Consumer complaint received 2023-07-15
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the XXXX program in XXXX, my servicer/lender denied that they ever heard about this federally funded program to help people who are going through foreclosure, it took them 2 months to respond to XXXX because I continually called them everyday, then when they agreed that they heard of the program, the amount that they submitted was way over the amount that was actually owed, so that I would not qualify. Calls to loss mitigation, continued to agree with the amount of my statement,XXXX  calls to loss mitigation with an acknowledged witness on the line, with the initials and extensions of people I spoke to gave a consistent amount, yet what they stated to XXXX continued to be figure always above what my statement and what I was told. This was deliberately done, so I would not qualify. Currently, the lender has a class action lawsuit against them for predatory lending, and I firmly believe that they are working together, as this lender has foreclosed on so many homes, they stand to gain more than the money that XXXX will pay. They lied and said that I had not paid my mortgage since XXXX yet proof that I was in XXXX XXXX and they received money from me over {$22000.00}. through the bancruptcy court. Requests asking for a supervisor to return my call after XXXX calls were never received. Loss mitigitation, agreed, that the amounts they quoted to XXXX was incorrect, there were multiple charges that were unapplied, that they refused to apply, which if they had applied would paint a different picture, they never sent me a statement for many months after I applied for the grant, they made it impossible to see what they applied, I ended being denied for the grant. Even though during the applications process all foreclosure proceedings were supposed to be put-on hold, they continued to threaten, added over {$7000.00} in forecclosure fees, even though no foreclosure took place, unoccupied property fees of {$300.00}, property inspection fees no one has inspected the property, it is a deliberate attempt to steal my home, they continue to report the amounts owed differently depending who they are reporting it to, the loss mitigation dept. gives one amount, the statement when I last got one gives another amount, then the give XXXX another amount. I finally applied for XXXX XXXX the proof of claim is another amount, way less than what they gave to XXXX. I got no statements for months, one in XXXX which quoted an amount under what XXXX would accept, the proof of claim reflects the same numbers as if they never received any money from the bancruptcy court, my lawyer claims the {$22000.00} or more was eaten up in fees and interest. The last statement received was XXXX XXXX, no statements since then until XXXX I had almost {$5400.00}. unapplied, no proof that it was applied, I filed the XXXX XXXX in XXXX, the meeting with the trustee was in XXXX XXXX, I made 3 mortgage payments, if you add the {$5400.00}. unapplied amount, my next mortgage payment should be XX/XX/XXXX, after receiving no statement since XXXX, I get my first statement, from them in XX/XX/XXXX saying that I owe {$7800.00} in post petition payments, proof and documentation, can back up my statements. Companies should not be allowed to operate this way. Not to mention that they are currently holding an insurance check for water damage, because I am behind they can do this, is their claim, if they feel this way, they are free to employ a contractor to do the repairs, the conditions surrounding this issue, is another problem. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation