Consumer complaint received 2020-04-13
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am one of the millions of Americans that have been devastated financially by the Covid 19 crisis. I contacted my mortgage company Dovenmuhle Mortgage at the start of all this crisis and to date I have not been able to get any assistance whatsoever. 

They refuse to answer calls they have a voice mail referring their customers to a website that is conveniently not functioning. If you get a represenative they hang up on you. I was told by a representative a few weeks back that I qualify for some forebearnce program ( terms unknown ) and I should be receiving information by mail. This was weeks ago this letter never came, meanwhile my mortgage is due. I have found out many banks are offering a forebearance program where the money is not due as a huge balloon payment at the end of the forebearnce a/ balloon payment that would surely send millions of Americans into foreclosure and devistate our economy. 

Some banks are tacking missed payments on to the end of the mortgage and lowering interest to help people in need. It seems Dovenmuhle chooses to go in another direction opting for the inhumane route. They appear to be using a catastrophe to their advantage. A way to foreclose on properties and clean up when the smoke settles. Below is the last email I had sent them. Please Help me. 


XX/XX/2020 Dovenmuehle Mortgage Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Loan # XXXX To Whom This May Concern : I have written countless emails, sent letters, and have made many calls to your loss mitigations department that conveniently is not taking calls and referring people to a website that is not functioning XXXX When you input your information it does not recognize you. I have spent hours on the phone with the technical assistance number listed on the page who blames Dovenmuehle for not verifying the information. The same information that I give to your representatives over the phone who have no problems with any of it. The same information used in paying my mortgage every month. 



Currently my mortgage is in good standing and all along I have had a good history with Dovenmuehle. I have written letters, tried to register on your website that does not function properly, spent countless hours on the phone with technical support, made many phone calls and all Ive been told by a phone rep is I was granted a forbearance. Pausing my mortgage payments for 3 months, 6 months or an entire year then demanding full payment at the end of the forebeance is not a solution. If this is what you have set me up for, I am doomed to be foreclosed on because I will not be able to make a balloon payment at the end of the forbearance period. I am asking for one of two options, a significant reduction in interest ( loan modification ) or the missed payments to be tacked on to the end of the mortgage. 


This is the only real solution. I am hoping you will do the right thing and offer a real solution that I can live with. Please let me know as soon as possible as the stress of worrying about my mortgage is causing me health concerns. I need an answer immediately and I need your help! If I do not get any satisfaction or a prompt reply I will file a complaint with the CFPB Sincerely, XXXX XXXX Loan # XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation