Dovenmuehle Mortgage, Inc.

I was forced to file a XXXX XXXX XXXX not for any debt of my own, but for my x husband 's business loan because of our house as collateral, etc I was removed by the mortgage co from online access to the mortgage in XXXXXXXX XXXX XXXX The mortgage co has been unwilling to provide me with any information about my mortgage, if the additional amount I paid towards principal was being applied, why the only information I could obtain about total debt amount owed, the insurance co amounts paid and property tax amounts paid, do not add up to my payments. Maybe they do if I could see more information. I was told that no information could be given to me as long as the mortgage is in bankruptcy. The bankruptcy was discharged in XXXX and the mortgage co received a copy of the discharge from the court and two copies from me ( they said they had not received the first 2 ) and my letter asking that the mortgage be taken out of bankruptcy.…

Dovenmuehle Mortgage ( loan servicer ) and XXXX XXXX XXXX XXXX are engaging in unfair, deceptive, or abusive acts. The appraisal that Dovenmuehle Mortgage ordered, and XXXX XXXX XXXX XXXX ( XXXX ) has endorsed, is technically flawed and the valuation is incorrect. PMI is therefore being charged illegally. Flawed appraisal : 1. An appraisal dated XX/XX/XXXX was ordered by XXXX and used as the basis for awarding a construction loan in the amount of {$420000.00}. The valuation for the home was determined to be {$510000.00}. For this appraisal, parameters for comparable homes were {$450000.00} - {$550000.00}. 2. An appraisal dated XX/XX/XXXX was ordered by Dovenmuehle Mortgage in response to a request for PMI cancellation, which valued the same home at {$330000.00}. For this appraisal, parameters for comparable homes were set at {$170000.00} - {$440000.00} Many basic facts in the XXXX appraisal are wrong e.g. type of siding, square footage of livable area, patio, fireplace etc.…

XX/XX/year> - Loss mitigation request started with XXXX XXXX XXXX XXXX ( XXXX ) and Dovenmuehle Mortgage ( DMI ). XX/XX/year> - XX/XX/year> - DMI documentation review and multiple phone calls to discuss options for help. XX/XX/year> - Forbearance applied to the account and auto pay turned off without approval. Terms of Forbearance. - XXXX, XXXX, XXXX ( XXXX was already paid ) and at the end of XXXX if not all monies owed were not repaid then the loan would be modified with an increase in the loan interest percent. Actual terms were not provided, verbiage used was " reevaluated '' and " mortgage modification ''. After multiple inquiries it was provided that the interest might increase to more than national mortgage rates or 3x+ the current insurance rate. This is not help and is predatory. Asking for help and being told two months of non-payment that is due at the end of two months then your loan rewritten to worse than before is what is expected out of a loan company.

My husband and I jointly hold a conventional XXXX XXXX mortgage serviced by Dovenmuehle Mortgage , Inc., for XXXX XXXX XXXX XXXX. We were current at the onset of a forbearance approved XX/XX/XXXX, effective XX/XX/XXXX, extended through XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle reported 120 days late to TransUnion and 180 days late to XXXX and XXXX, with a past-due balance of {$12000.00} representing XXXX accumulated forbearance-period payments. A XXXX rating in XX/XX/XXXX requires a delinquency origin of XX/XX/XXXX ; 180 days requires XX/XX/XXXX. Both dates fall within the forbearance period that their own codes confirm was active : XXXX shows FOR/Rating X ; XXXX shows XXXX XXXX throughout XXXX. The delinquency ratings are mathematically impossible under their own reported data, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).…

I was approved for a loan modification, but Dovenmuehle miscalculated my escrow delinquency at {$40000.00}, while my official mortgage statement explicitly shows a delinquency of exactly {$26000.00}. I appealed this {$14000.00} mathematical error, but the servicer rushed a denial within 7 days without performing a proper review. When I called back to secure next steps, Dovenmuehle informed me that my modification approval was revoked, refused my request to reinstate the approval, denied my request to waive legal fees, and is actively withholding an updated reinstatement quote on the eve of the auction. Proceeding with tomorrow 's foreclosure sale while denying my right to pay the true delinquency current constitutes a bad-faith wrongful foreclosure.

I am filing this complaint because my mortgage servicer refused to allow me to make a fourth payment that would have made me eligible for loss mitigation assistance. I was never informed that a minimum number of payments was required before I could receive assistance, and I was not made aware of this requirement until after I sought help. I submitted an appeal explaining my financial hardship, but it was denied. My financial circumstances changed significantly after experiencing multiple family deaths and taking on the responsibility of paying approximately {$10000.00} in college tuition for my oldest child. As a XXXX parent raising XXXX children, I made every effort to keep my mortgage current and to work with my servicer to avoid foreclosure. I believe I should have been clearly informed of any payment requirements for loss mitigation before my request was denied.…

I am experiencing ongoing and severe mismanagement of my mortgage escrow account by Dovenmuehle Mortgage , Inc. ( loan originated/purchased in XX/XX/XXXX ). Key Issues : -Repeated Insurance Payment Errors : Dovenmuehle sent my homeowners insurance renewal check to the wrong insurance company, which cashed it. They then sent a second check to the same incorrect company. I had to pay out-of-pocket to keep my policy active. A third check was sent to the correct company but was placed on hold and bounced. I am still awaiting resolution on a fourth check. These errors have jeopardized my continuous insurance coverage. -Failure to Provide Requested Documents : Over a month ago ( approximately XX/XX/XXXX ), I requested complete escrow account disclosures and transaction history ( from purchase in XX/XX/XXXX to present ). I was told 710 business days. I have received nothing. I also requested a re-run of my escrow analysis ( promised in 35 business days ) and have still not received it.…

Sent me a letter dated XXXX XX/XX/year> stating that there was no lie on my property Obviously they fail to check with the XXXX XXXX deed and title company company XXXX XXXX And was hired by key note consultant and rogues within XXXX to forge XXXX XXXX on this document with the intentions of showing me that they have power I shall see just how much power you have in federal court I have provided them copies on the lien which obviously was forged by rogue employees XXXX consultant and rogue debt Attorney XXXX XXXX I am demanding the release of the lien so I can sell the property failure to do so will result in my filing a lawsuit against all parties.

My family and I are trying to sell my home Unable to sell home because pople on the debt collection within XXXX along with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX forged XXXX XXXX XXXX XXXX name and vindictively placed a lien on my property and did not inform the bank or the XXXX XXXXXXXX XXXX name is on the paper work he was not hired by XXXX and therefore he forced their name which is fraud XXXX keeps telling me that they did not place the lien but their name is on the lien filed in XXXX. XXXX Illinois If you did not place the lien why have t you done an investigation on the information I provided

So I have been trying to apply for a assistance with my mortgage company and I explained to them before many times that the co owner is unwilling and un cooperative and has abandoned the house for years now and is unwilling help with getting the assistance I need, and I explained them to that it is a fha Loan and that it states on the website that if a co owner is unwilling or un cooperative FHA rules state that I do not need his signature to get a loan modification or any type of assistance and before when I applied I didnt need is signature and I was able to submit and apply for it with just my signature and not his so now all of sudden I need his? And that didnt listen to me and I asked to speak to a supervisor and they never called me back either.

On XX/XX/XXXX, while calling to make a payment, I was told a payment could not be made because my mortgage account had been sent to Foreclosure while waiting during the loss mitigation process. I was told my information would be re-submitted and was transferred to the Foreclosure department. Once transferred to the foreclosure department, I was told my account would remain in foreclosure and that nothing could be done until loss mitigation notified them. I was then given the contact information to the law firm that was being sent my account. This is a clear violation of XXXX XXXX under RESPA XXXX XXXX.

XXXX mortgage! We sent a {$120000.00} check to pay off the loan! They havent taken the payment and are saying I still owe them! I paid extra {$130.00}, they said thats it but still havent verified it got paid off! XXXX!

