Dovenmuehle on XX/XX/2020. We have about {$16000.00} in an escrow account with Dovenmuehle that we have been unable to collect. We have tried numerous times, at least a dozen, to call and request a check be sent, and have been told on a few occasions that one had been sent, or would be sent in the next few days, but we have never seen a check, and they have never provided any evidence that one has gone out. They keep us on hold for long periods of time, disconnect our calls, and give us different information about then status of our funds on different calls. In a few days it will have been 4 months since we paid off our loan.
|
| 08/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The loans solution center for XXXX-XXXX XXXX warns callers that if they request forbearance it will have direct negative impact on their credit report. This warning goes against the specific wording of the cares act which states that requesting covid-19 for barents on your FHA or otherwise XXXX protected loan will not negatively impact your credit report or history.
after 2.5 hours on the phone waiting on hold there was not a representative available at loan solution center or XXXX-XXXX mortgage that was able to address this specific issue.
This is a specific and direct attempt to bypass the cares act and avoid issuing GSE and FHA protected covid-19 forbearances.
|
| 02/16/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home.
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income.
Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX.
This is ridiculous to me since its almost 1 year seeking help and still no results.
Please help.
XXXX XXXX
|
| 01/16/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.
|
| 02/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello, I had a hardship, and had fell behind on my mortgage payments. I was approved for the Maryland XXXX XXXX, and they have submitted funds to my mortgage company on XX/XX/2022, and the mortgage company has yet to say they received the funds or applied to the account. I have been working with a housing counselor as well, provided proof to the mortgage provider of the payment from Maryland XXXX.
It has been over a month, and it should only take XXXX days to process, and I need to know if I need to make my mortgage payment for XXXX or not.
I have called almost everyday, and they say they see I was approved and working on the funds and have not received them yet.
|
| 07/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been contacting them since XX/XX/2022 asking for PMI removal. They eventually sent a response asking for a payment to get a BPO. I promptly submitted my payment. The appraiser made an appointment and completed appraisal. Appraiser confirmed sending it in to the company, but will not give me a copy. DOVENMUEHLE has not responded to my repeated requests for a status report and a copy of the appraisal. I have sent several secure communications through their website and made attempts at phone calls with messages, none were responded to. This company is intentionally ignoring and delaying the process. I would like a refund of PMI charged since my initial request.
|
| 12/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.
|
| 06/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
There are two issues. The first is I am unable to pay the mortgage company because their website does not work. I can not log in and I've called them multiple times about this, but they have not fixed it. Second, they sent a 'coupon ' book which is supposed to act as monthly statements. The problem is that when we paid extra principal, these 'coupon ' books don't account for what our actual monthly statements are. The company is clearly violating the periodic statement rule, also since we are unable to pay promptly our interest payments are higher since it takes up to a week to pay. Last time I had to pay over the phone, and the company charges a fee for that.
|
| 10/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DOVENMUEHLE MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/21/2022 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have contacted Dovenmuehle Mortgage on several occasions. I am currently in a modification plan and during this process they are still reporting a past due balance and Late payment status of 120 days. In the comment section it says the account information meets the FCRA. Also, we were going through the pandemic so they did not utilize the Cares act. Also according to 15 USC 1681 2 A ( i ) - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting transactional experiences.
|
| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage is servicing my loan. Insurance was due on XX/XX/2020. As of XX/XX/2020, my insurance was not paid. They overnighted payment upon my request to the wrong address. XXXX cashed the check, then refunded payment onXX/XX/XXXX. Refused to reinstate policy. DMI said they didnt have the returned funds. As of XX/XX/2020, they found the funds with their 3rd party insurance vendor. I have no insurance and a new policy is {$4200.00} versus the {$2900.00} policy I had. I do not feel I should be penalized for the mistake of the servicer not paying the insurance premium on time. It was paid 35 days late by DMI and XXXX refused to reinstate the policy.
|
| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check.
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address.
On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address.
On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}
|
| 09/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I, XXXX XXXX XXXX, XXXX has tried for nine months and file six complaint to Consumer Financial Protection Bureau ( CFPB ) to no avail. They're trying to transfer my loan to XXXX XXXX but has stated that they have only five payments from me. I have never been connected to a company so incompetent as Dovenmuehle/XXXX XXXX, all veteran of the XXXX Forces please be aware and never get involved during business with these two companies. This company place my loan into forbearance without my knowledge as they were suppose to be working my complaint. If, they tell you they're faxing your documents over to investigation department please be advise you're screwed.
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I had a loan with Dovenmuehle Mortgage Company XXXX XXXX of XXXX XXXX in XXXX and XXXX.
On XX/XX/XXXX I called them asking for the 1098 's for this property for those two years. They said it would take a month. I waited a month with no reply. I called again and they said they would mail them out. Nothing. I called again. Nothing. I sent a certified letter to Mr. Dovenmuehle and recieved a form letter stating the Research department will make an effort within the time alloted by the law. I've told them this is for an IRS audit. They dont care. This company refuses to respond or give any kind of customer service other than lying that they have helped out.
|
| 12/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Refinanced mortgage with lender had a impound account with Dovenmuehle mortgage services located in XXXX IL, 5 years ago. This particular company did not report to me that my wife and I had a overage of over XXXX dollars. No check in the mail, no notice, no phone call. They held on to it for 5 years now it sits in Californias unclaimed property trust that I have to jump through hoops to obtain. Californias trust just received it 3 months ago. When I called Dovenmuehle 6 months ago, I informed them I have documentation that I had a impound account with them on a previous mortgage they said I had to contact CA and would no longer talk to me. Thanks again
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting
|
| 10/03/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan was recently sold from XXXX to Dovenmuehle. In this transfer my first statement from Dovenmuehle states that I owe {$260.00} for a property inspection fee on XX/XX/2018. My loan was transferred on XX/XX/2018 and there has been no property inspection, nor should there have been due to the RESPA protection. Dovenmuehle repeatedly indicates that it was from the previous provider XXXX. In no statements or documents from XXXX is that fee listed anywhere. Dovenmuehle will not remove this fee and they keep insisting it is from past mortgage providers even though there is no record of this. I have asked them repeatedly to remove it and they will not.
|
| 06/18/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
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.
|
| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage Inc. outlined options for us to have PMI removal. One of the options was a new appraisal and proof of some type of significant update. We had a new roof put on ( significant update ) and our home value went up from XXXX to XXXX. Our loan is currently XXXX. The LTV ratio is well below 78 % now but the company REFUSES TO REMOVE THE PMI. They now state it needs to be below 75 % LTV ratio. Again, the original letter stated 78 % and now that the appraisal came back high enough, they have changed the requirements. We are obviously very upset that we spent over {$500.00} on an appraisal and are now refusing to honor the original terms.
|
| 07/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I applied for and received assistance from the Homeowners Assistance Fund of Rhode Island ( XXXX ) to help me with missed payments due to XXXX related reasons. They awarded me with a reinstatement grant of {$7500.00} which was sent to Dovenmuehle on XX/XX/2023. This payment would bring my account current but Dovenmuehle continues to hold my account in default. They continue to charge late fees and cause negative remarks on my credit report. When I contact the company no one can tell me what happened to the payment or why it has not been applied.
I am concerned they are trying to force this mortgage into foreclosure despite having received payment.
|
| 12/05/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX to Service my VA home loan. The problem has I contacted XXXX XXXX XXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of Mississippi to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX XXXX which violates the Mortgage Servicing Clause in Release tractions amendments of the state of Mississippi.
|
| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my dispute is not correct, because I don't have an Issue ( Trouble during payment process ), and because they didn't addressed my issue about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the main issue ( the Appraiser Report ). So, please, if you could let them know about my concern.
With my all Appreciation.
Thanks.
XXXX XXXX XXXX
|
| 02/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?
|
| 10/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020, I paid Dovenmuehle Mortgage by automatic payment my monthly mortgage of {$1600.00}. The paymnet cleared my account on XX/XX/2020. After payment was sent, I received notice of a serving transfer. As of XX/XX/2020, I called the new servicer and no payment was forwarded from Dovenmuehle Mortgage to the new servicer. I called Dovenmuehle Mortgage and was not able to talk to anyone about this. I emailed Dovenmuehle Mortgage and no resposne was received. As of XX/XX/2020, Dovenmuehle Mortgage has not applied my mortgage paymnet, has not refunded it, and has not forwarded it to the new servicer. In short, they stole my money.
