Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

The mortgage company charges interest and penalties for Covid -19 period, refusing to disclose and provide to me my mortgage statement. 

I filed XXXX XXXX bankruptcy on XX/XX/XXXX, and immediately my mortgage company stopped sending monthly mortgage statements and consequently denied me all access to my mortgage information on their website. This prevents the electronic mortgage payment access I have used since they bought over my account from my previous mortgagee. On inquiries, I was told it is their procedure until when I am duly discharged from bankruptcy ; then, my access will be restored. I continuously and consistently made my timely mortgage payment electronically every month from XX/XX/XXXX to date from my primary bank, XXXX XXXX XXXX. On discharge from XXXX XXXX  bankruptcy in XXXX of XXXX, I approached my mortgage company, Dovenmuehle, for direct access to my mortgage information but was denied. 

In XXXX XXXX  XXXX, I lost my job due to the Covid- 19 and was unable to make my mortgage payment. I immediately contacted my mortgage company, Dovenmuehle. They sympathized with my job loss and advised me to keep them updated on my financial Information. I recovered financially and resumed payment in XXXX XXXX  XXXX, and I have made my monthly mortgage payment consistently and on time to the present monthly. 
In late XXXX XXXX  XXXX, I called the mortgage company to inform them beginning from XX/XX/XXXX, I plan to resume my mortgage payment, and its easier and more convenient for me to make my payment electronically directly on their website. I was told to have access to direct electronic payment, and I have to bring to account updated. There are two options to doing that. I can agree to their Loss Mitigation term, which will bring the unpaid amount during the Covid -19 months to the front of the loan. Instead of this loan term ending in XXXX as originally stated. It will now end in XXXX. Or pay off the {$21000.00} balance now. I asked how the total mortgage payment for 12 months amounted to {$21000.00}. My mortgage payment is {$1000.00}, and when multiplied by 12, it equals {$12000.00}. I requested to know what constituted the {$8500.00}, which is the difference between what I believed I owed for 12 months and their calculation. A federal moratorium states that mortgage companies or institutions should not charge late fees or penalties for unpaid mortgage payments during the Covid 19 epidemic period. Every effort made to get Dovenmuehle mortgage company to provide to me as a consumer the detailed itemized statements that will show and reveal the discrepancies in the amount outstanding for this period in question have failed. I am requesting your assistance to compel than to provide to me as a consumer on what constitutes the {$21000.00} because that is {$8500.00} more than what I owe. The issues I need help resolving with the mortgage company are ; 1. I need a statement disclosing how they came to the conclusion that I owe {$21.00} XXXX to bring the mortgage up to date. 
2. Why all the mortgage payments made since XX/XX/XXXX has not been credited to my account. 
3. Why have they continued to deny me access to my mortgage statements online and my ability to pay my mortgage payment electronically on their website since I have be