Consumer complaint received 2018-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

On XX/XX/XXXX, I received a response from XXXX XXXX, Default Litigation Specialist in response to my complaint which reached their office on XX/XX/XXXX & XX/XX/XXXX. In His letter XXXX XXXX claimed that the loan was in foreclosure and reinstated on XX/XX/XXXX. The loan was wrongfully went into foreclosure by XXXX XXXX, Default Litigation Specialist who was doing a loan modification after I did not accept the terms of the modification. She refused to give me the full total to repay the modification or where to request the reinstatement amount. However, she told me to pay all the outstanding fees including any late fees to bring the account into good standing which I did. I paid the company {$9600.00} according to the account statement plus any and all late fees which were never applied to my account. I paid Dovenmuehle Mortgage a total oft {$12000.00} which was never applied to my account. Instead, Dovenmuehle put the money into a suspense account then foreclose on me. On my XX/XX/XXXX Income Tax Form XXXX, it was reported that three trial payments were applied but they were later reversed. According to XXXX XXXX in his letter, ( See attachment ) I did not request a reinstatement amount from XXXX, XXXX XXXX XXXX XXXX by XX/XX/XXXX. Note : The foreclosure was done on XX/XX/XXXX. This was before the deadline to request a reinstatement. I was never offered or sent a reinstatement even though I requested one from XXXX XXXX, Default Litigation Specialist. XXXX XXXX refused to tell me that I needed to contact the law firm to obtain a reinstatement quote. This shows XXXX XXXX 's maliciousness and willful intention to force me into accepting the terms of the Loan Modification or make sure that I Iose the property. He did responded to the cash check of {$9600.00} and supplied proof. It took two years to receive this check after FRAUDULENT DOCUMENTS were sent to CFPB that the check was replaced in XX/XX/XXXX after making several complaints to CFPB and calling Dovenmuehle Mortgage INC, servicer for XXXX XXXX XXXX. As of this date, payments of {$700.00} cashed on XX/XX/XXXX & {$620.00} cashed on XX/XX/XXXX were never refunded. XXXX XXXX, Default Litigation Specialist refuses to provide proof of the remainder of my money because he has no proof that the money was returned. {$3200.00} was never refunded. The letter dated XX/XX/XXXX CFPB Case # : XXXX claimed that the trial modification payments cashed on XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX for {$620.00} each were applied to the account. The money totaled {$1800.00} was reversed and not applied to the account. XXXX XXXX provided a letter dated XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX that the funds were received and was being returned and the foreclosure process was being continued but no check were enclosed. 