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The bank discriminate against me took my name of the mortgage refuse to give me any information about the loan and how i can save the house and trying to forclose on it .they been so hateful to me telling me they do not know me but yet i got a letter from.the lawyer that they are foreclosing on the house and i cant get involved in saving it and told me do what you have to do we do not care i do have the name and the number of the guy that refuse to deal with me And they need to wuit sending buyers to lool aroumd and remodeling compagnies for estimates ome of them destroyed my plumbimg and electric when i m tryimg to get help
|
| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.
|
| 10/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage servicer was inept & consequently did not use my escrow account to purchase home insurance from XXXX XXXX.
The m0rtgage company told me that I needed insurance, or my insurance would be " force placed '' Consequently to be safe, I paid XXXX XXXX directly with my credit card.
I have sent proof of insurance twice to XXXX, and they still state that I have no insurance, and so my insurance must be " force placed '' This is not the first or even the second problem I've had with XXXX, but it is the most recent.
To be safe, I purchasedMy mortgage servicer said to confirm my home address ith my insurance company.
|
| 10/04/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been requesting a monthly statement for the last 4 months. Because this XXXX/ dovenmuehle mortgage, Inc. have a habit of changes in lawyers, as well changes of where the mortgage is to sent. Besides i would also like statement for my own records. in the past several years they reported to credit agency that i had not paid my mortgage in two 2 years, they done this to many times. we have requested the check returned to us. which they claimed that we received, when in fact we had not.
With all the reports on both these company, you would think some would of have the guts to really look it them. enough is enough
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My PMI was not automatically canceled from my mortgage, despite being up to date on all payments and at 68 % of the principal balance. I called Dovenmuehle have it removed and it was done promptly. However, I then asked to have the premiums returned to me as the PMI should have been automatically canceled at 78 % and was not. I sent an email to the company, Dovenmuehle, who responded by saying that they were only responsible for removing the PMI once I requested it and not before and thus owed me no premiums. No mention was made of the fact that they were required to automatically cancel at 78 % and had not done so.
|
| 05/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a follow up to CFPB Case Number XXXX. Dovenmuehle 's response does not answer the complaint. There response is the {$150.00} fee is non-refundable setup and maintenance fee per the Budget Drafting Agreement. However, multiple phone reps. gave incorrect information to the consumer. How is this in the best interest of the consumer and protecting the consumer? Zero accountability on Dovenmuehle 's side on their error. I will be taking legal action if the {$150.00} set up fee and interest of {$150.00} is not reimbursed to me via check. It is about principle of what is right and making it right for the consumer!
|
| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
THE LOAN SERVICING COMPANY OPENED AN ESCROW ACCOUNT WITH OUT ANY AUTHORIZATION, THEY STATE THAT THEY PAID THE PROPERTY TAXES AND THATS A LIE, THE XXXX XXXX XXXX TAX COLLECTOR SENT AS AN EMAIL LETTING US KNOW THAT THE TAXES ARE DUE. AND ONE OF THE LOAN SERVICING AGENTS NOTIFY ME THAT THE XXXX XXXX XXXX HAD RETRNED BOTH CHECKS BACK WITH OUT BEEN CASHED. AND THEY ARE STEAL TRYING TO FORCE US TO PAY ESCROW AND WERE NOT GOING TO DO SO.AND WILL LITIGATE THE MATTER FURTHER. AS THIS IS DONE IN BAD FAITH WITH INTENTION TO DEFAULT AND STEAL THE PROPERTY AS THE BANKS DID IN THE 2008 MELT DOWN. WHERE GOVERNMENT DID NOTHING.
|
| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
On XX/XX/2019 Me and my wife opened a mortgage account together. Dovenmuehle the loan servicer was originally reporting the loan twice on my personal credit report with XXXX. As DMI and as Dovenmuehle, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. DMI should be reporting to my XXXX credit report with the accurate loan information. Accurate information is now missing.
|
| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle mortgage had taken out XXXX today out of my escrow account stating for Hazard insurance. When they last paid my hazard insurance on XX/XX/2019 for XXXX the full balance. I thought maybe there paying this in increments? But the amount that was taken doesnt even make sense. I demand to know where you sent MY escrow money and why this was even done when we had just paid the full amount 4 moths ago! Are you attempting to place us in negative escrow balance again to raise our monthly payments like you have already done?! Our taxes are due soon and we wont have enough for them due to this!! Escrow fraud!
|
| 04/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 12/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XX/XX/2022, I agreed to a COVID-19 payment deferral agreement with XXXX.
XXXX XX/XX/2022, XXXX wrote a letter saying my new monthly payment will be increasing by over {$1000.00} to {$4400.00} to make up for an escrow shortage.
XXXX is requiring me to make up the escrow shortage over a 12 month period.
If the shortage was spread over 60 months rather than 12 months, my payment should go up by only about {$200.00} rather than by over {$1000.00}.
XXXX XXXX requires that escrow shortages as a result of a COVID-19 payment deferral agreement must have the shortage spread over 60 months ( and not 12 ).
|
| 05/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
Dovenmuehle employees getting kickback from a crook that stole XXXX XXXX XXXX XXXX XXXX see XXXX XXXX then XXXX {$6.00} bill tax asset. " 08extraordinary year 'XXXX wink Stolen from U.S.! so he has cash to buy off Dovenmuehle with kickbacks. He is buying home for XXXX the value of a stolen XXXX XXXX valued home of a senior citizen!!
identity theft, ( driver 's license stolen and forged deed ) she made payments for 42 years on the same Property, the Identity theft, forgery, deemed Credible by fbi XXXX office, SEC XXXX XXXX Id theft guy Stole {$80000.00} cash out stolen 2 recent mortgages identity theft.
|
| 09/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
I have a mortgage with XXXX XXXX XXXX that is being serviced by Dovenmuehle Mortgage. Every month I pay my loan on line. This month the system will not let me in. When I called they forwarded me to the web team. They stated that there has been some issues and had me try several different addresses with no luck in getting in. They then asked me to try later, which I did and I can still not access my account. So for me to pay I have to do a pay by phone and they are not willing to waive the phone payment fee.
This is a deceptive practice and they are forcing me to pay a fee that I should not be charged.
|
| 04/29/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
In XXXX I contacted my mortgage company to start the modification process they had all of the required paperwork by XXXX. I had requested calls several times nothing!! Eventually I got my modification papers in XXXX sent them back in XXXX and got a call in XXXX stating it was missing a signature. It wasnt everything was marked.
They re sent them out got them in XXXX sent them back again they are now claiming they never got them however we have the tracking number and employee name who received them. No one will call me back or email or anything for that matter!!
No one is even working in an office!!!
|
| 08/31/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to apply for a loan mod for _____180__ days, and was told I had a complete file XX/XX/XXXX and that I would have a response in 30 days. Then on XX/XX/XXXX they told me that you needed to submit additional documents this was the first you had heard that anything was missing as they did not send you a written notice that the file was incomplete. They are holding up my other application for emergency funds which then holds up my loan mod as well. The mortgage company also does not reply to my emails and has a history of telling me one thing via phone then telling me something exactly.
|
| 05/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX had noted that our home equity was paid off and that they were going to send the satisfaction of lien to my county records department. As of XX/XX/XXXX this still has not happened and Im yet again told to wait another 10 weeks for the lien release to be recorded. They have screwed me out of refinancing at an extremely low interest rate not once but twice. I am frustrated. I would also like to note that Dovenmuehle Mortgage services the loans for XXXX XXXX XXXX so I was told yesterday from XXXX that since the loan is paid off they dont deal with the account anymore.
|
| 12/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX made a XXXX payment which has not been applied to my account. I called loss mitigation and informed them that XXXX XXXX XXXX XXXX made a payment in XXXX. After doing some research I received an outbound phone call by a women in loss mitigation and I was informed that guaranteed rate received the payment. XXXX XXXX XXXX XXXX also reports that no one at guaranteed rate is confirming or denying that they have received the payment so they could not reissue it. Guaranteed rate is still reporting it as missing when it should not be. I have also attached the receipt of the payment
|
| 08/17/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have tried multiple times to figure out why the business claims that I have missed a mortgage payment, but no one at the business has provided information on what monthly payment was missed and where my payment went. I have sent in my bank statements with the corresponding statements, showing proof that I have made all payments due ( to current ) and no one has resolved this issue or will call me back with answers. They continue to respond leaving my the same contact information that leads nowhere. The same issue occurred last year and the resolve ended up with the business owing me money.
|
| 11/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
i was given forbearance starting in may, going through XXXX. I was buying another house and opted out to be able to get the new loan. I paid {$5000.00} on XXXX XXXX to become current. As of XX/XX/07 Dovenmuehle, the processer for XXXX XXXX, has not applied the payments correctly. this is giving me an inaccurate payoff amount now that i am selling the original home that was in forbearance. I have discussed this with several representatives of both companies and no one is able to give me information on when this accounting process will be completed. I am trying to close on the sale XXXX XXXX.
|
| 06/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On XXXX XXXX I finally spoke to multiple individuals requesting COVID-19 mortgage relief while we try to bring our income level back to pre-COVID-19.
