Consumer complaint received 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (OR)

My mortgage company is Dovenmuehle. After I survived a XXXX and XXXX that left me XXXX and unable to work anymore, I was granted SS XXXX and began renting all extra rooms in my household in order to pay my mortgage. I asked Dovenmuehle to help me with a loan modification twice in XXXX. Each time I was not given any help, and I still don't know why exactly. 

At the end of XXXX I was approached by a company called XXXX XXXX XXXX that claimed to use the Dual Tracking Law in order to negotiate a loan modification with Dovenmuehle on my behalf. On XXXX XXXX I received a document that said that my mortgage company had agreed to consider a lower interest rate and payment for my mortgage. I was also led to believe that the program enabled the government to pay 10 to 20 % off the top of my total mortgage after negotiations had settled. 

I agreed to pay XXXX monthly for their services while my mortgage payment was in forbearance. XXXX assured me that Dovenmuehle could not attempt to collect money from me while I was in forbearance. 

After signing up for their service, on XX/XX/XXXX, I began paying XXXX {$1100.00} per month through XXXX and my bank account. I was told not to communicate with Dovenmuehle by phone or email, and that if Dovenmuehle tried to contact me, i was to forward all information and documents to XXXX for assessment by their attorneys. I was told that it was illegal for Dovenmuehle to contact or harass me about my mortgage while these negotiations were being settled. 

Every time I received an important document from Dovenmuehle, I was required to forward it to XXXX. When these documents began to talk about how far behind I was getting, and foreclosure, XXXX assured me it was being handled by their experts. I am now almost {$20000.00} behind when i could have been paying my mortgage. 

When I tried to make my XX/XX/XXXX payment to XXXX XXXX XXXX, I could not reach anyone by any of the telephone numbers I had been given. I looked up the website and found that it was no longer in service either. That is when I began to see that I had been scammed. What is sad is that I am a XXXX year old XXXX woman who is now looking at losing her home of 15 years. 

I called Dovenmuehle Mortgage and was told to apply for the loss mitigation hardship program a third time. They no longer have any record of my past attempts. I have a whole binder tracking the last time, with notes and documents. This involves sending signed and dated documents of all kinds to them for making a decision. All bank account page statements, signed and dated, and a written and signed explanation of each transaction +- {$500.00}. XXXX and XXXX  tax returns, signed and dated, copies of all utilities since XXXX, hardship letter, proof of income and expenses, all signed and dated. 

It cost me {$1.00} per page to fax 67 pages to Dovenmuehle. Not to mention the second fax consisting of 19 documents I had to send yesterday. And then I am told that some are missing, or not signed and dated. I keep copies of every document sent in a binder with notes. When I refer to the items " missing '', I find that the original document has what was asked for. Then I find notes in the paperwork that Dovenmuehle sent me that I can not upload missing documents through their website if they have already been sent a first time! I have 3 different utility companies, and to print three different statements dating back to XXXX amounts to a lot of pages, which I would presumably have to pay {$1.00} for each page faxed. Ink for printing, paper, and fax costs are hard to afford. 

So, my problem with my mortgage involves two companies. XXXX XXXX XXXX stole my money and put my home in foreclosure status. And Dovenmuehle Mortgage does not seem to want to help me. Or at least, they make it obscenely difficult. I am truly at a loss.