Consumer complaint received 2023-05-12
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
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.

Company response to consumer: Closed with explanation