Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to Dovenmuehles letter dated XX/XX/XXXX. That response contains multiple misrepresentations regarding the servicing of my escrow account. These inaccuracies reinforce the findings of the XXXX XXXX XXXX XXXXXXXX XXXX, which confirmed that Dovenmuehle violated Regulation X and recommended this matter be further investigated by the Consumer Financial Protection Bureau.

1. Misapplication of Hazard Insurance Premiums in Escrow Analyses Dovenmuehle claims : Although policy documentation reflected the balance due amount increasing annually, the invoices received from your carrier ( XXXX XXXX ) also listed a premium due amount of {$2000.00}. These were the amounts used in our annual escrow analysis. 
This statement is demonstrably false for the following reasons : Attachment A- XXXX XXXX XXXX Annual Renewal Packet The XXXXXXXX XXXX XXXX annual renewal notice shows a Grand Total premium of {$3100.00}, not {$2000.00} ( see pages XXXX ) ; Attachment B- Attachment B- Sure Choice Annual Declarations XXXX Annual XXXX XXXX invoices clearly show both the Balance Due ( which increases annually from XXXX ) and the Original Premium Amount of {$2000.00} only as a comparison. 
Attachment C- Dovenmuehles own XXXX and XXXX escrow analyses Both analyses reflect only the outdated {$2000.00} figure, failing to account for the actual premiums that were due and paid by Dovenmuehle .

By ignoring the correct annual premium in each escrow analysis, Dovenmuehle understated escrow requirements, directly ca
using escrow shortages, account mismanagement, and borrower harm.

2. Misrepresentation Regarding Borrower Communications Dovenmuehle also claims that there is no record of me calling in XX/XX/XXXX and that I was not advised of a follow-up. This assertion is inaccurate. To verify the accuracy of their claims, I request that the CFPB subpoena and review : All account notes for my Loan Number All escrow analyses from XXXX through XXXX ; and All recorded phone calls from XX/XX/XXXX through XX/XX/XXXX. 
These records will confirm my repeated efforts to resolve the issue and Dovenmuehles failure to accurately maintain customer service logs. Failure to maintain accurate servicing records violates 12 C.F.R. 1024.38 ( c ), which obligates servicers to maintain records that document actions taken with respect to a borrowers account.

3. Supporting Findings from State Regulators The following documentation is also enclosed : Attachment XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Closing Letter confirming XXXX XXXX was not at fault. 
Attachment XXXX XXXX XXXX response to XXXX Demonstrating proper renewal notices and premium disclosures sent to Dovenmuehle. 
Attachment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Confirming Dovenmuehles violation of Regulation X and explicitly recommending CFPB investigation. 
Conclusion Dovenmuehles handling of my escrow account reflects systemic mismanagement and repeated violations of RESPA and Regulation X. Their XX/XX/XXXX letter to the CFPB contains false statements contradicted by both documentary evidence and state regulatory findings.

I respectfully request that the CFPB : Conduct a full investigation of Dovenmuehles servicing practices ; Compel Dovenmuehle to provide the records listed above ; and Hold Dovenmuehle accountable for all violations they are in, including of 12 C.F.R. 1024.17 and 1024.38. 
Thank you for your attention to this matter. The CFPB website does not allow me to provide any attachments. Please let me know how I can send additional documentation mentioned in this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation