Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

XXXX XXXX I obtained a loan with XXXX XXXX XXXX XXXX, at the closing I informed them that the documents were not right due to me being tax exempt on the property. I was informed at that time they would correct it. It was never corrected so they took {$740.00} for taxes ( per closing documents ) .My payments were {$480.00} month which included escrow amount on {$63.00}, I continually contacted the servicer and lender about this problem. The servicer informed me that the had the account listed as tax exempt, so I inquired where was the funds going to that was included in my mortgage and the & {$740.00} that was paid during the closing, they could not answer me, I requested a transcript of the escrow account of which I have not received until this date. Then in XX/XX/XXXX I received an increase in mortgage payment to {$520.00} due to insurance increase, I was never notified prior to, I paid the mortgage payments until I found out what the problem was and changed insurance companies, whereas the payment was cheaper than the initial payment of {$2100.00} at closing. I continued to make the {$520.00} trying to get them to correct the payment amount to no avail. In XXXX I stopped making payments trying to get them to correct this problem, by XX/XX/XXXX after numerous calls and letters, I was told that my payments would be XXXX I made that payment on the phone with the rep., it was put in suspense, when I received my statement it had me delinquent, calling again to find out why, went around constantly with reps. telling me that the payment was wrong. Contacted XXXX XXXX XXXX finally spoke to VP of mortgages XXXX XXXX, XXXX XXXX tried to get the matter rectified. Finally after writing a letter to her informing her that if this problem was not rectified I would refer to Consumer Protection Bureau. On XX/XX/XXXX XXXX XXXX arranged a conference call with herself, manager of XXXX the servicer and me. The manager of XXXX said that she would look into the problems and send me a transcript of the escrow account, she would correct my credit bureau record and find out what happened to the funds that disappeared. At that time I gave her over the phone in that conversation {$1600.00} to be posted as 2 payments at XXXX and 2 payments at {$400.00}. The payments sat in suspense, Until I called because my statement showed I was 90 days delinquent and received a foreclosure notice. Then they found the funds and posted them wrong, I e-mailed the manager at XXXX XXXX XXXX several ties and have yet to receive a response. As of XX/XX/XXXX, my payments has been {$400.00} but they were supposed to be current but XXXX has me 30 days delinquent, being tired of fighting with them and thier annoying calls every two days, I suggested they reage the account just to stop receiving all these calls, they will not comply. My credit has been damaged from their ageing my account delinquent, when they said that they would not until everything was straight, and now they are charging me a monthly delinquency fee for their errors. I have documents from the Title company from the XXXX XXXX XXXX XXXX in reference to the closing documents that I sent to XXXX XXXX and nothing has been done to rectify the actions. I am requesting that all sanctions are places on XXXX and XXXX XXXX XXXX for failing to operate in " good faith '' as I have in getting this account corrected. I have documentation to upload to prove this information.