I requested that XXXX be rolled into the 180-day request. However, Dovenmuehle has just sent a letter via the consumer complaint site stating that XXXX is considered delinquent and will only provide me with 90 days of relief. I am enclosing their letters and the VA guidelines that Dovenmuehle is required to adhere.
Therefore, my request is that Dovenmuehle correct the paperwork to reflect XX/XX/2020 in the calculations for the next 180 days.
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late.
XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX.
XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX.
XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX.
XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
|
| 05/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of.
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong!
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.
|
| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.
|
| 07/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dovenmuehle bankruptcy department is not sending in the amendment payments to the XXXX XXXX bankruptcy courts. I spoke to XXXX 's who is in charge of my case she said get in Nothing has happed. XX/XX/XXXX I received a letter from the cfpd that XXXX sent to you that state the bankruptcy is no longer needed. I spoke to XXXX in lossmitigation hud did a check for the XXXX. I was approved for a parcel loan modification. On XX/XX/XXXX I spoke to XXXX 's with bankruptcy that when I was to she would get admitted bankruptcy paper work in. I have attached proof of phone calls dates and time
|
| 10/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We were approved for 3month Covid-19 forbearance in 2020 XXXX, XXXX, XXXX. We have paid every payment since the end of 2020 's 3 month forbearance period on time although we have been reported as 120 days late since the forbearance period and no data for all payments in the past year and a half have been reported to the credit bureau. Us and our housing counselor have been in contact with Dovenmuehle Mortgage and XXXX XXXX XXXX XXXX monthly to address this issue but it does not get corrected so mine and my wife 's credit score continues to drop as a result of the error on reporting
|
| 10/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a XXXX XXXX loan, recently asked Dovenmuehle for a COVID related forbearance, they told me on XX/XX/XXXX that the COVID related forbearances options have ended. I was also told that I had a COVID forbearance in XXXX, I do not agree with this, I had called Dovenmuehle to inquire of a XXXX but did not accept XXXX.
This impacts being able to move forward.
In an effort to keep my house, I continued making payments while letting other bills pile up. I would like to now obtain a forbearance, I understand from my Housing Counselor that the COVID emergency has not yet ended.
|
| 01/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, Dovenmuehle Mortgage took over my mortgage from XXXX XXXX XX/XX/2018. Since then they refuse to post my XX/XX/XXXX and XX/XX/XXXX payments I made on a timely basis. They have added late charges and forwarded mitigation paperwork. I have called their customer service every day to get this resolved and they keep saying we will know something in ten days. This has been happening since XX/XX/XXXX. They have my payments and they are showing on line, though they have not taken off late fees and still will not credit my account. I am so discouraged. Where do I turn?
Thank you.
|
| 05/04/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation.
|
| 02/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
New escrow analysis reflected inaccurate payment dates for taxes and insurance to create a larger shortage that I believe will actually exist. The new escrow amount will add another approximately {$150.00} to my monthly mortgage. If the actual dates when I pay my taxes and insurance are the same this upcoming year as they were last year, then believe it should only go up by approximately {$50.00} per month. For instance, I paid my city and county tax in 2018 in the month of XXXX. The new escrow analysis has me paying them in XXXX, artificially inflating the shortage I believe.
|
| 08/26/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Please research XXXX. This is the agent that XXXX uses that was giving me false information while my home was going into foreclosure. They continued to give me misleading information about my forbearance situation and told me everything was going to be just fine while going through loss/mitigation. All of my phone calls are recorded at XXXX. It seems as if they intentionally were stalling by giving me false information while not communicating with XXXX. I believe there are probably more victims of this situation. If you can contact me, I am at XXXX or XXXX. Thanks, XXXX XXXX
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Mortgage account was mistakenly reported in XXXX of 2019 on my XXXX credit reporting resulting in the removal of the tradeline. Have contacted dovenmuehle and XXXX to have this account verified as accurate. Several complaints and Months later, dovenmuehle states it's been reported to the credit bureau while XXXX is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
|
| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My complaint is against DovenmuehleXXXX XXXX My original mortgage loan was with XXXX XXXX for {$630000.00} on XX/XX/. It was later transferred by XXXX XXXX to DovenmuehleXXXX XXXX XXXX shows the loan received as {$630000.00}, but input the principal balance owed at {$730000.00}. I never accepted additional money nor signed for additional loans from them. They have been given multiple documents supporting there mistakes and are dragging their feet to fix this error. I am currently in escrow to close the sale of my house and can not complete due to this {$100000.00} error.
|
| 11/16/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX. XXXX my loan was paid off in full with the Dovenmuehle Mortgage, inc..
To date have not received the {$3000.00} plus escrow account balance.
I have made several attempts to have this paid, much recently XX/XX/XXXX and XX/XX/XXXX.
On both of these dates, I was told that there was an error with processing. Today i asked for a specific date that I could expect my refund, but was told that it had to be escalated.
Also, on received a letter dated XX/XX/XXXX stating that my original inquiry is under review.
Loan number : XXXX Research Dept. number : XXXX
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX Mortgage is refusing to accept the valid XXXX XXXX XXXX XXXX document provided by homeowners insurance company. When contacted by Insurance company and attempted to explain the Master Insurance policy, and how it works, the XXXX Department agents at XXXX Mortgage are rude, very unprofessional, disruptive and keep referring to the policy which does not make sense and appears to contradict industry standard. When requested to be transferred to agents managers, they refuse. I am puzzled why the homeowner is caught up in-between XXXX company and XXXX Mortgage dispute.
|
| 08/13/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, can % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX.
This extension needs to be approved.
|
| 03/30/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am in need of your support in working with my mortgage servicer in understanding my options for a FHA COVID-19 Forbearance. I would like to connect with you, as a HUD-approved housing counseling agency, in this assistance.
I am with XXXX of Colorado. My mortgage servicer is Dovenmuehle Mortgage Inc at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. There phone XXXX XXXX XXXX. My loan number # XXXX.
I am having a financial hardship due to COVID-19. I Request a COVID-19 Forbearance for my mortgage payments.
sincerely, XXXX XXXX XXXX 1-308 All Rights Reserved
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of this year, my mortgage was sold from Dovenmuehle Mortgage, INC to XXXX XX/XX/XXXX. At the moment, my loan was in forbearance. Prior to selling the loan to XXXX Dovenmuehle reported my loan as 120+ delinquent, which was not true as it was under forbearance as per the terms of my agreement with Dovenmuehle .
I have been trying to request this correction from Dovenmuehle for over 5 weeks. On my report, the account indicates that it has been closed with a {$0.00} balance, but my credit score is still 70+ points lower than it should be due to their error.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Paid for a XXXX membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to XXXX. Information has not been updated by XXXX timely, and XXXX has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.
|
| 01/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
One of the worst bank I have been dealing with, XXXX bank.
I been trying to make a mortgage payment due to force insurance placed on my account without any notification, the amount went up, the mortgage department told me not to make a payment till they adjust it, its been over 2 months, I call them every single week the amount has not been adjusted and they started to charge me a late fee plus today they told me they have reported me to credit bureau which I was told will not happen since I am willing to pay. I need help, this will lower my credit score.
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. I am requesting that all reporting 's including but not limited to all late payments be removed from my credit report.
|
| 01/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My wife and I were notified through XXXX, that DMI/XXXX XXXX XXXX XXXX has flagged our account as 180 Days Past Due on XX/XX/2021.
This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all XXXX and DMI records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers.
This is unduly devastating to the borrowers financial matters.
|
| 07/17/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted the company multiple times. I have called, sent letters, faxes, and filed disputes. I have proof that all payments were made on time. The loan was paid in full of XXXX of XXXX and closed. They finally corrected my credit report at the end of XX/XX/XXXX and then in XXXX of XXXX reversed it and put the 30-day late payment back on my credit report on a loan that is closed. This is hindering my family from moving forward with any financial movements. Dovenmuhel Mortgage says they will remove it and will respond but then they never do.
|
| 06/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I requested a mortgage assumption on XX/XX/22 via letter and I have yet to receive any of the documentation for it. I have called multiple times since, confirming receipt of the letter and asking when the paperwork would be ready but the agent always says the work order will be ready tomorrow. The agents on the line have referenced a title signing but have not sent me any of the paper work needed for the assumption, they want me to sign over the title to my house without sending me any of the paper work before hand to know what I am signing.
|
| 01/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.
|
| 06/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Regarding about previous complaint and response from mortgage company. We did not agree because we live in XXXX XXXX County and our house locate in XXXX XXXX County. However, mortgage company pay the property tax to different county which is XXXX XXXX County, they have serious violate rule and regulation to identity APN number and correct county for borrower. At fault, they have to demand the money back from XXXX XXXX county and return to us. We dont have any house or owe the XXXX XXXX County balance. We did not agree with their response
|
| 11/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, We 've reached out to the servicer of our mortgage because we had an escrow shortage. We called the company in the beginning of the month to get this straightened out. We were told to email a copy of our homeowner 's declaration page to have our account reanalyzed. We sent correspondence on XXXX XXXX, XXXX and XXXX. We 've had no help and no one on the phone will assist. The mortgage company over estimated our escrow analysis. While I know we still will have some shortage we 'd like a correct escrow analysis completed.
Thank you
|
| 09/09/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please see attached Notice of Dispute. I attached proof XXXX XXXX XXXX XXXX XXXX had credit wired to its account at XXXX XXXX XXXX XXXX into account ending XXXX on XX/XX/2022. Contact XXXX XXXX XXXX XXXX XXXX to confirm this fact.
I dispute the TOTAL amount DOVENMUEHLE MORTGAGE, INC. claims I owe without any evidence of a debt by agreement or judgement from a court about this debt. I dispute the accuracy and completeness of DMIs reporting activities as well. There are two different account numbers for the same alleged obligation, how?
|
| 11/09/2023 |
Yes |
|
- Closing on a mortgage
- Delays with the closing process
|
|
Web |
Servicemember |
|
Currently in a VA loan assumption with them. It's VA to VA and we were already pre-approved with XXXX bank for a VA loan. We have no debt, high income, VA to Va... .should be easy right? Nope. XXXX days in and no sense of urgency, broken promises on timelines, and barely respond. We are going to be homeless at the end of the month since our rental will be done. I thought this bank put veterans first. The seller also has government orders to leave and the house can't be sold bec of this company.
Will update if the process gets better.
|
| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage became my loan servicer in 2020 following a refinance. The company has been collecting escrow payments for my property taxes. The company sent me emails stating that my property taxes had been paid to the county and local school district.
Neither taxing authority has received payment despite the fact that Dovenmuehle says it has been sent weeks ago.
Dovenmuehle has been non-responsive to a XXXX complaint and has failed to provide adequate information to allow me to confirm payments with the taxing authorities.
|
| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX, XXXX Dovenmuehle Inc, fraudulently extorting me for additional monies, first they stated my real estate tax dobled ( not the fact ), after 7 months of XXXX they stated that my monthly payments on fixed mortgage increased as my home insurance is {$13.00} per year.I am not required ubdwr XXXX XXXX to carry insurance as my LTV is at 54 %.
Ongoing phone calls harrassement, intimidation, yelling at myself, etc, letters of imminent foreclosure and extortion for money they tried to defrauding me of.
Continue to the present day.
|
| 01/20/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.
|
| 12/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.
|
| 09/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2020 I asked Dovenmuehle mortgage servicer for XXXX XXXX XXXX to remove PMI from my loan # XXXX. I sent a list of improvements to my home. They delayed responding and ultimately told me I need to send {$400.00} for a new appraisal. I sent the money. In XXXX the appraiser came out. The appraisal came back at $ XXXX against my $ XXXX balance.
The appraisal also noted all of the improvements and remodeling done to my home.
Doven replied to me they would not remove PMI because there were not enough improvements to the home.
|
| 03/14/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.
|
| 06/02/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.
|
| 01/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I paid off my mortgage to Dovenmuehle on XX/XX/XXXX. They recorded receipt of the payoff on XX/XX/XXXX. There is a {$7700.00} overpayment that was applied to escrow. As of XX/XX/XXXX I have still not received a check. I have called them at least 12 times over this time period and have been advised a check was coming either right away or after a prolonged delay. The person and story is different each time and every call takes over 30 minutes on hold to talk to someone. Most calls last 2 hours. It's almost 4 months and no check.
|
| 03/26/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/XXXX contacted Dovenmuehle Mortgage about a late payment in XX/XX/XXXX that should not have been there, the loan was transfered in XXXX with a letter dating XX/XX/XXXX that the loan was paid in full. Called in and was told they would have an answer in 10 days. Called back 10 business days later to be told that they have more time and the person that told me 10 days lied. Have not be able to get any other information from company on multiple calls, in the process of refi due to divorce and this is stopping my new loan
|
| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is Dovenmuehle the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
|
| 12/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.
|
| 01/31/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have called more than XXXX times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} XXXX paid since XX/XX/XXXX. XXXX XXXX dollars!
Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes XXXX business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the XXXX funds that have been submitted by XXXX????
|
| 11/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I submitted my mortgage assistant application on XX/XX/2018 since that date my point of contact XXXX XXXX will request documents week by week and most of the time she will request the same document as the previous week even though she confirms she receives it. i will attach all the documents that have been submitted letter of explanation as well. I feel she is delaying the process and dual tracking dragging the process with no reasonable explanation. When I try to reach out to her she is never available at her desk
|
| 08/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
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.
|
| 11/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 I completed a refinance on my home and had the original loan paid off by the new lender. XXXX XXXX XXXX, and the servicer, Dovenmuehle Mortgage , Inc. erroneously withdrew a mortgage payment for the amount of {$1500.00} on XX/XX/2021, despite no longer holding the note on the loan. When contacted on the XXXX of XXXX, 2021, I was informed it could take up to two weeks to return the money that was taken from my account in error. This is completely unacceptable and both institutions deserve sanctions.
|
| 03/01/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Submitted application for Loan Modification to Dovenmule mortgage companies loss mitigation department..They have not stopped collections activity even though they have the application package return with all the documents. They sent someone out to my home today with documents to sign. I was not at home and they would not tell the person at the home what it was in regards to. They only stated that I needed to call the mortgage company. This is harassment. They are taking their sweet time process the application.
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced with XXXX XXXX. They sold our loan to Dovenmuehle to service it. They can not accept my payment even though it is due on XXXX XXXX. They said to try back on XX/XX/XXXX. There is no communication on their website. I was not sent any communication letting me know about this problem. When I got a hold of a representative, he refused to send me information saying that it is okay not to pay my mortgage. He said that this phone call is being recorded and that is my legal recourse. This is illegal, right?
|
| 01/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.
|
| 08/23/2022 |
Yes |
|
|
|
Web |
|
|
1. My realtor/escrow officer is having trouble getting the payoff quote.
2. The mortgage servicer sent my account to their law firm AGAIN, and I AGAIN got a pre-foreclosure letter from them, EVEN THOUGH the XXXX XXXXXXXX Assistance fund PAID OFF MY ENTIRE DEBT UP TO XX/XX/XXXX on XX/XX/XXXX VIA WIRE.
XXXX was paid approx {$8100.00} to cover what I owed them.
I am supposed to close on selling this house XX/XX/XXXX, and these issues are jeopardizing the sale of this property. I need assistance ASAP
|
| 12/20/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted an application on XXXX website as directed by my mortgage company. I submitted documentation several times and used my savings to pay my XXXX mortage to not go into default. I called XXXX times and was told on at least XXXX different occasions I would get a call back and my call would be escalated. I have not received a call back at all. I have submitted documentation again XXXX and I still do not have an update and I now have no way to pay my XXXX mortgage because they will not assist me.
|
| 08/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 11/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I received a letter today in the mail advising I was approved for a modify mortgage payment plan. I called to accept it but was told the plan has expired. The form says I have until XXXX to accept of make first payment. The loss mitigation company falsely said I approved the plan back in XXXX when I never spoke with them or gave verbal approval ( never new there was a plan to approve. ) they are denying this plan now even though it say 's specifically to approve it issue first payment by XX/XX/2023.