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} According to XXXX XXXX, he sent a letter that claim notice of serving transfer dated XX/XX/XXXX which was never received. Note this so called letter was never certified. The letter further states that XXXX XXXX XXXX XXXX was collecting my payments and will stop accepting payments from XX/XX/XXXX. Dovenmuehle Mortgage INC will be the new servicer effective XX/XX/XXXX and the next payment should be sent to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX. The letter was signed by XXXX XXXX, XXXX XXXX XXXX, CEO & XXXX XXXX, Dovenmuehle Mortgage INC, Vice-President ( NMLS ID XXXX. Note this is the address where the {$12000.00} was sent to. 
My consumer rights under RESPA for Notice of Error and Request for Information after I sent in written correspondence was violated. 
XXXX XXXX XXXX XXXX whose address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX at the time of closing on XX/XX/XXXX, shows that the interest rate was 6.00 % with a monthly payment of {$700.00}. Under Borrower 's Failure to pay as required, it shows that after XX/XX/XXXX of the month, Dovenmuehle Mortgage INC can charge me 5 % late fee. Upon my reinstatement, I was charged {$310.00} in late fees which is incorrect. I was {$21000.00} for a total of 30 payments ( {$21000.00} ). According to XXXX XXXX 's letter, my payments were paid up until XX/XX/XXXX. Therefore, I should be charged on my reinstatement from XX/XX/XXXX-XX/XX/XXXX for a total of payments ( {$20000.00} ) which included an overcharged {$780.00}. 
According to the statement shown by XXXX XXXX it showed that Dovenmuehle Mortgage was charging me {$710.00} from XX/XX/XXXX when my payments should have been XXXX. 
The Loan History dated XX/XX/XXXX showed that the attorney fees was {$10000.00} and a XXXX XXXX XXXX for {$150.00} According to XXXX XXXX, there is an escrow bal for {$1100.00} and my new payment will be {$790.00} effective XX/XX/XXXX.  However, XXXX XXXX fail to explain what was in the escrow and how it arrived at A check of the website showed my next payment is {$980.00} instead of what XXXX XXXX informed the CFPB. 
General Loan Information Current Principal Balance {$74000.00} Current Interest Rate 6.000 % Year-To-Date Totals Principal {$0.00} Property Taxes {$0.00} Interest {$0.00} Hazard Insurance {$0.00} Payment Information Last Payment Received XX/XX/XXXX Next Payment Due XX/XX/XXXX Total Monthly Payment {$980.00} This shows double record as well as FRAUDULENT RECORDS. I have a fixed rate of 6 % and my payments have increased three times ( 3x ) since the loan was reinstated on XX/XX/XXXX. I pay for the insurance ( Note : the remaining balance which was sent by the escrow dept was returned by XXXX XXXX for {$1.00}, XXXX ). This statement does not show that on XX/XX/XXXX I paid {$10000.00} for attorney fees ( See attached reinstatement ) While I am presented with a Loan History report dated XX/XX/XXXX that shows what XXXX XXXX informed the CFPB, a check of the website on XX/XX/XXXX reveals this : XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1300.00} ) {$74000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1500.00} ) {$74000.00} XX/XX/XXXX Hazard insurance refund deposit {$0.00} {$0.00} {$1000.00} {$1000.00} ( {$1700.00} ) {$74000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$2700.00} ) {$74000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1000.00} ) {$1000.00} ( {$2900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$370.00} {$240.00} {$950.00} ( {$2100.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2400.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2600.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$290.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$270.00} {$430.00} {$7.00} {$710.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$270.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage  payment {$310.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$280.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$3000.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXXMortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$3000.00} ) {$85000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1500.00} ) {$1500.00} ( {$3000.00} ) {$86000.00} A check of the Escrow Summary online shows this Escrow Summary Last escrow analysis date ( month/year ) XX/XX/XXXX Current  escrow account balance ( {$1300.00} ) Current escrow payment {$270.00} Projected escrow payment {$92.00} Projected escrow payment effective date XX/XX/XXXX Taxes Tax Description Tax paid to Tax ID Number Installment Amount Next Due Date XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Homeowner and Hazard Insurance ( s ) Insurance Type Hazard Insurance Company Policy Number Policy Expiration Date Annual Premium Amount Homeowners ( primary ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Your annual hazard insurance premium is : {$1300.00} Payment Information Scheduled Payment Breakdown Next Payment Due* XX/XX/XXXX Principal & Interest {$700.00} Homeowner 's Insurance ( s ) {$100.00} Shortage {$160.00} XX/XX/XXXX Scheduled Payment {$980.00} Please note that if payment is received after the expiration of any applicable grace period, a late charge may be assessed in accordance with the loan documents. 
* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 

Payments I have made to XXXX for the Insurance are attached. Therefore Dovenmuehle Mortgage is charging me for insurance payments which I am making. 

XXXX XXXX XXXX fail to provide a detail breakdown for the escrow and how he arrives at the balance for {$1100.00} I am responsible for the insurance payment and does not understand why I am being charged an escrow for it. This is an outright Violation of my consumer Rights under RSPCA. A Copy was sent via secure message on the website and via email. 

THIS IS OUTRIGHT FRAUD AND THE CFPB IS NOT DOING ANYTHING ABOUT IT!!!!!