Consumer complaint received 2022-04-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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

Company response to consumer: Closed with explanation