Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

HOW COULD YOU CLOSE THE CASE WHEN THE ANSWER THE COMPANY GAVE YOU IS WRONG. I AM STILL OUT OF MY MONEY!!! 
I have made several complaints before with you consumerfinance.gov ( CFPB ) regarding Dovenmuehle Mortgage. The company has provided erroneous information to your office which you received as truth and failed to verify. On On XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  ; XXXX ; XXXX License # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX claimed that they were servicing the loan for XXXX XXXX XXXX   XXXX XXXX of the representative from XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX sent XXXX XXXX as well as I the Mortgage Clause as well as a letter to remove XXXX XXXX XXXX XXXX and add Dovenmuehle Mortgage INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX. This can only be done when the mortgage is sold. I had no previous knowledge nor did I sign any document of such acceptance. The only mortgage purchase I made was on XX/XX/XXXX. XXXX XXXX XXXX  XXXX violates my consumers ' right to know and you CFPB has allowed them to get away with murder. This is why these mortgage companies feel they have the right to ILLEGALLY FORECLOSE ON Consumers ' homes. Consumers are caught in the crossfire because they DO NOT know who to send the payments to. No wonder the HOMELESS Rate in America is High. I sent {$13000.00} in payments to XXXX XXXX XXXX ; Payment Processing Center XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX thru XXXX XXXX Bill Pay from XX/XX/XXXX-XX/XX/XXXX which was not applied to my account. Instead, the money was placed in a dead account and sat there for almost two years. Dovenmuehle Mortgage Inc, who claimed to be the Mortgage Servicer, sent Form XXXX for IRS showed two payments were applied but XXXX XXXX XXXX records showed differently. My XXXX showed that Dovenmuehle Mortgage INC applied the money to attorney & corporate fees and intentionally reported the wrong information to XXXX XXXX XXXX   who in turn filed for Foreclosure even after receiving {$13000.00}, which they never applied to my account. To top it off XXXX XXXX XXXX technically did not own the loan since it was sold to Dovenmuehle Mortgage INC. The statements shows 2nd Mortgage. Dovenmuehle Mortgage INC could not file for Foreclosure since they did not own the mortgage. How do I know that they purchase the mortgage, XXXX sending the information to XXXX to remove XXXX XXXX XXXX and replace them with Dovenmuehle Mortgage INC. I never signed any promissory note with Dovenmuehle Mortgage INC. After spending unnecessary money to hire an attorney to represent me with the foreclosure, sleepless nights, incurring hospital bills, XXXX XXXX XXXX  after almost two years in XX/XX/XXXX returned {$9600.00} leaving a balance of {$3900.00}, which was never applied to my account. XXXX XXXX XXXX  sent you, CFPB letters claiming that they have returned the money but to date XXXX XXXX XXXX has no proof except a letter to say that the money was returned. However, they have proof for the {$9600.00}. Letters are not acceptable proof. A copy of a cashed check which would be verifiable proof is the ONLY ACCEPtABLE PROOF. I have written several letters to NJ Department of Banking & Insurance ; the Consumer Finance Protection Bureau ( CFPB ) regarding the money not credited to my account. After making a complaint to the CFPB and NJ Dept of Banking and Insurance bureau, and because I did not accept the terms of the loan modification, in an effort to force me to accept the modification, Dovenmuehle Mortgage thru XXXX XXXX XXXX XXXX file foreclosure on the property XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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. My payments were never returned 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 didn'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, XXXX XXXX from XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 ; 632 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 172 on XX/XX/XXXX for {$40.00} & {$250.00} on XX/XX/XXXX for Corporate Advance ST as well as a late. There should be a law passed that FORBIDS Mortgage Corporation from robbing consumers with such outrageous attorney fees like XXXX XXXX XXXX   XXXX charged me ( {$10000.00} ) plus my own personal attorney fee to get back ones property. XXXX XXXX XXXX held {$13000.00} and fail to pay me interest. Attached you will find the XX/XX/XXXX & XX/XX/XXXX XXXX filed by Dovenmuehle Mortgage INC as servicer for XXXX XXXX XXXX instead of as the Mortgage Company. The {$10000.00} attorney fee, which was a means to prevent me from keeping my home was listed on my XXXX as MISCELLANEOUS!!!!