Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

On XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ ; XXXX ; NJ License # XXXX ; XXXX XXXX sold the mortgage to Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX on XX/XX/XXXX without my knowledge or me signing any document since I did n't accept the loan modification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX, who claimed to be servicing the loan for XXXX XXXX XXXX XXXX sent documents to XXXX, my insurance company along with a Mortgage Clause to remove XXXX XXXX XXXX  and replace with Dovenmuehle Mortgage INC. This can only be done when the mortgage is sold. None of my XX/XX/XXXX-XX/XX/XXXX, I paid XXXX XXXX XXXX : Payment Processing Center XXXX XXXX XXXX ; XXXX PA XXXX ; XXXX thru XXXX Bill Pay were applied to my account. My Form XXXX showed it was applied but their records show differently According to XXXX XXXX XXXX they returned the money. I wrote several letters to NJ Department of Banking & Insurance ; the Consumer Finance Protection Bureau ( CFPB ) regarding the money not credited to my account. After my complaint to the both bureau, and I did not accept the terms of the loan modification, in an effort to force me to accept the modification, Dovenmuehle Mortgage file foreclosure on the property thru XXXX, XXXX XXXX XXXX XXXX thru their attorney XXXX XXXX which was then taken over by XXXX XXXX. I presented proof to the attorney 's office of the payments, but they refuse to look at it or present it to XXXX XXXX XXXX since they told me I can only talk to them thru the attorney. The money was never returned as per their letter except for the XX/XX/XXXX payment for {$9600.00} ( See attachment below ). Some were put into a Suspense Account ( See Reinstatement Quote ) and others were used for Corporate Fee Advancement. I requested a reinstatement quote and they refuse to provide one until XX/XX/XXXX where the attorney fee was {$3000.00} plus after I hired an attorney. They refuse to explain why the fees was so high and keep putting the attorney off until he threatened to sue them. I continue to write complaints to CFPB, then I received two other pay off quotes. The only difference was the property inspection. I went to XXXX XXXX and got a cashiers check for {$31000.00} ( {$21000.00} for P & I ; Late Fee {$310.00} ; Property Inspection : {$330.00} ; Attorney Fees {$10000.00} ; {$500.00} to Suspense Account ) paid XXXX XXXX XXXX thru XXXX XXXX who did n't want to take the money but finally did after an hour of insisting. She, XXXX XXXX got the run-a-round from the bank before taking the check. It was credited to my account on XX/XX/XXXX and the discharge was done XX/XX/XXXX filed by XXXX XXXX XXXX, Esq XXXX from XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ; Attorney for the Plaintiff. I received my IRS Form XXXX and the attorney fees for {$10000.00} ; Code 173 ( no explanation ) is listed as Misc Expense ; the Property Inspection fee of {$330.00} is listed as other ; Dovenmuehle Mortgage who claimed on my IRS Form XXXX to be the Servicer for XXXX XXXX XXXX  charges me for Corporate Advance on XX/XX/XXXX code ; XXXX three times ( {$35.00} ; {$22.00} & {$9.00} ) ; After my reinstatement, I was forced to pay an additional mortgage payment on XX/XX/XXXX for {$700.00}, It was not applied to my account as a payment, instead, it was used to pay for Corporate advance code XXXX on XXXX/XXXX/XXXX for {$40.00} & {$250.00} on XXXX/XXXX/XXXX for Corporate Advance XXXX as well as a late fee on XX/XX/XXXX ;. My total payments for XX/XX/XXXX was {$32000.00}. Other Misc charges other charges for {$180.00} on XX/XX/XXXX unexplained ; These are the payments thru XXXX, until today, even though I was charged that ridiculous fees for attorney and the loan was out of foreclosure in the courts, XXXX XXXX XXXX charged me additionally for attorney fees in XX/XX/XXXX and again in XX/XX/XXXX outside of what was charged for reinstatement. This is outright robbery and they should be investigated. I have the documents to move it. How many other single parents and poor people are they doing this to while the government sit back and let them rob the citizens? 
Report : Payments for XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Payment Sent Payee Amount Payment Account Status Category XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX  XXXX {$620.00} XXXX regular checking Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX regular checking Paid None Total Paid by XXXX regular checking {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX Paid None XX/XX/XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX Paid None Total Paid by XXXX XXXX XXXX  {$11000.00} Grand Total : {$12000.00} Note : {$9600.00} check # XXXX dated XX/XX/XXXX cashed on XX/XX/XXXX Note : letters were sent to CFPB claiming that the money was refunded. It took them almost 2 yrs to give back {$9600.00} which was made out to the estate in an attempt to make sure I could n't pay to reinstate the loan. However, {$3200.00} from XX/XX/XXXX has not been applied plus {$5100.00} paid in XX/XX/XXXX which was never applied to my account and listed as either MISC expense ; Corporate Advance for XXXX & Corporate Advance for XXXX In addition, I requested a payoff quote but the one for XX/XX/XXXX has an interest rate of {$500.00} & the one for XX/XX/XXXX is {$800.00} but the principal is still the same even though I made XX/XX/XXXX payment, Information sent from the escrow department show one payment and the website and the customer service representatives have a different figure of {$980.00}. The escrow on XX/XX/XXXX show {$790.00}. It appears that the company is keeping two different sets of books and the right hand does not know what the left hand is doing. I called on XX/XX/XXXX and spoke with a female name XXXX at XXXX who told me in order to get any response I need to fax a letter of dispute for the IRS Form XXXX to the Research Dept XXXX. I asked about the different charges and why I was still being billed for attorney advance fees as if the account was still in foreclosure ( XXXX ) as well as where was the money that was paid for the loss mitigation that was never applied to my account ( {$3200.00} ).