Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
The Core Violation : Disaster Hardship Misclassification The bank admitted to an " administrative oversight '' where they failed to categorize your hardship as " disaster-related '' from XX/XX/XXXXXXXX  through late XXXX. This oversight is particularly damaging because it : * Blocked SBA Recovery Funds  : This misclassification was the direct cause of the SBA denying your disaster loan reacceptance, as you could not provide proof of a long-term disaster recovery plan approved by the servicer. 
* Eliminated Disaster-Specific Protections : By treating the loan as a standard delinquency rather than a disaster-related one, the bank denied you access to XXXX XXXX 's Disaster Payment Deferral programs, which are designed to support displaced homeowners. 
Creating Despair and Vulnerability This administrative failure leaves homeowners in a cycle of " despaired vulnerability '' through several compounding factors detailed on the screen : * Dual Tracking During Loss Mitigation : Despite having an active Trial Period Plan with the first payment due on XX/XX/XXXX, the bank 's counsel, XXXX XXXX XXXX XXXX XXXX, sent a foreclosure mailing on XX/XX/XXXXXXXX XXXX XXXX This creates a state of perpetual fear that the home will be lost even while the owner is complying with the bank 's terms. 
* Mathematical Inaccuracies in Debt Claims : Your summary highlights that XXXX XXXX XXXX XXXX XXXX issued a payoff statement with a {$12000.00} escrow charge that does not mathematically align with the itemized taxes and insurance listed. Charging unverified or inflated fees to a displaced homeowner is a predatory act that further drains limited recovery resources. 
* Suppression of Repair Funds : The " Loss Draft '' department 's technical failuressuch as full mailboxes and unreadable attachmentsdelayed the release of insurance funds for weeks. This directly prevents a homeowner from repairing an uninhabitable property, forcing them to remain displaced while interest and illegal foreclosure fees continue to accrue. 
* The bank 's administrative failures had professional consequences. Because XXXX mismanaged the Loss Draft process and delayed essential repairs, my home remained uninhabitable, making it impossible to meet the environment requirements for my remote position. This resulted in my job loss in XX/XX/XXXX, a direct financial injury caused by the bank 's negligence. 
Statement of Actual Harm and Consequential Damages RE : Evidence of Substantial Injury Caused by XXXXXXXX XXXX XXXXXXXX # XXXX I am submitting this statement to formally rebut XXXX XXXX  claim of " no harm '' and to document the egregious injuries I have suffered due to their admitted " administrative oversight '' and total failure to perform their servicing duties. 

1. Professional Injury and Loss of Livelihood The most severe harm resulted from the XXXX Loss Draft Departments failure to release insurance repair funds for my uninhabitable home. 
* Termination of Employment : As a remote employee for XXXX, my home is my designated place of work. Because XXXX XXXX  delayed essential repairs through technical and administrative incompetence, I could not meet environment requirements for my position. This led directly to my termination for failure to meet job expectations on XX/XX/XXXX. 
* Quantifiable Loss : This failure caused the total loss of my primary income stream and professional standing during a national disaster. 

2. Obstruction of Federal Recovery Resources The banks year-long failure to correctly classify my hardship as " disaster-related '' caused permanent financial injury : * SBA Loan Denial : This misclassification was the primary reason for the SBAs denial of my disaster loan reacceptance. By providing conflicting data to federal agencies, XXXX Bank blocked my access to low-interest recovery funds intended for disaster survivors. 
* Ballooning Debt : By denying me disaster-specific relief, the bank forced " unaffordable '' modifications that inflated my deferred principal to over {$120000.00}. 

3. Illegal Assessment of Foreclosure Costs XXXX XXXX  has directly damaged my equity by assessing illegal fees during " hold '' periods : * Unauthorized Fees : The XX/XX/XXXXXXXX  payoff statement itemizes {$2100.00} in Foreclosure Attorney Fees and {$400.00} in Title Costs. These were assessed while the bank claimed foreclosure was on hold for an active trial modification. 
* Escrow Overcharges : The same statement includes a mathematical error of approximately {$8000.00} in the escrow line item, demonstrating a complete lack of financial oversight. 

XXXX. Severe Psychological and Physical Distress The banks choice to allow its counsel, XXXX XXXX XXXX XXXX XXXX, to send foreclosure mailings as recently as XX/XX/XXXX, XXXX I have an active trial planhas created a state of perpetual fear and displacement. This " dual tracking '' is a direct violation of RESPA Regulation X and has severely impacted my ability to focus on recovery.

The bank 's incompetence has not been " corrected '' it has worsened. These damages are not hypothetical ; they are documented through XXXX  own inconsistent records and my professional termination.

Company response to consumer: Closed with explanation