I am submitting this complaint regarding severe mortgage servicing misconduct, excessive lender-placed insurance ( XXXX ) practices, escrow mismanagement, restoration underfunding, and improper handling of a VA-guaranteed residential mortgage loan associated with XXXX XXXX XXXX XXXX Dovenmuehle Mortgage , InXXXX XXXX XXXX XXXX XXXX, and XXXXlated insurance participants. The subject property is lawfully classified and recognized as a residential single-family dwelling. Prior to a catastrophic fire occurring on XXXX XXXX, 2024, the property was consistently insured and underwritten as residential owner-occupied collateral under comprehensive homeowner insurance policies.…

I am filing this complaint regarding a pattern of mortgage servicing failures, inaccurate credit reporting, inadequate communication, delayed loss mitigation processing, and the resulting financial and emotional harm caused to my family over an extended period of time. This is not an isolated incident. I previously filed CFPB Complaint No. XXXX regarding improper servicing practices, inaccurate credit reporting during an approved forbearance period, and failures in the loss mitigation process. More recently, I filed Complaint No. XXXX directly with the servicer regarding additional inaccurate credit reporting. Despite multiple complaints and opportunities to correct these issues, the servicer continues to mishandle my account. My family 's hardship began in XX/XX/XXXX when my wife lost her job. In XX/XX/XXXX, we entered the mortgage assistance and loss mitigation process and applied for assistance due to that hardship.…

I am a borrower on loan XXXX serviced by Dovenmuehle Mortgage. In XX/XX/XXXX I called Dovenmuehle Loss Mitigation and explicitly requested a forbearance, not a loan modification. They mailed me a borrower response package which I completed and mailed back in early XX/XX/XXXX requesting forbearance with deferment of arrears to end of loan. On XX/XX/XXXX I discovered my account showed FORECLOSED status online. I called Loss Mitigation that morning. Their representative and her supervisor confirmed a XX/XX/XXXX approval exists in my account. That call recording is preserved Dovenmuehle 's response to my prior CFPB complaint XXXX now claims no approval occurred in XX/XX/XXXX ( despite the recorded phone call I have preserved ) and that I never responded to a XX/XX/XXXX modification offer. I did receive that XX/XX/XXXX offer and did not respond because I have never requested a modification. These facts are contradictory.…

I am filing this complaint because my mortgage servicer, Dovenmuehle Mortgage, appears to have moved my loan into active foreclosure status despite its own records showing that my loss mitigation application was approved on XX/XX/XXXX, and despite my never receiving the approval letter or trial payment terms. My lender is XXXX XXXX XXXXXXXX. My servicer is Dovenmuehle Mortgage. My loan number ends in XXXX. The property is my home at XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX, where I live with my XXXX year old daughter. I fell behind on my mortgage and contacted Dovenmuehle Loss Mitigation. In late XX/XX/XXXX, Dovenmuehle mailed me a borrower response package. I completed the package and mailed it back in the first days of XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle generated and mailed two documents. One document, XXXX, stated that my loan had been transferred to XXXX XXXX XXXX for foreclosure action. The other document, XXXX, was a Notice of Acceleration.…

I am the owner of this property by way of deed of trust from XX/XX/XXXX. I am requesting the full loan file and complete account history because the information provided by the servicer is incomplete and inconsistent. The loan shows a due date beginning XX/XX/XXXX, but the account history I received only reflects activity from XX/XX/XXXX through XX/XX/XXXX, leaving a significant gap from XXXX through XXXX with no explanation of payments, servicing activity, or account status during that time. Despite this missing history, the company is claiming the loan is approximately 898 days delinquent as of XX/XX/XXXX. The mortgage statement dated XX/XX/XXXX shows an outstanding principal balance of {$310000.00}, an interest rate of XXXX XXXX, and a total amount due of {$74000.00} to bring the loan current. However, the statement also shows that no principal or interest payments were applied, and instead fees, late charges, and escrow adjustments were added.…

I applied for a mortgage assumption beginning XX/XX/XXXX and submitted all requested documentation. On XX/XX/XXXX, I paid {$1000.00} to proceed with the assumption review process. The application remained in process for over XXXX months. A denial decision was made on XX/XX/XXXX ; however, I was not notified at that time and only became aware after I followed up on XX/XX/XXXX. I received a response on XX/XX/XXXX. The initial denial reasons were listed as credit application incomplete and unable to verify income. These were later expanded to include credit-related factors such as high balances, recent inquiries, and account age. The initial reason of credit application incomplete appears inconsistent with the later explanation citing credit profile factors, and it is unclear why these issues were not identified or communicated earlier. I am disputing the {$900.00} processing fee included in the total payment.…

