Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I took a Covid Forbearance that ended XX/XX/XXXX but was extended to XX/XX/XXXX per Mortgagee Letter XXXX. 

When I contacted the HUD Counselor XX/XX/XXXX I filled out a Loss Mitigation Application and turned all requested documents by XX/XX/XXXX. I was not provided an offer based on the COVID ALM Waterfall Modification. I wasn't given any options period. My Credit was pulled in XX/XX/XXXX and XX/XX/XXXX showing they received my modification. Never got confirmation of the receipt of Application. I was forced to file for Bankruptcy XX/XX/XXXX while my Application was in Review and working with a HUD Counselor .They sold my house anyway. I did get it Vacated ( # 1 ). I turned in a Second Loss Mitigation because they made me start over. I also got transferred to a New HUD Counselor in XX/XX/XXXX. I turned in my Complete Application including recent paycheck stubs on XX/XX/XXXX. They requested more information on the HOA. My HUD counselor turned that in. I also sent a Letter of Intent. According to Dovenmuehle in XXXX and XXXX they couldn't " contact '' me. That is a FALSE STATEMENT. I received letters thanking me of my recent Document submissions until the end of XX/XX/XXXX. Without Notifying me or my HUD XXXX they CLOSED my Application. DENYING MY RIGHT TO AN APPEAL. 

XX/XX/XXXX they sold my home in Auction without any Notices. They were required to provide a new notice since I filed Bankruptcy. I didn't find out until 2 weeks later. I got that Foreclosure VACATED ( # 2 ) also.

At not time did the lender or HUD Counselor bring up any eligibility concerns. 

From XX/XX/XXXX to XX/XX/XXXX I had Notices of " Error of Resolution '' Active and were Not Addressed and NO Corrections were made to the servicing of my Mortgage. While I had these Notices still Active they STILL tried to Foreclose on my Home 4 other times. Knowingly Violating RESPA. 

XX/XX/XXXX 14 Months later the Lender made a Verbal Offer ( PROHIBITED ). Refused to address Servicing Errors and Claimed I DENIED the Offer when I didn't see any paperwork or any corrections made. They Falsified a Report to the Colorado Attorney General during an investigative inquiry stating I Denied Offer when I didn't. I have a recorded Phone Call that Proves " False Statements ''. The Colorado Attorney General DID NOT take Action although that is a Felony. 

I had Mediation XX/XX/XXXX. Dovenmuehle Mortgage Inc still has not Corrected any Errors and are making an Offer that isn't what I was told I'd get when I took the Forbearance. Instead of reinstating my Mortgage in XX/XX/XXXX they waited until the interests rates were higher and they make more money. 

In FACT they Filed the NED, Notice of Election and Demand for Foreclosure before ALL LOSS MITIGATION OPTIONS WERE EXHAUSTED and I could Exercise MY RIGHT to an Appeal being that I have a FHA Mortgage. 

XX/XX/XXXX I have a Rule 120 hearing. That still DOES NOT give me any Rights to hold the Lender responsible for their Deceptive Lending Practices. 

Every Mortgage that was in Forbearance can be considered in Default. Every Mortgage exiting Forbearance REQUIRES a modification. That Does Not give them the right to Foreclose on my Home if they are breaking laws and Breaching regulations and protocols. 

For THIS REASON is WHY I am Contacting the CFPB. The CFPB is an Agency that was made to Protect Consumers from Deceptive Lending Practices and Fraud.

The Colorado Housing and Finance Authority and Dovenmuehle Mortgage Inc have Breached HUD Mortgagee Letters, Regulations and Protocols. They have inclued but not limited to Violated RESPA, FCDRA, False Claims Act, and are guilty of Conspiracy to Commit Foreclosure Fraud.

Company response to consumer: Closed with explanation