Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I have a mortgage with Dovenmuehle / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in which I do not live. In XXXX my tenants fell behind in rent by several months, but because of Covid eviction restrictions I could not evict. I called DovenmuehleXXXX  in XXXX of XXXX and explained the situation and asked if there were any " programs '' available to me for my situation. They granted me a 3-month forbearance period starting XX/XX/XXXX at the end of which the " skipped '' payments were to be deferred to the end of the loan. Even though I was granted 3 months of forbearance, I skipped only 2 monthly payments at that time. I called DovenmuehleXXXX  and explained that I have resumed payments and requested my new amortization/payments schedule. The response was that my account was " still being reviewed '' and that someone would contact me with my options. I explained that I did not understand because we have already decided on this 3-month covid hardship forbearance/deferral, but they simply told me that I was granted an additional 3 month forbearance/deferral period while my account was being reviewed. I continued with one more monthly payment even though they granted me this extension. I called again towards the end of this second 3-month forbearance/deferral period to ask again what my steps were to complete this deferment and requested my new amortization/payment schedule. The response was the same as the first time I called. They simply explained that my account was being reviewed and that someone will contact me with my options even though I explained to them that my option had already been decided, that the " skipped '' payments would be deferred. Their response was again to offer me another 3-month forbearance/deferment period and that someone will contact me with my options. When the 9-month forbearance/deferment period ended I had " skipped '' only 5 monthly payments, but I started to receive past due balance notices. After countless phone calls the deferment was finally granted on XX/XX/XXXX, but the past due notices continued. I called and explained this error, but nobody could fix it. They then requested that I submit a " Loss Mitigation '' application which I submitted. From that point on it has been a constant cycle of phone calls, foreclosure notices, court dates, them requesting more and more documentation ( pay stubs, tax forms, rental agreements, etc. etc. ) They have tacked on {$4100.00} in legal fees and are continuing with the foreclosure. Even though their lawyers sent to me a notice to appear in court ( for the 3rd time ) on XX/XX/XXXX they did not show up and the judge rescheduled the hearing to XX/XX/XXXX. The boiler now needs to be replaced and my tenants are without heat, but I can not replace the {$13000.00} boiler until the foreclosure has been resolved. Because of this my tenants will need to move out, so now I will lose my rental income. Due to Dovenmuehle'sXXXX XXXX processing errors, this investment will be wiped out. I simple 15-minute phone call back in XX/XX/XXXX when I called could have avoided this entire mess. I am now considering filing a lawsuit if this does not get corrected and resolved before I suffer any more losses due to their errors.

Company response to consumer: Closed with explanation