Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I am filing this complaint because my mortgage servicer, Dovenmuehle Mortgage, appears to have moved my loan into active foreclosure status despite its own records showing that my loss mitigation application was approved on XX/XX/XXXX, and despite my never receiving the approval letter or trial payment terms. My lender is XXXX XXXX XXXXXXXX. My servicer is Dovenmuehle Mortgage. My loan number ends in XXXX. The property is my home at XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX, where I live with my XXXX year old daughter. I fell behind on my mortgage and contacted Dovenmuehle Loss Mitigation. In late XX/XX/XXXX, Dovenmuehle mailed me a borrower response package. I completed the package and mailed it back in the first days of XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle generated and mailed two documents. One document, XXXX, stated that my loan had been transferred to XXXX XXXX XXXX for foreclosure action. The other document, XXXX, was a Notice of Acceleration. Paragraph nine of XXXX expressly states that if a complete borrower response package has been submitted, the foreclosure process will not proceed unless the application is denied and any applicable appeal period has expired. I received those documents around XXXX XXXX XXXX XXXXnd relied on that written representation in good faith. On XX/XX/XXXX, I logged into my Dovenmuehle online portal and discovered that my loan showed a status of FORECLOSED and LOAN NOT AVAILABLE. I immediately called Dovenmuehle Loss Mitigation. During that call, which began at approximately XXXXXXXX XXXX and lasted approximately 40 minutes, the Dovenmuehle representative confirmed, after checking with her supervisor, that Dovenmuehles system reflects that an approval was granted on my loss mitigation application on XX/XX/XXXX. The representative also stated that an approval letter containing trial period payment information was mailed to me on XX/XX/XXXX. I never received that letter. I received no phone call, no email, no portal alert, and no other notice of any approval or payment requirement. I therefore had no knowledge that any payment was due and had no opportunity to make one. The representative further stated that she could not locate my original XX/XX/XXXX application or my hardship statement in the system, despite the system showing that a XX/XX/XXXX approval existed. That makes no sense. A XX/XX/XXXX approval could not have been generated unless my application and hardship information had been received and reviewed. I emailed Dovenmuehle on XX/XX/XXXX, documenting the above facts and requesting clarification, reinstatement of the approval, copies of my original application and hardship statement, and written confirmation that foreclosure activity was on hold. I received no response for fourteen days. On XX/XX/XXXX, I sent a follow-up email to Dovenmuehle again requesting an immediate written Regulation X compliant response. I also contacted XXXX XXXX XXXX and demanded confirmation that all foreclosure activity is suspended pending Dovenmuehles written response and reconciliation of the loss mitigation file. I believe this raises serious mortgage servicing and Regulation X concerns. Dovenmuehles own system shows that a XX/XX/XXXX loss mitigation approval existed. Dovenmuehle then allegedly mailed an approval letter on XX/XX/XXXX that I never received, provided no other notice, allowed the approval to lapse based on payment terms that were never effectively communicated to me, and then moved the loan into foreclosure status. Dovenmuehle can not fairly claim I rejected or failed to perform under a loss mitigation offer that was never effectively provided to me. This is also inconsistent with XXXX paragraph nine, which told me in writing that foreclosure would not proceed if a complete borrower response package had been submitted unless the application was denied and any applicable appeal period expired. Dovenmuehles system shows approval, not denial. I am requesting CFPB assistance to require Dovenmuehle Mortgage to provide a written response and resolve this matter immediately. This is not my first documented loss mitigation servicing issue involving this loan. In XXXX, I filed a CFPB complaint after XXXX XXXXXXXXDovenmuehles loss mitigation process was mishandled during a prior workout/deferment process. That prior issue involved erroneous modification documents, repeated escalations, an impossible demand for a quitclaim deed even though my ex-wife was not on the deed or title, and delays that pushed me beyond a deferment window through no fault of my own. That prior CFPB complaint was necessary to obtain meaningful servicing attention and ultimately led to resolution through deferment. The present issue appears to repeat the same pattern : Dovenmuehles own records show loss mitigation activity and approval, foreclosure pressure continues, and written borrower requests are ignored until regulatory complaint pressure is applied. Requested resolution : Immediate written confirmation that all foreclosure activity through XXXX XXXX XXXX is suspended. A copy of the XX/XX/XXXX loss mitigation approval reflected in Dovenmuehles system. A copy of the alleged XX/XX/XXXX approval letter and proof of mailing. A copy of my original XX/XX/XXXX loss mitigation application and hardship statement. Written confirmation of exactly what type of assistance was approved on XX/XX/XXXX. Reinstatement of the XX/XX/XXXX approval with a new first payment date, or a written Regulation X compliant explanation identifying the exact legal and factual basis for refusing to do so. Confirmation that Dovenmuehle will evaluate my requested relief as forbearance followed by deferment of accumulated arrears to the end of the loan. I am not seeking a loan modification at this time. Written explanation of why my account was placed into FORECLOSED / LOAN NOT AVAILABLE status despite Dovenmuehles own records showing loss mitigation approval. I have substantial equity in the property and am actively working to resolve the arrears, including through the sale of an asset. I am not walking away from the property. I am asking that Dovenmuehle honor its own written representations, correct its servicing record, halt foreclosure activity, and provide a complete written response.

Company response to consumer: Closed with explanation