June 2021 by murtz r.
This is a recent email I sent them detailing the most frustrating time I have ever had with a bank. They bought my loan and I have been forced to deal with them. I have had late fees over the past 1.5 yrs (January 2020), and have had the loan with Bank of Hope for just over that amount, since Sept 2019. I purchased my home in July 2019 I thought I had taken care of the issue last June (June 2020) and made an additional payment for late fees. (You can see this extra payment on the payment activity summary that I have attached.) I just made the payment to hopefully get my account straightened out and not have any hassles. My payments should have gone down in 2020 as my taxes went down, but instead my payments increased. I had called and this was to have been cleared up and was told it would be. The purchase price of my home was less than what the county was charging taxes for. I even received a refund check from the county for overpayment. I have continued to make my usual monthly payments every month. I received bills in July 2020, August 2020 and September 2020 with $0 due. I do not know why I would receive bills with $0 due and I believe this is part of the problem. Then again in November 2020 I was assessed late fees which have continued since. The entire time I have continued to pay every month, through autopay, the amount of $3214.13. I got a statement on 1/15/2021 that was an escrow activity summary. It stated that I had an escrow balance surplus of $478.88, escrow payments past due of $399.21 and that my regular payments were decreased by about $65 dollars, from $3266.92 to $3201.62/month. The following month I received a refund check for the amount of $478. For what reason I do not know? If I owe $399 why send me a refund check for $478? For the entire time I have been with Bank of Hope I have continued to pay $3214.13 monthly on autopay. Unfortunately I am not given a true online account with Bank of Hope and my payments are just through a payment website. There is no way for me to stay on top of my charges and pay off due balances, I rely only on you all for applying charges correctly. On my most recent statement for May I have an overdue amount of $506, late fees of $25. Even though I am paying monthly more than that is due. Also recently received letters that I have been sent to collections and that now Bank of Hope is not servicing my loan any more. But Bank of Hope is still the owner of the loan. Yesterday I had a frustrating conversation with a Bank of Hope representative, Ameria, who basically just kept on repeating to me that Bank of Hope is not servicing my loan and that I have to call Dovenmeuhle Mortgage Inc. -I am beyond frustrated. -I never asked for my bank to change to Bank of Hope -I have called multiple times, tried to explain that I should not be behind on my payments and have asked for a supervisor. I have been told that the issue will be looked into and I will receive a call back, but no one has yet to call me back. -I now have complaints to the credit bureaus that I have been late on my mortgage payments 3+ times. -As a physician I do not have much free time, but I have been forced to put in a lot of personal time for something that should have been a straightforward process. I should be compensated at my usual hourly rate of $300/hr for all the time I have spent on the phone, reviewing bills and trying to make sense of these errors. Please fix this and clear up my credit.