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
there is currently a lien on my property at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I purchased the property XX/XX/1994. several refi 's etclater some title company finds that a lien is on file=it show thatdovenmuhle morgt co did not due the proper paper work and aftermany attempts talking to them and sending them the same infothree times=they say they can find no records of a loan and keepasking me for the loan number. phn # is XXXX and I havebeen dealing with a XXXX=XXXX=and an XXXX with no results=
|
| 11/25/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
According to the terms of my mortgage, I am able to make payment between XXXX and XXXX of the month.
I would like to make my payment on the XXXX of the month.
I asked my servicer ( not sure if it is technically XXXX XXXX XXXX or Dovenmuehle ) and they are unable to process auto-payment past the XXXX of the month due to a systems limitation.
My complaint is that the system should be able to accommodate ability to make an auto-payment within the terms of the mortgage ( between XXXX and XXXX ).
|
| 12/15/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my mortgage on XX/XX/2020. Dovenmuehle issued an escrow check to me for an overpayment of {$2800.00}. I never received the check. I have called repeatedly asking for them to reissue my check and they have taken no action. I have called a dozen times seeking to get a resolution and no one is available to help. It's been a miserable experience. I need someone to help me. This is totally unfair. They have my money and I can't seem to get them to send it to me despite calling every day.
|
| 08/04/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2020 Dovenmuehle received a mortgage payment in the form of a money order in the amount of {$500.00}. They applied the funds to the mortgage as a payment. See attached statement. The next day they reversed the payment out calling it a " Long Form Misapplication Reversal ''. See attached statement. We have called them and emailed them asking why and what has happened to the payment. Todate we have had zero response or anyone on the phone that can help us. Thank you for your assistance.
|
| 06/13/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX attempted to pay a XXXX city tax in XX/XX/2021 in error for {$630.00}. XXXX XXXX XXXX admitted to the error and stopped payment and recaptured the funds. In XXXX when the funds were recaptured the money was then taken out of the account again. At his point, the {$630.00} is still missing and seemingly stolen. I have contacted the company again today, but this has gone for months. They have raised my mortgage to compensate for the shortage in my escrow and I am out of patience.
|
| 05/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payments have been made and processed, yet the servicing company repeatedly changed and " loses '' the payment and attempts to recollect with late fees. I must repeatedly go through extraordinary efforts to prove that payment was made and received in order for the fees to be reversed. This has happened on 3 separate occasions in less than 2 years.
I believe that this is an attempt to scam money from mortgage holders who may have difficulty providing proof of payment promptly.
|
| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle mortgage company claimed to mail a check from my escrow account to pay my taxes to XXXX XXXX on XX/XX/2021 The county never received payment and urged me to reach out to Dovenmuehle to remedy the situation.
Dovenmuehle acknowledges that the check was never cashed by the county and is currently missing. Dovenmuehle refuses to remedy the situation after several calls and emails. I would like this check canceled and the funds refunded to me so I can get my taxes paid on my own.
|
| 06/18/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dovenmuehle continues to try to collect my mortgage from XXXX despite expending my Forebearance so that the first payment should have been due XX/XX/2023 not XX/XX/2023. My previous complaint here shows that, however their finance department continues to try to say XXXX it was due.
Everyone that works at this company is derelict in their duties and it takes filing a complaint here to actually get someone competent and/or inspired to actually do their job.
Please update my records!
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
|
| 01/23/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
WE HAVE SUBMITTED APPLICATION FOR MORTGAGE ASSISTANCE AND SUBMITTED EVERY DOCUMENT THAT IS REQUESTED FROM US HOWEVER WE CONTINUOUSLY GET REQUEST FOR PAY STUBS XXXX IS XXXX XXXX XXXX XXXX HE GETS DIRECT DEPOSIT OF HIS XXXX XXXX INCOME WE HAVE WRITTEN A LETTER OF EXPLANATION AND PROVIDED A PROFIT AND LOSS STILL GET ASKED FOR PAY STUBS. THERE IS NO PAY STUBS I FEEL AVY EXTENSION # XXXX DOES NOT KNOW WHAT SHE IS LOOKING AT AND WOULD LIKE MY FILE TO BE REVIEWED BY ANOTHER PROCESSOR.
|
| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX as Dovenmuehle transferred our mortgage to a new servicer while we were in a XXXX forbearance plan and failed to provide accurate data to the new servicer ( XXXX XXXX ).
Now we are being threatened with foreclosure even though we had already started making payments to XXXXDovenmuehle XXXX
The new mortgage servicer -XXXX XXXX has stated that they have NOT received the complete and accurate data on our mortgage account which is causing serious financial issues.
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The mortgage company is showing that I paid my mortgage late though I spoke with their agent who advised nothing would be reported to my file as long as I paid as agreed. The company states they did but have never provided the recording to qualify this statement. Im being penalized as a consumer and this is unjust and unfair. Upon discovering the discrepancy and incompetence of said agent I immediately remedied the issue. Please remove this from my file as soon as possible
|
| 03/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
DOVENMUEHLE MORTGAGE XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I had to sue dovenmuehle mortgage for the rectless loan servicing scam they structured, in order for them to default me and foreclose on my property to steal the equity, as this loan servicer is a predatory loan servicer criminal organization. see attached to complaint. they tryed to foreclose and default me for over XXXX years, even though my mortgage and addiotional bills are been paid. this is part of there criminal actions and discrimination against my household.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act DovenMuehXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 in the amount of {$1300.00}, has violated my rights.
15USC 1681 Section 602 states, I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose.
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Went into forbearance on time with Dovenmuehl Mortgage, made 5 payments during forbearance. Deferral was done incorrectly on XX/XX/22, putting account into late status right away even though I made payments every month starting 2 months before deferal was finally done after asking for 2 months. They are refusing to correct the deferment so the account shows on time the past 5 months, and owe 3 payments they have not credited me ( {$6300.00} ). 2 were refunded.
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company was not aware that my municipality taxes property twice a year. Therefore, they did not pay my most recent tax bill ( Winter 2020 bill ). Ive contacted their customer service over the last several months and they stated that they will address the issue. However, they have not paid the tax bill. I have recently received a Notice of Delinquent Property taxes from the city. The company in charge of the escrow account is Dovenmuehle Mortgage.
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dovenmuehle mortgage has been reporting erroneous and inaccurate payment history to all 3 credit reporting agencies. On XX/XX/2021, sent two separate formal emails per their protocol asking them to remove derogatory and inaccurate reporting and they promised to conduct investigation and remove if erroneous, but no investigation has been completed and we are passed statutory 30 days.
They are in violation of Federal law and need to be reprimanded. Thank you!
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Second filed complaint, original file number XXXX has not been resolved. Dovenmuehle Mortgage has provide false information regarding the details of my escrow refund. Supervising agents information is not inline with company 's response and no refund has been received. Each communication with Dovenmuehle Mortgage has been consistent and has shared miss leading and false information regarding refund payment. 5 months is NOT compliant with RESPA regulations.
|
| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I've been trying for several weeks to get Dovenmuehle Mortgage to reissue me a check for the balance of my closed out mortgage. I've been on the phone with them numerous times and they have process my request over the phone at least 3 times yet there is no evidence on their end of any check every having been issues nor mailed. They owe me XXXX. I've been fighting this for over a month. I also have a compalint open with XXXX of XXXX with complaint # XXXX.
|
| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan was paid off in mid-XXXX 2021 to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX for {$180000.00}. After payoff there was an escrow balance of {$11000.00}. We have called several times requesting for the escrow to be paid back to us. Every time we call they say it will be 10 days to mail the check. We have waited 4 months and still not received the check. What recourse do we have and how can we get the balance of the escrow account refunded?
|
| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?
|
| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I was approved for a CARES Act COVID forbearance for XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/XXXX I asked for an extension of this forbearance, which was approved.
Later DMI recanted the forbearance extension ( XXXX XXXX ). At this time I was required to pay the payments paused during forbearance IN FULL. This violates the CARES Act.
