Consumer complaint received 2021-12-03
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
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

Company response to consumer: Closed with explanation