Consumer complaint received 2018-03-13
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Late XX/XX/XXXX I was about two payments behind in my mortgage. On XX/XX/XXXX I was told my loan was accelerated in XX/XX/XXXX. At the time of acceleration, I was 81 days delinquent. I was told this was not legal. I later received a letter stating this information. This letter also stated foreclosure was proceeding due to my not curing my account. From this date to now, Ive submitted and resubmitted loss mitigation paperwork. I have been repeatedly told I couldnt make any payments, contrary to the statements in the letters mailed to me. In a letter dated XX/XX/XXXX, I was told I had until XX/XX/XXXX to cure my loan or it would be accelerated. Which was perplexing as I had a letter that said this action had already taken place and had been informed on several calls that it was already accelerated. I received a letter stating a face to face meeting was to be setup with a third-party organization. But upon calling my servicer to clarify and schedule, I was told it was not necessary and to disregard. It was not correctly stated in the letter and that unless I needed help completing my loss mitigation paperwork, there was no need for this meeting. However, on XX/XX/XXXX, a man from this business showed up at my door. I opened to hear a very unpleasant conversation between him and a dovenmuehle collections person. They refused to give him any information and I asked for his phone to try to understand what was going on. He wouldnt really speak to me until I took him off speaker. I dont recall verbatim, but my hope is that it was recorded. But essentially I was told there was knowledge as to why he was there. After disconnecting the call, he apologized and thought he was bringing me a loss mitigation application to complete. When I told him my application was submitted on XX/XX/XXXX, he was further confused. 

I was notified on XX/XX/XXXX that my loss mitigation packet was complete and moving to the committee that would review and let me know my options. When I called to follow-up late XX/XX/XXXX/early XX/XX/XXXX, as well as to again broach the payment topic, I was asked if I had spoken to the attorney I asked what attorney and the representative said the foreclosure attorney. It was at this time I learned that while loss mitigation was occurring and I was being barred from payments, they were proceeding with foreclosure. I was further told it was assigned to a foreclosure attorney the day of or after my loss mitigation paperwork was complete and forwarded for review. When I was finally able to speak with the person identified as my primary POC, XXXX, I was told to disregard this info as all foreclosure proceedings are frozen until after the loss mitigation process was complete. And that I would know my options by XX/XX/XXXX. But upon reaching out to HUD and other resources, I was quickly educated on the term dual tracking and the Georgia law against it. In early XX/XX/XXXX, I received a letter that was telling me it was required by law to be sent. It was my default letter making me aware that my loan was late and I was at risk of all the aforementioned actions. I learned that this letter was to have preceded many, if not all, of the others. 

This is a summary of what had transpired over the span of roughly 75 or so days. And as a person who has lived it, its been nothing short of a nightmare. I have a rare combination of XXXX XXXX. They are triggered by XXXX ; the more I am subjected to, the worse I react, rendering my medications nearly helpless. And much of what has happened has caused severe reactions. Due to my XXXX, Im unable to type out every detail. I was told that calls are recorded, though when I request transcripts and copies, Im denied or told that particular call was not recorded.

Company response to consumer: Closed with explanation