Im response to my previous complaint they specifically avoid addressing this major complaint as it violates the law.
|
| 03/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage serviced through Dovenmuehle. They have failed to pay my property tax installments out of escrow for XXXX per the original contract. First payment was due on XX/XX/XXXX which was never paid. Now the full payment of XXXX is due by XX/XX/XXXX and still hasnt been paid. I called several times and emailed a letter with a copy of a tax bill on XX/XX/XXXX. My issue still hasnt been resolved even after talking to managers at the company.
|
| 06/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sent from Dovemuhle to XXXX bank without my notification. We had automatic payments setup and as a result when it was sold, we no longer were paying our mortgage. As we were not notified, we were not aware of the new loan, or where to make payments. This has negatively impacted our Credit Score -XXXX points. This will severely limit our ability to apply for another mortgage, get a fair interest rate, and be considered for rentals.
|
| 08/14/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage servicer, Dovenmuele Mortgage, failed to pay my property taxes to the XXXX XXXX Treasurer/Tax Collector on my behalf from my escrow account, resulting in my property taxes going into default. I have been calling every few days, but they have been unable to show me that they are working to resolve the issue sufficiently. I am currently in the process of selling my home, and their mismanagement has resulted in the sale being delayed.
|
| 11/24/2020 |
No |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Dovenmuehle/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and Dovenmuehle and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), Dovenmuehle and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.
|
| 09/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Dovenmuehle Mtg. Company My taxes are paid in full in advance for the year, I pay my insurance separately as in my contract. My payment has been XXXX per month as in my contract and I have never been late. Without any explanation my mortgage went up to XXXX No one can tell me why nor explain to me why. My mortgage is not an Escrow account. I am a Senior Citizen and on a fixed income and I am being taken advantage of
|
| 05/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA.
Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.
|
| 01/01/2021 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2020. Filed a dispute on donvenmuehle morage there saying I am over 90 days late on all my payments on my house and they know I pay them they known there behide over covid 19 have a recording to prove that one. But the check clear my bank. And you can see when dovenmuehle recover the checks. The recipe date is stamped on the check. Yes the house was in bankruptcy. I was granted a stay because I paid the courts and the mortgage.
|
| 12/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My insurance has lapsed due to nonpayment by my processor. They say they've mailed check twice, but my insurance company says it hasn't been received. Now i have no insurance, and NO ONE will talk to me. I make my payments each month, never late. I have called and called XXXX, spoke with them XX/XX/19, tried to speak with them on XX/XX/19, and again today XX/XX/19 with NO RESPONSE. I need them to pay my insurance company PLEASE!!!!!
|
| 12/30/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
applied for financial relief in XX/XX/2022 & after sending paperwork requested multiple times was told paperwork was missing & application was denied the process to submit request is very difficult & they make it impossible to get approval this violate federal law process should not be this hard only to get denied after sending in more & more paper work they also want you to constantly send in updated bank statements multiple times
|
| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle, a loan serviced in Illinois is really giving me a runaround on my mortgage. They missed paying town taxes ( thousands ) and after alerting them over a month ago they have taken no action to resolve. I am promised a call back and they never do.
Now, I received a letter that they are moving my loan to another services with less than one week notice. I feel like I am being SCAMMED, how can a business function like this.
|
| 10/07/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehin mortgage company in not posting my payments on time to get late fess from me. I call and as them why they did not cash the check they never got them. After I sent them with video proof. And now there are trying to raise my payment on a XXXX XXXX XXXX XXXX a month and saying I am more behind then what I am. I have recorded all calls and this is stopping me from a refinance. And cosing me time stress and loss of money
|
| 11/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.
|
| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage/escrow servicer, XXXX has failed to pay the required XXXX XXXX XXXX XXXX XXXX after repeated phone calls, faxes and two " notice of error '' mailed letters. I would like them to pay the entire XXXX amount of {$7100.00} as the first portion is already past due and I have paid 20 months ( since XX/XX/XXXX ) of ontime payments. There is a current surplus of a Escrow Account Balance of {$13000.00} ( as of XX/XX/XXXX ).
|
| 04/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.
|
| 10/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.
|
| 07/13/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.
|
| 05/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My wind and hail is due onXX/XX/XXXX and has still bee unpaid and am at risk of having coverage canceled. DMI has messed up my coverage ever since boarding the loan with them. 45 min hold times. XXXX XXXX is the servicier of the loan and DMI subservicer. They have royally screwed up and have done very little to fix. XXXX XXXX is no providing proper oversight of the subservicer and DMI has failed to maintain escrow.
|
| 01/18/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX.
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.
|
| 05/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
DOVENMUEHLE is not sending the loan modification to the chapter XXXX trustee XXXX XXXX in XXXX colorado. I attached a copy of the loan modification and payment statement my next payment is not until XXXX of XXXX There costing me XXXX a month. XXXX Dovenmuehle knows by federal law they should have sent the loan modification to the federal bankruptcy courts in 30 day 's the loan modification was done in XXXX of XXXX
|
| 09/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
|
| 12/20/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
According to my previous XXXX # XXXX my forbearance is extended to XX/XX/XXXX. " At this time, the remaining XXXX months of the extension has been granted. This final extension brings the forbearance valid through the XX/XX/XXXX. '' I got a letter from this mortgage company this month XX/XX/XXXX stating that my forbearance extended date is through XX/XX/XXXX. I do not approve this change in the forbearance date.
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my mortgagein the amount of {$130000.00} on XX/XX/XXXX of 2021 to Dovenmuehle mortgage. They owe me {$780.00} in escrow and still have yet to send me a check in that amount. I have called and chatted multiple times about this issue and they give me the same lines every time. " There was a problem in processing this refund, would you like to open a work order? '' Nothing has been resolved to this day.
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Sold property XX/XX/21 mortgage paid in full. Debit from escrow account was logged XX/XX/21. Check had not been received as of XX/XX/21. After contacting XXXX XXXX mortgage servicing division I was told the check was mailed by one representative and that I must wait 30 days before requesting a replacement, the next representative claimed the check had not been mailed yet and would take up to 60 days to receive.
|
| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
At the time my loan originated we owned less than 20 % equity and agreed to pay PMI. The company claims to have a process to cancel PMI sold the LTV ratio meet 20 %. After weeks of going through their steps, Dovenmuehle charged me to have an appraiser come to my home. His report showed that I own 42 % equity in the home. Dovenmuehle has refused to cancel PMI and is now asking me to restart the request process.
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX XXXXXX/XX/XXXX flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
|
| 06/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
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.
|
| 08/27/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They have given me 14 lates on my credit report. We were informed they can not report late while in loss mitigation and XXXX, XXXX, XXXX, XXXX, and XXXX payments were never late and having proof we sent on time and they are still reporting us late. I have been fighting this for the past 6 months and the mortgage company will not correct these incorrect reporting.
I have proof of everything as well.
|
| 07/29/2020 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please see attached letters sent from my attorney and myself to resolve the matter. Issue has been the bank inappropriately charged flood insurance on the property. Countless hours were spent trying to resolve several issues with them. Basically it seems the servicing rights must have been sold during the process or their is fraud in the matter. Account was charged for insurance that never existed.
|
| 02/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle 's property tax payments do not make sense.
According to XXXX County the property taxes are as follows XXXX {$1100.00} two installments of {$550.00} each XXXX {$1300.00} two installments of {$670.00} each According to Dovenmuehle, property tax payments were as follows XXXX - {$1000.00} XXXX - {$1900.00} How can I pay more property taxes in XXXX than I owe?
Where did this money go?
|
| 06/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Dovenmuehle Mortgage , Inc .
Mortgage closed XX/XX/XXXX ... Still showing open as of XX/XX/XXXX I have contacted the company via their account portal messaging, only to be ignored. Which is perfectly normal for such an awful company. Looking back on the last messages I sent them when I was a customer, it took 20+ days to get a response. On one massage it took over 6 weeks for them to respond.
|
| 01/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have called Dovenmuehle Servicing several times. They admit that I have paid over {$15000.00} yet they will not send me an itemized statement of where my money went and I called to set up 2 PRINCIPLE ONLY payments and the applied it toward front loaded interest and sent me a bill with a late fee.
