Consumer complaint received 2019-06-28
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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  ><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.

Company response to consumer: Closed with explanation