Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding FHA-Related Mortgage Servicing Mismanagement Loan Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally submit a complaint regarding the egregious mismanagement of my mortgage account by XXXX XXXX and Dovenmuehle Mortgage Inc. , which has directly impacted my ability to access disaster recovery resources under FHA programs . The original complaints were filed under the following CFPB case numbers : CFPB Case Number : CFPB Case Number : [ Insert Case Number 2 ] While I appreciate the CFPBs efforts to facilitate communication between myself and XXXXXXXX XXXX, I am deeply concerned about the lack of enforcement of the violations and discrepancies identified in the servicers responses. 

XXXX XXXX  actions and inactions have caused significant financial harm, delayed my recovery from disaster-related damages, and violated federal consumer financial laws, including the Real Estate Settlement Procedures Act ( RESPA ), Fair Credit Reporting Act ( FCRA ), and XXXX XXXX servicing guidelines. Despite admissions of fault from XXXXXXXX XXXX and Dovenmuehle Mortgage Inc., no corrective actions have been taken, and I remain without recourse. 

Had XXXXXXXX XXXX correctly and lawfully documented my disaster-related hardship, I would have been able to access the abundance of disaster relief options available to borrowers impacted by federally declared disasters, including FHA disaster refinance programs such as FHA XXXX and FHA XXXX XXXX Instead, XXXXXXXX XXXX mismanagement has left me severely suffering the horrendous challenges of unsafe and unhealthy living conditions, financial instability, and professional livelihood loss for over XXXX years. 

Violations Identified in Servicer Responses XXXX. Misclassification of Hardship Violation : XXXXXXXX XXXX failed to update my hardship reason to " disaster-related, '' denying me access to disaster-specific relief options, including extended forbearance and disaster payment deferral. 
Servicer Admission : XXXX XXXX admitted to an " administrative oversight '' in misclassifying my hardship. 

XXXX. Dual Tracking During Loss Mitigation Violation : XXXX XXXX pursued foreclosure actions while my account was actively engaged in loss mitigation efforts, violating federal regulations prohibiting dual tracking. 
Servicer Admission : Loan history shows corporate advances assessed during pending trial plans. 

XXXX. Escrow Mismanagement Violation : XXXX XXXX  disbursed restricted escrow funds in insufficient amounts, leaving me unable to complete necessary repairs. Additionally, the escrow account balance remains at - {$5900.00}, raising concerns about mismanagement and improper advances. 
Servicer Admission : XXXXXXXX XXXX acknowledged receiving the insurance payment but failed to provide transparency regarding escrow disbursements. 

XXXX. Inaccurate Credit Reporting Violation : XXXXXXXX XXXX inaccurately reported my mortgage account as delinquent during the forbearance period and pending review of my hardship, violating the Fair Credit Reporting Act ( FCRA ). 
Servicer Admission : XXXXXXXX XXXX admitted to misapplying my XX/XX/year>, payment of {$3300.00}, which contributed to the inaccurate credit reporting. 

XXXX. Account Access Restriction Violation : XXXXXXXX XXXX XXXXestricted my online account access, citing foreclosure proceedings as the reason. This restriction prevented me from accessing accurate account statements, which were necessary for disaster relief applications, including the SBA disaster loan. 
Servicer Admission : XXXX Bank admitted to restricting my online account access in their response to the CFPB complaint. 

XXXX. FHA Disaster Relief Options Violation : XXXX XXXX  failed to evaluate my eligibility for FHA disaster refinance programs, including FHA XXXX and FHA XXXX, which are critical to repairing my home and bringing my mortgage current. 
Impact : XXXXXXXX XXXX failure to initiate these programs has left me without the financial resources needed to recover from disaster-related damages. 


Request for Enforcement and Corrective Actions I respectfully request that the CFPB take the following actions to address these violations : Investigate XXXXXXXX XXXX Servicing Practices : Investigate XXXXXXXX XXXX failure to categorize my hardship as disaster-related and their admission of fault for this " administrative oversight. '' Investigate XXXXXXXX XXXX  dual tracking practices, including foreclosure-related actions during active loss mitigation efforts. 

Ensure Transparency and Accountability : XXXX XXXXXXXX XXXX to provide a full, itemized history showing all payment transactions, including the {$3300.00} payment made on XX/XX/year>, and the insurance payment. 
Require XXXX XXXX to provide a full explanation of all fees and charges applied to my account, including late charges, corporate advances, and escrow-related fees. 

