Consumer complaint received 2022-02-18
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inherited the house from my late mother that I have been living in this very house since XXXX. I also inherited the 1st loan and the 2nd loan on the house. As soon as I received the Grant Deed on XX/XX/2019, I forwarded them to the mortgage companies. The 1st loan on the house accepted the paper work and has been taking money out of my checking account every month. I have not had any problems with them. 
The problem : The 2nd loan on the house was with XXXX XXXX XXXX, I walked into the XXXX XXXX XXXX branch in XXXX XXXX, XXXX right after I received the Grant Deed to the house, I presented the Grant Deed of the house in my name, the manger took copies of the Grant Deed and my XXXX ID and faxed them to their XXXX Department XXXX XXXX XXXX, then the manger asked me to come back next week, so I did come back after a week, the manger of the bank said this mortgage is with Dovenmuehle and XXXX XXXX. He said he has submitted all my paper work to the responsible parties. He said everything has been taking care of. 
Over 2 years I have been making payments to the second loan on the house by my banks official Cashiers Checks, which my bank has a record of all of them. I was paying my property taxes to XXXX XXXX County Tax my self. All of a sudden I found out that the 2nd on the house includes an Escrow account. Then I found out that escrow account was paying my Taxes as well? At first XXXX County Tax thought that the my house was sold and they had charged me major taxes and the escrow account was paying them. I had my cousin Tax Lawyer to contact XXXX Tax office and fixed the situation. XXXX  Tax told my cousin lawyer that they will refund the extra Taxes to the escrow account. 
My payments for the 2nd loan should be around {$900.00} a month. But I was paying my 2nd {$5000.00}, {$6000.00}, and more a month? I could not afforded to that any longer. I kept calling DovenmuehleXXXX XXXX XXXX many many times, The response of Dovenmuehle/XXXX XXXX XXXX has been : XXXX We DovenmuehleXXXX XXXX XXXX Do Not Know Who You Are , We Are Not Authorized To Speak With You ''. 
So I went to the XXXX XXXX XXXX  again, I walked into the XXXX XXXX XXXX branch in XXXX XXXX, XXXX  I spoke with the manger, I showed her the Grant Deed to the house, my Current US Passport and my Current California Drivers License, I explained the situation to her, she said don't worry, she copied all my paper work and my ID, she faxed them in front of me, then she called someone in the loan department, left him a voice mail explaining everything, left my phone number in the voicemail in front of me. She said everything is taking care of and she said if they need anything they will contact you. But nothing changed. I started sending XXXX XXXX XXXX/Dovenmuehle letters and nothing has changed. I was Still sending them payments every time I got a bill from Dovenmuehle. Then one day I went to my bank and my Checking Account balance was low, I looked into it and found out from the bank that Dovenmuehle took over {$6000.00} from my account. I asked the bank to block Dovenmuehle from my account and they did it. 
About a month or so ago Dovenmuehle send me a {$15000.00} and change check with a letter saying this was some of the money in left over in your escrow account and I deposited the check in my account. 
I started receiving " threatening '' letters from Dovenmuehle saying that my house is going to go in foreclosure? 
So about two weeks ago I called Dovenmuehle, which XXXX XXXX XXXX answered, I gave them the loan account number and they Refused to speak to me again and transferred me to another one of their agents, and the other agent did speak to me. She said there is a lot of money in my escrow account, I told her to Please : " Close the Escrow Account, Refund All the Money In the Escrow Account back to me '' the DovenmuehleXXXX XXXX XXXX agent said said Yes, it will be done, but nothing has happened yet. 
I keep receiving letters threating me for foreclosure. I tried to hire a lawyer, but they asked me for all of money up front, I am on a fixed budget and I can not afford to hire a lawyer. I have a wife and XXXX small children, I have done Nothing Wrong, please Help. 
I believe that DovenmuehleXXXX XXXX XXXX  stealing my money. I hope you, Consumerfinance.gov can catch them and prosecute them for all they have done to me. I am Worried, Nerves, Anxious. I have had many many sleepless nights because of this situation.

Company response to consumer: Closed with explanation