Consumer complaint received 2018-02-12
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Dovenmuehle and spoke with a supervisor named XXXX who told me that he extended the payment until the end of XX/XX/XXXX.  Shortly after receiving a response from your office that my payments would be $XXXX plus money they claimed was owed to the escrow dept but the website and the letter shows a payment for $XXXX.  This is an attempt to try to foreclose on me again and charge me outrageous lawyer fees. My mortgage payment is $XXXX. I PAY FOR MY OWN INSURANCE & THE PROPERTY IS TAX EXEMPT. On XX/XX/XXXX, I paid $XXXX ($XXXX  mortgage payment; $XXXX   Late fee (charging late fees before the XX/XX/XXXXof the month); Property Inspection fees-$XXXX and $XXXX  for suspense account (since the account was paid in full this should never have been charge since the mortgage was out of foreclosure). On XX/XX/XXXX, I received a call from Attorney XXXX XXXX from XXXX XXXX XXXX that I need to pay an extra $XXXX  I called Dovenmuehle Mortgage at (XXXX) XXXX and made a payment with a XXXX  agent. This is what reported on my XXXX account: XX/XX/XXXX	Dovenmuehl Dovenmuehl XXXX XXXX XXXX XXXX  	 $XXXX.  Since payments were made the payments has increased several times XX/XX/XXXX & XX/XX/XXXX I was charged $XXXX; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXpayments were $XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXXthe payments were $XXXX. Each time I wrote to you the CFPB, the payment amounts were changed.  Since Dovenmuehle Mortgage INC has been servicing the account since XX/XX/XXXX, they committed FRAUD WHICH YOU THE CFPB has refused to investigate. They have submitted FRAUDULENT DOCUMENT SHOWING THAT MONEY WAS REIMBURSE WHEN IT WAS AND YOU THE CFPB ACCEPTED IT AS PROOF; my mortgage has been escrowed three times since reinstatement which is a violation of the consumer rights

I received your letter dated XX/XX/XXXX claiming that I didn't make a payment for XX/XX/XXXX. What happened to my payment that was cashed on XX/XX/XXXX for $XXXX?  
Since reinstatement of the account on XX/XX/XXXX, my payment has increased several times. Note: This is a fixed rate of 6%.  I made a payment of $XXXX thru XXXX  with an additional payment on XX/XX/XXXX to the agent via phone who claimed he would reverse the late fees per his supervisor since I just reinstated the mortgage and paid $XXXX   ($XXXX for attorney fees, $XXXX for Late Fees; $XXXX for property inspections; Periodic Payments $XXXX and $XXXX into suspense account .  Payments made ($XXXX paid XX/XX/XXXX; $XXXX   paid on XX/XX/XXXX; $XXXX  paid on XX/XX/XXXX; $XXXX  paid on XX/XX/XXXX; and $XXXX.  According to the letter regarding the $XXXX placed in the suspense account since my mortgage was fully reinstated then there is no need for the suspense account and the money should be refunded.  I even made a payment an extra payment of These are the payments made to  Dovenmuehle Mortgage INC who is supposedly servicing the mortgage for XXXX XXXX XXXX XXXX (Account Number: XXXX)
View: Link column headers to sort
Payment Sent
Amount
Memo/Invoice # Reference # Payment Account Status Action
XX/XX/XXXX $XXXX Grace period extended until XXXX XXXX XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Mortgage Payment Including Escro XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Mortgage Pymt-Extra to Mortgage XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX  Mortgage Payment XXXX XXXX   regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX regular checking Paid View/Inquire
XX/XX/XXXX $XXXX Overcharge of XXXX XXXX XXXX XXXX   regular checking Paid View/Inquire
XX/XX/XXXX $XXXX n/a XXXX XXXX XXXX XXXX Paid View/Inquire
XX/XX/XXXX $XXXX May Payment XXXX XXXX regular checking Paid View/Inquire
Total Paid $XXXX  online
XX/XX/XXXX $XXXX=$XXXX.  From XX/XX/XXXX-XX/XX/XXXX, I paid Dovenmuehle Mortgage INC a total of $XXXX
Note: Payments can be scheduled for Monday - Friday, excluding holidays. To make or change payments scheduled for today, you must submit your request before XXXX XXXX   Pacific Time.
This is what your website claims
General Loan Information
Current Principal Balance $XXXX
Current Interest Rate 6.000%
Year-To-Date Totals
Principal $XXXX  Property Taxes $XXXX  
Interest $XXXX
Hazard Insurance $XXXX
Payment Information
Last Payment Received XX/XX/XXXX
Next Payment Due XX/XX/XXXX
Total Monthly Payment $XXXX
I would like to know why the Monthly Payment was again increase to $XXXX when I PAY MY OWN INSURANCE & THE PROPERTY IS TAX EXEMPT?  WHY WOULD YOUR ESCROW DEPARTMENT ADD MY INSURANCE PREMIUM FROM THE POLICY SENT TO THEM AS PROOF OF INSURANCE?


They failed to remove the extra payment that was paid to the principal on 

XXXX
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20	XXXX  21	XXXX
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25	XXXX  26	XXXX
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90	XXXX  91	XXXX
92	XXXX  93	XXXX  94	XXXX
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144	XXXX  145	XXXX
146	XXXX  147	XXXX
148	XXXX
149	XXXX XXXX)

This is my 3rd time asking for a PAYOFF QUOTE!!!!!

Company response to consumer: Closed with explanation