Consumer complaint received 2018-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

RE : Short Sale of XXXX XXXX XXXX # XXXX XXXX XXXX, MD XXXX ( Condo ) Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Assigned POC : XXXX XXXX XXXX XXXX or ( XXXX ) XXXX office Dovenmuehle hindering Short Sale process, but yet threatens Foreclosure I desperately need help with dealing with Dovenmuehle, and the looming threat of foreclosure on the above listed property. I have lost one potential buyer already due to Dovenmuehle, and I about to lose another potential cash buyer for the condo due to Dovenmuehle being insistence on information I do not have or simply has nothing to due with the property listed above. I purchased the condo in XX/XX/XXXX, well before the housing market crashed, so needless to say, I am under water and owe more than what it is worth. I purchased the condo for {$110000.00}, but it is currently only being appraised around {$65000.00}, putting it underwater by {$20000.00}. I have tried in the past to get a re-fi to no avail, but could not since my monthly payment wasnt high. Loan Number XXXX. 
I have had problems with Dovenmuehle since they took ownership of my mortgage which originated with XXXXXXXX XXXX. I have made multiple complaints over the years concerning Dovenmuehle to the Consumer Financial Protection Bureau ( www.cfpb.gov ) Maryland State Attorney General Office website http : //www.marylandattorneygeneral.gov/, and once or twice to the XXXX XXXX XXXX to no avail. All Dovenmuehle ever does is send correspondence saying that they are either complying or making adjustment and corrections, when they are really not doing any of that.

I kept my mortgage paid up 4 months or more in advance. I would pay extra on my monthly mortgage payments, but yet and still Dovenmuehle would send letters not reflecting any of it. Dovenmuehle would also send me  Escrow Account Statement, reporting that I owe money to the Escrow Account, which I found hard to believe because I had always paid in advance, paid extra monthly as well. Dovenmuehle was never actually able to explain that. I have complaint on Dovenmuehle for the last three to fours years to no avail. I feel that Dovenmuehle refusal to move forward with the short sale process, threatening foreclosure instead, is their way of retaliating against me for making complaints on them over the years. It makes no sense for Dovenmuehle not to move forward and continue to hinder the short sale process. 
There was also the issue of crime, health, and personal safety that came to light. After the housing market crashed of XXXX, investors scooped up condo units for next to nothing, and starting renting them out to any and everyone without even doing background checks / credit checks. A drug dealer and his girlfriend moved in and rent unit XXXX in XXXX. Drug transactions, fights, shooting, and crime soon followed. A bullet came through my neighbors sliding glass door, through their wall, and into my unit as well in XXXX, which is on record with XXXX XXXX Police Department. The same happen with the rental of unit XXXX, and unit XXXX. There was constant traffic day and night, smell of XXXX everywhere, as well as prostitution. My car was vandalized and all four tires taken in XX/XX/XXXX. All this took its toll on my rest, safety, health, and sleep, so I moved out a couple of months afterwards. No one should have to live somewhere they no longer feel safe. The XXXX XXXX Police was constantly in and around the building, but very little progress was made. 
I have had two Realtors, who have attempted to sell my condo at XXXX XXXX XXXX, and both encountered issues with Dovenmuehle. Both Realtors can attest to everything that I am reporting to you to be true. First Realtor XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX cell XXXX. Current Realtor is XXXX XXXX cell XXXX with XXXX XXXX XXXX XXXX office number XXXX. Realtor XXXX XXXX has sent the completed Loss Mitigation package a number of times to no avail, as did Mr. XXXX as well. 
I also recently had major XXXX and was out of work for a month in XXXX. I am still in the process of healing. The extra add stress that Dovenmuehle has taken me through has hinder my healing process and cause undue emotional mental distress. Dovenmuehle is well aware of my hardships, and yet and still refuse to move forward with the short sale. I have drained my savings having to still pay a condo fee and utilities for a place I no longer reside due to safety and health concerns. I can not no longer continue to pay condo fee, utilities, and taxes for XXXX, while trying to pay medical bills, get prescriptions, and maintain where I am currently at now. I have had friends come by to cook, cleans, and check upon me from time to time. I am trying to get back to normal, but the process is slow going, and it does not offer a good reason for Dovenmuehle to continue to hinder the short sale process. The short sale progress began in late XXXX early XXXX. We are now in XXXX. This is ridiculous and makes no-sense. 
Something is just not right with Dovenmuehle. They need to be investigated, audited, and closed down. 
Please advise or help me on what I can do to move things forward, without things going into foreclosure. Thank you in advance. 
Sincerely, Mr. XXXX XXXX XXXX