Resolve Escrow Disbursement Issues : Require XXXXXXXX XXXX to provide a detailed explanation of escrow disbursements, including how the amounts of {$3800.00}, {$3100.00}, and {$4500.00} were calculated and applied. 
Require XXXX XXXX  to clarify the reasons for the negative escrow balance of - {$5900.00} and provide a plan to resolve this issue. 

Correct Inaccurate Credit Reporting : XXXX XXXXXXXX XXXX to reverse the inaccurate credit reporting during the forbearance period and pending review of my hardship. 
Ensure that XXXX XXXX  provides corrected documentation to the SBA to support the reconsideration o

f my disaster loan application.

Advocate for FHA Disaster Relief : Work with XXXXXXXX XXXX to ensure that my mortgage status is accurately reflected and that my hardship is properly categorized as disaster-related. 
Advocate for XXXXXXXX XXXX to manually overwrite my mortgage into the FHA XXXX and FHA XXXX disaster refinance programs, which are critical to repairing my home and bringing my mortgage current. 

Refer My Complaint to Applicable Authorities : Refer my complaint to all applicable enforcement authorities, including the Federal Housing Finance Agency Office of Inspector General ( FHFA-OIG ), U.S. Department of Housing and Urban Development ( HUD ), and U.S. Department of Justice ( DOJ ), to ensure that XXXX XXXX  is held accountable for their violations and that corrective actions are enforced. 

Supporting Documentation I have attached the following documents to substantiate my complaint : -Correspondence with XXXXXXXX XXXX  and Dovenmuehle Mortgage Inc. regarding their failure to categorize my hardship as disaster-related.

-SBA disaster loan denial letter, which highlights the discrepancies between the information provided and what was reflected in my credit file.

-Regulatory complaint acknowledgments from the CFPB , FHFA-OIG , and OFR regarding XXXXXXXX XXXX mismanagement of my mortgage account.

-Loan history and account statements showing inappropriate fees, misapplied payments, and escrow-related issues, which were only provided after OFR intervened. 
Documentation of XXXXXXXX XXXX and Dovenmuehle Mortgage Inc.s admissions of fault for their errors, including the misclassification of my hardship.

-Evidence of the SBA lien and its insufficient amount, which has further delayed my recovery.

Closing Statement XXXXXXXX XXXX  mismanagement of my mortgage account and disaster-related hardship has caused significant harm and delayed my recovery from the disaster-related damages. Their actions, including dual tracking during loss mitigation efforts, inaccurate credit reporting, escrow mismanagement, and the invocation of an unnecessary SBA lien, have directly impacted my eligibility for disaster recovery assistance. The damages caused by XXXXXXXX XXXX  actions have left me unable to access any recovery resources to which I am otherwise eligible, leaving me at the mercy of the servicer. The only viable path to recovery lies in XXXXXXXX XXXX  hands, specifically through refinancing into the FHA disaster refinance programs FHA XXXX and FHA XXXX, which require manual overwriting to repair my home and bring my mortgage current. 

I respectfully request that the CFPB re-evaluate my case, enforce the violations identified, and ensure that XXXX XXXX implements corrective actions to address the harm caused. Additionally, I request that the CFPB refer my complaint to all applicable enforcement authorities, including the FHFA-OIG, HUD, and DOJ, to ensure that XXXXXXXX XXXX is held accountable for their violations and that corrective actions are enforced.

I kindly request a prompt response to this complaint and am available to provide additional documentation or information as needed to assist in your investigation. Thank you for your time and consideration. 

Supporting Documentation I have attached the following documents to substantiate my complaint : -Correspondence with XXXXXXXX XXXX  and Dovenmuehle Mortgage Inc. regarding their failure to categorize my hardship as disaster-related.

-SBA disaster loan denial letter, which highlights the discrepancies between the information provided and what was reflected in my credit file. 
-Regulatory complaint acknowledgments from the CFPB , FHFA-OIG , and OFR regarding XXXXXXXX XXXX mismanagement XXXX my mortgage account. 
-Loan history and account statements showing inappropriate fees, misapplied payments, and escrow-related issues, which were only provided after XXXX intervened. 
Documentation oXXXX XXXX XXXX  and Dovenmuehle Mortgage Inc.s admissions of fault for their errors, including the misclassification of my hardship. 
-Evidence of the SBA lien and its insufficient amount, which has further delayed my recovery. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation