Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
FORMAL COMPLAINT & AFFIDAVIT OF SYSTEMIC CONSUMER HARM Complainant : XXXX XXXX XXXX Number : XXXX Servicer : XXXX XXXX  XXXX XXXX XXXX  XXXX ( XXXX ) Date : XX/XX/XXXX ________________________________________ I. EXECUTIVE SUMMARY : A PATTERN OF REGULATORY ABUSE This complaint documents a willful pattern of negligence, fraud, and regulatory violations committed by XXXX XXXX  and its servicer, XXXX Mortgage. Over a XXXX period ( XX/XX/XXXX XX/XX/XXXX ), I have filed XXXX ( XXXX ) formal complaints attempting to resolve these issues. The Bank has responded with evasion, " administrative '' excuses, and continued foreclosure threats, resulting in severe federal harm ( SBA Denial ) and financial injury. 
II. SPECIFIC VIOLATIONS OF FEDERAL LAW 1. VIOLATION OF RESPA ( 12 C.F.R. 1024.41 ) : ILLEGAL " DUAL TRACKING '' The Fact : While I am actively performing under a specific Loss Mitigation Trial Period Plan, the Banks counsel ( XXXX XXXX XXXX XXXX XXXX ) has continued to advance foreclosure activity and assess legal fees ( {$2100.00} ).

The Law : Moving for foreclosure judgment or assessing foreclosure fees while a borrower is in an active loss mitigation agreement is a direct violation of RESPAs " Dual Tracking '' prohibitions.

The Harm : This creates unnecessary legal costs and threatens the borrowers home despite compliance with repayment terms.

2. FEDERAL HARM & FALSE CREDIT REPORTING ( FCRA VIOLATION ) The Fact : The Bank admitted to an " administrative oversight '' regarding the failure to properly code my account for Disaster Relief. However, they failed to rectify the credit reporting consequences of this error. 
The Proof : On XX/XX/XXXX, the U.S. Small Business Administration ( SBA ) formally denied my Disaster Recovery Loan, explicitly citing " expiring forbearance '' and " delinquency '' reported by the Bank. 
The Harm : The Banks clerical error directly stripped me of federal recovery funds needed to repair my uninhabitable home, compounding the default. The Bank continues to cite a separate XXXX denial to obscure this fact. 
XXXX. ILLEGAL " FEE PYRAMIDING '' & MISAPPLICATION OF FUNDS The Fact : In XX/XX/XXXX, the Bank failed to process my proactive Standard Hardship request and assessed illegal late fees. 
The Theft : On XX/XX/XXXX, I submitted a payment of {$3300.00} intended for my Trial Plan. The Bank misapplied these funds to satisfy the disputed XX/XX/XXXX fees instead of the active Trial Plan.

The Harm : This manufactured a " default '' on the Trial Plan, allowing the Bank to accelerate foreclosure. Using a borrowers mortgage payment to pay disputed late fees is a predatory practice known as " Fee Pyramiding. '' 4. UNFAIR & DECEPTIVE ACTS ( UDAAP ) : THE " JUNK FEE '' TRAP The Fact : In XXXX XXXX, the Bank revoked my online portal access, preventing standard payments.

The Trap : This forced me to use the " Pay-by-Phone '' system, for which the Bank charged a " Convenience Fee. '' The Violation : Charging a fee to use the only available payment method ( after disabling the free one ) is an Unfair Act under the Consumer Financial Protection Act ( CFPA ).

III. EVIDENCE OF EXHAUSTION OF REMEDIES I have attempted to resolve this through administrative channels repeatedly, to no avail. The following CFPB case history proves the Banks refusal to correct these errors : XX/XX/XXXX ( Case XXXX ) : Open / Unresolved. 
XX/XX/XXXX ( Case XXXX ) : Referred to FDIC ( Regulator ) due to severity. 
XX/XX/XXXX ( Case XXXX ) : Closed/ Failed Response. 
XX/XX/XXXX ( Case XXXX ) : Closed/ Failed Response. 
XX/XX/XXXX ( Case XXXX ) : Closed/ Failed Response. 
XX/XX/XXXX ( Case XXXX ) : Closed/ Failed Response. 
XX/XX/XXXX ( Case XXXX ) : Closed/ Failed Response.

IV. RELIEF DEMANDED 1. Immediate Stay of Foreclosure : Cessation of all legal activity and removal of the {$2100.00} in legal fees.

2. Credit Correction : Retroactive suppression of all negative credit reporting from XX/XX/XXXX XXXX, coded correctly as " Disaster Deferment. '' 3. SBA Rectification : Issuance of a corrective letter to the SBA acknowledging Bank error to reinstate loan eligibility.

4. Fee Refund : Refund of all " Phone Pay '' fees and reversal of all late fees assessed during the ignored hardship period. 
XXXX. Disaster Refinance : Immediate processing of a XXXX XXXX ChoiceRenovation or FHA 203 ( h ) loan to fund the repairs stalled by the Banks negligence.

Company response to consumer: Closed with explanation