Complaint Review: Dovenmuehle Mortgage - Lake Zurich Illinois

ERROR #1 Dovenmuehle Mortgage has handled almost every interaction with myself and my finances sloppily and haphazardly. 

6 months ago Dovenmuehle needed to take money out of my ESCROW ACCOUNT to pay my home insurance and my yearly taxes.  I had plenty of money in my ESCROW so the deduction should have been painless.  Dovenmuehle pulled the payment twice in error, driving my escrow balance almost into the negative. 

I, in the meantime have no idea of the error until I received a letter from Dovenmuehle stating that my escrow account is way too low "for some reason?" and my new mortgage payment is now roughly 15% more than the previous months'.  The gigantic increase in my mortgage payment was due to an immediate ecsrow re-analysis by DOVENMUEHLE the very moment they accidentally withdrew double the payments they were supposed to. 

Needless to say I had to be the one who found the error and I had to call Dovenmuehke and coach them through their responsibilities until they learned the error of their ways.  

They would not re-evaluate my escrow account to make my payments decrease for an additional six months after I re-sent in the error money and asked for a re-analysis of my escrow.  They eventually recalculated it. 

After their new analysis my mortgage payment still ended up permanently higher than it was before the Dovenmuehle folly.  I also had to pay the additional 15% plus increase for months resulting in myself, (who is a 100 percent disabled veteran) and my wife having to pay hundreds extra until Dovenmuehle realized/fixed their gigantic unexcusable selfs.

ERROR #2 In December 2013 I closed the bank account linked to my Dovenmuehle Mortgage because I was switching banks.  Today is rouglhy 50 days since I told Dovenmuehle the bank account is closed and 50 days since I sent a letter requsting the change through the USPS which tends to deliver most my mail within a week..

Dovenmuehle automatically withdrew from my old cancelled account on the first of the month until December 2013, when I notified Dovenmuehle that the bank account was closed and asked if I could please set up a new automatic withdrawal through a new bank.

 Dovenmuehle basically said they can't do anything productive over the phone because that would be hard so if I could please send a letter with my bank info and my insructions about what I wanted to happen.  This letter was sent out before Christmas 2013. The staff member I spoke with in December said that they could not cancel the cancelled bank info to the closed account for some reason and she would simply "put a skip" on January's payment while they recieved my December letter.  I sent in a check from the new bank account which cleared covering my January payment. 

As Febuary approeched I got nervous because Dovenmuehle had not sent me a conformation that they recieved my request to draw from a new bank.  Finally on February 3rd I received a letter that was dated January 31, 2014 stating they got my letter and they will withdraw my next scheduled payment...which would be February 1st.  As of February 8th there had been no withdrawal.  On February 10th, Dovenmuehle sent me a letter Dated 2/5/2014 stating they couldn't withdraw my February 1st payment because the account was closed. So my payment is late and I owe them a fee. 

I called Dovenmuehle and the lady was very apologetic at first. She addmitted that Dovenmuehle tried to pull from the account that I notified them was closed 2 months prior.  My "Good" account, which they claimed on Jan 31st they would pull from had enough in it to cover the mortgage. So what the heck happened?

First, I would put my hand on the bible and say I believe the assoiciate I was talking to started out-right lying to me at one point.  She claimed that Dovenmuehle tried to put a hold on the payment on January 30th on my old accountt that I told them was cancelled...because they did not recieve the letter I sent for almost 50 days...until January 31st!!!. 

I said please do not pull February's mortgage because my wife and I mailed a check on the February 7th, because we saw that Dovenmuehle had still not withdrawn.  I told the lady I didn't want to pay the penalty fee from the January 30th attept to draw from a cancelled account.  According to her I still am responsible for the fee, and if I want to i can mail in a rebuttle, so If my math serves me if I mail the letter in today February 10th, Dovenmuehle will look at it in roughly the end of April? I hate you Dovenmuehle.