Consumer complaint received 2023-10-05
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
After I was compelled to make two previous CFPB portal complaints about Dovenmuehle and XXXX XXXX the owner, they, albeit supposedly all by coincidence and " accident '' : a ) waited awhile, then misapplied a Federal, ( XXXX XXXX XXXX XXXX ), COVID relief payment intended to pay back my COVID deferred mortgage payments, instead applying it to the 1st principal balance and leaving the COVID deferred " piggyback '' loan intact, causing considerable emotional distress.After I emailed CFPB XXXXounsel and USDOJ directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the action. 
b ) bounced my regular monthly mortgage payment via XXXX XXXX, for the first time in 16 years, causing considerable emotional distress.Again, after I emailed CFPB counsel and USDOJ directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the action. 
c ) coded multiple historical false " late pays '' into specifically my XXXX account. XXXX then appeared to be complicit with XXXX, disallowing me from going back far enough chronologically to address these in the XXXX webportal XXXX process. Dovenmuehle also claimed I had bounced one check in the past in 2020, then claimed I mysteriously paid a XXXX dollar late fee in XXXX odd installments ayear or two afterwards. After I emailed CFPB counsel and USDOJ and XXXX XXXX directly, outside this portal, copying Dovenmuehle, XXXX and his staff appeared to relent and reversed the late pays at least in part, quickly " wiping '' some or all of the late pays. 
To be sure it was cleared up however, I sent Dovenmuehle multiple emailed requests to, in language easily understood by the least sophisticated debtor and transmitted via email with metadata or via other form which would hold up legally, just : XXXX simply confirm, ( regardlessof credit reporting ), that no alleged late pays are still on the account potentially waiting to be charged to me upon any attempt in the future to pay off the mortgage or refinance to escape Dovenmuehle 's clutches. ( If there are still alleged late pays recorded on the account, I asked that Dovenmuehle provide information as to the months, the name of the bank ( s ) and account # 's through which I eventually made late payment corresponding to each alleged month, and dates and the electronic payment numbers corresponding to those payments. Likewise for the late fee payments if any are alleged to exist. ) I asked for this of course in plain english " non-accountant '' language that any lay person could understand, not accountant gobbly-gook or copy of an indecipherable ledger. 
Same with their allegation of a single bounced check as alleged in their attached XXXX letter. I asked for : 2. banking institution name and account #, the payment number, and date of the alleged late payment made because of alleged returned check, as alleged in their attached XXXX  letter, and the 3. banking institution name and account #, the payment numbers and the dates of thepayments of the two alleged late fees, as alleged in their attached XXXX letter.I asked for this of course in plain English " non-accountant '' language that any lay person could understand, not accountant gobbly-gook or copy of an indecipherable ledger. 

XXXX and Dovenmuehle sent back a letter by XXXX  ( attached ), which evaded the requested information, and send other likewise obfuscating evasive responses by their inadmissible " XXXX '' messaging system which don't confirm that no alleged late payments still exist, ( or not ), and don't name the : banking institution name, the payment number, and date of the alleged late payment made because of returned check, as alleged in their attached XXXX letter, northebanking institution name, the payment numbers and the dates of thepayments of the two alleged late fees, as alleged in their attached XXXX  letter. 
The message I am getting from XXXX and his staff is ; " if, you fle CFPB complaints, we will mess up your account and give you XXXX '' I would like a response from them regarding XXXX above.

Company response to consumer: Closed with explanation