Consumer complaint received 2019-07-30
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been serviced by Dovenmuehle since XXXX and I am unable to get cooperation with the company on settling two outstanding modification issues : Applying my mortgage payments from XXXX to my outstanding balance Sending my escrow refund in the amount of {$2600.00} UNAPPLIED MORTGAGE PAYMENTS I have patiently waited for my monthly mortgage payments from XXXX ( that were held in escrow ) to be applied to my current outstanding principal balance. To date none of the funds have been properly credited to my mortgage account. Attached is Dovenmuehle 's letter acknowledging the payments were received while my modification was being processed. 

Just to recap my situation, Dovenmuehle purchased my loan from XXXX XXXX XXXX XXXX before it was fully modified in XX/XX/XXXX. I continued to pay my mortgage for over 18 months before the loan was modified. Dovenmuehle stated the funds were being held in an escrow account to be applied after the modification was completed. The modification has been completed for over a year and to date, the funds have not been applied to my account. 

My modification was only carried out after I contacted my Senator Office and requested assistance. Senator XXXX XXXX office is the reason my loan was modified despite Dovenmuhle collecting my mortgage payment every month, this company refused to modify my loan which Dovenmuehle purchased from XXXX XXXX XXXX XXXX. Please see attached letter from Senator XXXX XXXX  office On XX/XX/XXXX I followed up with Dovenmuehle and requested that my past monthly mortgage payments be applied to the principal balance ( which still has not occurred ) and that my escrow account be reviewed for an additional refund. 

ESCROW REFUND Attached is the escrow analysis I received on XX/XX/XXXX which states that I will receive a refund in the amount of {$2600.00} within 30 days per the escrow statement instructions. I have not received my refund and have contacted Dovenmuehle 8 times. Each time I speak to a representative I received another excuse for not receiving my check. Please keep in mind this is an escrow refund from XXXX therefore Dovenmuehle has been withholding my escrow refund that rightfully belongs to me for over two years ( interest-free ). 

Just to recap this situation, I have been trying to get my escrow corrected since XXXX. Attached is the letter dated XX/XX/XXXX from XXXX XXXX XXXX Bank confirming I have {$4500.00} refund in my escrow account ( see XXXX XXXX XXXX Document ). Upon receipt of the XXXX XXXX XXXX XXXX  Statement I called and the XXXX XXXX XXXX and confirmed the refund was accurate and my check would be mailed in a couple of weeks ( which is also stated at the bottom of the attached document ). Shortly afterwards my loan was transferred to Dovenmuehle and I followed up with Dovenmuehle on the refund status. Despite my clear evidence and documentation that I was due additional escrow refund Dovenmuehle has withheld on {$2600.00} rightfully owed to me since XXXX. Only through my persistence have I been able to prove this. 

My goal is to address and complete each bullet within the next 30 days. I am willing to provide any additional documentation and/or conversation needed to expedite this process. I have tried over the last 18 months to be flexible and ( while paying my mortgage every month ). Dovenmuehle is unable or unwilling to address these issues in a timely matter and I seek your assistance in getting this corrected. 

Attached is the Dovenmuehle escrow, XXXX XXXX XXXX document. Thank you for your time and assistance.

Company response to consumer: Closed with explanation