Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
As a result of a divorce settlement, I was court ordered to assume the mortgage loan at my residence. I submitted a complete loan assumption package to Dovenmuehle Mortgage on XX/XX/XXXX, along with a check for a {$1000.00} processing fee. Despite this upfront payment and the considerable time elapsed, I received no response until XX/XX/XXXX, when I was verbally informed of a title-related denial. I immediately rectified this by providing a recorded lien release on XX/XX/XXXX. At that time, I also provided check stubs which reflected a substantial increase in my annual salary which should certainly qualify me for the loan. Please see the attached XX/XX/XXXX email to their Dovenmuehle 's Special Loans Department. 

I have made numerous phone calls and email attempts to get a response regarding my loan assumption application, Please see emails dated XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX attached. Yet, to date, I still have only received unclear verbal responses and no adverse action letter. 

On XX/XX/XXXX I spoke with a representative in XXXX XXXX  that told me that an adverse action letter was sent out on XX/XX/XXXX and that she would email me the letter as well. 

On XX/XX/XXXX, after not receiving the email, I called again and spoke with XXXX XXXX XXXX, XXXX XXXX, who indicated that the adverse action letter was being mailed soon. She then informed me that I was denied because of not having a credit score of at least XXXX according to a credit pull that was done with XXXX  in XXXX of XXXX. She also informed me that a refund of {$240.00} was processed to be mailed to me as well. I told XXXX XXXX that could not be correct as I have maintained a credit score above XXXX since my application. I asked XXXX XXXX why I had not been provided an adverse action letter within the 30 day time frame in accordance with the Equal Credit Opportunity Act and Regulation B that requires an adverse action letter be submitted to an applicant within 30 days after the completed loan application packet is submitted. She told me that I would need to complete another assumption packet and pay another processing fee to provide my updated credit score information. Her response made no sense, she then told me she would have her supervisor to call me. Please see the attached copies of my Transunion credit score history for the months of XX/XX/XXXX up until XX/XX/XXXX. These reports reflect my credit score averaged XXXX and is currently XXXX, which is above the minimum requirement. This stated reason for my loan denial is demonstrably false. 

Dovenmuehle Mortgage failure to provide a timely and legally mandated adverse action letter, despite charging a {$1000.00} processing fee for an improperly handled application ( for which only a {$240.00} refund has been mentioned ), as well as the false reasons given verbally for the loan assumption denial, raise serious concerns about the handling of my application and their compliance with federal regulations.

Company response to consumer: Closed with explanation