I am filing a complaint with the Consumer Financial Protection Bureau now. This is so wrong!!
|
| 01/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have made a payment to my mortgage on XX/XX/2023 in the amount of XXXX with conf # XXXX And another payment in the amount of {$10000.00} on XX/XX/2023 via mail and well as at least 2 payments from HAF have been received. None of these payments reflect on my acct. I have called 3times since XXXX to check. Nothing. Was told it takes 7 business days to post. It is much longer now. Please help
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I received a paper letter stating my monthly payment would go from $ XXXX to $ XXXX. I logged into the company 's app and saw that the taxes they paid for the year were almost triple the previous year. I sent a message to the company on XX/XX/XXXX to request an explanation as to why the rate had jumped so much. This morning, I found the issue was " closed '' and no response was given.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Sent an inquiry on XX/XX/XXXX to XXXX XXXX almost at the 30 day mark, they emailed me back with a ready-made script with no investigation result or anything.
They reported a late payment XXXX of XXXX to XXXX, XXXX, XXXX.
At this time I was in a forbearance program and advised them I won't be needing it for the time they granted me. I was told a late payment wouldn't be reported.
|
| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Long story short, my escrow refund was lost in the mail and I have contacted Dovenmuehle twice about getting another check sent. I closed on my previous mortgage on XX/XX/2020. My escrow refund check was issued on XX/XX/2020. I have reached out to them after a month waiting in XXXX and XXXX. I still have not received the balance due to me or any communication that it is in process.
|
| 04/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My XXXX XXXX XXXX XXXX XXXX XXXX foreclosure, I paid the requested amount and was provide with a mortgage statement on XX/XX/22 showing a XXXX balance. Then this week I was sent a letter stating that there is still almost XXXX due. I have spent almost XXXX hours on the phone recieving bad information or being told that they could not help me and being transferred multiple times.
|
| 09/13/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.
|
| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers.
Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
|
| 08/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I initially filed a complaint in XXXX with CFPB but was unable to locate the reference number of the response. Since that time, my issue is now disputing the mortgage company denial to remove late fees and negative credit reporting entries. The details are included on the attachments that were also sent to the mortgage company. I am waiting to hear back from them.
|
| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX, XXXX Dovenmuehle fraudulently purchased home insurance on my property and is forcing me to buy home insurance. My LTV is at 45 % .Due to the fact my loan was sold to XXXX XXXX shortly after obtaining mortgage in XX/XX/2016 I am not required to carry private home insurance when LTV is at 80 % or less.
The extortion, fraud and harrassment need to stop now!
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.
|
| 12/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.
|
| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being Dovenmuehle Mortgage. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. Dovenmuehle is now continuing to report this information as current, XXXX continues to suppress and block this correct information.
|
| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.
|
| 10/07/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Apparently my account was sold to XXXX XXXX from Dovenmuehle Mortgage - I sent my payment on XX/XX/XXXX to Dovenmuehle Mortgage - they stated on XX/XX/XXXX the payment amount will be finalized and sent to XXXX XXXX. I never got a letter stating my mortgage was sold/transferred from Dovenmuehle and they did not transfer within the 60 days
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle Mortgage is collecting the incorrect amount of money monthly for my property taxes. Two escrow analyses have failed to identify this issue and I have been in contact with them on several occasions in which I have been reassured that the issue would be remedied and I would hear from a supervisor yet neither thing has happened.
|
| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I submitted a written request for information on the website maintained by the servicer for my mortgage loan, Dovenmuehle Mortgage , Inc. ( " DM '' ), on XXXX, 2020, over 30 business days ago. That inquiry was a qualified written request. Consistently with their generally poor customer service, DM has not responded to my inquiry.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I will be providing details and documents in the section below. The dispute, in a nutshell, is that our mortgage lender is attempting to charge us a {$100.00} processing fee for which it has no legal, equitable, or justifiable basis, because we transferred our title from ourselves as joint tenants to our revocable trust.
XXXX
|
| 09/22/2023 |
Yes |
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.
|
| 01/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX I applied for a modification but was denied. The reason given by the lender was my income was insufficient. After I recovered from my hardship I applied for a modification in XXXX. I was denied. I received a letter from my lender saying that because I can afford to make my current payments they won't modify my loan.
|
| 11/30/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Dovenmuehle Mortgage , Inc. Called me at XXXX while I was in bed. I told the woman at the beginning of the call it is XXXX. She said well that may be so, but and she continued to talk to me about a home my ex husband is responsible for not me. Im a XXXX who gets up at XXXX. I dont appreciate the late call or the rudeness.
|
| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been requesting to pause my mortgate payments because of the COVID-19 for 2 months. They do not return my request. Also, there is another paper application for that. Their system is very difficult to apply. Other lenders do not make so difficult system to ask a temporary relief. It is very cumbersome how to apply.
|
| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee.
The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.
|
| 01/15/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to be patient with my lender and get help but they continue to give me the run around. They either say the loan is under review or my file has just been sitting there without anyone reviewing what is going on.
They keep advising that they are going to escalate the file but nothing is being done.
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My current loan to value ratio is less than 80 % but my mortgage provider is not accepting to cancel my PMI. I recently did refinance and as of today the Loan to value ratio is less than 80 % Mortgage provider - dovenmuhule Mortgage As per the contract signed, my PMI can be cancelled after ltv is 80 % or less
|
| 12/01/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been unable to contact anyone at Dovenmuehle Mortgage to discuss my loan after many attempts. They do not answer the phone. Apparently I am not the onlyone having issues.
XXXX XXXX XXXX This company should be investigated to determine why they have no mechanism for their customers to contact them.
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
years ago i took out a va loan with Dovenmuehle mortgage. and they never closed it out. it has been killing my credit for years. i know it is on XXXX but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance
|
| 10/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dovenmuehle Mortgage violated 12 CFR 1024.3 by failing to return my impound account funds within 20 days of the loan settlement as required by law. More than forty days after the funds should have been disbursed, they contend it will take an additional five days to cut the check. This is inappropriate.
|
| 01/31/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I don't know where else to turn at this point in order to save my home. I have been sending documents over and over to the lender and it just doesn't stop. Every time they review my documents by the time they are done they have expired and ask for additional documents. Please help me save my home!
|
| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
DOVENMUEHLE BANK that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXX XXXX directly and Dovenmuehle Bank was not aware of the payments and reported them late
|
| 09/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
unable to check my balance or any other information about my loan over the phone or online. spoke to numerous customer service personnel .no one able to tell me why i can not access my account .tired being on the phone 45 minutes at a time back and forth transferring from department to department
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XXXX Davenmuehle mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.
|
| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We refinanced our home over 18 months ago XXXX never recorded our mortgage satisfaction, now we are in the process of selling and our buyers title company has an issue with the mortgage satisfaction not being recorded even though we have full loan payoff paperwork and are 100 % current.
|
| 12/07/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
I had a forbearance with Dovenmuhle Mortgage and applied for a loan modification after the forbearance. I paid XXXX trial payments. After I made the trial payments, Dovenmuhle transferred the mortgage to XXXX XXXX who does not recognize the agreed upon loan modification with Dovenmuhle.
|
| 10/15/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried calling many times and I am on hold for a very long time. I cant get through the right department. They are reporting that my silent second mortgage had foreclosure started but it was never in foreclosure. I never received any paperwork telling me I was in foreclosure.
|
| 12/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.
|
| 09/19/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
" any entity servicing my loan on their behalf ( hereinafter called THE LENDER ''. This company did not give me detail contact information of the above statement. Who are the entities servicing my loan? What are their names, addresses, and phone numbers?
see previous case # XXXX
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Appraisal was completed on XX/XX/XXXXfor removal of PMI and came back with my LTV being 75.6 %. Company states that I need to have 75 % for removal of PMI when 80 % is the correct amount. Customer service supervisor mentioned I should file a complaint if I do not agree with this.
|
| 02/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan with Dovenmuehle XXXX XXXX was paid off in XXXX of 2021. I have reached out to them multiple times to receive the deed and have still not gotten it. I'm trying to sell the property and need the deed to complete the transaction. 4+ months to get this me is unacceptable.
|
| 12/04/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I had a loan with Dovenmuhle and they agreed on a forbearance and loan recalculation to begin in XXXX. In XXXX they transferred the loan to XXXX XXXX who refuses to honor the loan recalculation, and is saying I am in arrears since XX/XX/2021 even though I paid Dovenmuhle
|
| 09/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Attached is a copy of a complaint sent to Dovenmuehle Mortgage Inc. At the time of this writing I have yet to receive any information/contact from the company in regards to this issue. The letter uploaded details my entire situation with relevant dates and time frames.
