Consumer complaint received 2022-02-25
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im a XXXX veteran who informed XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle Mortgage, as early as XX/XX/XXXX that I was in forbearance with XXXX XXXXXXXX XXXX  while my loan was being transferred to Dovenmuehle, which is XXXX XXXX XXXX XXXX XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXXXXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the XXXX and XXXX credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to XXXX XXXX XXXX XXXX Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX. 

Please see the attached proof from my credit reports showing XXXX XXXX XXXX  or its loan servicer, Dovenmuehle Home Mortgage reporting that Im delinquent or past due in making mortgage payments. Please also see my XXXX XXXX XXXX Forbearance Letter, and my bank statements that show I was not delinquent in making any mortgage payments to XXXX XXXX XXXX before the loan was transferred to XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle Home Mortgage.

I have exhausted all my efforts trying to resolve this problem. I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My current mortgage company, XXXX XXXX Mortgage, has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXXXXXX XXXX  from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXXXXXX XXXX to XXXX XXXX XXXX 

XXXX XXXX mortgage does not treat Veterans fairly since they continue to wrongfully report to the credit bureaus that Veterans do not pay on time and that they are past due in making mortgage payments. Moreover, in the year and half that Ive been asking XXXX XXXX XXXX to correctly report my mortgage payment history, I could have had a 2.2 interest rate instead of my current 3.25 interest rate and saved a lot of money. 

Today, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX is continuing to sabotage my credit rating by reporting to XXXX and XXXX credit bureaus that Im 30 days or not more that 2 months past due. XXXX XXXX XXXX  has cost me a lot of money and a lot pain and agony. On XXXX XX/XX/XXXX, I received alerts from XXXX and XXXX credit bureaus that XXXX XXXX Mortgage is erroneously and wrongfully reporting that Im past due in making my mortgage payments. Again, I have always made my mortgage payments on time. 

XXXX XXXXXXXX XXXX  and its loan servicer, Dovenmuehle, persist on reporting the Department of Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, will not follow the laws and rules. 


It is obvious to me that XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, do not care to follow the forbearance rules and blatantly do not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX and its loan servicer, Dovenmuehle, have proven that they both plan to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX and its loan servicer, Dovenmuehle, are not fair to Veterans and it is not a Veteran-friendly mortgage servicer. 


My date of last activity for mortgage payments was paid to XXXX XXXXXXXX XXXXXXXX  on XXXX XX/XX/XXXX. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 


Moreover, XXXX XXXXXXXX XXXX  and its loan servicer, Dovenmuehle, forbearance policies informs that there will not be any negative reporting. XXXX XXXXXXXX XXXX and its loan servicer, Dovenmuehle, are also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX and its loan servicer, XXXX, unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN FOUR PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/XXXX. 


Please remove Amount Past Due : {$19000.00}.

Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.

Please see the attached proof from my bank showing that payments were made on time and never late, my XXXX XXXX XXXX Forbearance Letter, and my credit report from XXXX and XXXX. Thank you.

Company response to consumer: Closed with explanation