|
7902937
|
2023-11-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-25
|
| Complaint What Happened |
The servicing of my mortgage was transferred from XXXXXXXX XXXX to Dovenmuehle Mortgage , Inc. ( DMI ), effective as of XX/XX/2023. In updating my payments, which I send automatically by check through my bank, I realized recent payments have been misapplied. I make my regular mortgage payment at the beginning of every month and I make an extra principal payment in the middle of the month. I have been doing this for years without issue. However, XXXX has incorrectly applied/failed to apply at least XXXX principal payments and has not been willing to help resolve the issue. I called Amalgamated about this during the first week of XXXX. The representative told me to discuss with DMI. I called DMI who told me that, because my mortgage had been transferred, DMI did not have historical information and to ask Amalgamated to send the last 12 months of transaction history to me and to DMI. I did so and received that information. I called DMI again on XX/XX/2023 at XXXX XXXX EST. The representative told me to send the transaction history to XXXX ( DMI 's " research department '' ) and to explain the issue so that they could resolve it. I did so on XX/XX/2023 at XXXX XXXX EST. I got no response. I have repeatedly followed up and have not received even an acknowledgement that my email was received. In the meantime, my principal payments have been misapplied as regular mortgage payments and my current mortgage payments are being applied an entire month early. This needs to be resolved before the end of the year. My principal amount is larger than it should be! It is unacceptable that I am being charged extra interest through no fault of my own and without recourse!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5856589
|
2022-08-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4297863
|
2021-04-14
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-14
|
| Complaint What Happened |
We refinanced our home in XX/XX/XXXX, When we did the refinance unfortunately our title company never paid our school taxes so they were re-levied onto our land taxes in XX/XX/XXXX. Our lender uses Dovenmuehle mortgage to service their loans the lender that we use is XXXX XXXX XXXX this complaint is for both of those companies. We have been on the phone with Dovenmuehele mortgage 3 to 4 times a month since XXXX we received the check from our title company and pay the school taxes which this company is showing records of yet they continue to charge us an extra {$800.00} a month for a every time we call we are told that they are doing an escrow analysis to fix our mortgage and a callback on a certain date yet it is not done on that day we have spoke to numerous supervisors and got nowhere with them at this point we are {$2400.00} extra since XXXX and they refused to give us an actual answer as to when this will be fixed what they are doing is criminal this money is going into our escrow account which I have no hope of seeing again since there are numerous complaints about them about not giving people their money back that is in their escrow account we have been trying to fix this with them since XXXX and this is absolutely unacceptable please reach out to me with any questions as we would like this resolved in a timely fashion and Can not afford an extra $ XXXX.
Thank You!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3952630
|
2020-11-13
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2020-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-13
|
| Complaint What Happened |
I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer.
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3828934
|
2020-09-03
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-03
|
| Complaint What Happened |
Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this.
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back.
Help. Never missed a payment in 21 yrs.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3804397
|
2020-08-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-19
|
| Complaint What Happened |
I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached.
See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part.
The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments.
XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3663186
|
2020-05-21
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-05-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-21
|
| Complaint What Happened |
The mortgage is serviced by Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX.
This company took over the servicing in XXXX of this year. I was previously paying bi-weekly {$750.00} and the payment was XXXX that left XXXX each two payments to principal reduction. They get the checks and it takes up to 10 days to get the account credited. The last payment was received on XX/XX/XXXX ( It was stamped on a copy of my cancelled check. The web portal states applied on XXXX. The check cleared my bank on XXXX. There is additional funds that they hold in a suspense account until I have to call to be put to principal reduction.
This process seems illegal since they are holding money that can reduce my amount owed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3544448
|
2020-02-25
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-25
|
| Complaint What Happened |
On XX/XX/2020 I contacted Dovenmuehle mortgage about removing the PMI on my home. According to public records, the local home sales has brought my LTV to 78 %. They denied my request and stated that I was 30 or more days delinquent in the past 12 months. This information is incorrect. I have not exceeded 30 days from the due date which is the XX/XX/XXXX. I am assuming they are using the the guidelines of the FCRA. I am requesting written clarification and proof that I exceeded 30 day period. In regards to speaking to someone directly in the escrow department, I am screened and told to write a letter. My initial contact on XX/XX/20 involved a phone request through a customer service request. My second contact on XX/XX/20 involved an eFax to their escow dept.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2783081
|
2018-01-11
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-01-11
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-19
|
| Consumer Consent Provided |
N/A
|
|
|
1266678
|
2015-03-04
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
FHA mortgage
|
| Date Received |
2015-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-10
|
| Consumer Consent Provided |
N/A
|
|
|
873746
|
2014-05-29
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-05-29
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-06-03
|
| Consumer Consent Provided |
N/A
|
|
|
1104623
|
2014-11-06
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-11-06
|
| Consumer Consent Provided |
N/A
|
|
|
644665
|
2013-12-24
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-23
|
| Consumer Consent Provided |
N/A
|
|
|
10102670
|
2024-09-11
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Delays in the application process
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2915273
|
2018-05-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10465312
|
2024-10-15
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4312035
|
2021-04-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-04-19
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-20
|
| Consumer Consent Provided |
N/A
|
|
|
5243030
|
2022-02-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-20
|
| Complaint What Happened |
To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago!
Every month because of one thing or another it was delayed.
I finally have gotten them al the documents they can possibly need.
The last thing i did was send in paperwork to clear up a forbearance issue.
The truth is i was making payments for months but for some reason they didnt register everything correctly.
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period.
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long.
If there is any way you guys can help id really appreciate it.
Thank you, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4158619
|
2021-02-23
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-23
|
| Complaint What Happened |
Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX.
As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate.
Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate.
I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.
After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5694029
|
2022-06-21
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-21
|
| Complaint What Happened |
My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount.
Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested.
They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure.
It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount.
The following is my communication with the mortgage company.
1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ).
2. Mailed ( XX/XX/XXXX ).
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ).
4. Faxed to XXXX ( XXXX ).
5. Emailed to XXXX ( XX/XX/XXXX ).
I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email.
See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it.
According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance.
regards
|
| Consumer Consent Provided |
Consent provided
|
|
|
352718
|
2013-03-13
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-03-14
|
| Consumer Consent Provided |
N/A
|
|
|
3950962
|
2020-11-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-12
|
| Complaint What Happened |
My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements.
As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX.
I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4024731
|
2020-12-21
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-21
|
| Complaint What Happened |
DMI, as a servicer for XXXX Mortgage has failed to refund escrow payments in compliance with XXXX within 20 days of the loan being satisfied in full. They refuse to make alternate arrangements for a timely dispersal of the escrow funds and are not providing sufficient information to the Borrower as whether it has met its obligations to provide a timely refund.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6943686
|
2023-05-05
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-05
|
| Complaint What Happened |
We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?
|
| Consumer Consent Provided |
Consent provided
|
|
|
4191253
|
2021-03-08
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-08
|
| Complaint What Happened |
In XX/XX/2020 I was furloughed due to Covid, and requested a 3 month deferral from my mortgage company, Dovenmuehle Mortgage. I was told I wouldnt have to pay XXXX, XXXX and XXXX and those payments would be placed on the back end of my loan. XX/XX/2020 I resumed making payments, spoke to them numerous times. Every month I called in to make my payment because they would not allow online payments to be made. I was told my loan was in the final stages of the deferral agreement. In XXXX I received a bill for XXXX that my balance was {$26.00}. I called to ask why because this didnt make sense to me. I was told that was all I owed and that as soon as I made that payment everything would be current and finalized.
In XX/XX/2020 we decided to try and refinance through a different institution. CEMA docs were requested on our behalf on XX/XX/2020. I was told by the loan officer I was trying to refinance with that he suspected as soon as we requested the Cema they would try and sell the loan, apparently this was not the first encounter his company had had with this company. Well A few weeks later we were told our loan was being sold to XXXX XXXX as of XX/XX/2020.