|
| 05/18/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I know that no valid direct verified contracts exist with me and another party by XXXX XXXX XXXX, I know that any attempt to collect a debt is actually alleged indirect action, I did not give consent to benefit from or utilize my authorized credit. as per 15 USC 1602g,
|
| 11/11/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Ive made my payments on time and the mortgage company would add my payments to the principal instead of my mortgage and caused a bad report on my credit to which they said they were going to fix and it hasnt happened. The delinquency show up on my credit to this day.
|
| 12/12/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
Dovenmuehle accepted a loan modification and I paid XXXX trial payments to Dovenmuehle. During the process they transferred it to XXXX XXXX and Dovenmeuhle claims there was no loan modification agreement. These conversations took place by email, letter and phone.
|
| 12/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022 Dovenmuehle Mortgage applied {$630.00} which was in Partial Payment Unapplied Funds to my principal balance despite Dovenmuehle not having authorization to make that application. I wanted that money to remain in Partial Payment/ Unapplied Funds.
|
| 12/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dovenmuehle the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our XXXX credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.
|
| 10/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan is through XXXX XXXX and is being subserviced by XXXX. They are collecting money to pay the taxes in escrow but they have not paid the taxes this year. Also I have had to make several calls to them over the past 3 years for the same issue
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to refinance my mortgage and the mortgage company will not provide a loan payoff statement. I have requested one 4 times. Each time it has been cancelled and nothing was provided. When I call I get placed on hold and nothing happens.
|
| 11/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I filed a complaint under number XXXX. I still do n't have all my escrow refund. It 's been three months. I am tired of calling the company, I am tired of the excuses, I am tired of the lies they send back as explanations, I just want my money!
|
| 10/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Mortgage was opened on XX/XX/2019 not appearing on my credit report correctly. Show 's account is closed, paid on time for 3 months now. The account does not report correctly, payment information is missing and account is reported inccorectly.
|
| 03/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone
|
| 10/12/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have already filed a complaint # XXXX XXXXI noticed under, on my complaint your contact information it says XXXX XXXX XXXX That's not me. Don't know how the wrong information got there. My contact info is XXXX XXXX XXXX. Contact Phone XXXX.
|
| 06/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX resolved a mistaken dispute that was verified as accurate by both myself and the lender, Dovenmuehle. Now that account is reporting, it's missing information. Such as loan balance, and payment history. Please update missing information.
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off a mortgage on XX/XX/2022 and still havent been reimbursed my remaining escrow balance. The servicer, XXXXDovenmuehle , just informed me of an additional 30-60 day processing period if I would like the payment resent.
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my loan in full on XXXX XXXX, 2020. As of XX/XX/2020 I have not received my escrow refund. I have called three times and sent a message. Each time I call I get a different reason and am told to check again later.
|
| 06/28/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
Forbearance due to Covid. Resumed normal payments but have an outstanding balance due to the forbearance of about {$9000.00} requested loan modification in XXXX of XXXX and to date have not heard from mortgage company
|
| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 01/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Dovenmule is servicing my home loan. Delinquent escrow account.
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee.
what can I do?
|
| 05/08/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.
|
| 04/14/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments, but did not get a reply regarding the FHA COVID-19 Forbearance UCC 1-308 All Rights Reserved
|
| 07/20/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
When XXXX hit in XXXX, I filed a forbearance request with Dovenmuehle, my loan servicer because of income loss. I have yet to receive any response even though I sent several letters and multiple emails.
|
| 02/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
This is fraud, I have been complaining about incompetents and now these people have wipe out my entire checking and saving account and Dovenmuehle Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
DMI XX/XX/2018 Property Foreclosed and Lender won't acknowledge and acts like this is a current bill or debt. Faxed and writing several times. Give definitive status to close now and forever.
|
| 01/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
DOVENMUEHLE MORTGAGE SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.
|
| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage servicer dovenmuehle sold my loan and never recieved a letter about this. They also would accept the next payment to forward to the new service during the transition phase.
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have an approved forebearance for Covid 19. Every month without fail I am bothered my XXXX loss department trying to collect debt. Even though their notes show the forebearance.
|
| 04/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I am exempt from property taxes because I am a 100 % XXXX veteran and this company is continuing to charge me for property tax even though my county informed them that I am exempt.
|
| 06/28/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Removed access to information from account.
Removed access online.
Not mailing requested information.
No statements being sent to property address despite numerous requests.
|
| 02/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I keep emailing asking for help on mortgage to qualify for state assurance and I cant get anyone to help me and Ive called and emailed countless times since XX/XX/XXXX
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.
|
| 07/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage company misappropriation. Applying payments to accounts they determine and not paying principal mortgage payment. Damaging my excellent credit and business.
|
| 04/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dovenmuehle purchased homeowners insurance on my home, at a very high price, even though they had be provided information on my current insurer, XXXX, 4 times.
|
| 06/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We set up automatic payments with our mortgage company. They did not process it And instead send a delinquent notice. There is no customer service to talk to.
|
| 12/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Company is not refunding my escrow balance. Home is Sold loan is paid in full. Company has not refunded within the 30 day time frame they are required to do.
|
| 09/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 07/12/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I called dovenmuehle to get a pay off .To refinance my loan there refueling to send one today I call. And they said the sent on off I never received it.
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I sold and paid off my mortgage loan and have not ( after almost 90 days ) received the return on my unused escrow funds.
|
| 09/08/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I dispute the closing of complaint # XXXX.
This was not closed by me and the complaint is still accurate.
|
| 02/02/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 01/27/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Interest rate
|
|
Phone |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Interest rate
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Fees charged
|
|
Web |
Older American |
|
|
| 01/05/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/04/2024 |
Yes |
- Mortgage
- Manufactured home loan
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
Older American |
|
|
| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 08/24/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 06/05/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/22/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/28/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 03/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/23/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/21/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 01/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
|
| 01/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/31/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 12/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 12/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/03/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 11/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 10/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 10/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/12/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/01/2022 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 08/31/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/14/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/30/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
|
|
|
Phone |
|
|
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 05/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 05/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 04/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 04/15/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/28/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 03/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Postal mail |
|
|
|
| 02/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 02/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 02/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 11/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 11/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 11/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/30/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/11/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/17/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/16/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/05/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/28/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 04/13/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/30/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/18/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 02/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/17/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/21/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/13/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/10/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/23/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/18/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/16/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 12/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 12/01/2020 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 12/01/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/30/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/30/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/26/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/24/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 11/23/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/18/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/18/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/11/2020 |
No |
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 11/11/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 11/10/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/09/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
|
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/15/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 10/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/15/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 07/21/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 02/19/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 01/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/18/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 12/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/31/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/23/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 10/21/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 10/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/07/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 09/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/05/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/19/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/08/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/20/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/05/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 05/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 05/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/01/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American, Servicemember |
|
|
| 01/29/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/21/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 12/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/28/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/15/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/08/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 10/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 10/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 10/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 10/05/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 09/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 08/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/16/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 07/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/09/2018 |
Yes |
|
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/08/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/21/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/21/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/15/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 03/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 02/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 02/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/13/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 01/17/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 12/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 12/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 11/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
|
| 09/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/20/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/17/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/23/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 06/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/19/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 03/29/2017 |
Yes |
|
|
|
Postal mail |
|
|
|
| 03/28/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/18/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 03/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/01/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/26/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 02/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/01/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 01/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/19/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 01/10/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/27/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 10/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 09/15/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/31/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 07/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 06/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 05/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 04/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/14/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 04/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/30/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 01/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 12/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 11/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/19/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 10/29/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/14/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/15/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/15/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/19/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 02/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/03/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 01/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
Older American |
|
|
| 01/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 01/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 01/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American, Servicemember |
|
|
| 12/23/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/18/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/16/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/01/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 11/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 11/24/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 11/09/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 11/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/22/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/20/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 10/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 08/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 08/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 07/25/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 06/20/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 06/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/02/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/02/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/30/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/29/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 05/20/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 05/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/06/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
|
|
| 04/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 04/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/15/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/14/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 03/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 03/12/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 03/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/21/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 02/18/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/12/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/04/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/31/2014 |
Yes |
|
|
|
Postal mail |
|
|
|
| 01/31/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 01/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|