Previous CFPB complaint was closed without reaching a resolution. The servicers response to my initial CFPB complaint contains a false statement. They claim Fannie Mae did not ask them to correct the credit reporting. That is not true. Fannie Mae XXXX XXXX XXXX was opened specifically about this loan. The credit corrections the servicer lists in their response all followed Fannie Mae regulatory contact. A servicer does not make bureau corrections because nothing was asked of them. The XX/XX/XXXX delinquency is still on my credit file. That is the entry that destroyed my XXXX XXXX and triggered every downstream harm in this case. The servicers own response letter confirms the delinquency was not removed, while surrounding it with unrelated actions that create the appearance of compliance without achieving correction. This delinquency should never have existed.…

Statement of Material Facts : Systemic Fraud and Willful Obstruction of Disaster Recovery This complaint documents a catastrophic sequence of servicer-induced defaults and fraudulent accounting by XXXX XXXX and Dovenmuehle Mortgage Inc. ( DMI ). This is not a case of borrower non-performance, but a targeted campaign of administrative attrition designed to strip equity and obstruct recovery for a FEMA-verified uninhabitable property. The foundation of this crisis is a documented administrative oversight admitted by the bank, where they failed to correctly code my account for disaster hardship. This error was weaponized to block my access to the XXXX XXXX XXXX disaster relief plan. By intentionally withholding this referral for over twelve months, the servicer has moved the file beyond the standard eligibility window, effectively " timing out '' my ability to secure a new disaster mortgage note.…

Selling the house. I know I had some covid relief. The lender staters {$50000.00}. As shown in document 1. I know they did not do that much. And document 2 shows down payment assistance {$17000.00} The documents I sighed and how much i recived with covid relief. I want all payments that were in the covid relief and a copy from hud. With what Dovermule recived. Closing is XX/XX/XXXX th. I called Huds office. And Dovermule. And recorded everything.

I requested information from them over 60 days ago They were supposed to investigate the theft of the title to my home with is a felony I. The state of Illinois They along with XXXX XXXX XXXX XXXX has lied and decline to tell me where the title to my home is located so I can sell the property Title tampering and theft is a federal crime They are aware that a rogue debt collector XXXX XXXX along with keynote consultant both conspired and placed an illegal lien on my property for no legal reason other that the fact that XXXX a XXXX personand they are trying to steal my XXXX property that my family and I reside in. I can not sell the property because the title is stolen and they will not assist me in this matter which has been going on for several years They would never had done this to a white family and Im asking that you forward this felonious activity to the department of justice FTC

I am filing this complaint against XXXX XXXX ( XXXX ) for a violation of federal mortgage servicing rules ( Regulation X / RESPA ) and unfair fee practices during a chaotic loan transfer. XXXX. RESPA Timeline Violation : On XX/XX/year>, I sent a formal Notice of Error to XXXX regarding a {$20.00} NSF fee. Under XXXX CFR XXXX ( d ), a servicer MUST acknowledge receipt of a notice of error within XXXX business days. XXXX did not respond until XX/XX/year> ( XXXX days later ). This is a clear-cut violation of federal law. XXXX. Good Faith Effort to Pay : During the transfer from XXXX Bank ( which closed its mortgage division ), I spent XXXX hours calling XXXX, XXXX XXXX, and XXXX to ensure my payment was made correctly. I was repeatedly hung up on by XXXX and XXXX XXXX because their mortgage branches had closed, and XXXX had no record of my loan. XXXX.…

My mortgage servicer, United Community Bank, has improperly used {$6300.00} of my escrow funds to pay property taxes for XXXX ( XXXX ) properties that I do not own. In XX/XX/year>, my mortgage servicer increased my monthly payments by approximately {$550.00}. For the past year, my family has been forced to pay this amount, causing us severe financial hardship. We believed this was due to a property tax reassessment, which we appealed with our county, won, and submitted an escrow adjustment request on XX/XX/year>. On XX/XX/year> I received a generic reply the issue had been forwarded to escrow, with response to be provided within XX/XX/XXXX days max. By XX/XX/year>,XX/XX/XXXX days later, I still had not received a reply, explanation, or financial overcharge correction, so I emailed United Community Bank Customer Support again to request a status update.…

I had a home equity loan with XXXX home loan, my loan was sold to a company Dovenmuehle. They continue to harassed me about a payment was never paid for XXXX of XXXX. I have never missed a payment and was never contacted by discover of a missing payment. They added the XXXX payment for the XXXX payment, so now when XXXX payment has been made it makes it looks if XXXX behind a payment. Document from my bank stated XXXX of XXXX was they continue to add late fees stating XXXX behind. Never missed a payment.

XX/XX/XXXX : This Cesspool of a Bank and its Dumpster Bucket of former XXXX XXXXXXXX XXXX XXXX' Employee 's REFUSE to fix their mess and instead continue to cover up their fraud and crimes, soooooo, here we go again with yet another pile of lies where they NOW claim to not even recognize my account and claim they don't own the loan. Well XXXX.... send me a zero balance and a FREE & CLEAR Deed XXXX : ). If not, Please see below for details........ To Whom It May Concern, Because it is apparent that you have failed in researching and addressing my complaints and Previous Letter From XX/XX/XXXX In response to your letter dated XXXX the XXXX, it is clear in your response that you have zero intention in correcting your mistakes. If you were committed to fixing the errors you have caused, you certainly have had the time. This issue started after you failed to extend my Forbearance an additional XXXX months, XXXX XXXX, till XXXX of XXXX under the XXXX XXXX.…

I called XXXX and told them I was having financial issues and they told me I had to start paying through XXXX XXXX specifically which added XXXX dollars to my payment they set up a payment arrangement okay thats fine but when I made a XXXX dollar payment XXXX for the XXXX XXXX. My payment to them was XXXX and because they only received XXXX due to the fee they said I breached the deal we made and started the foreclosure process. What do I do? Im about to lose my house if feels like a setup.

XX/XX/XXXX : This Trash Cesspool of a Bank is just delaying the inevitable..... Try again please : ) To Whom It XXXX Concern, Because it is apparent that you have failed in researching and addressing my complaints and Previous Letter From XX/XX/XXXX In response to your letter dated XXXX the XXXX, it is clear in your response that you have zero intention in correcting your mistakes. If you were committed to fixing the errors you have caused, you certainly have had the time. This issue started after you failed to extend my Forbearance an additional 3 months, AS REQUESTED, till XXXX of XXXX under the Cares Act. You have had since then to reconcile all mistakes made by your team and adjust ALL balances and PAYMENTS as requested and required to bring the account in balance. You are in ERROR in stating that I transitioned from a Forbearance program and into a Deferral program on XX/XX/XXXX.…

Over several years my mortgage servicer failed to perform required annual escrow analyses, did not provide shortage or deficiency notices, and allowed the escrow account to deteriorate without any communication. The servicer later admitted in writing on XX/XX/XXXX that no annual escrow analysis was performed for years. The first escrow notice in years was issued on XX/XX/XXXX, which I later learned reflected a servicercreated escrow shortage of {$13000.00} and a sudden payment increase of $ XXXX. This shortage resulted entirely from the servicers multiyear failure to monitor and adjust the escrow account. On XX/XX/XXXX the servicer uploaded a second escrow analysis showing a new shortage of {$8200.00} and another change in payment, but still provided no explanation, no remediation, no escrow history, and no documentation supporting its claim that my loan is classified as commercial.…

FORMAL COMPLAINT & AFFIDAVIT OF SYSTEMIC CONSUMER HARM Complainant : XXXX XXXX XXXX Number : XXXX Servicer : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date : XX/XX/XXXX ________________________________________ I. EXECUTIVE SUMMARY : A PATTERN OF REGULATORY ABUSE This complaint documents a willful pattern of negligence, fraud, and regulatory violations committed by XXXX XXXX and its servicer, XXXX Mortgage. Over a XXXX period ( XX/XX/XXXX XX/XX/XXXX ), I have filed XXXX ( XXXX ) formal complaints attempting to resolve these issues. The Bank has responded with evasion, " administrative '' excuses, and continued foreclosure threats, resulting in severe federal harm ( SBA Denial ) and financial injury. II. SPECIFIC VIOLATIONS OF FEDERAL LAW 1. VIOLATION OF RESPA ( 12 C.F.R.…