Consumer complaint received 2017-10-24
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed several complaints against Dovenmuhle Mortgage INC who since taking over the account on XXXX have caused me nothing but headache and stress. Dovenmuehle Mortgage INC XXXX XXXX  XXXX XXXX XXXX XXXX, IL. presented false document by using the mortgage clause from my mortgage with XXXX XXXX XXXX to convince XXXX XXXX to change the Mortgage Company to Dovenmuehle ( See policy ). The information sent to your office is incorrect. No one wants to do a research. The records sent by XXXX XXXX and all the others have been altered and differs from my records. 
In addition, Dovenmuehle Mortgage added XXXX to my mortgage and created an escrow account. The escrow analysis of XXXX shows that I was charged an excess XXXX XXXX taxes even though exempt ) on my mortgage ( see attachment XXXX taxes property is exempt ). When the mortgage was reinstated, I was charged XXXX payments of $ XXXX XXXX in addition to the mortgage ( See analysis for XXXX & statements XXXX ). 
I called today, Monday XXXX/XXXX/XXXX and was on the phone for XXXX. I spoke with XXXX in the Customer Service XXXX then transfer to XXXX in the Insurance Dept ( XXXX ) who claimed that there was an outstanding escrow balance of XXXX Both she and XXXX confirmed that XXXX XXXX sent them the check which the XXXX XXXX paid for XXXX I was transferred to Foreclosure Dept-spoke with XXXX then transferred back to customer service and spoke with XXXX, Supervisor who transferred me back to Loss Mitigation who told me to XXXX a letter to the Research Dept ( XXXX ). All the information sent by Dovenmuehle to CFPB has been altered. They are Fraudulent documents. I never got the payments back that were sent to XXXX  XXXX XXXX and they were never added to my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They were never applied to the account. I kept complaining. Documents were presented to CFPB that the money for XXXX XXXX ( Returned on XXXX after several complaints ; letter from lawyer demanding the money before it was sent even though XXXX XXXX XXXX XXXX XXXX documents claiming that it was refunded-Outright Fraud ) ; XXXX XXXX 
I was charged XXXX for attorney 's fees to reinstate loan after refusing to reinstate the loan in XXXX XXXX even though got reinstatement fee & letter XXXX/XXXX/XXXX XXXX/XXXX/XXXX. Attorney XXXX XXXX as well as XXXX XXXX XXXX gave me the run-a-round causing me to lose wages for the day because neither her office nor XXXX XXXX wanted to accept the check. 
Today, XXXX informed me that the escrow balance of XXXX ( after XXXX XXXX sent back the insurance payment for XXXX XXXX is for charges from the loss mitigation department for payouts ( See XXXX Mortgage Interest Form XXXX of the charges in the settlement are overcharges= XXXX ) which none of the above mentioned individual including a supervisor after putting me on hold to read the notes could explain. I had an analysis on my payment and I have put money into the escrow account that was created in XXXX under the guise that Dovenmuehle Mortgage INC purchase the mortgage. NO ONE SHOULD BE EVER PRESSURED OR FINANCIALLY XXXX TO TAKE A LOAN MODIFICATION. WHERE IS THE ENFORCEMENT OR CONSUMER PROTECTION? CAN YOU EXPLAIN THAT TO ME?

Company response to consumer: Closed with explanation