Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Dear Investigator, I am providing this formal summary to consolidate the evidence of systemic servicing failures by XXXX XXXX. The following fact findings, documented through the banks own correspondence, demonstrate a pattern of bad faith and direct violations of Regulation X of the Real Estate Settlement Procedures Act ( RESPA ). 

1. Evidence of Dual Tracking ( RESPA 1024.41 ) XXXX XXXX  defense to the CFPB and XXXX is predicated on the claim that they referred my loan to foreclosure because my application was " incomplete ''. Their own records directly contradict this : * Active Trial Modification : I am currently under an active Trial Period Plan with the first payment due on XX/XX/XXXX. 
* Foreclosure Mailing During Active Trial : Despite the active trial plan and the bank 's claim that foreclosure proceedings are " on hold, '' I received a foreclosure-related mailing from XXXX XXXX XXXX XXXX XXXX postmarked XX/XX/XXXX. 
* The Violation : A servicer can not legally proceed with foreclosure actions while a borrower is performing under an active loss mitigation agreement or trial plan. 

2. Admitted Administrative Oversight & Disaster Misclassification XXXX XXXX  has admitted in writing to an " administrative oversight '' where they failed to update my hardship to " disaster-related '' from XX/XX/XXXX through late XXXX. 
* Harm Resulting from Oversight : This failure directly caused the XXXX to deny my disaster loan because the bank could not provide proof of a long-term disaster recovery plan. 
* Impact on Relief : By misclassifying my hardship, the bank blocked my access to appropriate XXXX XXXX XXXX XXXX programs, instead offering unaffordable trial plans that inflated my deferred principal. 

3. Evidence of Fraudulent Escrow & Payoff Calculations The Payoff Statement from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, contains significant mathematical discrepancies : * Calculation Error : The bank lists escrow charges totaling {$12000.00}, yet the itemized breakdown of taxes and insurance provided does not sum to this amount. 
* Illegal Fees : The payoff includes {$2100.00} in Foreclosure Attorney Fees assessed during a period the bank claimed the foreclosure was " on hold ''. 

4. Technical Suppression of Loss Draft Funds My email history from early XXXX documents a consistent failure by the XXXX XXXX Department to process repair funds. Despite my home being uninhabitable, the banks technical errors delayed my recovery for weeks, exacerbating the property damage. 

Statement of Actual Harm and Consequential Damages RE : Evidence of Substantial Injury Caused by XXXX XXXX XXXX # 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 XXXX : As a remote employee for XXXX, my home is my designated place of work. Because XXXX Bank 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 : * XXXX 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 XXXX  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/XXXX 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. 

4. 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, XXXXwhile 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