Consumer complaint received 2017-05-09
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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.

Company response to consumer: Closed with explanation