Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have been attempting to seek mortgage assistance from my mortgage servicer, Dovenmuehle Mortgage Servicing via XXXXXXXX XXXX XXXX  ( my lender ) since XX/XX/XXXX, as I temporarily encountered economical hardships including temporary XXXX due to XXXX for possible XXXX XXXX, contentious divorce and custody issue with stalking behaviors by my ex-spouse, serving as caregiver for close family member who passed away XX/XX/XXXX, from XX/XX/XXXX, through XX/XX/XXXX. I am trying to maintain a stable and peaceful abode as a single mother of a very young boy all while working as a physician serving members of our under community in the XXXX XXXXXXXX. I have made a myriad of calls and submitted multiple loss mitigation applications ( XXXX XXXX and they have all either been denied stating that I had the ability to pay for my mortgage despite me meeting the criteria for assistance or that I have submitted insufficient information. I have even had XXXX loan XXXX, XXXX XXXX, personally berate me, telling me that am not managing my finances properly and despite my circumstances I should be able to make payments as he was preparing to deny my application request. XXXX XXXX further stated that I should and could just " short sale '' my home, despite my protests. This was in XX/XX/XXXX. 

During XXXX of my application processes, I was given guidance by representative XXXX, XXXX XXXX, on the specific verbiage to include in my application to have my request granted. This was XXXX XXXX, XXXX. As I followed up the status several weeks later, I spoke with XXXX XXXX again and even she escalated my issue as she stated I should have received some sort of response. 

I had not received any information regarding the escalation or even a decision then either. 

In my application, I stated that I would be able resuming mortgage payments on XX/XX/XXXX, and had begun to do soon on that day. My payments of {$5500.00} were accepted from that day forward. However, on XX/XX/XXXX, the mortgage servicer refused my payments stating that I was under foreclosure. However, I never received any certified documents, Notice XXXX Default, or any other information regarding foreclosure despite several telephone calls. I did eventually receive a letter from XXXX XXXX XXXX stating that foreclosure attorney had been assigned to my case- this was in XX/XX/XXXX. 

I have enlisted the assistance of Attorney XXXX XXXX via XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX, who both attempted to intervene on my behalf to no avail. Attorney XXXX sent letters via certified mail as recently as XX/XX/XXXX, requesting that he be contacted to negotiate an agreement, however, these requests have also been ignored. 


My most recent XXXX submission XX/XX/XXXX was denied in addition to the appeal I submitted on XX/XX/XXXX, XXXX, despite providing sufficient evidence to substantiate my request. These denials are generic without stating specifics and no single point of contact from the mortgage servicer has reached out to speak with me, Attorney XXXX or XXXX to discuss additional recourse. 

Not to mention, my credit is adversely impacted to the point where my purchasing power has begun to languish as a result of negative reporting to several credit reporting agencies.

It is almost as Dovenmuehle is finding reasons to not approve my request for assistance. 

I have attached the number of dates my XXXX requests have been submitted for your review along with my XXXX. I have additional documents available upon request, including email correspondences sent to Dovenmeuhle synopsizing discussions with them regarding my requests for assistance as I have been documenting these encounters. 
If you review Dovenmuehle reviews on XXXX, you will see other very negative reviews as other patrons have experienced hardships and met with poor customer service and outcomes.

Company response to consumer: Closed with explanation