In the meantime in XXXX we were notified that the loan was still in forebearance and payments were not being applied. I made NUMEROUS phone calls ... literally hours on the phone with so many different customer service reps, supervisors trying to clear this up. Always being told something different and no real reason as to why someone just couldnt apply the payments and bring the loan current, as we had been paying since XXXX at this point. A VOM that had been requested showed us having not paid the mortgage. Right around XX/XX/XXXX we received a letter to disregard the loan transfer to XXXXXXXX XXXX.
On XX/XX/XXXX, again after numerous hours on the phone they FINALLY applied the payments and sent the letter we had requested that we were out of forebearance BUT they had said we were only out of forebearance since that day that they applied the payments, and not that our loan was current as of XXXX when we had resumed making payments on time AND had received a letter agreeing to the deferral of the 3 missed payments.
Then we received a letter that as of XX/XX/XXXX our loan would be transferred to a different servicer, XXXXXXXX XXXX.
Now at this point we have already paid {$1000.00} to extend our rate that expired ... our new mortgage company we are trying to refi with has agreed that upon receiving an updated VOM we can close on this loan ... well first we were told 3 different things on how we couldnt be sent the VOM via fax or email ... even though we requested in writing and over the phone ... well now we finally got the VOM but they DID NOT UPDATE OUR PAYMENTS MADE.
They clearly are trying to prevent us from paying off this loan before they can successfully sell the loan off.
I called the new servicer XXXX and told them we have been trying to pay this loan off and Dovenmuehle clearly knows this ... not only did we request CEMA docs but have spoke to numerous at least over 20 CSR about our intentions and the new servicer was clearly shocked to hear this information. How can they sell a loan that is in the process of being paid off ... well they are clearly trying to prevent this from happening. We are at our wits end, our rate extension is abt to expire again and we are being held hostage by Dovenmuehle. How can they send out a VOM that doesnt show payments made?
|
| Consumer Consent Provided |
Consent provided
|
|
|
8066613
|
2023-12-28
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-28
|
| Complaint What Happened |
I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history.
I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported.
I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing.
Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation.
DOVENMUEHLE/XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DOVENMUEHLE/XXXX XXXX XXXX customer service representative .
I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter.
I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6238013
|
2022-11-23
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2022-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-23
|
| Complaint What Happened |
Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX.
2. I was told by the company to make 3 payments of the monthly amount and it would be completed.
3. I followed up in XX/XX/XXXX, and was informed the remodification never started.
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call.
5. With the help of XXXX XXXX XXXX who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters.
6. I applied for HAF assistance and uploaded proof of mortgage arrears.
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back.
I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8184251
|
2024-01-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Escrow, taxes, or insurance
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-19
|
| Complaint What Happened |
I am having issues with my property taxes and a couple of typographical errors in the closing documents. I am hoping you could help. I have been going back and forth with the loan servicer and they have changed multiple times. But in essence they are charging me for property taxes that are not part of XXXX XXXX XXXX XXXX. The only lots they are suppose to charge is parcel XXXX and XXXX but they are charging me for a few more lots including and they sent money to them last year and this year. They said they can not help me with last year 's payments because they just switched to the new servicer, but they can only help me with this years. The problem is that this has now increased my payments by {$2700.00} per month over the last two years. I don't know why they are paying additional taxes and not just this property 's tax.
XXXX shows that the seller paid the taxes as follows : XXXX XXXX for XXXX XXXX {$4000.00} XXXX XXXX for XX/XX/XXXX XX/XX/XXXX {$750.00} So they should have been paid through XX/XX/XXXXXXXX for both of these lots.
The title work the closing attorney provided to the lender shows that the properties were insuring had the following tax identification numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX However, my mortgage company is charging me for property taxes of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have no idea why they did this.
I have attached title commitment and recorded deed of trust showing that they were only supposed to charge and pay for the properties at XXXX XXXX XXXX.
They did not get a lien on the other two lots.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3766599
|
2020-07-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-28
|
| Complaint What Happened |
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date.
I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus.
However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2758630
|
2017-12-18
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7883038
|
2023-11-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Dovenmuehle Mortgage, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-22
|
| Complaint What Happened |
I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again.
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXXXXXX customer service representative.
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
|
| Consumer Consent Provided |
Consent provided
|
|
