Consumer complaint received 2022-11-15
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out earlier about this same issue and the mortgage lender failed to resolved the issue and have committed multiple RESPA and Fair Lending Act requires. The lender Dovenmuehule I entered XXXX forbearance which expire XX/XX/2022, prior to the expiration of the forbearance the lender failed to make live contract and required to me to make a lump sum payment in order to avoid foreclosure even though I have an FHA loan XXXX I filled out the loss mitigation paperwork and they failed to acknowledge the receipt of the application and documents requested for the past 9 months and for at least XXXX different document request. Furthermore, they did not review the documents in a timely manner to figure out if they required more document they would wait until less then a week before the 60 days to request additional documents, making it so I had to reapply for loss mitigation multiple times. The lender also requested the same documents multiple times, including proof of XXXX XXXX  even though it was not require per CARES Act legislation. While I had an active loss mitigation request, they dual tracked and initiated the foreclose even though the mortgage lender was made aware that I was working with Florida 's XXXX  to cover past due. Overall, from XX/XX/2022 until XX/XX/2022 they failed to review my applications and the documents for loss mitigation in a timely manner, because they had decided that they did not want to work with me and had decide to foreclosure because I was unable to pay the lump sum. In XX/XX/2022 they received XXXX for the majority of the past due, it would have been the entire amount but FL XXXX said they tried multiple times to contact and waited on hold XXXX ( another problem I had with lender. Additionally even though they received the XXXX funds to cover all but {$3000.00} of the XXXX forbearance arrears, all but refused until the XXXX time I call ( which I was never assigned a specific person I could reach directly ) and told XXXX different things until they were finally able to take my mortgage out of foreclosure when they received notice that in addition to arrears I was also approved for forward payments. This is all while they kept closing my loss mitigation application and continuously requesting the same documents even though they had been submitted multiple times. In XX/XX/2022, I was provided notice on their loss mitigation portal ( not in the mail ) that my application was complete. I did not hear for loss mitigation about the modification, nor that they were waiting on additional documentation that was out of their until day ( way longer then the statutory 30 day ) when I received a letter dated XX/XX/XXXX denying me for XXXX loss mitigation ( even though I AM qualify ) saying that I failed to accept an offer ( that I NEVER received ) or documents ( which were NEVER request since XX/XX/2022 ) and XXXX only giving me 14 days to appeal from XX/XX/XXXX ( even though I did not receive notification until of this decision that has been made with fraud XX/XX/2022 ) I am so frustrated, and I feel like they are XXXX  again me with an XXXX loan XXXX because they know they are not going to be held accountable and they will be foreclosure to get rid of me. I know I am not alone in my experience with XXXX, I feel like they are taking advantage of those with XXXX, because those are the one who are usually unable to afford the cost of litigation to take them to court to hold them accountable for their reckless disregard to RESPA and Fair Lending Act requirements. Additionally, I also feel like they are purposely doing this because a modification back in XXXX ( when my application was actually completely, and they began requesting the same documents over an over ) would have had a significantly amount lower interest rate that now since the Federal Reserve began aggressively rising interest rates, the longer they put off modification ( unless they foreclose which the property value is twice the amount then what is due on the mortgage ) is the more money on interest they are able to collect.

Company response to consumer: Closed with explanation